23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In the year XXXX, I had called a few health care providers for a new patient consultation requesting a quote. Due to Covid most facilities were offering telehealth. But since it was new way of seeing patients, most office staffs were not sure about the insurance co-pay and out of pocket deductible. Some offices took my insurance information on phone along with my personal information for securing an appointment and let me know that the co-pay would be {$25.00}. Following which I called my insurance to double check if that is correct. They said its incorrect. I was actually responsible for 80 % of all expenses upfront and they will pay the remaining 20 %. When I learned that, I called and cancelled my appointments. After that in XXXX, I learnt that Carter and Young a debt collection agency has reported my account in collections for a debt of {$170.00}. When they called me first in XXXX I had immediately denied the charges on phone from day 1, but they continue to pursue it. Later after almost a year, my credit was pulled for applying for a home loan and I noticed this debt is still there. I wrote to all three credit bureau ( via registered postal mail ) and Carter and young as well to provide me with a detailed itemized bill of all charges resulting in the debt of {$170.00}. They have failed to do so. XXXX and XXXX has removed/deleted this debt but XXXX refuses to delete it, and is unable to provide me with a detailed bill/invoice/transaction detail of the debt. Not only that, I wish to notify that I am scared to speak with Carter and Young because they speak in a very non-forgiving and threatening tone almost like how a goon would demand money without validating or justifying a debt. I am scared that they are capable of far more worse. 
My humble request to CFPB, please kindly provide me with a detailed bill or itemized invoice resulting in this debt, or kindly delete this from my account. I want to live debt free and fearless not worrying about what more worse can happen.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by XXXX XXXX Balance Owed : {$0.00} MRV XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$450.00} CREDIT COLL XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3200.00} RADIUSGLOBAL XXXX Balance Owed XXXX {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXX XXXX XXXX AT {$630.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off XXXX and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( XXXX ) ( b ) and SECTION XXXX 15 U.S.C 1681b. 
Which also allowed the XXXX XXXX XXXX XXXX, XXXX, AND EQUIFAX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2. 
I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit card or prepaid card

I have previously filed complaint and they did respond but with their response they stated that one of my accounts with them could stay open as it was opened after initial filing date of chapter XXXX bankruptcy. I did call and leave a message, got a return call missed it, called back and still after a week or more no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX or XXXX of 2019, XXXX decided to charge the joint credit card XXXX XXXX XXXX by XXXX to renew my XXXX membership ending in XXXX without my authorization or permission. I had over a year without using the XXXX XXXX credit card ending in XXXX and had always renewed my XXXX membership at the store and paid cash. When XXXX charged the credit card, I was not aware because I never received a statement until I started receiving collection letters from XXXX and saying I was 90 days late with the payment. I called XXXX at ( XXXX ) XXXX and spoke to CSR XXXX. XXXX apologized and promised to reimburse the payment to the credit card, waive all late fees ( which they did ) and remove any negative activity from my credit report ( 90 Days Late ). I also filed a dispute with all 3 credit agencies, TransUnion, XXXX and XXXX. XXXX made XXXX credit me for the unauthorized payment, remove all interest charges and all late fees plus closed the account. The 90 days late was also removed from my credit report and brought my FICO score 93 points back up to XXXX from XXXX. When I check my credit again in two weeks, my credit score had gone back down to XXXX and the 90 days late is back on my credit history. I opened a second dispute and within a week, my FICO score was back up to XXXX and the 90 days late was removed from my credit history. Today, XX/XX/2019, I check my credit again and my score has gone back down to XXXX and once again, the 90 days late appears in my credit history. I called TransUnion credit agency and the CSR told me that when I open the dispute, they sent a letter to XXXX but they never reply back to the dispute so they automatically remove the 90 days late from my credit history and my FICO score goes up 93 points. But XXXX continues to report the 90 days late to the credit agencies and reason why my FICO score keeps going down and I keep seeing the 90 days late on my credit report. TransUnion told me to continue to open a dispute every month until XXXX stops reporting the Late Payment. I would like an investigation because I believe XXXX and XXXX have made an unauthorized charge to my credit card, have damaged my credit and XXXX continues to damage my credit even after a dispute was opened and my credit was repaired and XXXX removed the unauthorized charge, all late fees and interest fees. I would like an investigation to see if this has happened to other consumers and I would like and investigation to see why XXXX keeps damaging consumers credit even after knowing that the charge was made without the authorization or permission of the credit card holder. I want you to contact both XXXX and XXXX regarding this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX  XXXX also operating under the name XXXX has improperly used my information and reported inaccurate information to my credit profile. I have disputed this information with all three major credit bureaus and only received resolve with XXXX. This account being reported was being reported as two accounts with the same account number and different historical payment information and dates. This account has been deleted and needs to be updated with the other credit bureaus.
Product: Debt collection

I received several phone calls on my cell phone. I talked with someone and they starting talking abusive to me, threatening to have me arrested, and threatening to file felony charges against me. Then they started calling my job and started threatening to call HR and let them know all the details of my loan. I asked them not to call my job anymore. So they continue to call my job and threaten to suspend my license. They called my job again and told them that it was a emergency and that they needed to talk to me right away. When the person that answered told them that I wasn't in my office and that I was busy on the floor they refused to hang up and said that they would hold until I got finished. They told her that they needed to fax over paper work and it would contain my social security number. They Lied and said they had filed a claim in court and gave me a court number but when I called the court there was nothing there.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Subject : Demand for Removal of Charged-Off Accounts from Credit Report and Credit Profile To Whom It May Concern : I am writing to demand the immediate removal of any and all reporting charged-off accounts from my credit report and credit profile. Upon review of my credit profile and most recent credit report, I have noticed that these charged-off accounts are inaccurately reflected, and I am demanding their suppression and deletion based on specific legal grounds. 

According to the Internal Revenue Service ( IRS ) guidelines and federal case law, charge-offs are considered taxable income. In accordance with federal taxation statutes and established case law, income is defined as an accession to wealth, clearly delineated under the Sixteenth Amendment of the United States Constitution. Furthermore, case law, such as the landmark Supreme Court case Commissioner v. Glenshaw Glass Co. ( 348 U.S. 426 ), solidifies the principle that income encompasses any accession to wealth, regardless of source, and is subject to taxation unless explicitly exempted by law. 

Given the aforementioned legal precedent and IRS classification of charge-offs as taxable income, it is evident that reporting charged-off accounts as part of one 's credit profile is erroneous and misleading. Charge-offs do not reflect ongoing financial obligations or active credit balances but rather constitute a tax consequence that is separate from the creditworthiness of an individual. 

I am hereby demanding that the charged-off accounts listed on my credit report be promptly suppressed and removed in adherence to federal law and the established legal understanding that charge-offs should not be part of one 's credit profile due to their classification as taxable income by the IRS. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the accuracy and fairness of the information contained in consumer credit reports. As such, I expect your agency to take immediate action to rectify this discrepancy and expunge the aforementioned charged-off accounts from my credit report within 30 days of receipt of this letter. 

Failure to comply with this request within the stipulated timeframe will leave me with no choice but to pursue legal action to enforce my rights under the FCRA and seek remedies for the inaccuracies present in my credit report. 

I appreciate your prompt attention to this matter and expect a written response confirming the removal of the charged-off accounts from my credit report within the specified timeframe.
Product: Credit reporting

Had a account with XXXX over XXXX years ago ... have not had XXXX since XX/XX/XXXX-XX/XX/XXXX lost job request cancellation of service ... .went away than reappeared stating account was open XX/XX/XXXX which is untrue and collection agency XXXX XXXX is try to treat this like a new debt not one that is past the time limit ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I flew XXXX XXXX on XX/XX/2019, My return flight on XX/XX/2019 was cancelled and I paid {$45.00} for my bags with my American Express Serve Card, I called XXXX  to refund my bag fees because my return flight was cancelled, XXXX XXXX insists they already refunded my money which did not show up in my account, they said 10 days, after 10 days I filed a dispute with American Express Serve, XXXX XXXX has yet to respond to this dispute as of XX/XX/2019, Amercian Express Serve told me that I would receive a provisional credit within 10 business days, when I called them back they said my account wasn't eligible for a provisional credit but couldn't explain why, I have yet to see a refund on my card from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax 's refusal to provide me with a copy of my entitled free credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). According to the law, consumers are explicitly granted the right to access their credit reports free of charge. 

Their website consistently presents errors and prompts me to call a provided code for assistance. However, my attempts to resolve the issue over the phone have been fruitless. After undergoing identity verification procedures, representatives informed me that they were unable to assist and instructed me to submit documents via mail. This course of action is unreasonable and impractical, as I lack the means to do so, especially when electronic access to my credit report should be readily available. 

This egregious behavior from Equifax not only impedes my access to essential financial information but also undermines the integrity of the banking system. I demand an immediate resolution to this issue. They must rectify their website errors, provide me with electronic access to my credit report as mandated by law, and ensure that their representatives are equipped to assist consumers effectively. Failure to do so will result in further action to uphold my rights and hold Equifax accountable for their infringement on the banking system.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Student loan

On XXXX complaint XXXX - I asked you to explain your XXXX assertion that you never received the XXXX forbearance request. I then outlined a chain of written documentation including receipts that Nelnet received the request and correspondence generated by Nelnet approving the request. I asked you to explain this discrepancy and you have refused. Explain now. I also asked if you needed me to send the forbearance request to you again. Again, you refused to answer. Explain. In the meantime, the forbearance request has been forwarded to Nelnet yet again. Apply correctly. ( If you recall, it was approved but applied incorrectly. As you should also recall, I sent several written follow-ups requesting Nelnet correct its application of the forbearance to which Nelnet promised in writing to investigate but which Nelnet and  subsequently you failed to do. ) Once you correct the forbearance, remove any related late fees due to your refusal to address this matter. If you have any questions, please address them in this forum and as previously requested stop the robo calls. As observed prior, you have avoided directly answering virtually all questions asked to date please note that they are not going away. If you find you can not provide informative, direct and timely answers to questions asked, refer to someone more capable. You are wasting everyones time including mine. Finally, discharge and full accountability as previously specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiries on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

In XX/XX/XXXX I open a car loan with XXXX XXXX XXXX and I wasnt available pay the loan and I returned the car after years they close the account and in XX/XX/XXXX I have open account with jefferson capital ay I cant pay Im unemployed because of COVID-19 Im a young XXXX  I trying to clean this from my collection pls is been 6 year and they call me almost every day and had passed my debt to others collection company selling my dept to others to make profits
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. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX and list of Inquiries. 

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

On XXXX XXXX XXXX - XXXX CST I transferred XXXX Litecoins ( a cryptocurrency derived from Bitcoin, worth approximately {$2600.00} at the time of the transacation ) from the Binance crypto exchange to XXXX XXXX XXXX XXXX ( hereforth known as XXXX ), the crypto exchange owned and operated by the XXXX XXXX-based Coinbase, which is the largest Cryptocurrency operator in the United States. 

The method Coinbase uses to transfer funds to XXXX involve bringing them in-house to their own wallets first, followed by a transfer to the XXXX wallets. 

My money is stuck in this process. It is strictly internal, a failed system issue on their end, and they refuse to address it. I have spent over 6 hours on hold for them at this point, and they refuse to speak with me regarding it. When I actually managed to get ahold of someone, they hung up on me. They responded via email, refusing to call me back. 

I am not the only person experiencing this issue now, and we are all making a point to report this negligent behavior. There are people who 's funds have been captured in system failures of their for nearly a month now, with no response, support, or resolution in sight. I know if I let them, the same will happen to me.
Product: Debt collection

Money Recovery Nationwide  is collecting for  XXXX   XXXX   XXXX . in the amount of {$800.00}. I informed them I was disputing it because they were incorrect and I was unaware of this debt on my credit report. The response I received was threatening to garnish wages, said they sent it to their lawyers office already because i was n't able to settle it that day, then the next person I spoke with said they did n't send it to the lawyer. I was also inquiring about a settlement offer and she said sarcastically {$20.00} or so less than the full amount. They refused to give me a print out of what I 'm being billed for, and had contacted my employer which was highly embarrassing, considering my boss answered the phone. When I was speaking with the second individual I let her know that the first woman I spoke with was very unprofessional and spoke with a threatening manor. In the background you could hear the first individual laughing hysterically, and the second woman did n't apologize or even acknowledge it, and just asked what she can do for me. I was crying, and felt like there was nothing I could do. I 'm very scared they will take my money and I 'm currently fighting this debt. I just need help and I 'm unsure who can help me.