23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a medical collection that was placed on my credit by XXXX XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.
Product: Debt collection

On XX/XX/XXXX I reached out to Plaza services about a debt that I had no prior knowledge of. The representative was VERY RUDE AND SARCASTIC. She refused to put the manager on the phone. She refused to assist me and abruptly hung up on me. I called back to get information on a debt they a attempting to collect that I have no knowledge of and a guy answered laughing in my face, put me on hold for a long time, then another person answered refusing to help me AGAIN.
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 A # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX A # XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX A # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX A # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX 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 or other personal consumer reports

Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXXXXXX XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : 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 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  GA XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Mutual of Omaha pulled my credit without my permission. I specifically told them not to and then went ahead on their own and did it without my permission/authorization.
Product: Mortgage

On XXXX 2020 I informed Ombudsman XXXX XXXX wh I have be working with that Tax buyer purchases the taxes and redemption will expire on XXXX XXXX,2021. 

Now, the last document requested was a corrected Hud XXXX from my Short Sale XXXX. 

I did submit that to SPS. Now I have passed my redemption period. 

I informed the tax buyer I had a contract waiting on my short sale approval and I have yet to get the approval after I was told by XXXX in the Ombudsman department that the only thing needed was the corrected XXXX from the title company. 

Now I have been impacted by the Covid 19 and have been getting assistance from my son and family members. 

And I am not getting a dime out of this property no benefit to me. I am just trying to help my investor who will be receiving monetary reward of {$10000.00}. 

However, my buyer is getting cold feet now because its one thing after another. 

Please see Attached documents.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy XXXX  XXXX being reported on my reports, and it is incorrectly reported, and the refuse to remove the bankruptcy.
Product: Credit reporting or other personal consumer reports

I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe XXXX XXXX is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : XXXX XXXX credit card has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inquire that I do not recognize.
Product: Checking or savings account

Dear Sir or Ma'am : In late XX/XX/2022, I deposited a check from XXXX company for over {$73000.00} into my Saving Account with Chase bank. This was physically deposited with the branch in XXXX XXXX, XXXX. I was informed by the teller that due to the amount the check would be held for XXXX weeks and be available to me by XX/XX/2022. 

A week after depositing this check, I received a letter from Chase bank saying my savings account would be closed in the near future and to call their customer service for further information. I contacted Chase bank and was told the account was flagged due to the large amount and the check would have to be physically verified, by contacting the issuing company XXXX XXXX XXXX. I was told this would happen by XX/XX/2022 and that everything should be okay and the account would not be closed. 

On XX/XX/2022, I had not received any further information from Chase bank about the saving account, so I went to the local Chase branch and was informed that not only were there no funds from the check but also the saving account had been closed. The branch advised me to contact Chase customer service. 

I called Chase bank customer service and finally was directed to the fraud department. The fraud department said the check was being held, my saving account was closed, and that the check had not been validated or any attempt was made to validate the check. It was Chase bank 's policy to hold checks and not release the funds unless the checks were validated by a phone call to the issuing company. I was informed it was not Chase bank 's responsibility to go beyond a cursory attempt to verify checks and that Chase would not communicate with the customer if their account were closed or a problem developed in verifying the check. 

I was informed that I needed to contact the company that issued the check and finds out who can validate it, then go through Chase to have them contact the issuing company to confirm the validation. 

I find this policy of Chase to be in the company 's best interest and harms the customer. I was not informed the account was closed or contacted other than the initial no descript letter, that there was a problem. In the multiple calls to chase, I was hung up on XXXX times, spoke with about 12 people, and waited over and over to speak to individuals who in the end could not assist me or re-open the closed saving account or release the funds that I in good faith deposited into my Chase savings account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account
Product: Credit card or prepaid card

This is a follow up complaint to XXXX. That complaint was closed with an agreeable settlement from Comenity Capital Bank. The settlement stated a monetary relief amount of {$480.00} would be made to me. 

What happened so far is quite different. The total amount of the points that I was refused to use in the amount of {$260.00} was credited to my account and then was immediately removed since the account was closed. 

The total amount of interest, check fees, etc of {$210.00} was not credited to my account in full. Only the open balance of {$76.00} was credited leaving my account with a XXXX balance. I expected to see a credit balance of {$400.00}, not a XXXX balance. 

I called the company on XX/XX/2023 and spoke with XXXX who stated he would investigate and that I was to call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX who stated that there is no problem, my account has a XXXX balance but that the account is still is dispute. She instructed me to send a letter to Comenity Capital Bank, attention to Billing Disputes and include a copy of the settlement letter from CFBP. I sent a letter the same day with the requested enclosure and received a reply dated XX/XX/XXXX stating that they need to investigate my claim and that they needed an additional 90 days. 

There is no justification for an addition delay of 90 days for issuing a refund in the amount of {$400.00}. The monetary relief agreed on with CFBP should be adequate evidence of my claim. Please help me with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I filed a complaint to you on XX/XX/XXXX. 

In my complaint I stated, In accordance with the Fair Credit Reporting Act Section section 609 ( a ) ( 5 ) ( 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report as well as demanding you validate suspicious accounts. I do not recognize the information listed below and since first my request, you have not investigated the source of these accounts and ascertain that the creditor had a permissible purpose, and you did not validate my complete file information including full name, address, date of birth and SSN #, as well as my signature to prove that I signed up for the accounts. 

I am now invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Why didnt you provide me with a validation of my signature? 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please validate these : 1. XXXXXXXX XXXX  { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
2. XXXX XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
3. XXXX XXXXXXXX XXXX { XXXX } This account shows three late payments but this account has never been late. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX I ( XX/XX/XXXX ) 2. XXXX { XX/XX/XXXX } REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address XXXX XXXX XXXX XXXX TN XXXX 2. Incorrect Name Variations XXXX XXXX, XXXX XXXX XXXX 3. Incorrect Employer XXXX 4. Incorrect Date of Birth XX/XX/XXXX 5. Incorrect social security number UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address XXXX XXXX XXXX XXXX XXXX, OR XXXX 2. My proper full name XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX 4. My current employment info XXXX XXXX, XXXX, XXXX, Oregon XXXX 5. Social Security Number XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation and validated results. Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Summer XXXX I've been trying to fix this problem. I have a student loan from XXXX University, administered by XXXX XXXX. My loan and payments showed in my Transunion credit report. I disputed to Transunion the payment history information and balances as it was incomplete and inaccurate. The dispute was submitted successfully. In less than 12 hours, Transunion responded saying " they deleted the account from my credit report ''. This has caused me serious problems : ( 1 ) I've not been able to fix it, even though XXXX XXXX confirms they have been reporting my payments to Transunion on a monthly basis ; ( 2 ) Transunion says they can not add the account back, even though they deleted the account without my request ; ( 3 ) My credit has been significantly affected as it plunged my credit history to the floor, thus lowering my credit score SIGNIFICANTLY. I have evidence showing ( 1 ) the account exists, it is mine and it was in my Transunion report. ( 2 ) XXXX XXXX has evidence of reporting my information to Transunion, and ( 3 ) that the account has been deleted and never restored since XX/XX/2019. 

I really need this to get solved. It has negatively affected me, lowering my score and limiting my credit options.
Product: Student loan

I was contacted by a third party trying to obtain a payment for late student loan payments, they offered me a deal if i made XXXX payments of {$400.00} totaling XXXX My balance would go down to {$0.00}. I was under the impression that i owed nothing and that i paid everything off I even receive mail monthly stating i do n't have a balance, but when i go online to look at my credit report i see XXXX loans with a balance of zero that were closed on XXXX/XXXX/XXXX then XXXX loans of the same amount were reopened on XXXX/XXXX/XXXX i 'm confused as to what i actually paid for, i dont have money to just be paying please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all this account is over 7 years old and it is illegal to collect on old debts according to the FCRA and FDCPA. 
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C. As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX   XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX, XXXX XXXX, and Experian requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.