23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid a hospital bill before due date. Weeks later I received letter from a collection agency saying I owed the same debt so I contacted the hospital system with my receipt and they assured me that it would be worked out because the account was labeled " paid in full '' and subsequently closed. Later the collection agency called me to collect the same debt so I contacted the hospital again and they reassured me that it would be taken care of and would contact the collection agency to stop attempting to collect the debt. Later I was notified the the debt had impacted my credit so I contact the hospital again and they have located the payment and would investigate why the paid bill was still sent to collections. I noticed my credit had recently dropped significantly because the debt so I inquired about the investigation and the hospital representative said they have noted to investigate the payment, not the collection and recommended I come in with the receipt to help clear up the situation.
Product: Debt collection

I have told them repeatedly not to call my mothers home since she is not a party to the loan agreement. I have reported them in the past for repeatedly harassing my mother, only for them to say they have no record to the calls. They clearly do and these illegal tactics should be pursued in court. I have meticulously detailed each call and my attorney can provide a record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX is reporting inaccurate payment history to the following credit bureaus XXXX and Equifax XXXX I have attached copies of my credit report from the two bureaus and highlighted the inaccuracy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted : Account Name and Account Number : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, and Zip : XXXX WI XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXX account. I spoke with XXXX XXXX and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XX/XX/XXXXand the next payment that they listed as past due is inaccurate.
Product: Vehicle loan or lease

Found out in XX/XX/2023 that my auto policy was renewing in XX/XX/2023 with and went from {$760.00} to {$980.00} for a 6 month policy. I spoke with 2 reps and was told that if I enrolled in the safe pilot program, I would get at least a 10 % participation discount as well as up to a 30 % discount. 

I called back when the policy renewed because I received no discount as promised by two representatives. I downloaded the app and had it monitor all driving habits 24 hrs a day for 2.5 months. 

I was then told that I had to now wait until the next policy renewal in XXXX because I was supposed to be enrolled in before XX/XX/XXXX for it to be effective for this term. I was told that I shouldve at least received the 10 % participation discount but they had no idea how to apply it. A supervisor of USAA transferred me to XXXX XXXX XXXX  of the USAA advocacy team on XX/XX/2023. 

Our initial conversation on XX/XX/XXXX went well but our follow up conversation today ; did not go well. XXXX accused me of lying about eve downloading and using the SafePilot app in the past and kept loudly saying that her decision is final. On multiple occasions, I requested to speak with someone else and informed her that her tone and mannerism were both unprofessional and unwarranted, but there was no change. 

Im told that the calls are recorded so it should be easy to hear the entire conversation. 

Ive been with USAA for 19 years which is my entire military career and use them for car insurance, life insurance and home owners insurance and demand respect, professionalism and honesty. If I was promised a discount by 2 employees on separate recorded calls ; then that discount should be honored.
Product: Credit card or prepaid card

I am writing in regard to the charge off accounts on my credit report for my Bank of America. On XXXX XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was diagnosed with XXXX and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.
Product: Checking or savings account

I have a few incidents with Wells Fargo that they have taken money for overdraft fees, where I have money in my account.

One of the last times I spoke with them, They stated that you don't see your account like we do. I stated that I see my available balance is positive so there should be no charge. 

In the passed month about {$400.00} passed 3 months closer to {$1200.00} over the passed year it has been more than {$1200.00} I have a further complaint, when I opened my account with them. I opened a prepaid secured credit card and the {$500.00} that was put into that account was never put in. 

They sent me a letter saying I opened a credit card with a {$0.00} balance. 

If contacted I will gladly turn over more inforation like printed bank statements.
Product: Checking or savings account

A Capital One 360 checking account was closed out several years ago in 2018, closeout check was never received, appears lost/stolen, no funds received to date. Capital One rep, XXXX XXXX, attempted to reply by inferring the person whom may have intercepted check/cashed it, is related which is irrelevant.. The check was sent via XXXX while I was on vacation, intercepted, cashed by a third party, signature forged. I believe Capital One reps are well aware of this, refuse to reissue check in amount of {$4200.00} and or reissue affidavit. I was referred back to cashing bank, XXXX XXXX, in which case they requested another affidavit. The rep replying on behalf of Capital One, XXXX, has referred back to XXXX XXXX but refuses to reissue affidavit. XXXX also refuses to do the same, another rep replying on behalf of Capital One.
Product: Credit reporting or other personal consumer reports

I recently returned to the United States and checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries have appeared across different credit bureaus : Experian : XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. 

Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these unknown inquiries be thoroughly investigated and promptly removed from my credit report. Please provide clarification regarding the purpose of these inquiries and take necessary action to resolve this matter.
Product: Credit reporting or other personal consumer reports

We only owed one month which was XXXX. We were dealing with mold in the home. which the city had to come out and inspect, we have paperwork from the city stating that they have to do something about the mode at a certain time. Which they didnt my son has XXXX so we had to move out, but before we had got able to move out, they put an eviction letter on our door. We wasnt even a month late yet. We tried to work with them, but they didnt want to take care of the mood so we end up having to
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I notice a school loan has been reported on my credit report. I have never had a loan with XXXX XXXX company. PLEASE HELP.
Product: Vehicle loan or lease

SANTANDER CONSUMER BANK # XXXX {$11000.00} THIS ACCOUNT IS FRAUD AND THEY ARE REPORTING ME TO MY REPORT HURTING ME I NEED HELP PLEASE.
Product: Mortgage

I applied for a home refinance with Wells Fargo and received my Loan Estimate on XX/XX/2020. I had a phone conversation about the details with the loan officer and it was communicated that my credit score was low which impacted my interest rate. I understand this and the affects of the credit score on interest rates. I asked for a copy of the credit report that was used to determine the rate associated with the offer of extension of credit. I was told that I am not able to get a copy of the report that the lender used. I was verbally told the 3 credit scores used by the lender but did not get anything in writing. Again when I requested over the phone I was told no. From my understanding, section 609 Disclosures to Consumer - 609 ( g ) the lender is required to disclose the credit scores upon request along with factors affecting that score. In addition subsection 609 ( g ) ( 1 ) ( D ) requires the " Notice to Home Loan Applicant '' which was not part of my initial disclosure package. I am uncertain if this notice is required at the point of application or anytime prior to loan closing. I would like to understand if Wells Fargo is permitted to refuse to provide the consumer credit report used to determine a credit decision upon request from the consumer.
Product: Credit card or prepaid card

My credit card was compromised and fraudulently charged. Neither I nor anyone I know authorized the transactions, I never get any benefits out of it. I notified Bank of America as soon as I found out the charge from banks website. Bank of America closed the claims without even hearing back from some of the merchants and not giving me any written proof. Since I didnt create those orders, merchants couldnt help and asked me to contact the bank. 
I need to get my money back on those fraudulent charges and I would like the bank to reopen the claims # XXXX, # XXXX, # XXXX and provide written detail of the proof that I am responsible for these fraud charges. 

XX/XX/XXXX XXXX  {$39.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX  {$10.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX  plus {$29.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX XXXX XXXX   {$180.00} XXXX Never receive anything XXXX XXXX   {$80.00} XXXX Never receive anything XX/XX/XXXX XXXX   {$100.00} XXXX Never receive anything XX/XX/XXXX XXXX XXXX   {$190.00} XXXX Never receive anything
Product: Credit reporting or other personal consumer reports

This afternoon, I saw unauthorized inquiries on my credit report, and I have no idea where they came from. I reviewed my credit report as usual, but this time I noticed discrepancies that werent there before. I even tried refreshing my browser to see if it was a simple glitch, but nothing changed. These unauthorized inquiries are still there, and I'm extremely frustrated. I urgently need the documents I've sent to be thoroughly reviewed so I never have to worry about this again.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to my ongoing identity theft case. I have been a victim of identity theft as a result of the XXXX data breach, and fraudulent accounts, inquiries, and incorrect personal identifiers have appeared on my Experian credit report.Despite my repeated disputes and evidence provided, Experian has failed to remove this fraudulent information and continues to violate multiple sections of the FCRA. This has caused significant harm to my credit score and financial standing, and I am demanding immediate resolution along with compensation for these violations. 

FCRA Section 605B ( 15 U.S. Code 1681c-2 ) Experian has failed to block fraudulent information caused by identity theft, despite my notification. They are required to block this data within four business days. This continued reporting is a clear violation. 

FCRA Section 609 ( 15 U.S. Code 1681g ) Experian has failed to provide sufficient verification methods for the fraudulent entries, as required under this section. They are obligated to disclose how they validated the accuracy of this information, and their failure to do so is unlawful.

FCRA Section 611 ( 15 U.S. Code 1681i ) Experian is required to investigate and correct any disputed information within 30 days. Despite my timely disputes, they have continued to report these fraudulent accounts and personal identifiers, demonstrating negligence in following FCRA regulations. 

FCRA Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Experian has failed to maintain reasonable procedures to ensure maximum possible accuracy in my credit file, continuing to report fraudulent information.

These violations of the FCRA have caused significant financial harm and emotional distress. Experians refusal to follow the law has impacted my ability to secure financial opportunities, and I am requesting statutory damages of {$1000.00} per violation as well as compensation for actual damages, including legal fees, emotional distress, and loss of financial opportunities.
Product: Debt collection

ERC is still trying to collect a debt that was included in the bankruptcy. I also was a victim of identity theft. I filed a report with the federal trade commission.
Product: Debt collection

A collection agency " XXXX XXXX XXXX '' started threatening me about a Capital 1 CC bill. I've never had a Capital 1 card, the card address was in North Carolina, I've NEVER lived outside of XXXX. The dept was not on my credit report, but the false North Carolina address was, which has been removed. 

Balance : XXXX The first I was contacted about this debt was by phone, late summer of 2020. On each of multiple calls, it was explained, never lived in NC, never had Captial 1 card. First contact in writing was XX/XX/2020. They mentioned another person on the account with a name other than my husbands, with a SS # different than my husbands. This info was also reported to them as not correct. 

Credit reports checked and found no mention of this debt. Reported the possible ID theft. 

About the same time, a fraudulent unemployment claim was made against me. I and my employeer reported it to the state of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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, credit repair services, or other personal consumer reports

I have inquiries on my credit report I did not make from ( 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 also have a CLOSED account with XXXX XXXX on my credit report i did not do. The limit is {$500.00} I have filed and attached my ftc report. PLEASE REMOVE THESE INQUIRIES and CLOSED account information now.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I discovered that XXXX, XXXX had reported a fraudulent accounts under my name EXPERIAN. 
The accounts numbers : XXXX, XXXX, XXXX, XXXX, XXXX were reported without my authorization. This continued reporting of false information is a violation of the Fair Credit Reporting Act ( FCRA ) XXXX have taken all appropriate steps, including filing an identity theft report with the Federal Trade Commission XXXX yet EXPERIAN XXXX to report inaccurate and fraudulent information under my name, which is negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old cell phone bill on my credit report from IC Systems. They have not proven to me with a contract with my wet signature that it is indeed my bill or that I have a contract with them and agreed to owe them anything. However, there is a FEDERAL statute of limitations of only XXXX  years regarding phone bills and reporting them. The account I did have with the phone company in the past is past the federal statute of limitations. This collection agency is breaking FEDERAL law by refusing to delete this from my report. I have disputed it more then once and they claim valid and verified and refuse to delete and have not shown me any kind of physical proof to back up their claims. As I said cell phone bills are a special case and have a statute of limitations of only XXXX years on a federal level and they are breaking federal law by not removing this. It must be deleted from my report immediately.
Product: Debt collection

XX/XX/2019 i received a response from CAPSTONE CREDIT COLLECTIONS LLC i recently found out that the debt is not owned or bought by the company and the management is no longer in business i asked CAPSTONE CREDIT COLLECTIONS LLC IF I PAID THE DEBT WHO would they pay for my debt they told me to the management of XXXX AT XXXX XXXX. I DISCOVERS that the company has been bought out. the company has new management now which makes a new contract to be made in place, which CAPSTONE DOES NOT HAVE. Capstone has informed me that there trying to collect a debt that's pass the statues of limitations on top of not owning the debt in addition to that doesn't have a contract with the new management that there saying they would pay the debt to. so CAPSTONE is the only company that would be getting paid with no contract in place since the management that exist almost 6 years ago doesn't operate any longer CAPSTONE is trying to convince me that the new owners own the debt but, i have contacted the new owners at XXXX XXXX WHICH TOLD ME THAT they do not own any debt or are affiliate with XXXX at XXXX XXXX there committing fraud and i would like proof that they have permission to try to collect this debt in 2019 and i would like contact information for who owns this debt and who would i be paying this invalid debt to
Product: Checking or savings account

I cashed a check for {$300.00} in my checking account on XXXX/XXXX/XXXX. XXXX week later on XXXX/XXXX/XXXX, Chase bank debit me for {$500.00} because they say their teller system processed that check for {$800.00}. But I did n't receive the extra {$500.00} when I cashed this check. I asked the bank to send me an evidence that they actually paid me {$800.00}. But they do n't have. Instead, they use an internal Deposit Account Agreement that they can always to debit me for any debt. They ca n't prove I own them any debt. This is complete nonsense that the bank debits me {$500.00} for their internal operation error.