23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I was seen for XXXX XXXX XXXX  at XXXX XXXX. There were several bills related to this service, and for some reason XXXX XXXX XXXX XXXX XXXX ( my medical insurer at the time ) did not pay for one approximately $ XXXX. I was not notified by the XXXXl that the insurance did not pay for this bill until over a year later. I contacted XXXX to try and resolve/dispute the claim not being paid. Myself and the Medical Insurance advocate company XXXX contacted XXXX XXXX to let them know we were in the process of appealing/working with the insurance company. During this time XXXX processed a deduction for a " true cash pay '' to lower the amount to {$4800.00}. Instead of holding off while I worked with XXXX XXXX XXXXXXXX instead in less than 15 days after this contact sent the claim to AMSHER in AL, a collections company. This was in XX/XX/XXXX. 

I never received written correspondence of this until it showed up on my credit report as a collections account in late XXXX XXXX. 

My wife 's boss was able to work through their HR Department/Company and XXXX reprocessed the claim paying it in full for the $ XXXX. 

XX/XX/XXXX I received the EOB from XXXX XXXX XXXX  showing it was paid in full. I contacted XXXX XXXX and verified the account was paid. 

I then contacted XXXX and disputed the XXXX XXXX XXXX as the account had been paid and needed to be removed as it was paid by insurance and should not have been on my account. The bureaus validated the claim with AMSHER who still showed it as outstanding in the amount of the $ XXXX. 

I contacted AMSHER XX/XX/XXXX and was told they would refuse to remove without providing proof of being paid. I requested we contact XXXX XXXX and so we could provide that and was told " no, you need to get paperwork to prove it was paid. '' I asked for them to email the information so that I COULD provide it to them and was told " No, I won't email you. You can write down the email to send the documentation to, and that it could take up to 75 days before they process anything they receive from XXXX XXXX. '' I believe AMSHER is A ) not properly notifying people of a claim against them in a timely manner before opening a 'line of credit ' regarding the outstanding collections. B ) Not processing/updating their information in a timely manner. C ) Not verifying if/when accounts they have opened with a creditor have been paid in timely manners D ) Showing accounts that should have been closed-paid Medical Debt, as still open/owed collections on peoples credit reports negatively impacting them.
Product: Credit reporting or other personal consumer reports

Company is not updating my Equifax report and making it viewable. Unable to obtain report and view changes.
Product: Money transfer, virtual currency, or money service

I lost over XXXX dollars on cash app due to a scammer hacking me and my brothers cash accounts... I have never been so irritated with a app in my life cause my money goes straight onto cash app and no I can't trust that I won't lose all my money. Ok it's not a lot of money but I wasn't able to pay rent this month because of this situation.
Product: Credit reporting or other personal consumer reports

I am formally submitting a complaint regarding the failure to conduct a proper investigation into my dispute under the Fair Credit Reporting Act ( FCRA ). My dispute concerns the inaccurate information reported on my credit report by ( XXXX XXXX XXXX Account # XXXX ) Nature of the Dispute : On [ XX/XX/year> ], I disputed the accuracy of the information reported by XXXX  XXXX XXXX Account # XXXX ) with your agency. Specifically, I contested the following : Inaccurate reporting of the account status Inaccurate payment history Despite my detailed dispute, I received a notification that my dispute was resolved without any changes to my credit report. I believe the investigation conducted by your agency was inadequate and did not comply with the requirements set forth by the FCRA. 

Request for Method of Verification : Under Section 611 ( a ) ( 7 ) of the FCRA, I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information. Therefore, I am formally requesting the method of verification used in your investigation into my dispute regarding the XXXX account . Please provide detailed information on : The sources contacted during your investigation The documentation reviewed The process followed to verify the information Request for Re-Investigation : In addition, I request that you re-investigate this matter promptly. Under Section 611 ( a ) of the FCRA, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from my credit report.

Supporting Information from Original Creditor : I have also disputed this account directly with XXXX XXXX and they have confirmed that the account will be deleted due to inaccuracies in reporting. This further substantiates my claim that the information is incorrect. The original creditors acknowledgment of the inaccuracies indicates a violation of the FCRA, which mandates accurate reporting. 

Request for Deletion : In light of the aforementioned inaccuracies and the failure to comply with the FCRA guidelines, I am requesting the immediate deletion of the XXXX XXXX XXXX Account # XXXX ) from my credit report. Continued reporting of this inaccurate information is a violation of the FCRA and the guidelines of the XXXX XXXX XXXX XXXX ( XXXX ). 

Please respond to this complaint in writing within 30 days of receipt, as mandated by the FCRA, with the results of your reinvestigation and the method of verification. If you fail to comply, I will not hesitate to escalate this matter and seek legal remedies.

Thank you for your prompt attention to this matter. I look forward to your swift response and the correction of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

The INQUIRIES listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These INQUIRIES were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the INQUIRIES removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the loan off in the XXXX XXXX This scammer called me and keeps calling about credit scores and adverse effects. XXXX is the number they used this time. They try to block the number but this time it showed up their computer program must have glitched on them.
Product: Debt collection

we are getting calls and documents in the mail from a collection agency trying to collect for a timeshare that we cancelled ... .we are no longer responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX, XXXX, and Transunion regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

Upgrade sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX Inquiries : XXXX MORTGAGE XXXX XXXX XXXX XXXX : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXXn, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have asked the many companies to not do a credit check if it's a hard inquiry. After checking my report I found they did the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX XXXX XXXX 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 all have 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 states : A consumer reporting agency can not furnish a account without my written instructions. 

I have disputed these accounts with XXXX for 12 months with no live support or initial investigation that has been completed from initiated disputes.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Mortgage

closing disclosure indicated loan would fund on XXXX. Per my conversation with the lender, Better Mortgage this morning XX/XX/XXXX, the loan did fund on XX/XX/XXXX. As part of the loan package we reviewed the documents detailing how a refund would be processed. This page indicates the check " ... will be sent via 2-3 day express, ... '' 3 days ( business ) after XXXX is XXXX, it is XX/XX/XXXX and we have not received our refund of approximately {$1900.00}. A call to the settlement agent, XXXX XXXX XXXX ( an affiliate of Better Mortgage ) this morning, XX/XX/XXXX, yielded immediate hold music with no answer or even automated message indicating how long i would be on hold. After about 15 minutes, i hung up and called the mortgage company, Better Mortgage, the woman on the phone indicated that the settlement company was separate and that she would try to call. I expressed my frustration and indicated my intention to file a complaint with the CFPB. I was requested to wait till the end of the day, however i don't feel, that after waiting two days post the agreed upon date, that i should wait yet another day to have this resolved. A final call before clicking submit on this form got me to a voicemail. The Mortgage company called me back and provded tracking information, this tracking indicates a label was created on XXXX. No other updates have been provided. My assumption is that someone didn't do their job and now its my problem to figure out how to come up with the {$1900.00} that i had expected days ago. The mortgage company representative also indicated that the settlement agent said there was a 3day waiting period from the date of disbursement. My understanding of the laws surrounding rescission of a refinance transaction applies only to the time period after close ( XX/XX/XXXX ). So at this point I feel like i was lied to by the settlement agent ( through the conversation with the mortgage company. )
Product: Checking or savings account

On XX/XX/2023 I opened a Citi Accelerate Savings account and I went through the online account opening process and deposited funds into the account. 

A few days later, when I tried to log in to my Citi online account to make a payment to my Citi Credit Card, I received a pop up message that I must active a debit card. Since I had not received my debit card, I clicked on the Cancel button but instead of letting me continue with authentication it took me to a generic home page for unauthenticated users. 

I was basically unable to login in to my online account because I had not yet received my debit card. 

10 days later I had still not received my debit card and I could not still login in to access my accounts, my statements, make a payment, or anything, When I called the support number I was instructed to go a branch, but there are no branches even within 100 miles of me.

Its been 40 days now and I still do not have access to my online account and nor have I received a ATM or debit card to activate.

Im basically locked out of using my online account and own funds. If I even try to close my account and have a check mailed to me, they want me to travel across multiple states to a branch.
Product: Credit reporting or other personal consumer reports

In XXXX, I setttled a debt via XXXX. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself and Capital One is being reported inaccurately with deliberate misrepresentations which is fraudulent.
Product: Checking or savings account

Hi, My XXXX FMLA ( i.e., maternity leave ) goes into a Money Network account ( XXXX ) and I am unable to withdraw it. I have attempted to transfer money out of this account every single day for over 2 weeks and not a XXXX has transferred and no explanation. I started taking screenshots of the confirmations showing that a transfer is scheduled. I'm frustrated NJ moved from Bank XXXX XXXX to Money Network b/c I have no access to my money. 

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

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2023 I sent a report to Experian and they are saying that my credit report should remain as is. They are saying that even if they didn't remove the wrong items that it's ok it doesn't matter but i want them taken off of my credit report. Accounts listed are XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am very dissatisfied with this company because they have Shown me the lack of work ethics. They have also violated 15 USC 1681e ( b ) as well as laws 15 USC s-2 ( a ) @ ( b ), and 15 USC 1681i ( 5 ) ( a ) ( i ) @ ( ii )
Product: Consumer Loan

I called in to tell Avant that I was unable to make payments since I am out of work. Though, I wanted to work to lower the interest and continue making payments when I found work. 

However, I called in to ask for help and four times ( on two different cell phones ) their agents hung up on me. They would not assist with lowering my monthly payment until I received another job and instead kept my ACH payment. 

I was forced to place a stop payment on my account to prevent them from over drafting it. Now they call me upwards of five times a day to try to get payment. 

It was already a predatory loan with 36 % interest, but this is getting ridiculous.