23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm being harassed by a HRRG, Healthcare Revenue Recovery Group , LLC. They have contacted many times daily plus sent an invoice which was charging me for an XXXX XXXX XXXX It is labeled XXXX XXXX XXXX XXXX. It is in the amount of {$1300.00}. I called them to give them medical insurance information because their invoice stated no insurance on file. They took the information and said that they would re-file it with my medical insurance provider, XXXX. I then received another invoice several weeks later stating that XXXX had denied paying the claim. I called XXXX and asked them why and they stated that nothing had been submitted regarding that date of service, etc. 

This company has a parent company named XXXX, who did the exact same thing with me. They call me many times per day and it sounds like a robot, which is trying to sound human. 

These false claims need to be stopped and the harassing calls need to stop. There are probably many individuals that they are scamming each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to TransUnion asking them how they verified an account that is on my report, XXXX XXXX Bank to be exact. The letter was recieved by TransUnion on XX/XX/2019. there was not a postmarked response until XX/XX/2019. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency has 30 days to postmark a response and send the information to me and if it can not be verified within the 30 days is should be deleted. That did not happen ; nor did i send additional information during the process to delay their investigation ; nor did they send the requested information to verify how they verified the information. i had asked whom did they speak with, the address and the telephone number that they contacted to verify the information and i have not received any information. 

Additionally, I received a letter from XXXX XXXX Bank dated XX/XX/2019 and received by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. So AGAIN I ask TransUnion how did you verify/conduct a reasonable investigation the account with XXXX XXXX Bank if you have NO signed documents to substantiate the account?
Product: Checking or savings account

Bank account opened with TD Bank in XX/XX/2021 Bank account opened with XXXX XXXX in XX/XX/2021 2021
Product: Debt collection

I was imitated as a bumbling monkey, and mocked for being honest and trying to solve the problem. The lack of professionalism and respect for what my ancestors sacrificed in order for me to be free shouldn't be minimized or disrespected
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX ( XXXX  ) Date opened : XXXX, XXXX, 2022 Last payment date : XXXX, XXXX, XXXX  No payment was late on this account. I have tried to get it updated multiple times, but the company XXXX, or the credit companies will not do anything. I have tried to dispute this multiple times and even sent a letter in the mail. No response.

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 an account without my written instructions.
Product: Credit reporting

I made charges on the credit card, XXXX in this example, and I paid off the balance in full through a checking account with my financial institution namely XXXX Bank also known as XXXX Bank XXXX XXXX. I have the bank account statement that shows the payment was accepted because there is a debit in the amount of the charge in my checking account. Now, the credit card company namely XXXX has not credited the amount in the credit card account and they are leaving a balance with a payment due. I do not have a balance on the card and there is no payment due. I am a responsible citizen and I would sincerely appreciate attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent the letter to XXXX on the XXXX XXXX  XXXX, 2023 The reason I sent the letter was that XXXX verified my accounts and said everything was complete and accurate. So On XX/XX/2023, I sent a letter to XXXX. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX. I requested a full description of how they verified my accounts according to 15 USC 1681i ( 7 ) and they were suppose to provide this within 15 days. I havent received nothing from XXXX. I also noticed they didnt modify or update anything according to 15 USC 1681i ( 5 ). I compared reports and nothing everything is still inaccurate. This doesnt make any sense to me. I am very frustrated Why is XXXX lying?? How can I trust not them? They didnt reinvestigate my accounts. They said everything was modified and updated. I have proof they didnt
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 : USDOE/XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : 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: Debt collection

I paid a bill for a purchase made at a XXXX store on a credit card issued by Comenity Bank. The payment was due on XX/XX/2019 and I mailed a check in the amount of {$28.00} for the full amount of the purchase to Comenity bank on XX/XX/2019. The check was made for the full amount of the bill. On the following month I received a bill in the amount of {$28.00} for a late payment fee. I called Comenity Bank and explained that the check was mailed in time and that they should not charge me a late fee. I agreed to pay a reduced late fee of {$11.00} even though I explained to them that the check was mailed on XX/XX/XXXX, that they should have noted the posting date on the mailed envelope, and that they should have marked the payment received prior to the due date irrespectively of when then received it. I paid the {$11.00} late fee on XX/XX/XXXX which was the due date on their bill. The following month Comenity sent me another bill for a late fee of {$30.00}. I called them again to tell them that I would not pay their late fee because it was paid electronically on the due date. They would not accommodate me. I cancelled the card and told them again that I would not pay another late fee on a late fee that I should not have received in the first place. Since then they have been billing me a late fee on a monthly basis and now I have a bill in the amount of {$270.00}. They have been harassing me, sometimes calling me as early as XXXX on weekends. They have damage my credit report that was at XXXX points with only one late payment in 10 years. I called Comenity again and told them that I would not pay the late fees and they propose to reduce the bill to {$130.00}. I told them, no thank you, and that if they didn't cancel all of my late fees I would report them to CFPB. The Comenity Bank representative did not seem to be concerned with my threat.
Product: Credit card

I was interested in opening a credit card account with UPromise by Sallie Mae, so I filled out the appropriate information so that they could run an instant credit report check. After the check I was approved, and offered a contract of 14.24 % with a {$2000.00} credit line. When I received the card and terms in the mail the contract had now been adjusted to 23.24 %. I immediately called their service number and informed them I had been promised a 14.24 % contract. They offered no excuse except to close the account for me. After closing the account they told me to destroy all documents and emails that I had pertaining to the account and card.
Product: Credit reporting or other personal consumer reports

I am currently rewriting my complaint with EQUIFAX concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. EQUIFAX claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Product: Mortgage

The loan company will not send the monthly statement on time. The statement has a due date for the XXXX of each month, the company has been sending the monthly statement after the due date, and even after numerous phone calls with their representatives plus twice with supervisors the same thing still happens. They now have sent me a communication with a debt collector, I have been paying this on time and before due date until Ditech took over. They want me to allow them access to my bank account for automatic payment, and they can not even keep the mailing straight of the monthly statement. I pay by check and have been ever since I started the loan and I will continue to do so if they will just do their part by sending the monthly statement on time. I believe that they are trying to force me into direct payments and I refuse, I will pay by check as always. In over 25 years I have never been late, I have always paid on time but can not, if I do not receive the statements on time. 

,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX Date of Birth : XX/XX/1988 Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days.

My goal is to exercise my legal rights and protect my personal financial information.

Thank you for your prompt attention to these matters.

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Debt collection

I have previously sent a request to validate my debt to Midland Credit Management LLC regarding reference number # XXXX on XX/XX/2024 Under the Fair Debt Collections Practices Act ( FDCPA ), I had the right to request validation of the debt allegedly owed. I even gave them 30 days to remedy the situation, which is a very reasonable period. I have received no reply, though I did receive confirmation via USPS mail certified tracking number # XXXX that my letter was stamped and received on XX/XX/2024 Signed by XXXX XXXX. They are still reporting this account on my credit report, are now in violation of the FCPDA. This company has even threatened to take legal action against me ( see attached documentation ). Reporting such invalidated information to major credit bureaus is defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX XXXX : ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ;
Product: Vehicle loan or lease

Will not lower my payments and having im hardship at making payments on time.
Product: Credit reporting or other personal consumer reports

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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
Product: Credit card

Card was used on XXXX to make $ XXXX in fraud purchases. XXXX confirmed the fraud and told me I have to charge back through Amex. Submitted a fraud claim with Amex. Amex refused the fraud claim, they said that XXXX said the goods were shipped to me, but they won't let me see any evidence, they won't tell me what was shipped, they won't share tracking information, and I know that these goods were not shipped to me. In processing the claim, Amex doubled the fraud. They charged me twice for each fraudulent charge.
Product: Checking or savings account

I received a letter dated XXXX XX/XX/2020 from USAA stating that my two checking accounts and savings account would be closed. I  received another letter dated XXXX XXXX saying that those accounts would be closed unless I provided information to them. I called on XXXX XX/XX/2020 and submitted the required information. The customer service rep assured me multiple times that my accounts would now remain open. XXXX XX/XX/2020 USAA closed my two checking and one savings account. They did not have a reason.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting 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 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. XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have communicated with the 3 major credit bureaus in regards to an account with Capital One NA ( that does not belong to me ) that is now charged off and impacting my credit. I requested to have proof of my signature from the credit bureaus of which they could not provide and the account remains. This account is now charged of to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ ( XXXX ) XXXX XXXX Amount : {$650.00} Account Number : XXXX : XXXX This company has been attempting to collect a debt that does not belong to me nor are they able to provide viable proof that this account with Capital One belongs to me. 

They have sent me documents that has an address that is not associated with me. The address that they have is not my current address nor have I lived there. I would like CFPB to hold Capital One accountable and XXXX XXXX XXXX XXXX for not legally reporting an account that is not mine. I have communicated with both entities via mail to request that this account is removed. They are not cooperating with the Fair Credit Reporting act to require an actual signature or supporting documents to prove this account belongs to me. 

This collection agency is practicing unlawful methods to obtain money for an invalid debt. 
I would like this account removed at once. 

Thank you, XXXX XXXX
Product: Checking or savings account

The bank mishandled charges that was due to be reversed {$760.00}, and {$150.00}, - i submitted in writing evidente that money would go back to the account from merchant, but it did not. 

Further i desputed over {$70.00} in transport charges that was mishandled. I wasted many hours They did not contact me in due time to resolve this as indicated. I can not get through to the person handling the case. Straight up a liar.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Not sure how to answer this question none of my reports match and there are old accounts still listed also my personal information is listed and I asked to freeze all credit report because I have been one of the people who's information has been in data breach across them all of them and never got anything fixed nor compensated for any of these breeches. I'd like it all removed or corrected immediately please they get all these XXXX party debt XXXX send XXXX any thing and report the wrong information
Product: Payday loan, title loan, or personal loan

Klarna was listed as a financing option for a product sold by XXXX. Its the only financing option. The requested amount was to cover the purchase of an XXXX I completed the online application and was approved for the full amount. I accepted the terms for 3 year fixed rate loan. After reviewing the TIL disclosure I clicked submit and then was told I was declined after being approved and the reason was listed we are unable to verify your identity. I was then reached out to the finance company and informed them of the issue and was willing to provide any type of documents to verify my identity and was told No, there is no escalation or reconsidering. I let them k ow that I thought it was illegal to decline an applicant for that reason without first allowing the applicant to prove his or her identity and the. Was told Id get a letter or email stating the same. I have never received such correspondence. I noticed on social media others are being declined for the same reason after being approved and the result is the same. No reconsideration!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXXXXXX, XXXX, AND TRANSUNION in regards to account name : XXXX XXXX XXXX account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were XXXX errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with TRANSUNION, XXXX, AND XXXX are showing inaccurate and differently. I have attached to this dispute my credit report with the XXXX above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit reports with XXXX, TRANSUNION, and XXXX I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit files and credit reports immediately. 
15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information