23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are 3 derogatory alleged medical collections placed on my XXXX, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is Americollect. Americollect has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the Americollect and from XXXX, XXXX, and XXXX for allowing this company to commit fraud. Amercicollect did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. Americollect also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that Americollect ran a soft pull on my consumer reports before placing these fraudulent accounts.
Product: Debt collection

To Whom it May Concern : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you this in 2020 account # XXXX and # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, Santander Consumer Usa, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, Santander Consumer Usa, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

Hello, I was not able to submit payments to Homeloanserve for three weeks. I called them, talked to the manager, and wanted to make sure a payment would not go on there late because I was trying to pay. They told me I'd be able to make payment tomorrow, and assured me I wouldn't be listed as late. The next day they made payment possible and listed me as late though I'd talked to them just the day before and tried to pay for three weeks. They have not responded to my emails to remove this payment. They also said they would remove three late payment fees for system error and instead charged more late payments.
Product: Credit card

I attempted dispute a charge of XXXX to my credit card account on XX/XX/year>. The charge is in error because the debt was XXXX by a representative of Synchrony Bank on XX/XX/year>. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Synchrony sent me a letter that was not responsive to my dispute and refuses to remove the charge and related fees and interest.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Today, I tried to transfer my money earned on an online website through XXXX like I always do. The funds kept getting sent back to XXXX. I then tried to get a small online advance ( again, I do this all the time through an app called XXXX ). I got a message from XXXX that there is an issue with my bank, and I need to contact them. I called my bank, Wells Fargo, and was told that I had at least a 45-minute wait to speak to someone! Upon opening my computer and investigating, Wells Fargo has a coy message in the color blue " We've converted your checking account to another checking account. See your statement for details ''. I opened my online statement and found nothing to indicate that my checking account had been converted to any other account. I called back Wells Fargo, this time trying to get to their fraud department for an explanation. I received this message " Due to technical difficulties we are experiencing longer than normal wait times ''. I left my telephone number for a callback. I received an automated callback from Wells Fargo again informing me of an indefinite wait time to speak to someone. This is completely unacceptable. Throughout my years as a Wells Fargo customer, this bank has seemed to face repeated issues, both consumer-related and legal. I am so tired of having my life turned upside down by this bank! There is never any accountability from Wells Fargo when I reach out to them. I can not receive money into my account, I can not even communicate with Wells Fargo, and apparently, my checking account has been " converted '' without my knowledge, which I believe is the reason for the sudden problems with my checking account!
Product: Money transfer, virtual currency, or money service

XX/XX/2022 - Went into banking hall to send international wire for our business. 
The receiving company, my client, indicated they did not receive the funds because a wrong account number was used. They noted and highlighted that in the proof of payment that our company had forwarded to them, via email. Proof of payment issued by our bank. ( Note, we had sent some funds to this same company a week before, and that transaction went through ) XX/XX/2022 - Our bank initiated a cancellation of transaction tracing. 

XX/XX/2022 - Followed up with our bank on status of cancellation tracing. Was advised it takes 10 business days for funds to be returned to our account. 

XXXX/XXXX/XXXX  - Called the customer services number ( international wires department ) They shared a secured document with us, as proof that they do not have any record of receiving any funds from our client 's bank. Forwarded the document to our client to share with their bank. 

XX/XX/2022 - Client 's bank confirmed that " funds have been returned and was debited by the foreign bank '' XX/XX/2022 - Forwarded document from our client 's bank to the customer 's service- international wire department via email. This was sent to the gentleman who had sent the secured document from our bank to us. Did not receive any correspondence from our bank since then. 

XX/XX/2022 - Called our bank, international wire department. Spoke to ne officer who was very rude. I sked to talk to the gentleman who we have been communicating with regarding this issue. She refused to transfer our call. 

XX/XX/2022 - Called our bank again, talked to another officer who asked we forward the email we sent to our bank on the XXXX of XX/XX/2022. We did, and we haven't heard from anyone ever since. 

This pending payment has some serious implications on working relationship with our client. We will be needing their services again in the next month. There is no way they will want to work with us whilst this payment is pending, at no fault of our own. 

The bank admitted it's their fault. Why is our business suffering due to a fault of their own? 

Hope to hear from you soon. 

Thanks.
Product: Debt collection

At approximately, XXXX on XX/XX/XXXX XXXX, I received a voicemail from a representative and he introduced himself as XXXX from property receivables. Also, stated to give him a call as soon as I can. I gave him a call due to curiosity and he answers to confirm if I am so and so. He then states, that I owe the company money and I need to pay it or else he will send me to collections. I tell him that I don't owe any money and he is identifying me as the wrong person. He then states if I know the other individual that is on the loan and I tell him to stop calling me that I don't owe anything or know the other individual. This company is a scam and other individuals have stated this on their company reviews. This company needs to be investigated immediately for fraudulent claims. 

company name : Property Receivables Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Product: Credit card

My coverage under the Military Lending Act has been informed to Citibank four times. Under 10 U.S.C. 987 ( Military Lending Act ), all Active-Duty Members and their immediate family members are covered. Due to the fact that my husband is active duty, I am a covered member. Citibank 's credit card charges me more than 36 % interest, fees included. Citi Bank must void the illegal contract and issue a full refund in accordance with the MLA. While I have requested Citi Bank comply numerous times, they have refused instead claiming I am not a covered member. Although Citi Bank has access to the DOD data base that shows I am a covered member, they refuse to comply. According to the MLA, this is a criminal offense.
Product: Bank account or service

BMO Harris Bank did not fulfill a promise to provide promo interest rate on money market account. It has been two months sine I opened the account. 
thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints ( 6 complaints total ) were closed without any investigations or removals of these items, claiming these complaints are not from me. No documentation supporting the items remaining on my credit file were provided. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX XXXX XXXX, submitted a letter for the removal of these incorrect items. No response from Experian. A follow-up letter was submitted by Attorney XXXX on XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, Experian HAS NOT responded to the follow-up letter either. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Experian attached ) Account Number XXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX BANK ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX ( 2 prior CFPB complaints filed for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX XXXX XXXX ( 2 prior CFPB complaints for Experian attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that Experian remove these 5 incorrect items from my credit file per the FCRA.
Product: Money transfer, virtual currency, or money service

I was wanting to know if I would be receiving my stimulus check to my cash app card? I just now ordered and ask for a new one the text message told me the check is on the way so do that mean it automatically goes to my card?
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$48000.00}.
Product: Debt collection

I have not supplied under the doctorine of estoppel silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 
According to FCRA Section 605B its illegal to put anything on my credit report without my permission. Please remove this negative item. Thank You
Product: Credit card or prepaid card

I made a purchase at Lowes in the store and paid additional fees for items to be delivered to me on XX/XX/XXXX. The items were suppose to deliver to me on XX/XX/XXXX but they did not. I called into the store and reported it, I did not hear back so I went into the store on XX/XX/XXXX and the customer service desk told me they had a packing slip and informed me to get a hold of a manager later in the week. I called and talked to XXXX  on what i believe was XX/XX/XXXX and explained the issue. He told me he would talk to his employees about the issue, the bad customer service I received and get this resolved. I followed up with him a couple weeks later and XXXX informed me that since the packing slip did not match my information I had provided that I needed to show proof that I was the card holder. I was not sure what he was talking about and reached out to lowes credit card services. I was told that there was a issue with the packing slip having different information on it from my information and they would dispute this right away and take this up with the manager at Lowes. During this time I did not hear from Lowes store, the manager nor anyone else involved. I received a notice that the charges were applied back to my account. I requested multiple times for Lowes to provide me with a signed slip of accepted/received delivery and have not received the requested papers. They keep sending me a packing slip which indicates nothing more than they indicate that the items were suppose to be on the delivery truck. Since the initial dispute I have informed everyone that I did make the purchase but the items were not delivered to me. Lowes has not offered any resolution and this has been a ongoing hassle for 8 months now. 
As of XX/XX/XXXX Lowes has informed me that since my last correspondence did not provide additional information that I will be charged for these items. There has not been additional information requested by Lowes and the only information I can provide is that I did not receive the items and I have went into the store about this, called the manger and reported it to Lowes credit card. My card was billed before the items were set to ship/before delivery was confirmed. The delivery states that customer must be home for items to be received but Lowes has not yet provided me with any information to show this delivery was accepted by me. The Loading Ticket provided shows different name and contact information but it does show the last 4 of the card # being mine. 
I am being charged for items that I never received nor did Lowes even attempt to set up a re-deliver or any other resolution
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB nave brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 16811 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
XXXX. Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
XXXX. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
XXXX. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XX/XX/XXXX
Product: Student loan

We have student loans that we have been paying monthly on. The money was borrowed in the XXXX. We had a car accident that XXXX us XXXX  and was taken off of work and school, not being able to finish or go back to work. Regardless we had been paying back our debt even though we are at the poverty level now in income and XXXX XXXX XXXX. We were nothing but harassed by XXXX, Transworld and now another company XXXX to repay. The past couple of months have been difficult due to the circumstances. We are XXXX and a military family. We received this in the mail from another collection agency- XXXX after paying XXXX  and Transworld and them cashing the monthly checks from us when there is a cease communication order from us on this debt. We want them to leave us alone so we can repay in peace. Also, the loans went through XXXX XXXX XXXX. They no longer show on the credit report but they still cash the checks. We inquired if the massive lawsuit involved our loans but we never got a response. We would like to be left alone and also notified at our mailing address if we are entitled under that lawsuit that was settled. Also, quit harassing us and let us pay our debt in peace.