23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, I went to the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I provided information from my XXXX XXXX XXXX that I pay each month. After the visit, I paid my deductible of {$600.00}. While I was paying my deductible, letters from the hospital began to arrive via postal mail trying to collect an additional amount of {$800.00}. I contacted the insurance and they told me that this debt was settled by the insurance and provided me with letters proving that my care was paid in full. ( See attached letter and photos ). I informed my insurance what was happening and started calling the hospital to say that the debt was already paid. The hospital continued to maintain the {$800.00} debt and it was finally sent to a debt collector called Medicredit from whom I receive letters and calls on my phone trying to collect a debt that has already been paid. ( See attached letter ). The insurance also tried to contact the hospital to no avail. They suggested I file a complaint with the Consumer Financial Bureau. 
Also, I would like to express my concern regarding the {$60000.00} charge for my recent visit to the emergency room. Considering that my treatment involved minimal medical services during a XXXX XXXX, I find the amount to be excessively high. In my view, this charge is unreasonably exorbitant, and I strongly recommend a thorough review of this billing.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) XXXX you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX  v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Vehicle loan or lease

On XX/XX/XXXX, I spoke with a representative regarding billing and was told I would receive an email and written documentation in the mail regarding my payments be I was told I had not made a payment since XXXX, 2023. In XX/XX/year> I made arrangements for the months of payments to be placed on the back end of my loan because of my inconsistent income from part-time employment. I have contact the billing and collect department on several occasions regarding their faulty practice. Today I was threatened with repossession after agreeing to provide documents regarding my payments which were dismissed by the representative I spoke with today.
Product: Debt collection

My Credit Report now shows a " Collections '' account regarding a " Check N Go '' account from 2011 being collected ( and reported to Credit Bureaus ) by XXXX XXXX XXXX in XXXX. I immediately contacted XXXX and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). 
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. XXXX XXXX XXXX is polite but they are not transparent about the status or anticipated resolution. 
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. 
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. 
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute CREDIT XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXXXXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/year> 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 XXXXXX/XX/year>
Product: Prepaid card

I paid off my Pay Pal Credit in full except for a late fee which I disputed. Pay Pal agreed to reverse the fee but still charged me an interest fee of {$19.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Trans Union. A medical collections account was attached to my credit profile by error and 30 points was taken off my credit score. I worded with the reporting company to have the collections account removed from my profile and it was reported to all credit bureaus. I my credit score returned to normal for all but Trans Union. I contacted Trans Union customer service was told that my account was put on fraud alert because of this action and had to contact their fraud division to get more information on when my credit score would return. I reached out to the department via the number given and was hung up on when the phone call was answered. I tried to call back and got no response. My credit score was lowered 5 more points the following week and is now 30 points lower than the rest of my credit scores. I'm unable to get any answers from Trans Union on this matter that happened between XX/XX/XXXX. and XX/XX/2017. I know that I don't have the best credit but I worked to hard to rebuild it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. Account Number : XXXX Delete this account. 17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 20. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX  XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the bureaus more than once to investigate because I know per FCRA 15 U.S.C. Sec. 1681i ( a ) if the bureaus don't provide proof or investigate properly items must be deleted. They claimed to have verified XXXX. XXXX XXXXXXXX ( Original Creditor : WHY UNIFIED ) however its still on the report inaccurately even if oneday they decide to show proof of the debt they assume is mine. Experian didn't even let me know they were even indeed investigating. It is against the law to report as they have for this account. It should be deleted immediately. 

The other acct is with transunion. They never once investigated " US BANKRUPTCY COURT ' I've requested twice. This need to be removed as soon as possible due to it causing issues with my approval rates for new credit. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, they are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. I would appreciate it if they delete these account asap.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed an account I wasn't familiar with. I sent this company a debt validation letter on XX/XX/XXXX for the company to validate that this debt belongs to me. Under 15 u.s. code s 1692g validation of debt. This company failed to validate the debt with the required documentation and didn't respond at all. After 38 days of the letter being sent out this company started calling me to collect on the debt for the first time since the debt reported on my credit bureau. After i asked this company to cease and desist any communication per debt validation letter until the debt is verified. this company called on XX/XX/XXXXXXXX XXXX XXXX after i asked to stop all communication via phone and response by mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I wrote out a check ( # XXXX ) in the amound of {$2900.00} to a remodeling contractor. The contractor then proceeded to the XXXX XXXX, PA branch of Wells Fargo to cash the check. The cashier attempted to cash the check, which was declined because funds needed to be transferred into the account. The cashier then authorized transfer of funds from another account ( overdraft protection ) and proceeded to cash the check, but for {$500.00} less than the check was written out for ( the cashier cashed it for {$2400.00} ). The entire transaction history showed this on the evening of XX/XX/2019 as " pending transaction '' and the Wells Fargo customer service representative could not explain what had happened, so the matter was assigned to an " investigation ''. The contractor 's transaction receipt clearly showed that the check was cashed for {$2400.00} ( not {$2900.00} ) and the contractor swears that he received {$2400.00}. Less than 12 hours later on the morning of XX/XX/2019 the entire transaction history showing the mistake had disappeared from my account and the record indicated that the bank had cashed the check for the full amount of {$2900.00}. I called Wells Fargo again on XX/XX/2019 and they indicated they considered the matter closed despite what the contractor 's receipt said. At this point I accused the bank of attempted fraud and the matter was supposedly escalated to an " executive complaint ''. It is now XX/XX/2019. I have called Wells Fargo executive investigations three times and have been repeatedly told that they have not assigned the matter to a case manager and can not tell me when it will be assigned to a case manager. It has become clear that Wells Fargo has no intention of resolving the matter and is now just stalling me in the hopes that I will let the matter drop. They continue to defraud me out of {$500.00} because of their teller 's mistake and subsequent cover up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently been informed that there are several Bankruptcy listings in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. 

The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have or had '' a 100 % payment history, due to the Santander Lawsuit outcome. Chrysler Capitol is now sabotaging my existing credit loan they are claiming a late payment of 40 days which is incorrect. Due to the pandemic I thought financial companies were suppose to be more understanding not '' stand off-ish '' towards consumers with an excellent payment history. I've have my loan for almost 18 months with missing a payment. I called the company twice  on Thursday XX/XX/XXXX. The first representative told me flat out that they can not remove my late payment, which is false. I called again the second representative was very helpful in removing and addition charges attached to my next payment. She sais she was going to put in my request, which was a whole lot more than the first representative would do. I also wrote a formal goodwill letter to try to fix my credit score and remove the late payment. I am trying to  refinance the vehicle and move on from the subprime loan that I have with my current vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a letter from XXXX stating that they are reporting my Home Equity Line of Credit ( HELOC ) as charged off on XX/XX/XXXX with unpaid balance of {$24000.00}. 
They stated they canceled the balance owed on XX/XX/XXXX and issued a XXXX. and as a result updated charge off balance to {$0.00} on XX/XX/XXXX and reported to credit bureaus on XX/XX/XXXX. 

Further they state they carefully reviewed the account and did not find any misrepresentations, unfair tactics or tried to be deceiving. 
And that they are required to report accurately. 


The problem with these statements are my credit report shows a charge off in the payment history on XX/XX/XXXX. Then the next data entry shows a charge off on XX/XX/XXXX. 
The status shows a balance update and status of charge off update to be XX/XX/XXXX when they clearly said in the letter the balance was canceled on XX/XX/XXXX. If the balance is {$0.00} on XXXX, XXXX it should state XX/XX/XXXX not XX/XX/XXXX. 

The next problem is the XXXX they furnished in the letter and sent to the irs shows an identifiable event code of ( F ) By Agreement. This would have to mean that I made an agreement with them to cancel the debt owed for less than the full balance. This would be false. 

The date of the Identifiable event is XX/XX/XXXX. Considering the Irs regulations prior to XX/XX/XXXX. If a debt has not been paid for 36 months and active collection is not pursued then a XXXX is to be issued even if the debt is not discharged. The account was delinquent prior to XX/XX/XXXX and closed and charged off XX/XX/XXXX. A XXXX should have been issued prior to XX/XX/XXXX. So in this case the XXXX was issued in the wrong year with incorrect event coding Finally according to XXXX county land records there was a mortgage assignment filed for this account. The Assignment of mortgage was not to XXXX XXXX XXXX nor XXXX XXXX XXXX. Which gives reason to believe the incorrect creditor is reporting the debt and that they do not have a valid claim. Whether the Assignment of mortgage is valid is speculative considering the notary had been suspended and the agent on behalf of XXXX may or may not  have worked for XXXX. 

My actions have been contacting XXXX about the misrepresentations and they have stated the account has been charged off since XXXX but it is still open and they are reporting correctly. 
I disputed with Credit Reporting Agencies to validate the information which is clearly incorrect. The came back that they only report what they are told to and that it was validated. 
I have submitted a prior complaint to CFPB which contacted Chase which responded with the letter that I have explained. 
I have continually ran into problems getting credit due to this account reporting the charge off as XX/XX/XXXX since Derogatory Credit waiting periods require 4 years though the Charge Off had occurred XX/XX/XXXX. The cancellation of debt was XX/XX/XXXX which is not a charge off especially if the account was already charged off.
Product: Debt collection

I receive multiple calls a day from different numbers. I have told them to stop calling but they continue to do so. Until they prove I owe this debt, I want the calls to end
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Equifax breech I went online to freeze my report with all 3 bureaus. Two of them went very smoothly. Equifax however is apparently having technical difficulties that spread beyond not being able to secure people's data. While trying to set up my account on "My Equifax" on XX/XX/2019, I went through all the prompts only to reach a screen that said to call their customer care team at a 1-800 number. I did this and explained what happened. They however did not fix my account problem only initiated the freeze over the phone. On XX/XX/19 I was doing some business that required me to temporarily lift my freeze. I logged on to XXXX XXXX and XXXX just fine and performed the process of applying a temporary lift. However, when I got to Equifax I discovered I still was not able to log in. I contacted Equifax and again explained my problem. They did the temp lift on the phone and sent me password reset email. I hung up (unfortunately) and went through the password reset but this of course did not solve the problem. I did not have anymore time to spend on the issue that day. On XX/XX/XXXX I sat down at my computer and again tried to log in. Still did not work. Tried a password reset again. Still did not work. Called Equifax again and the person I talked to said he could not help me but would "escalate" the issue and a supervisor would contact me via email in 24-48hrs. On XX/XX/XXXX (96 hrs later) I still had not received any contact. I called again and was told the same thing. They would "escalate" my issue and now I was told it would take 1 week for a resolution. I am beyond frustrated.
Product: Money transfer, virtual currency, or money service

XXXX, XXXX XXXX, it was multiple transactions all adding up to {$28.00} from XXXX XXXX  to XXXX XXXX. My wallet was stolen not log before the transactions. I needed to use my cash but someone was using my card to make payment online. I locked my card because I didn't know my wallet was stolen I just thought I miss placed it but it's gone and money wasn't missing from my account on websites I don't even go on. I brought up the issue and I was told that I need to request it back so I do and it gets declined.
Product: Mortgage

I filed a complaint with CFPB earlier and a person named " XXXX '' from Wells Fargo contacted me. 

Complaint # XXXX He ensured that he will look further into the issue after I brought certain details to his attention. We agreed to have another discussion when we ended the call at XXXXXXXX XXXX EDT on XX/XX/year>. But, I'm surprised to see that he closed my complaint # XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I Sent dispute letter to validate XXXX accounts & Transunion responded with by saying " Verified '' without proper investigation & explanation how they verified those XXXX accounts. I went to check my credit report & it was still reporting incorrect information from the XXXX other credit bureau. I sent 2nd dispute letter on regarding XX/XX/2023 asking to reinvestigate accounts from 1st letter. I sent out a 2nd letter but unfortunately i forgot to take picture of it. I also send out on XX/XX/2023 a dispute letter for unauthorized inquiries pictures are listed down below. 

They did not respond in 30 days & dispute letters were sent certified mail with tracking number listed below in pictures.