23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Over five years ago a physician spent 5 minutes diagnosing an XXXX in the XXXX, for which he charged {$5000.00}. The " analysis '' also proved to be incorrect -- a XXXX existed that he did not " find. '' When I disputed the amount and the result, he said that he spent a long time in school and deserved the outrageous charge, and denied the misdiagnosis despite the fact that subsequent XXXX resulted in XXXX and a prolonged recovery. The insurance company subsequently paid him several hundred dollars and he sent me a bill for the co-payment. The remainder of the {$5000.00} charge was likely written off as " bad debt '' on his tax return.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX. These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX XXXX  and XXXX XXXX  EST. Dont send any usps, ups, fedex or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX
Product: Credit card

I applied for XXXX XXXX credit card a few times, last of which was on XX/XX/XXXX. After I submitted my application, like the past few times, I was asked to upload my ID which I did. Like past few times the application was declined and the reason provided in an email was " Unable to verify identification information ''. I had contacted the phone line they provided in the email and the agent do not have any additional information to provide beyond the single sentence reason provided in the email, which doesn't make sense to begin with. 
I assume the system they have for ID verification is not a scam and works for the purpose of verifying IDs. If that's the case, then it is incomprehensible to me what is specific to my ID that they can not verify it, and they can not offer any alternative to whatever procedure they use for ID verification.
Product: Credit card or prepaid card

I had an interest bearing account and a non interest account. I had been paying {$250.00} a month on the special account, So when the interest account came on I sent {$350.00}. They applied all of the money on the interest account and nothing on the other account. When I inquired why. They said the government required them to do that. That would put my other account to go into default. So I sent {$1500.00} to pay both accounts in full. This was in XXXX, XXXX. The special account was requires to complete in XX/XX/XXXX.Well they paid the interest account in full. And there was a balance of {$680.00} more than enough to pay the special account before the XXXX end date. They applied this money to a new interest free account not due until XXXX. I am asking for help because the customer service sent me the rules they follow from the government. It states that the interest account must be paid first and then any monies left should be applied to the special account that is within two months of completion. The customer service Mgr. completed the fix and sent it to the next level. This must be someone in XXXX because they erased what the Mgr. did for me and made it worse. I need help. I can not call customer service ant more. I get XXXX who does not understand.
Product: Debt collection

First, let me say the 3 choices don't apply, but I selected " didn't send enough information to verify debt '', though that's not accurate. 
On XX/XX/XXXX, I signed on to a promo offer from XXXX XXXX for a " free '' 5G phone. As part of the offer I had to pay approximately {$61.00}, via credit card. 
I didn't know it then, but the terms didn't allow me to switch to a prepaid account with data, but rather, stay in my talk-and-text-only account for 24 months. I previously used a XXXX feature phone in my XXXX XXXX account, without data. I proposed to XXXX XXXX that they allow me to switch into a prepaid account with data, but they declined. 
After 2 months I concluded that I couldn't take 2 years of no-data with a XXXX phone, figured I'd have to eat the full price of the phone and move on. On XX/XX/XXXX, I went to a XXXX XXXX store at XXXX XXXX XXXX XXXX, XXXX, and asked for a bill to pay for the phone on the spot. I dealt with the store manager, XXXX, who, after some time at a terminal, told me I'd have to wait 24 hours for a " final '' bill. I gave him my contact info but didn't hear from him. Two days passed, so I called XXXX XXXX Customer Service and requested a bill for the device : the rep told me it would take 40 days to get a bill to me.Ridiculous, I thought. ( I had dropped the talk-and-text-only plan on XXXX XXXX. ) Early in XX/XX/XXXX, I received a notice from Receivables Performance Management LLC, a collection agency with address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX, attempting to collect on the device. I requested validation while disputing the amount. In its validation letter, it claims that XXXX XXXX sent out a statement on XX/XX/XXXX. I never received any statement from XXXX XXXX. 
Meantime I have been unable to use the 5G device because it's locked, and have spent money with another carrier to keep from losing the number. 

My complaint is that XXXX XXXX wouldn't allow me to pay for the phone when I tried to pay for it, and that the account shouldn't have been sent to collection, with possible damage to my XXXX  score. My score was high for much of XXXX ( XXXX ), and remained high a few days ago. I just received ( XX/XX/XXXX ) the collection agency 's response to my validation letter. My readings suggest that it can now fire at will. 
I suspect that if the collection agency is acting as a third party, it will have no ability to unlock the device, and I'll be stuck with an expensive paperweight because XXXX XXXX won't do anything to address it.
Product: Money transfer, virtual currency, or money service

after receiving {$1800.00} into my XXXX account it was suspended. i have reached out via email as they state that is the only way to communicate with them concerning this matter and i have not had any contact. this money is for a very time sensitive payment
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus are reporting inaccurate information XXXX, XXXX and Transunion
Product: Credit reporting or other personal consumer reports

To Whom this may concern, Dear Sir or Madam : I am writing to dispute This fraudulent charge on my account by -XXXX XXXX XXXX in the amount of {$2300.00} OPENED ( XX/XX/year> ) I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

Enclosed are copies of My ID, POLICE REPORT, FTC REPORT, AND FCRA 605B supporting my position. Please investigate this matter and correct the billing error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX hard inquires on my credit report. However, I was incarcerated during these times so I did not apply for any type of credit. I asked to dispute then and was told to contact the ftc.gov website. There were XXXX collections for services received during my incarceration as well. All XXXX XXXX are to be covered by the state. These should not be on my credit either. They removed one for {$61.00} but not the other.
Product: Credit card

GOLDMAN SACHS BANK USA Still haven't help me to make a financial hardship Plan with affordable monthly payment instead and freeze interest and closing the card insteeadthey mislead to Miss the payments and lower my credit score. Is the only credit company keeps mislead and not working with me during the financial crisis i am Having. Instead keep increasing interest and min payment and replying to my complaint via here with false information.
Product: Debt collection

XXXX XXXX XXXX XXXX billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.
Product: Checking or savings account

I deposited checks based the timeline Usaa bank provided, ( most of the funds were made available immediately, the balance was to be made available XXXX business days later. ) I made payments from my account which then bounced. Further inquiry showed that the bank placed my checks on hold entirely ( deviating from what they conveyed originally ). 
They now have a hold on my account and deposits .they refuse to give a timeframe or disclose if and when the funds will be made available. 

Meanwhile the checks have already cleared the writer 's banking institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Self Financial, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Product: Debt collection

I am in the process of getting approved for a mortgage and was advised I had a collection on my credit report for LJ Ross. I have lived in Texas for almost 4 years now and have never received any notification regarding this bill. When I moved all mail from the post office was set to be forwarded to XXXX XXXX XXXX XXXX XXXX Texas XXXX and then all mailed was forwarded to XXXX XXXX XXXX XXXX Tx, XXXX, all of which are documented with the USPS. Throughout this time I have not changed my phone number from the XXXX. I sent a letter certified to LJ Ross and to date I have not received any response at all. I am requesting that this be removed as I did not receive any notification regarding this and I did not receive anything to have in the mail to give me the right to dispute or have validate this bill. This company has valilated my consumer rights at this point. I have attached the letter I sent and the information saying they received my letter.
Product: Credit card or prepaid card

Purchased a XXXX smart watch on XXXX XXXX, 2020 for the amount of {$470.00} in Best Buy and returned the smart watch in the store on XXXX XXXX, 2020. 

The amount ( {$470.00} ) was not credited back to the original credit card. 

Attempted resolve this matter since XXXX and the fund of {$470.00} hasn't been issued.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my credit report and noticed that some information is incomplete, outdated, and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. The following accounts are not complete and accurate : 1. **Account Holder : ** XXXXXXXX XXXX  XXXX XXXX - XXXXXXXX XXXX  **Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status, wrong account number XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXXXXXX Number : XXXX **Issue : ** incorrect balance, incorrect payment status XXXX. **Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX : ** incorrect balance, incorrect payment status Furthermore, according to 15 USC 1681s-2, 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. Given these discrepancies, I request that an investigation be conducted and that the inaccurate information be corrected or removed from my credit report promptly. I trust that your procedures will ensure the maximum possible accuracy of my credit information as required by the FCRA. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

They withdrew the {$85.00} for XXXX payment on the XXXX of XXXX, Sent me a letter stating they had not received payment around XX/XX/XXXX. On XXXX statement they then said they received the payment on XX/XX/XXXX but had charged me extra interest of {$2.00}. I have been fighting with them to get this corrected with no avail. I have stated repeatedly i will only talk to their legal department at this point and they continue to call me. What has been committed here is both Fraud and breach of Contract so I  refuse to pay any more on this loan do to the lack of listening and harassment of phone calls late at night on weekdays and early mornings on Weekends.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX -- account reported without proper validation of debt. 



Violation of FCRA.
Product: Credit card or prepaid card

This complaint concerns a dispute in the amount of {$4700.00} with XXXX XXXX. Citi bank refused continuing arbitration for the full amount of the billing dispute claiming that required second opinion letter was submitted late : " Because we did not receive the requested documentation until after our second request for credit was submitted, we are unable to assist further with the remaining {$2700.00}. '' This claim is incorrect. As can be seen in attached document titled " Request for second opinion and response '', the deadline for the letter was XX/XX/2019 and the second opinion letter was received by Citi bank on XX/XX/2019 at XXXX according to the time stamp. The letter was scanned on XX/XX/2019, as can be seen in the receipt and confirmed by a phone representative, but this was not something in my control. The letter was sent on the day of the deadline, Monday, because Citi gave me just 5 business days to obtain the letter as it took the bank more than 20 days to process merchant 's response despite Citi promised to do it in 10. The fact is Citi Bank did not honor their own deadline. 


Thanks, XXXX XXXX XXXX, XXXX, XXXX
Product: Debt collection

XXXX XXXX XXXX is requesting payment in full on Account Number XXXX, in the amount of {$4600.00} for a XXXX online course. ( Please see the letter dated XX/XX/2019 attached. ) This course was paid for from my FSA loan and therefore there is no outstanding debt owed. This collection is in error. I have contacted XXXX  XXXX, XXXX to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The private XXXX loan on all three of my credit reports XXXX XXXX, two of them, were taken out as indicated in XXXX. I graduated in XXXX. I filed bankruptcy in XXXX which was awarded in XXXX and they were included. They are private not federal so the discharge was granted. They were sent a copy of the discharge and initially removed this from my report. The co signer XXXX XXXX passed away in XXXX. Shortly after than it appeared, then disappeared, and has reappeared again. This was discharged in a bankruptcy in XXXX, it is a debt that is over 13 years old, and should not be on my report. This is NOT a federal XXXX loan, it is a PRIVATE loan.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- TRANSUNION -- XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXXXXXXBalance : {$2100.00} ; XXXX XXXX Bankruptcy : Discharged Date XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Balance : {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

On XX/XX/2019, I applied for the CapitalOne Quicksilver card. The offer included a {$150.00} bonus if I spent {$1000.00} in 3 billing cycles. I used the online application. The online site returned a decision that I did not qualify for the card with the bonus, but I qualified for the same card without the bonus. Today, I received a letter from CapitalOne explaining that they denied me credit based on my credit report. How can this be? They denied me the CapitalOne Quicksilver card with the bonus, but offered me the card without the bonus. I don't think the 3 credit reporting agencies issue the credit report based on whether or not a company will give you a bonus. This is a bait-and-switch situation.