23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX at XXXX XXXX Medical Center on XX/XX/XXXX. I received my first bill the end of XXXX XXXX after which I called them and explained that I am only receiving {$320.00} a week on unemployment ( ended in XXXX ) and would need to make monthly payments until the bill was paid off. Since that phone call interaction I have made the following payments. 

XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} I received a collection letter dated XX/XX/XXXX after which I contacted XXXX XXXX again and told them I was continuing to send them payments as agreed to earlier and did not understand why I would be sent to collections. 

Today when I got my mail, XXXX XXXX has returned my XXXX payment stating they are no longer handling my account. This seems illegal since I was making an honest effort to pay the debt. 

I have not received any further correspondence from the collection agency and my XXXX payment is not shown on the XXXX collection agency letter and was not returned to me so XXXX XXXX must have excepted it but did not apply it to my outstanding debt. 

XX/XX/XXXX XXXX XXXX amount due {$2000.00} XX/XX/XXXX CBCS Collections amount due {$2000.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the reporting of my payment history to the credit bureaus ( Experian, XXXX, and XXXX ). 

I have consistently made on-time payments on my accounts, including my loan with XXXX, XXXX, and my credit cards. However, it appears that my payment history is not being accurately reflected on my credit reports, and as a result, my credit score has not increased as expected.

If necessary, I am happy to provide documentation, such as payment confirmations, to assist with resolving this matter. 


Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 XXXXXX/XX/2021
Product: Money transfer, virtual currency, or money service

To my understanding, when I signed up for an Apple Card in an Apple store, Apple automatically setup the account to be both paperless and to go to the email that is my AppleID. I don't use this email as anything but my Apple ID. That said, I payed off my account for that original purchase of an ipad in late 2019. Then sometime  before XXXX the Apple Card became the default card for itunes/app store payments - it's unclear to me how - maybe automatically when the previous credit card expired? This lead to two unaccounted for app purchases for {$13.00} ( likely my 6yo daughter ) in XXXX not being realized until XXXX. While the Apple Card is supposed to be managed in the mobile device, I got no notifications or warnings or physical mail or phone calls. Only the emails to an email address I don't monitor and don't recall choosing for the account. By then I had two late payments reported and my FICO score dropped 109 points. It's also too late to dispute the app purchases and charges. So I called Apple and they forgave the interest on the 13.72 but said they could not do anything about the late payment reports. The refunded interest  charges were {$0.00}, {$0.00}, {$0.00} and {$0.00}. I'm no lawyer, but it seems to me that two late payment reports on less than {$15.00}, with questionable and lazy business practices to make sure I'm aware as a customer, and get me with two late payment reports and a resulting credit drop of 109 points seems unfair, unwarranted, and  frankly far too punitive. I can obviously handle losing {$13.00} for the apps, but to impact my credit score to that degree and my ability to get a loan to buy a house with enough room to handle two parents  and XXXXyo all working and schooling from home, while parenting another XXXXyo child, in the middle of a pandemic. I'm upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I paid out the XXXX XXXX  XXXX XXXX credit card by Comenity Bank and closed it. months later they start sending me bills to pay and later reported me to collection, now Im getting non-stop calls and letters from XXXX XXXX XXXX.
Product: Debt collection

Convergent Outsourcing Inc never sent me anything in writing concerning a debt from XXXX. Furthermore they have been calling me numerous times on my personal mobile from a local number ( XXXX ) and they are located in Washington. I spoke with a representative and she informed me that the amount that Convergent Outsourcing was charging me an additional collection fee because my account was sent to collection. Lastly the representative express that they have a random automatic dialing system that calls me numerous times a day from a local number to increase the chances of speaking with me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX, and Experian are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes XXXX time status and responding with the correct information
Product: Payday loan, title loan, or personal loan

My payments were originally due on the XXXX of every month. I made my payment on XX/XX/XXXX and attempted to change my payment towards the XXXXXXXX XXXX of the month. The ONLY option was the date XX/XX/XXXX. Apparently I selected that date in error which made an additional payment due again on XX/XX/XXXX. I tried to call immediately and get it corrected it am unable to get it resolved and was told I would need to make double payments every month to prevent from being reported as late to the credit bureaus for the duration of the 36 month contract
Product: Credit reporting, credit repair services, or other personal consumer reports

the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new XXXX XXXX XXXX states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item 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 creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH XXXX   AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received two hard inquiries from COMENITYCAPITALXXXX that are less than 30 days apart. I've tried calling them multiple times, but every time I do, either no one picks up, or I receive the message that my information isn't in their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF ED/XXXX XXXXXXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, OHIO XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXUS DEPT OF ED/XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2022. I went directly to XXXX and paid them {$320.00}. XXXX took the payment and gave me a receipt showing account paid in full ( see attached receipt ) I contacted Convergent Outsourcing on XX/XX/2022 advising them that XXXX accepted the full payment and to cease reporting on my credit report as I have never had an account with Convergent Outsourcing. 
Today XX/XX/2022 Convergent has reported on my XXXX credit that the collection has been paid. Which I have never sent them any money, so how can they be reporting this erroneous information?
Product: Credit reporting

I can not dispute the issue with the credit reporting agencies, I went through the FTC to get my XXXX annual reports I received the first XXXX from Trans Union and begin to dispute an incorrect issue after that each of the agencies including Trans Union challenged my identity. Sense my identity was already accepted by the FTC and by the agencies in question this is obviously a move designed to prevent people from improving their credit scores or from challenging corrupt corporate practices. The last time I did this I went through the process with free credit report.com back in 2003 never got a credit report from them either same answer disputed identity. If I am accepted as me in advance at all the questions when the process starts I 'm still me when it finishes! This used to be called stonewalling and although it requires a specific law for each form I 'll bet this is illegal.
Product: Payday loan

On XX/XX/2016 a collection appeared on my XXXX credit report for midwest recovery sysyems for a balance of {$790.00}. This is not an expense I have incurred and I have receiced no paperwork on this matter.
Product: Checking or savings account

On Tuesday XX/XX/2020, JP Morgan Chase restricted my account due to unwarranted fraud. I am a XXXX XXXX and my XXXX check was being deposited into my checking account. I am a based in XXXX but I live in XXXX. Therefore XXXX has to issue my XXXX I spoke to someone at the branch and someone in the fraud department and advised what exactly was going on XX/XX/2020. That day I was told that they would close the account and send me the balance of {$1100.00}. I have called JP Morgan Chase several times about the funds in the closed account. The bank has been unresponsive and unhelpful after several attempts to obtain answers. I have not until this day received the funds that were in the closed account.
Product: Mortgage

There are 3 issues - 1. Bank of America increased our interest rate on our mortgage loan without adequate notification. If we had known that the interest rate was increasing, we would have paid off the loan earlier. It had been customary for Bank of America to call me directly via my Bank of America Financial Advisor in the past when any of the terms of my mortgage was changing. This did not occur and we were not timely aware of the increase in interest rate. We had asked Bank of America to reconsider the massive interest rate jump from 3 % to 8 %. This interest is now been charged for 3 months and appears excessive.

2. We asked for a pay off quote and received it via a complicated encryption. Upon figuring it out, we paid off the loan on Friday, XX/XX/XXXX for a total of {>= $1,000,000}. Despite the payment, we continued to receive collection notices including and through XX/XX/XXXX we received a collection email letter from Bank of America claiming that we are late and owe the mortgage payment for XXXX months. We called Bank of America today to inquire and to add salt to injury, were informed that the payment has not been applied to our account and hence continues to accrue interest. 
We requested that the payment be applied retroactive to XX/XX/XXXX. 

XXXX. Bank of America has chosen to delay their communications and review of our account and as a result, forced the account to continue to accrue interest. Hence, Bank of America continues to earn interest via delay tactics and on a notice that was not properly communicated. 

All of that interest should be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account balance was paid in full on XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on my credit report in the public record section and it is flawed with inaccuracies. I have disputed it several times and this credit bureaus keeps saying its verified. I even had the court send me a survey stating that they don't verify information with the credit bureaus. I don't know what else to do.. I can upload all the documents
Product: Debt collection

Delete the accounts now I never owed these debts, and reporting them without my consent is unacceptable. I provided my new address, yet the debtors quoted my old one when contacted. Your non-compliance is unacceptable, and I demand an immediate resolution. Comply promptly, or I'll take further action.
Product: Debt collection

I called the original hospital ( XXXX  XXXX aka XXXX XXXX ) where I was seen in XX/XX/XXXXand I asked why all of these bill collectors had been trying to collect balances from me. They informed me there was nothing owed.

The company trying to collect a debt not owed is Commonwealth Financial Services , Inc. for the amount of {$100.00} which was purchased from XXXX XXXX XXXX. 

I called the VA because I am a permanently and totally XXXX veteran and asked why is this hospital/debt collector trying to collect. They stated that because this company has listed themselves as a law agency they can not communicate with them.

The Florida hospital even went on to state that they do not use this credit collector as they have their own in-house collections.They do not know who this collector is.

I do not owe this debt, and I have been fighting with the credit bureaus to take it off but the keep selling this this debt and renewing it on my credit report.

I am asking kindly for someone to help me as I do not know what else to do, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX : XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/24 Last XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Dear JPMCB Auto Finance, I am writing to dispute inaccurate information regarding an auto loan that is currently listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX ] - **Creditor** : JPMCB Auto Finance - XXXX*Type of DiscrepancyXXXX : Inaccurate Auto Loan Information Upon reviewing my credit report, I found that the above-referenced auto loan account contains incorrect information. Specifically, [ explain the discrepancy, such as incorrect payment history, inaccurate balance, incorrect account status, etc. ] In compliance with the FCRA, I request that you investigate this matter and remove or correct the inaccurate information regarding this auto loan on my credit report. Please complete this investigation within the required 30-day period and provide me with the results of your investigation. 

Additionally, I ask that you notify the creditor of my dispute and ensure that they cease reporting the inaccurate information. Under the FCRA, it is required that all information reported to credit bureaus is accurate and verifiable. 

For your reference, my personal information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24 Last XXXX XXXX XXXX Thank you for your prompt attention to this matter. Please confirm once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

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

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have my right to privacy 15 U.S.C 1681 section 604 A sectition 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with XXXX  and Transunion to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for 2019. 

XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX