23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I had a paraesophageal ( type XXXX XXXX XXXXXXXX XXXX XXXX XXXX done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received a bill or breakdown of services for this XXXXXXXX XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX, I had a XXXX XXXX XXXX XXXX XXXX done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received a bill or breakdown of services for this XXXX from XXXX XXXX. 

Still waiting for a bill from XXXX XXXX, I logged into my online XXXXXXXX XXXX XXXXl and I noticed a " Past Due '' balance, so I immediately paid {$400.00} on XX/XX/XXXX, {$300.00} on XX/XX/XXXX, and {$300.00} on XX/XX/XXXX. To date, I have never received a bill for any of this from XXXX XXXX, nor have I ever been able to contact them via phone to make payment arrangements as there were long wait times or I kept getting disconnected. 

I received a letter from a collection agency ( I.C. System Inc. ) on XX/XX/XXXX notifying me that XXXX XXXX has turned my account over to this collection agency - even though I've been making payments.
Product: Debt collection

Threatens to collect the debt using XXXX fraud department tactics and possibly legal action or XXXX without debt credit card collection practices, before revealing it to the consumer. Using letters and unable to identify my person and asking to send without faxes my personal social security card license and other forms of identity. Without good reason or cause for harassment as if it is to protect the consul from creating too much unsecured debt.
Product: Credit card

Was notified of a hard inquiry report from my credit bureaus earlier this month for Capital One. Discovered someone successfully hacked my credit/SSN and got a Capital One credit card in my name and was getting a credit card shipped to my house. Capital One did fix the problem promptly but still want to report incident
Product: Credit card

To compensate me damages in XXXX dollars for falsifying response of denial when merchant XXXX XXXX refunded me.
Product: Money transfer, virtual currency, or money service

Tried to link bank account to Venmo account to transfer funds. Venmo asked for pictures of my ID and bank statements. I sent the requested information and the sent me an email saying my account was closed and that they were holding my funds for 180 days for a breach of XX/XX/XXXX. I asked what i did to breach the XX/XX/XXXXthey will not tell me.
Product: Debt collection

The original amount was allegedly from the XXXX XXXX, it's from XXXX of XXXX and was originally {$1100.00}. I did not owe this money and due to the age of the account the amount was disputed and successfully removed from my XXXX credit report in XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX responded by fraudulently increasing the amount to {$3300.00} and changing the origination date to XX/XX/XXXX. I have attempted to have this removed, attempted to contact the company directly without success. This money was not owed by me to begin with and has had a significant impact on my credit, as well as my life.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX Bank XXXX Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section XXXX of the Fair Credit Reporting Act ( FCRA ). 



Under Section XXXX, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., XXXX days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I Zelled {$190.00} dollars to my XXXX XXXXr after getting the number wrong and sending another {$190.00} to a random person. I called BOA immediately, they told me to make a claim and try contacting the person I sent it to. The person did not cooperate. I called the bank back to let them know. The only thing they told me is they would investigate further. I waited a whole month for them to tell me since the recipient/the recipient bank denied it, I couldnt get my money back and the claim was closed. I stated I had screenshots of the mistake, reaching out to the recipient and her response. BOA stated they didnt need my proof. There was no escalating or appealing this claim. I simply lost {$190.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft which I have proved numerous times and sent in my identity theft reports. The company fails to properly investigate the reports. We also have a litigation case which wa suppose to be fixed and I am still dealing with the same issues. Due to the company 's failure to properly investigate and correct these inaccuracies, I have suffered financial harm, including but not limited to : Denied Credit Opportunities : I have been denied credit or subjected to unfavorable terms based on inaccurate information. 
Emotional Distress : The ongoing inaccuracies have caused significant stress and inconvenience. 
Financial Losses : Higher interest rates and lost financial opportunities due to incorrect credit reporting.
Product: Student loan

When I was XXXX years old I thought it would be a great idea to go to a XXXX school. I found one in XXXX and before I knew it I had a loan with XXXX XXXX for {$20000.00}. What I did n't understand at XXXX were the terms of the loan. I 've been paying the loan for 10 years and my balance is still {$20000.00}. Looking at it now I see that my re-payment amount is {$75000.00}. So far all of my payments have gone to interest. {$75000.00} for a beauty school which I consider to be a scam seems insane. I pay over {$300.00} a month.I do believe I was a victim of predatory lending. The total payments so far already add up to far more than my original loan amount.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have submitted disputes to Experian over 12 times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that Experian has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX NA XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 



Experian can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries on my consumer report JPMC Card - XX/XX/year> JPMC Card - XX/XX/year> JPMC Card- XX/XX/year> JPMC Card XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today to find that my credit score recently dropped XXXX points because of a derogatory mark on my credit report from Equifax. 
First of all, I have a 100 % rating on making payments on a timely basis and I don't understand how any credit reporting company could suddenly drop a credit score XXXX points because of a negative mark of {$85.00} FROM 8 MONTHS AGO. That is excessive especially since other credit reporting companies never dropped that much. 
Second, I have no idea who XXXX XXXX XXXX is and the information they are providing is false. 
Third, I HAVE REPORTED THIS FALSE INFORMATION TO ALL 3 CREDIT REPORTING COMPANIES SEVERAL TIMES OVER THE YEARS AND IT HAS BEEN REPEATEDLY REMOVED BY ALL CREDIT REPORTING COMPANIES EXCEPT EQUIFAX AND XXXX but my credit score ahs n't been affected at all with XXXX. My efforts to dispute this negative mark with Equifax and XXXX has been futile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter asking Experian to investigate 4 items on my report. Experian updated and/or verified those said accounts. I sent follow up letters on XX/XX/XXXX & XX/XX/XXXX requesting that those same items not only be re-investigated, but also for them to provide me with the names, phone numbers, and addresses of whom verified those accounts. Both times, the results came back as verified and/or updated. I was never provided the information that I requested so that I could follow up with them myself. I sent my fourth and final letter on XX/XX/XXXX, stating that I plan to file a formal complaint with the FTC, XXXX, and CFPB. I later received an online notice stating Account previously in dispute - investigation complete, reported by data furnisher. Again, I have asked them on 2 separate occasions to provide me with whom they spoke with specifically to very those accounts. Furthermore, in each letter I requested the results to be sent to me via mail. Instead, I received email notifications to retrieve results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tax liens on my Consumer report with XXXX, XXXX and Equifax. I have contacted Equifax to disputa all tax liens, Equifax did an investigation and stated in a report the information was provided from XXXX and that XXXX verified the records as belonging to me. I contacted XXXX on XX/XX/XXXXand was told an investigation would be done and results sent to me. XX/XX/XXXX, XXXX Consumer Report XXXX case Number XXXX that states the XXXX XXXX XXXX in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted XXXX on XX/XX/XXXXand told XXXX that XXXX XXXX Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX XXXX Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to XXXX for the their review. Again, I was told that XXXX XXXX XXXX supplied the information, which XXXX XXXX XXXX, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}
Product: Mortgage

My homeowners insurance was not paid in a timely manner, as of today XXXXhas not been paid. I received a bill from XXXX yesterday XX/XX/21 indicating no payment received. 
I have an impound account with Flagstar mortgage. My renewal bill was due XX/XX/XXXX. Flagstar said that they received a bill on XX/XX/XXXX and paid the mortgage insurance through a check which could take up to 10 business days. 
XXXX has indicated they sent out two renewal letters to Flagstar. One dated XX/XX/XXXX and XX/XX/XXXX. 
XXXX has stated that they have not received a payment and that as of XX/XX/XXXX I do not have homeowners insurance as a result of the non-payment. 
I am forced to make a payment out of a credit card until they receive the payment. 
I have filed a complaint with Flagstar as they can not make a payment or expedite a payment. And I have filed a complaint with XXXX as they have not received a payment and therefore my account has lapsed. 
At this point my only option is to pay out of pocket on a credit card. I feel this is a discrepancy on both parties and I as the consumer are placed in the middle due to discrepancies. 
I do not want this to happen to others and so I feel I need to use my voice to at least have it documented. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of the complaint is to notify you that a case has been open with the Indiana State Attorney General office. As stated in previous correspondence my idenity was compromised and the following accounts below were opened in my name. I demand that these items be removed immediately. If not, I will pursue further legal action. I have included the case number and contact information below. 

Case # : XXXX Contact : XXXX 1. State XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by phone two or three times by Capital Accounts. They started each phone call off with an oddly long silence, followed by a very short and rude phone call. In my first call, they refused to identify who they were or why they were calling until I gave them personal information, which is not okay or legal to ask for. Next, they got extremely rude and hung up on me after muttering under their breath " Oh my XXXX, unbelievable '' after I informed the caller that I had no idea of any supposed medical bill debt. My most recent call they asked for my name and I asked who was calling first and what they were calling about, but they just hung up on me abruptly without answering. They also sent a letter that I received on XX/XX/2021 stating that i owe {$490.00}. This is not my debt and i don't owe any money for a dental bill.. This business runs like a scam, they are extremely rude for no reason. They have no manners, and I don't even know if they are legally operating. This is harassment. They should be investigated.
Product: Vehicle loan or lease

Ford Motor Credit reporting me as being 30 days past due on XX/XX/2019 when I turned in my vehicle on XX/XX/XXXX and even received an email from XXXX XXXX XXXX in XXXX that it was returned. How can this happen if I did everything right with my lease and returning the vehicle? You need to call XXXX XXXX at XXXX XXXX XXXX XXXX so you can see that this was returned properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a response from XXXX XXXX XXXX XXXX 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late. 

This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), XXXX XXXX XXXX XXXX ( XXXX ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to XXXX via wire transfer from our bank directly to the HELOC account. Post acquisition, a change in process occurred whereby XXXX would accept payment ONLY by a direct debit ( by XXXX ) from the checking account which was required by BOTW to have in order to have obtained the HELOC. 

At issue is that this direct debit from XXXX occurs at midnight on the XXXX of the month and only on XXXX of the month at midnight. It does not appear that XXXX verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus. 

Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the XXXX checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure XXXX pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus. 

I provided to XXXX credit dispute department confirmation that the wire was sent and received by XXXX within the first five business days of the due month.

I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. XXXX 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus. 

The XXXX actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score. 

I am requesting that XXXX correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by XXXX. 

Thank you.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : XXXX XXXX XXXX  XXXX XXXX. 
ACCOUNT # XXXX Amount : {$4500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student loan from Dept of Ed keeps saying Im 120 days past due and I am caught up. I have been working very hard. My husband has been in XXXX almost a year from XXXX XXXX, he was out of work for a year and a half and I lost a lot of time as I was his caregiver. I do not understand why my credit scores are not higher? We had to take a 2nd mortgage to pay off stuff. XXXX said they were paying off all my student loans and I did not realize they left 2 not paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information.