23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Express Recovery Utah represented by XXXX XXXX XXXX is trying to collect on medical debt from the XXXX XXXX XXXX XXXX. They illegally obtained personal medical history to include medical procedures and medication on the billing. This personal medical information contained several errors and duplicate charges. I brought these errors to the attention of the attorney with no change to reporing, collections or lawsuit. XXXX XXXX XXXX XXXX XXXX is subsidized by the State and the State finance division has already garnished funds on behalf of the hospital also the State is the  authorized collector of this debt per uca XXXX. I contacted the State finance to take care of debt and they referred me back to the university of Utah hospital, the hospital stated that as of XXXX my current bill was XXXX. This information was made aware to attorney for express recovery in discovery and still no change in processing with lawsuit or amount they are seeking. Express recovery has violated hippa by not safeguarding personal medical information by including more than my name contact information, acct # and amount owed.
Product: Credit reporting

In XX/XX/XXXX and XX/XX/XXXX somebody was using my social security number. I use to have XXXX negative accounts, and I disputed all accounts and my fico score use to be XXXX with Experian and now I have XXXX negative accounts with Experian and my fico score is XXXX. And I want your help to bring my fico score higher. Also, I was a victim of identity theft. And this year I bought a house and my fico score with XXXX credit vural, and my fico score is XXXX. XXXX credit vural is XXXX, and with Experian credit vural is still very low at XXXX. XXXX XXXX XXXX XXXX
Product: Student loan

I have been trying to reestablish automatic payments for this particular instance for three months now. Every time I call them, they would take my checking account number and my XXXX routing number but then the next month I would get a notice that I was late in payment and then I had accrued late charges. They do not like it when I ask them questions about why this is happening. This time I found out that my checking account number has been arbitrarily placed upon an invalid account number list. Now I have used this account to make payments on my loans for over 15 years. Maybe even 20 years. I asked them why they put my account on an invalid account list and they could not tell me why but they told me the only way that I could use this account would be to go to my bank and get a written letter stating that my account number is valid. Now just to point out the ridiculousness of this I could get a piece of stationary and put an image of the bank on my piece of paper and then write that my account number is valid and just sign it with somebody else 's name and they would take that. They told me to fax or snail mail the letter into them or download it on their site. But the factory XXXX did an order for me to bring my account valid. I have to agree to a set of terms with Navient that state that I agree to all the late charges and the accrued interest that has resulted from their error. I think that is wrong and it has over the years resulted in over {$5000.00} of late payment fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters certified mail XX/XX/2022 and XX/XX/2022 asking for an investigation done on incorrect items on my credit report to all three credit bureaus. not one did anything until the 3rd certified lettered on XX/XX/2022 at which Transunion simply said everything was updated without giving any information after 3 months and XXXX said that account in charged off that are paid will remain on the credit report for 7 years, so they didn't do an investigation after 3 months. XXXX never replied.
Product: Debt collection

I have received a minimum of one call if not more every single day for over a year despite not engage or interacting.
Product: Checking or savings account

date- XX/XX/21 amount- XXXX Ive contacted and requested the bank to release the funds as I saw and as its visible to them even the other person attached to my account also deposited XXXX XXXX checks from the same person to their personal account with XXXX as well and they released their funds. Its clearly not fraud if you just investigate for 10 minutes as I get the check from the same person the same time every year. 
I was cordial and understanding its even recorded in the online chat and the phone call I recorded. And the next actions the bank took was to freeze my account and take my direct deposit paycheck from my employer as well. They have taken my rightfully earned wages and is actively damaging my livelihood and have denied me communication and have refused to cooperate and resolve the issue theyve created.
Product: Debt collection

During the middle of XX/XX/XXXX I was served with paperwork from Midland Credit Management under mine and my wifes name for a debt I was never listed on, we never received any notification by mail or phone that the collection agency had purchased the debt, the phone number they had on file has never changed, my wife still has the number they have on file. I called them to find out what was going on and first they said they couldnt discuss it with me and I informed them at the time they listed more on the lawsuit, the option of not dealing with me went out the window. They claimed it wasnt my debt so they couldnt discuss, I told them if its not my debt, why am I named on the suit? 

I then asked them when they bought the debt, they said XX/XX/XXXX, I asked what address do you have on file and they verified it was our current address, I then asked why they didnt notify my wife they bought the debt and they said they wasnt required to. 

I then asked if you bought the debt in XX/XX/XXXX and have our current address, why did you file in a different county? The first response was it was suppose to be filed in XXXX county. Then changed to we can file in any county in your state I said so you can have us served and if we dont have transportation to make it to that venue then we cant fight it, he said thats not our problem, we just need a judgment. 

Now they expect me to sign a form to claim the debt as mine as well, Im not signing any forms. 

Seems to be unfair collection tactics, Midland rather get a judgment than deal with a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to get alerts that said that I had multiple lates with my Capital One Saks credit card. I contacted Capital One to get more information and to figure out what the issue was. I had spoken to multiple reps to figure out the issue. The first two reps gave me completely different information. One said I had no 30 days past due and the second one said i did and the third one said that it was two lates ( XX/XX/XXXX and XX/XX/XXXX ). I printed out a copy of my credit report and the only late I saw was from XX/XX/XXXX and it was a 60 day late. I am uploading a report from my XXXX credit report where it shows what i am claiming. I also spoke to my bank where I make the payments from and they suggested i provide proof of all my payments which i did. At this point I am very behind on a business project because I am not able to get additional funding due to this issue I'm having with Capital One. Evermore, I have never had any lates on any of my other 15 plus credit cards, ever! I pay all my accounts on time and I'm never behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that I have been dealing with since XXXX for 2021 without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. 

According to the last complaint Transunion requested a additional 60 days to review the dispute. They have yet to respond. It is past the 60 day mark. At this time I request removal of account # XXXX Attached are documents to support my claim.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate late payment information on my Equifax, XXXX and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with XXXX, Equifax, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my XXXX XXXX XXXX XXXX XXXX account ( XXXX XXXX is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 XXXX credit card payment inaccurate.
Product: Money transfer, virtual currency, or money service

I bought something over Paypal back in XX/XX/2018, i tried contacting the seller multiple times, over Email on XXXX, her shop and personal account and i tried to get answers from Paypal. But back In XXXX she told me it would be ready and shipped off soon, but eventually just stopped replying or answering my messages. And i never got my item.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting charge off every month which is really affecting my credit score. My rights have been violated due inaccuracy on my credit report. I am entitled to an accurate credit reports this creditor has violated my rights as a consumer. I would like this account deleted immediately. You cant report a charge off each month. The credit agencies has three different open account dates. It also shows different amounts across all three agencies. I disputed these accounts on XX/XX/10. All three agencies refused to complete a through investigation. I am not able to qualify for a home due to these inaccuracies hurting my account. By law the agencies are to ensure accurate information but failed to do so with my dispute date XX/XX/10. Please delete
Product: Vehicle loan or lease

On XX/XX/2020 I was divorced and in divorce decree my ex was awarded the XXXX XXXXXXXX XXXX and my name was to be removed. Toyota Financial was given a copy of divorce decree and asked to remove me as the secondary from truck. Toyota financial has refused to do so. Toyota financial calls at least every other month since XXXX of XXXX  asking for payment. I have told them that he is responsible for the vehicle and they have the paper work. Since they have refused to remove me from vehicle and continue to harass me for payment, due to him not making payments, I have requested several time to go repossess the vehicle. I have given them his address and phone number as well as told them exactly where the truck is parked. Toyota refuses to repossess the vehicle and is still reporting a delinquent payment monthly on my credit report. Toyota 's refusal to retrieve the vehicle and report a negative on my credit report has cost me employment opportunities due to continued delinquency on my ex husband.
Product: Debt collection

I received a civil complaint on XX/XX/XXXX stating I was being sued for a debt that was bought from a credit card I was told I previously owed on. This was this first and only communication I received from this company stating I owed this debt. They show in court documents a statement stating this account I previously had has a new home. I never received this information. The court documents say this prior account was purchased on XX/XX/XXXX. The amount they claim I owe is {$2100.00}. I have never received any mail, phone call, or documentation stating I owed this company money prior to the lawsuit. In the three years they have had this account no documentation was sent to me.
Product: Money transfer, virtual currency, or money service

I have been defrauded by an individual that hacked my XXXX account and had access to my usernames and passwords. The scammer had developed a fake profile XXXX XXXX and connected with me since XX/XX/XXXX. Through lies and deceptions, this individual established a romantic relationship with me and gained my trust. Before I knew it, he requested urgent financial assistance to settle bills because of the nature of his job and promised to pay back the money transferred to his several accounts via XXXX XXXX XXXX transfers and also hacked into my accounts including social media and bank accounts. The transactions through XXXX was funded from my chase account and were {$500.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX without my knowledge. 
I also was coerced to send cryptocurrencies totaling {$35000.00} to this individual through several deposits to crypto wallets. some of the transactions are XX/XX/XXXX : {$1000.00} transferred through XXXX XXXX XXXX 
These are just are few of the transactions. The scammer gained access to my credit information and attempted to set up a line of credit which was denied because I had a freeze on my credit. 
Finally, he attempted paying me back in XX/XX/XXXX but the XXXX check sent was a bounced check. The fraudster has now resorted to blackmail and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I have refused to pay up. 
I have disputed the charges with Chase bank but the dispute was denied in favor of the scammer/fraudster.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I requested a business address be used once for a certain piece of correspondence during the refinance. I explicitly told the loan officer that I did not own that address and that it is to be removed from his records immediately after that phase of the refinance. 

I called in to customer service when I discovered that address on my credit report. After repeated complaints they finally opened a research inquiry. I received a canned response tonight stating it was closed without further action, as it didnt include a police report. 

I am frustrated I must involve the federal government in what should be a straightforward correction.
Product: Consumer Loan

While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry conducted by BANK OF AMERICA on XXXX/XXXX/2016. I did not authorize any employee of BOA to review my report for any purpose at any time. Further I personally contacted BOA and requested to be provided any signed written document on my part authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my civil rights under FCRA and PRIVACT RIGHTS. As a direct result I have continued to suffer irreparable economic loss, including but not limited to inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BOA staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or resolved
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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
Product: Credit card

No Accurate information No missed Payment / Removed negative mark Damage my Fair Credit Rights to access a best opportunities and Competitive Rates TransUnion and XXXX Remove any negative mark from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit.
The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries.
If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.
Product: Debt collection

Dear Pro Collect, What happen to my debt validation regarding the account listed below? 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent you a debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. They law is clear on this issue ; you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 
In addition, Im asking your company to cease all communication with me via phone and mail except for advising me that you will be deleting the above account from my credit report. Here is what you must do within 10 days or I will be talking with an attorney to force my rights under the FDCPA and the FCRA. 
Instructions : ( 1 ). Deleted the above account from my credit report within 10 days from today.

( 2 ). Cease all communication with my by phone and by mail.

( 3 ). Stop all collection activity on this account as I consider this matter closed.

( 4 ). Send me a check for {$1000.00} for violation of the FDCRA.

If none above items are met, I will escalate this matter.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM TO BE IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE SST ACCOUNTS : XXXX. SST - # XXXX XXXX. SST - # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against CASHAPP ( Block , INC ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CASH APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX DBA XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions