23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received notification of an medical bill that was in collections from XXXX XXXX XXXX XXXX, located in XXXX, Texas in the amount of {$1300.00} for my XXXX XXXX Once received, I immediately reached out to the account manangement and advised them to send me the overall history of the accounts that was sent to TEK COLLECT. I advised a young lady by the name of XXXX that this was extremely grueling to receive a collection notice from the hospital knowing that the XXXX was performed without my consent and that I would appreciate a call from management. 

I advised that I was aware of the No Surprise Care Act being that both of my pets were approved via my doctor. I also advised, that I was aware that the hospital is a XXXX and have a charity fund that assists patients. After no reponse, I sent an additional email stating that the last bill I received reflected XXXX balance however after requesting to speak with a doctor and no response, I had to go through archived files to see any balance. The letter states that the balance owed was done in error leading to the balance of {$310.00}. The next sentence states the balance was {$170.00} stating the payment did not go through. I advised that their facility will ot perform any service unless payment is available and they always charge XXXX percent over the cost for any service in case it costs more. 

After advising the hospital of this wronful act and the potential legal assistance, they reffered my account over to a collection agency on the XXXX of this month and TEK COLLECT immediately closed the account which violates the FCRA act. Under the FCRA act, the collection agency is obliged to contact you before reporting it to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX balance : - XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Checking or savings account

On XX/XX/XXXX of 2024 it was a Wednesday I had signed up for direct deposit with chime to have my husband 's paychecks from his job be deposited into my account I have talked to several Representatives some have told me nothing has been deposited or sent XXXX  chime. 

Then I have other Representatives that I've talked to both on the phone and in chat and they tell me it's in a manual review I don't know who to believe it is not my husband 's employer 's fault I have talked to them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX all the way up to XX/XX/XXXX XXXX of the representatives that told me the check was in a manual review her name was XXXX. The amount of the check that was supposed to be deposited was in the amount of {$550.00} the payroll for my husband 's employer is XXXX. 

My husband works for XXXXXXXX XXXX XXXX XXXX that they have throughout the United States the one that he has employed at is located in XXXX Indiana under the name of XXXX XXXX and the parent company is called United States mineral product company in XXXX New Jersey We have been in touch with my husband 's human resource department as well as payroll for XXXX and we have been told several times they even ran a Trace and it proved that the direct deposit was sent to the chime account. 

But chime claims nothing showed up and what's so frustrating is one minute they say they receive nothing and then the next someone says it's in a review so either the money is there or it isn't but one way or the other it's not helping us.
Product: Checking or savings account

Alliant Credit Union closed my checking/credit card account without any explanation.
Product: Debt collection

Calif check cashing charging 150 % interest on a loan I took outand I am XXXX and ca n't pay this ; no one said what the interestrate was. 
They keep calling me and my family and telling my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX bank card account # XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information.

15 US.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 man XXXX 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transactions arising from credit cards should not be included on a credit report. These disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This violationS 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666 ( b ), Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the XXXX XXXX XXXX 
Thank you for your time and help in this matter. 

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

Experian/XXXX  and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX 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

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 

XXXX. Wrong Date of Birth : NONE My Date of Birth is : XX/XX/1971 XXXX Employers : - Wrong Employers XXXX : XXXX XXXX  XXXX XXXX Employers XXXX : XXXX XXXX My employers is XXXX XXXX XXXX XXXX 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX appears on my Transunion twice, once with XXXX and once with XXXX That is the same account appearing on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called all 3 credit bureaus ( Experian, XXXX, XXXX ) yesterday to check the status of my disputes for items that were inaccurate and needed to be remove. I mailed in on XX/XX/XXXX I spoke to each agency who advise me that they haven't received any mail disputes from me since XXXX of XXXX. Which is a lie because I kept all of my receipts from my tracking numbers which when I tracked the disputes it showed that the dispute was received on XXXX XXXX that I mailed on XX/XX/XXXX. So they advise me that they haven't been receiving none of the dispute that I've mailed from last year as well as XXXX. They are just throwing away my disputes. These companies failed to operate according to the FCRA and never worked the disputes, the law states that account must be deleted. Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer 's request, disclose to the consumer information in the consumer 's file. According to the FCRA If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the 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 I will like for these items to be remove the credit bureas have failed to work the disputes that are being filed on my behalf. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer.

They have surpassed the 30 business days including the additional 15 days! It's a year late plus the dispute i sent on XX/XX/XXXX. The agent won't let me speak to supervisor. So I've attached the disputes mail from XX/XX/XXXX and also have XXXX available.
Product: Bank account or service

I deposited some money with Capital One 360 to try it out about a year ago. I called today to tell them to close the account and send me my pitiful account balance. I was told that I have to validate the test deposits before I can close my account and get my money back. So they had no problem taking my money in the XXXX place, but when I want it back I have to jump through hoops to get it. I have never heard of this process with any other institution. It is not about the money, it is about the stupid process to get my money back ... I thought they were " No Hassle ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Second written request in writing to Experian, 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 the first investigation. and I have have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails the last email was on XX/XX/2019 from the Experian credit bureau that the account have been updated and verified. with no proof of documentation. to the below accts 1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX   XXXX XXXX XXXX {$810.00} 3 ) XXXX XXXX XXXX XXXX {$970.00}
Product: Debt collection

LVNV funding have no record of this debt or validity of said debt it just appears on my credit report. Have put in a dispute with XXXX  via phone as I have paid any debts with any validity to them. I do not believe this is an actual debt owed by me. XXXX   XXXX
Product: Credit card or prepaid card

In XXXX American Express broke ties with XXXX so all of the green XXXX cards were cancelled and transferred to other accounts. When that happened we had to use our reward points which totally about XXXX. We chose XXXX XXXX gift cards so we could get carpet for our rental property. Upon finally deciding to use the cards it was discovered that they were totally blank. ( {$250.00} worth ). I was told that a nationwide issue was occurring with all XXXX XXXX gift cards and we would be sent replacements. This took several months meaning we had to pay cash for the carpet. The new gift cards finally arrived and upon going to use them, they were again blank. American Express membership rewards informed me that they had mailed the cards and then promptly deactivated them. I told them I no longer even needed the cards and they promised me a check for {$200.00} instead of the {$250.00} that the cards were worth. Weeks went by. When I finally called again, they told me they had closed the case because a check was sent. I have never received a check and now many months have gone by with still no check. I have made dozens of phone calls and have been promised, promised, promised but still no resolution. I have escalated this twice and have talked to supervisors. The last they told me was because the card has been closed over a year they ca n't do anything. I believe this whole thing has been a runaround to not honor my reward points. I 'm irritated and frustrated. I 've spent hours on this. I want my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2017 and XXXX i have an inquirys from one main financial that I need to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is discriminating against me as a XXXX XXXXXXXX XXXX and my Account ending in XXXX has not been updated on my Credit Report as " Settled '' within the Payment Status area to properly update the " algorithm data '' which calculates your Credit Score. The XXXX Account has been paid and Settled. 

I also contacted XXXX XXXX XXXX, XXXX on last week on or about XX/XX/22 who received and processed my payment for {$690.00} on XXXX and stated they notified XXXX to update my credit reports once the Payment had been processed. However, XXXX has not updated my XXXX Account or Equifax account.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My credit report includes late payment entries that are inaccurate and inconsistent with my payment history. I request these errors be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Equifax and to XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

Victim of " Refund Fraud ''. Chase Paymentech, credit card processor, online account was compromised with my credentials beginning XX/XX/XXXX - XX/XX/2024. The hacker executed 164 refunds from XXXX XXXX. XXXX XXXX processed 102 refunds only rejected 62 of the requested refunds. The 102 refunds that Chase Paymentech did process amount to {$26000.00}. Chase Paymentech officially has declined to refund the {$26000.00} the hacker was able to process from our online account before Chase Paymentech blocked the remaining refund requests. 

Discussion with Chase Paymentech fraud department representative results that our 16yr old account had no previous issues, therefore, the account had little oversite. Also, Chase Paymentech has new system with tighter security, however, our account had not been migrated to the new system. Consequently, we are a victim of being a good long-term customer. 

Communication has been intermitting since the XX/XX/XXXX first alert, each time being told " someone will call you in 5-7days, these things take time to research ''. 

A claim was made with XXXX XXXX, Texas Sherriff Department on XX/XX/2024 after lack of communication from Chase Paymentech.