23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last year I moved out of XXXX XXXX XXXX to XXXX, after being with XXXX XXXX XXXX for several years. I ported 5 out of the 6 numbers I had with XXXX XXXX XXXX, and I gave instructions to cancel the 6th line. To cancel the 6th line and port the other 5 lines I had to pay a balance for phone equipment financing and service charges, which I did, cant remember the exact amount but it was in and around {$1500.00}. A couple of months or so later XXXX XXXX XXXX called me to collect the service fee for usage on the 6th line. Two problems : 1. When I ported the 5 numbers I gave instructions to CANCEL the 6th line. 2. Even XXXX XXXX XXXX agrees that there was ZERO activities in voice and data on the 6th line since I cancel the number. They said that somehow the number wasnt canceled and I had to pay the charges until that day. It is not my fault they didnt cancel, I can not go inside their system and cancel it myself. I used to pay around {$400.00} for 6 lines and now they are trying to charge me {$390.00} for 1 line? This is a ripoff. They have all those notes on their system because a couple of weeks later they called me again and the representative read back to me all the notes that match the facts. They sent it to collection. When I got a call from collection I told them exactly what happened, but they didnt care about accuracy or fairness, all they wanted was to collect, so I suggested them to sue me in court. Yesterday XXXX XXXX XXXX call my daughter and told her about the debit and the amount. Is it legal? This morning he called my wife and told her that the debit is not YET in my credit report, however if I dont pay .... Is it legal? It is not about the money, its about principles. I do no owe this debit, I wont pay until until a judge says so based on the facts, not on brute force. Is there a way I could escrow this amount in court to show I dont have a financial problem but a moral one?
Product: Debt collection

I have a dental bill from XXXX XXXX XXXX in XXXX, UT from XX/XX/XXXX in the amount of {$460.00}. As directed by the dental office, I contacted my insurance company to address this as they thought I had double insurance. I received a claim number from my insurance company which I gave to the XXXX XXXX  to follow up on. 
I received another XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$450.00} ( the original amount of the bill ). 
I also have a statemnt from XXXX XXXX XXXX from XX/XX/XXXX, that states that I now owe {$710.00} for the dental bill. 
I disputed this collection to XXXX in XXXX because the dental services I received were covered by my insurance company. They allowed the collection to stay as it was. 
On XXXX XXXX, XXXX I learned that in XX/XX/XXXX, XXXX, XXXX, and XXXX announced that they would no longer report medical debts with an initial balance under {$500.00}. 
In XX/XX/XXXX, the XXXX bureaus announced that they would remove XXXX XXXX with initial balances of {$500.00} or less from consumer credit reports. 
I looked on my credit report and there was still a collection from the XXXX  bill, now being managed by a company called North American Recovery ( NAR ) in XXXX XXXX XXXX, UT. 
On XXXX XXXX, XXXX, I called XXXX and spoke with both XXXX and XXXX. I informed them that they were not in compliance with the CFPB as the XXXX  bill they were attempting to collect on had an initial amount under {$500.00} and that this should not even be on my credit report. 
They both said they were in compliance with the regulatory bodies that governed their actions, but that they would have the XXXX call me, though he hasn't called as of yet. 
On XX/XX/XXXX, I filed another dispute with XXXX and again, the results were that the debt would remain on my credit report. 
XXXX has specifically reported to the CRAs that " the original amount of this account was {$700.00} '' when it was actually {$450.00}. I explained this in the dispute with XXXX and provided statements to prove this but they are not understanding that this is a medical bill with an original balance was less than {$500.00} and this debt should never have been reported to the CRAs in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On Friday XX/XX/2020 My checking account had a positive balance of about XXXX or more. Then when I checked it at XXXX Saturday it showed negative $ XXXX Saturday XX/XX/XXXX I made a XXXX XXXX deposit and on Sunday XX/XX/XXXX Deposits in cash that were readily available that day for XXXX, and XXXX and at the beginning of Monday when the bank opened XX/XX/XXXX My account was in good standing. Regions did not pay these items so why is it they can charge me XXXX for 3 items when no money ever left my account. They say the items were returned.Returned? The bank had to do nothing. The bank did not send or handle any payments. They simply put those items in red and attached a XXXX XXXX fee to all 3. 

They reorded the transactions and took the highest one being XXXX from my balance of XXXX XXXX or XXXX something and that started the overdraft, then they went and add the smaller ones to add 2 more fees bringing to XXXX. 

If they would have used my balance to cover the 2 small items then i would have only 1 overdraft fee,. But greed seems to be the focus and 1 overdraft was not good enough they wanted all 3 so they took the largest debit first. 

I called and spoke to the rudest supervisor ( the calls are recorded ) I explained to her that I am on a stay home order and have not been able to make my usual XXXX while im down to 2 days a week. My expenses for XXXX left me with XXXX after they were paid and my rent was now due for XXXX. So that left me with XXXX til I got more work, Luckily I was able to email my customers and they prepaid me for future work so I could pay my bils and have some extra to live on til I can get back to work full time. This is an order from the president and I have no choice. But the Supervisor did not care. {$100.00} will feed me3 and put gas in the car to get to any work that may come in. 
This is what regions does and if you look on the FTCs website Regions has a 1 stqar rating but they don't care because they have billions in our money they take for NSF and overdraft fees. They are preditory in that they know who to take money from and they know they will get away with it. I want my money back.I need that money to live on. We may be on a stay at home order for a while and i will most likely have more NSF because of it. I did manage to get my pmts deferred for my auto loan and credit cards but regions wont let go of a chance to collect those profit NSF fees. This bank is a 1 star bank. and its because they treat the people who made them what they are like a piece of dirt,. They enjoy taking these fees and they laugh at us when we make thees complaints because they know they will win in the end. 

I want this XXXX returned. I have a 90 % loss in income and cant get any help from sba. they have not paid us a dime. REGIONS DID NOT LOSE ANYTHING .THEY DID NOT PAY ANYTHING FOR ME ALL THEY DID WAS RE ORDER THE DEBITS TO MAKE ME GO NSF 3 TIMES.
Product: Credit reporting or other personal consumer reports

Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes :
Product: Debt collection

After carefully reviewing my recent credit report, I noticed several accounts that appear to be inaccurate and were added without my authorization. I request that these fraudulent accounts be blocked and removed from my report.
Product: Credit card

American Express is DISCRIMINATORY. I'm a female, XXXX business owner. American Express approved me for a XXXX XXXX Credit Card for my business. After I started making charges on it, they SUSPENDED all of my Amex cards out of no where. DURING THE XXXXXXXX XXXX XXXXXXXX holiday weekend. I pay all of my CC bills in full and on time, never once in my life carried a balance. I have excellent credit. They did this because they're discriminatory and were worried I wouldn't pay my bill, even though my account history reflects perfect credit. 

They did this because they WANT people to default on their credit cards and carry high interest. In order to unsuspend my accounts, they demanded pay stubs, tax returns, business documents, etc. Like What the XXXX? Amex is NOT the XXXX. What a waste of my time. They are unprofessional, incompetent, and inefficient. Save your time, save your money, save yourself some stress and bank with a different institution like XXXX.
Product: Debt collection

They call at least 5 times per day. I have never received a detailed explanation of I owe a credit collection
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDR THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SE 715 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT IS MINE. PLEASE REMOVE THESE FRAUDLENT ACCOUNTS FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts from my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have accounts and related information blocked from my credit report if they are a result of fraud or unauthorized access to my personal data. 
Please remove the following accounts from my credit file : Accounts : XXXX XXXX XXXX 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 late XXXX a letter was sent to Experian with data asking for my free credit report. 
The letter was returned - unopened and refused. 
On XX/XX/2019 a second letter was sent at a cost of XXXX Baht and requires a signature to be received. I have heard nothing from Experian. 

It's obvious that they do not intend to honor federal law or even respond to me via a rejection letter. I encourage law enforcement to get involved. I have a right to get this credit report, and Experian doesn't even bother to answer.
Product: Credit reporting or other personal consumer reports

Between XXXX and XXXX of XXXX, I initiated multiple communication attempts with Equifax in an endeavor to rectify inaccuracies within my credit report. Regrettably, as of XX/XX/XXXX, my credit report remains inaccurate. Disturbingly, I have ascertained the existence of XXXX or more credit profiles associated with Equifax under my name. During XXXX, I diligently furnished Equifax with my driver 's license as supportive documentation, evidencing the inaccuracies present in my information. 

The repercussions of this persistent inaccuracy have manifested in manifold adversities. Firstly, my capacity to secure credit is impeded, as XXXX profile exhibits an absence of trade lines, while the other presents erroneous information. Furthermore, there exist items necessitating dispute, yet I find myself incapable of initiating the dispute process. Additionally, my access to the credit report itself is presently obstructed.
Product: Mortgage

The problem is that the loan I took out with USbank is an Installment loan. With no future advances. That the deed of trust that USBANK does not reflect this.
The Deed of trust that USBANK recorded says in clear english that I have line of credit. It also says that I can make future advances.
Even after USBank has reviewed this they still say they have done nothing wrong even the DEED OF TRUST and their letters are clearly are in conflict with each other.
I am Requesting that USBANK make an amendment to what they recorded to CLEARLY reflect that the loan I have is an INSTALLMENT LOAN.
This is needed because 5 different title companies have reviewed the current Deed OF Trust that USBANK sent to their title company to be recorded. All 5 of the title companies that I had review the Deed of Trust inturpeted the current recorded DEED OF TRUST to say that I have LINE OF CREDIT with future advances not an INSTALLMENT LOAN. All 5 companies state a letter from USBANK that says it is an installment loan does not change what they had recorded and all 5 companies said that could offer title insurance on the property with the loan recorded as and Installment loan.
As a result of USBANK interpetation of what they recorded and refusal to amend what they recorded to more clearly reflect that I have an installment loan has kept me from being able to get a Home Equity Loan and has cost me 5 months delay in getting a loan and has currently cost me .25 % on any loan that I will get. This quarter point will cost me {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX 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 XXXX is being reported as late payments on my accounts. It is against the law for them to be reporting that under the USC1666B Timing of payments. I would like them removed immediately.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VITIM OF ID THEFT, I DID NOT MAKE OR AUTHORIZE THIS ACCOUNT. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I refinanced my car through lending club and lending club used XXXX XXXX XXXX   as the lean holder. I signed all paperwork and they sent a pay off check to XXXX the original lender. With the refinance I was promised lower interest and payment. I received notification from lending club to stop paying my previous lender. About a moth later on XX/XX/2019. I went outside and my car was gone. After dealing with local authorities because I had no cue the car was up for repo come to find out. XXXX had the car repoed because the payment where behind. I had never been late on a payment until lending club told me to stop paying them. I called XXXX to find out exactly had happed and lending club send the pay off check {$700.00} short so XXXX did not cash it they held it. I then figured lending club would correct this issue and recover the car. No thats not at all what happened. After working my way up the chain of command what they chose to do was cancel the loan as if it was never issued and let me cover the repo cost. Well I can not afford the amount of money that XXXX wants for me to recover the car. I dont understand why no one sent a letter explaining the shortage of the payoff check and I could have paid the difference before it got to the point it is now. XXXX claims they sent a notice of repo but I never seen anything. They both claimed to have called but no voice mails left and I receive 50 calls a day for telemarketers so I cant possibly answer the phone every time I dont recognize the number. I feel that lending club should have paid off the difference and just modified the condition of the loan to include the new amount. Now my car is going to be sold off in some auction. Please help me before that happens I am also seeking legal counsel and hopefully can also repair the damage they have done to my credit as well.
Product: Debt collection

The company is passed validation period of 30 days to validate and or verify the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times. The collector is using a letter and statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from disputes and my attempts to have this debt verified and validated. I also have attached my Validation letter dated XX/XX/2020, again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3.  The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached