23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, There is a debt collection from the XXXX XXXX XXXX, wakefield & associates on my credit report.They changed their name to XXXX XXXX XXXX, wakefield & associates on my credit report for reasons I don't know.They claim i owe them the following : 1 ) {$770.00} for emergency service, open date XX/XX/XXXX initially {$770.00} 2 ) {$530.00} for emergency service, open date XX/XX/XXXX initially {$520.00} 3 ) {$530.00} for emergency service, open date XX/XX/XXXX initially {$520.00} 4 ) {$1200.00} for emergency service, open date XX/XX/XXXX initially {$1200.00} 5 ) {$580.00} for emergency service, open date XX/XX/XXXX initially {$580.00} They keep changing the amount of money they claim i owe them on my credit report.There was initially 7 debt collecions accounts on my credit report but 2 were deleted by XXXX after i filed for the 1st dispute.Those debt collections deleted were : 1 ) XXXX XXXX, XXXX XXXX {$760.00} for ambulance service open date XX/XX/XXXX 2 ) The XXXX XXXX XXXX, wakefield and associates {$110.00} for emergency service. 
They were paid for every visit and service they gave me by my insurance company ( XXXX XXXX-Medicaid ) .I contacted my insurance company about the issue and they promised to mail me payment receipts which i will then mail to XXXX so that they can delete the 5 remaining debt collecitons accounts on my credit report .They claim they were not paid by insurance, but that's a lie. I filed for a 2nd dispute but iam not sure if that will solve the issue.I will have to file for a 3rd dispute if XXXX  does not delete the remaining debt collections accounts on my credit report.Iam expecting the payment receipts from my insurance company within 30 days from now. These are people who are ruining my name and reputation so that they can jeopardize me.Here is their contact information as it appears on my credit report for the 5 remaining debt collection accounts, if you wish to contact them : XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX You can call my insurance company and ask them about the issue.You can contact me on XXXX or my email XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thos account was sold to me as a 0.01 % processing charge. This charge would be made on every credit card transaction that I made using any credit card. The service was also sold as a $ 0 monthly fee with no minimum cards process per month. There were no hidden charges. The only thing I would be charged would be 0.01 % and that would be for a month to month service and a {$0.00} cancelation fees. The sales representative clearly marked 0.01 % on all pages on the contract. Ther sales rep also crossed off any sections that did not apply to what he was selling ( 0.01 % processing ) the rep also crossed off the cancelation fee and put {$0.00} showing there was no cancellation fees or charge. If I was not satisfied I could cancel without any hassles. After receiving the equipment in the mail and using the processor for a few test runs over 1 month. I noticed I had minimum charges on my bank account for random amounts of {$50.00} to {$75.00}. Also notice the transaction fees were about 0.06 % - 0.08 % not what was advertised by the rep of 0.01 %. After contacting the company and advising them that I would be canceling the service. I was told their sales representatives are liked " used car salesman '' and they say whatever they can say to get the contract signed.O I advised this was fraudulent and inwould not pay. Ibwas told they had very clevar salesman techniques. I was also told I could settle my account for a minimum of {$2000.00} which I refused to. I was also told I could then settle my account for a minimum of {$1000.00} which I also refused to. The account representatives told me they would just send me to the collection and eventually they will get some type of funds from me. The name of this company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account with Comenity Capital Bank ( Merchant : XXXX XXXX  XXXX that I settled in full based on a settlement offer. The company offered me a reduced payoff amount, which I paid on XX/XX/year> of {$580.00}, and they confirmed that this payment would resolve the balance. XXXX XXXX XXXX was the address that emailed me of confirmation of paying off the debt. 

I understood that, in settling the account, this would conclude my obligations and that the record of this debt could be removed from my credit report. Despite this, the account still appears on my XXXX credit report, showing inaccurate and negative information that is affecting my credit score. I have tried resolving this directly with both XXXX and Comenity Capital Bank but the issue remains unresolved. My receipt number of the transaction is # XXXX. 

I am requesting that this account be removed entirely from my credit report, as the debt has been fully resolved per the settlement agreement. I appreciate any assistance the CFPB can provide to ensure the credit report accurately reflects that this debt has been settled and resolved.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX. XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/2021 To Whom It May Concern : I submitted a claim against a company that XXXX  me XXXX and XXXX my XXXX and the images sent were horrific. I expected my card company to stand by me and not allow fraudulent companies to profit and most certainly not profit during a pandemic while acting in bad service. 

I filed a dispute against XXXX for XXXX and XXXX my XXXX horrifically and not doing the procedure accurately for XXXX XXXX. I was not contacted for a follow-up or picture request. I've had to spend {$2000.00} fixing my XXXX  using my Barclaycard and XXXX XXXX. with XXXX XXXX. Is Barclay here to support the cardholder or bad companies who break customer choice and did not do a professional job and did not take any steps to rectify their mistake on my XXXX. I have called Barclay and sent a letter to disputes. The letter I received in the mail stated the cancellation agreement was broken and that was a LIE. I am disappointed and disgusted by Barclay 's handling of this. I have during the pandemic worked my XXXX off cleaning houses and making sure I keep my payments up to date and on time in large payments. I request via mail as well as the online message that this case be re-opened and re-addressed. The fee of {$240.00} be removed by my card company WILL NOT pay that company a dime. I went in person with a XXXX  and XXXX XXXX from their chemical mixture and the trauma I experienced is horrific and as bad as slavery if I am forced to pay this. I WILL NOT PAY THAT {$240.00} amount against that company and Barclay should be fighting for me. There was no missed appointment and they lied! I had hoped and still do that you will support me and uplift me as XXXX women all too often do not receive support nor do companies who purposefully abuse any customer get away with it. Please do not allow me to foot the bill for someone who did not safely administer nor did they when I came back in person give any options to remedy their bad actions. I had to go to another doctor with whom I have XXXX more appointments and have him repair my XXXX. Please stand by me. 

Thank you, XXXX XXXX Card ending XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding Regional Finance, account number XXXX and XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to Regional Finance. 

Upon information and belief, Regional Finance received notification of my credit bureau dispute. 

Regional Finance did not conduct an investigation, contact myself, contact third parties, or review underlying Account information with respect to the disputed information and the accuracy of the Regional Finance Account. 

Upon information and belief, Regional Finance failed to instruct the credit bureaus to remove the false information regarding the Regional Finance Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the Regional Finance Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did Regional Finance and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by Regional Finance rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the Regional Finance Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. these accounts were fraudulently obtained
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2018 Balance : {$3300.00}
Product: Checking or savings account

I requested my electricity bill be paid by my banks bill pay program in the amount of XXXX. XXXX XXXX  XXXX did not receive that check on time causing my power to be shut off. I requested a cancellation of this check but I was informed that the process can not be stop. XXXX has deposited this check twice causing XXXX separate over drafts on my account.
Product: Credit card or prepaid card

Hello, There is a serious problem with Synchrony bank. I had 7 different store cards and credit cards with Synchrony bank. They closed them suddenly in one day. Some of them had small balances and they reported to the credit report them as " settled amount. Please read the info below ; -I have XXXX credit score. Using Synchrony cards everyday since 2016 and pay full balance every month. 
-I never had any late payment with Synchrony or any other bank card, loans etc. Everything is on time. 
-I have a very clear credit report with only % 8 utilization that are always paid in full every month. 

2 days ago I woke up with bunch of emails. Synchrony closed all of my accounts for nothing. Called customer service and they were even confused why it is happened.

Amazon store card {$590.00} balance of {$20000.00} limit. 

Paypal Mastercard {$350.00} balance of {$20000.00} limit. 

XXXX XXXX {$1.00} balance of {$10.00} limit Synchrony car care {$1400.00} balance of {$10.00} limit XXXX XXXX XXXX {$0.00} balance of {$3500.00} limit Paypal credit $ XXXX of {$5000.00} limit XXXX card {$1200.00} balance of {$6000.00} limit ( They approved this card 2 days before closing all the accounts ) Now serious problem starts here ; Cards with balances reported to my credit reports as ''settled amount '' I've got an email from XXXX XXXX XXXX says ; " It looks like you settled an account with a lender. When you settle an account, you negotiate a lump-sum payment with your lender to pay back part of what you owe so that the rest is forgiven. '' For those balances statement not even closed yet. I did not even get the statements to pay the balances.

-I never wanted to close the accounts.

-I never attempted to not pay the balances or never attempted to negotiate for settlement. 

I always pay the full amount after they send me the statement. 

I really need an assist with this situation since it damaged my credit score so bad. I'm in the middle of renting a house and I can't right now. 
I've never ever experienced anything like this before. 

Thank you.
Product: Credit reporting or other personal consumer reports

I opened an credit card account with XXXX XXXX  on or about XX/XX/XXXX. I received an unauthorized charges on the the account in XX/XX/XXXX that I did not incur. I requested a reversal of the charges XXXX XXXX  stated they would would look into the issues. On or about XX/XX/XXXX charges began incurring on the account and I began making payment but not credits were being properly accessed to account. These problems continued with the account. In XXXX of XXXX I requested a payoff amount to initiate closure of the account, because I feared the problems with the account might eventually cause problems with my credit. XXXX XXXX  refused to close the account stating the account would have to be paid in full before closure. They sent me a payoff amount and I initiated payment in full and the payment was rejected. They started charging me late fees, over limit fees, return payment fees, and this continued until XXXX. As of to XXXX no charges were made to account and I have made numerous payments and they are continued XXXX XXXX  is claiming I have no legal recourse just have to deal with the problems. Credit reporting agencies are refusing the stop the negative reporting. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal information to hackers. This is proof that the company is incompetent and should NOT be allowed to store people 's sensitive information. I want Equifax to delete ALL of my data.
Product: Credit card or prepaid card

XXXX XXXX, Dispute charge for XXXX  to my XXXX Credit card ending in XXXX. Claim number XXXX Bank of America. 
I purchased a reservation for XXXX XXXX XXXX hotel through XXXX XXXX XXXX by phone ( Same owners ) of XXXX Go XXXX XXXX You will see in the document attached how they both charged me in different credit cards. 
On the XXXX of XXXX, I arrived in the XXXX with my family. To my surprise, the Hotel was supposedly reserved by XXXX XXXX and XXXX XXXX XXXX. Had not been paid but only reserved for a day and not a week as offered. So in order to stay I had to pay again or I would not have been able to stay. If you notice the attachment. I had already been charged on XX/XX/XXXX, {$XXXX} by XXXX XXXX and {$XXXX} by XXXX XXXX XXXX XXXX on my personal credit card ending in XXXX. I had no understanding of what had happened as the enterprises that sold me the package had already charged me. 
The hotel XXXX then made me aware that neither XXXX XXXX XXXX nor XXXX XXXX XXXX booked a reservation through them. Rather, that they had forged my name and booked the hotel through XXXX but had only paid the minimum deposit of {$XXXX}, which forced me to pay the following {$XXXX}, if my family and I decided to stay. 

I spent hours calling both companies, neither of which have made themselves responsible. So I had to pay the hotel and change all our flights to go back earlier from our vacation, as obviously we had been scammed as well as I called my credit Cards to cancel the payments. 

When I arrived back in XXXX I noticed that the company had done this scam to several people and that there were many complaints about it on the internet. 

Bank Of America, refunded me the charged amount but on XX/XX/XXXX they sent {$XXXX} back to the Merchant. Because the merchant sent them a letter saying that the merchant had told them that they provided me the service. I am attaching this letter where you can clearly see that they charged me without giving me the service. I hope that by analyzing the documents you will clearly see how the merchant pocket the money and didn't deliver my reservation in XXXX. XXXX holding did not render the service offered and they are not willing to provide a legit service but a well orchestrated Fraud. That cost me and my family to not only cut short our vacation, be stranded in XXXX but spend so much money paying the hotel as they did not and changing all out flights. 
I truly hope you will be able to see the fraud and support my position. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding inaccurate information on my credit report that the credit bureaus have refused to correct. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute incorrect, incomplete, or fraudulent information. 
I previously disputed the following accounts with [ XXXX ] XXXX but they failed to properly investigate and remove the inaccurate information : Disputed Accounts : [ Credit First NA ] [ XXXX ] Issue : Incorrect balance, Late payments reported incorrectly. 
[ XXXX ] [ XXXX ] [ Issue : Incorrect balance, Late payments reported incorrectly. 
[ XXXX ] XXXX [ XXXX ] - [ Issue : Incorrect balance, Late payments reported incorrectly. 
Despite my request, the credit bureau has not provided sufficient proof of verification and has continued to report inaccurate information. This is a direct violation of FCRA 611, which requires a fair investigation within XXXX days. 
I am requesting that CFPB investigate this matter and take appropriate action to ensure the removal of inaccurate items from my credit report. 
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with the collection agency XXXX XXXX XXXX  they did not provide me with the original contract as requested
Product: Credit reporting or other personal consumer reports

I was notified by XXXX XXXX that personal information had been compromised. I then contacted all three Credit bureaus of the situation. There are a string of delinquent credit cards on my history. I wrote letters asking each of them to review and remove said reports. They have not. These fraudulent charges are creating impossible hurdles for me to overcome. XXXX XXXX XXXX XXXX I dont know how much longer I have to live. I need this situation attended to. TRANSUNION, XXXX and XXXX. I need these accounts removed immediately. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in XXXX, XXXX, AND XXXX to be removed. 

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 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX XXXX, on XX/XX/2018 I wired {$80000.00}, XXXX to XXXX XXXX XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. I went to Wells Fargo to file a complaint, they suggest me to call their 800 number and talk to wire department. when I call them this morning they said they can not do anything because i don't own the account and they are not willing to put a note of suspicious activity with this on this account so no one can be harm again, because I have receive another email telling me wired it to different Wells Fargo account. # XXXX which does not belong to XXXX XXXX XXXX XXXX. They are kind of arrogant first they accept wired money which name and account does not match, yet they don't want to help me prevent other people from being a victim.