23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account Reference # XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

My account was hacked through cash app and money was taken out of my account with my bank, I filed a dispute with both parties and my claim was denied. I hope I can get some help and also my money back that was took, Ive been crying every not because of no help and I hope this doesnt happen to any other people so this is my last resort for closure.
Product: Debt collection

I received services from this company at XXXX XXXX in XXXXXXXX XXXX on or about XX/XX/2022. Upon admission to the hospital, I provided my primary and secondary health insurance information. I required XXXX, and prior to signing my consent forms, requested the name of the practice providing services ( XXXX XXXX XXXX ) and requested that my insurance coverage be confirmed. It was confirmed that they were in-network and their services would be covered under the deductible for my hospitalisation under my primary and secondary insurance. XXXX XXXX XXXX, Maryland failed to properly code and XXXX for their services to both my primary and secondary insurance companies prior to the deadline for submitting a claim, leaving a large balance owed that would otherwise have been reimbursed by my secondary insurance. XXXX XXXX XXXX, in violation of my consumer rights, then proceeded to attempt to hold me accountable for their own billing and coding errors by taking aggressive and persistent collections efforts and repeatedly denying appeals, which negatively impacted my XXXX XXXX, in an effort to bully me into accepting financial responsibility for their own billing mistake. They repeatedly attempted to deflect responsibility to the collections agency they utilised, XXXX XXXX XXXX, who, after being notified of the inaccurate debt, then knowingly, unlawfully, engaged to collect this invalid debt, denying their responsibility as the credit collections agency taking actions against me in order to continue to improperly attempt collect the debt. They have repeatedly asked me for documentation that does not exist, such as proof that my secondary insurance denied the claim due to missing the deadline, when my secondary insurance wouldnt even accept a submission of the claim ( eliminating the possibility of a denial letter ) because their billing office missed the deadline for a submission to be considered. They have also attempted to cite XXXX, incorrectly claim that I did not provide them with my secondary insurance, and ignore the fact that the hospital in which they provided me services as a patient had my insurance on file ( with which other providers during the same hospitalisation were able to successfully receive payment from my secondary insurance ) in their efforts to further deflect their own responsibility for the financial consequences of their own billing error. They have attempted to state that they have no power or responsibility to cease collections and that I need to settle this with the original creditor, who has knowingly initiated and continued this improper collections attempt as motivated by their own financial interest in covering their loss resulting from their billing error, and is unwilling to reconsider their collections actions.
Product: Credit reporting or other personal consumer reports

please update this closed account with the correct payment information to paid on time. instead of late 30 days etc. I was on XXXX  XXXX  account was closed day before i stated ayment will be paid in full. closed on purpose when i stated i was in a finanical hardship and on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please investigate the following accounts properly, multiple errors and discrepancies from previous reports. 
multiple occasions when the accounts information were incorrect and had to be updated. 


accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX  accounts of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights [ 15 U.S.C. 1681 ] section 602 A Congressional findings and statement regarding respect for the consumer 's right to privacy. [ 15 U.S.C. 1681 ] section 604 A section 2 : Any consumer reporting agency can't furnish a consumer report without the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX violated the law US CODE TITLE 15 U.S. Code 1681i, account had discrepancies and incorrect information for the following accounts : XXXX XXXX : account number ending with XXXX. Account had incorrect following information that were updated with last investigation : scheduled payment, terms duration, activity designator, and account history. Changed the late payment date from XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have contacted Equifax previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that sets out the purpose and findings of the law. The FCRA is a federal law that governs how credit reporting agencies ( CRAs ) access and use consumer credit information I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15U.S.C . 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.

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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I submitted a previous complaint about Optum Bank making it difficult to close their HSA account. They responded quickly after the complaint was submitted and transferred the HSA funds to my new HSA provider, XXXX. However, they have used ACH instead of electronic wire or physical check. XXXX can not receive the funds through ACH due to tax implications. Optum did not follow the delivery instructions given to them by XXXX  
The level of incompetency at Optum Bank is unmatched. This issue needs to be resolved. However, when I reached out to Optum Bank, they did not resolve the issue and only said that a case has been opened with no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023, to Midland Credit Management. My tracking number is XXXX. However its been more than 30 days and they have failed to send my investigation back. This is not making sense. 
According to the law my consumer report must be 100 % accurate and it is not. 
Account # XXXX is in violation and not reporting correctly. 



I want to know if they investigated this account. 

If they investigated this account, who did they speak to? 

I want to see the proof of investigation and proof that this is my account. 

How did they complete the investigation?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the creditor XXXX XXXX has violated my rights under the following provisions : 15 USC 1681 Section 602 : This section grants me the right to privacy.

15 USC 1691 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late. 
Due to these violations of my consumer rights, I am demanding that Experian, update my 60-day late payment on XXXX to " never late '' and correct my payment history to " OK. ''
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Product: Money transfer, virtual currency, or money service

I Provided ALL THE INFO AND DOCUMENTS REQUIRED FOR MY IDENTITY VERIFICATION, yet my : " Identity Verification is currently being reviewed '' NOBODY is looking at the ID I uploaded to simply confirm my Identity. 

This is causing your system to ask for a wire transfer ( which is used for bank ownership verification in those instance were the customers is unable or choose NOT TO use your Instant PLAID verification system ). 

I SUCCESSFULLY USED PLAID as Bank Verification System and AS your systems tells me I am CLEARED for ACH transfers to/from that account ... ....

I can not indeed proceed because my " Identity Verification is currently being reviewed '' which causes your system to wrongfully think I need to complete the MANUAL bank verification OVER WIRE. 

I COMPLETED The AUTOMATED Bank verification Over PLAID and that WAS A SUCCESS. 

YOU DIDN'T CLEAR MY ID ( nobody looked at the uploaded ID ). 

READ BEFORE ANSWERING other Absusrdities! 

I AM NOT ASKING FOR HELP TO VERIFY MY BANK, THAT I DID OVER PLAID I AM ASKING YOU TO WORK MY ID DOCUMENT IN your system and complete the review OF MY IDENTITY VERIFICATION - NOT MY BANK VERIFICATION THIS IS NOT ABOUT BANK VERIFICATION THIS IS ABOUT IDENTITY VERIFICATION - check and approve the UPLOADED ID!! 

XXXX
Product: Bank account or service

Chase, along with other banks, have a deposit cut-off time. For Chase this cut-off is XXXX EST/XXXX CST and deposits made after this time are considered next day deposits. The problem with this cut-off time is that if a transaction, like ACH payment, hits the account after this cut-off and causes the account to become negative ; the consumer is not given the opportunity to deposit funds to avoid being penalized with an " overdraft fee ''. If the bank has a deposit cut-off time then it should do the same for transactions posting to the account. How is this okay or fair to charge a fee without giving the consumer a fair opportunity to deposit funds to avoid getting fees? 
I voiced my concern to Chase by opening up a complaint which I was told I 'd hear back from a manager within 2 business days and it has now been 3 weeks with no contact from anyone at Chase. 

Yes, in an ideal world, if you know a bill payment is going to be taken out of your account be prepared and have the money in the account. But that is not the case for myself nor for many other families getting by living pay check to pay check. If I barely have the money to pay my bills, I definitely do n't have the extra money to pay fees to any bank including Chase.
Product: Credit card or prepaid card

Could not make a purchase using my XXXX XXXX credit card and was informed Comenity closed my account on XX/XX/2018, after I failed to complete numerous demographic verification request. When asked about the request was informed I had not responded to multiple telephone calls and letters since XXXX. I never received any telephone calls or letters even after verifying both were correct. I have contacted Comenity bank at least five times since XX/XX/2018 and was never made aware of any demographic verification request. Through XXXX XXXX I subscribe to XXXX XXXX monitoring and have frozen my credit reports through all three Bureaus to ensure I maintain my XXXX XXXX XXXX. XXXX XXXX alerts have advised the closing of the Comenity credit card will have a negative impact on my credit report. I would like the negative information removed from my credit report as I never received a telephone call or letter requesting a demographic verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion closed collection accounts after I requested validation of the debt on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the information was placed back on my credit report. No proof of validation for the debt was given. Only a letter stating that the debt was validation. I requested copies of what information they had on file to validate the debt. That information was never received and its beyond the 30 day mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX and Equifax because I received a credit alert that my score had dropped over 200 points. In the dispute, I provided corporate documentation to show that they were reporting a XXXX corporate account ending in XXXX, on my personal credit file in which the usage caused me to lose two credit cards which were in good standing a XXXX XXXX  XXXX with a {$15000.00} credit limit, a XXXX XXXX XXXX with a {$12000.00}, denial for a mortgage loan, and the limit on other credit cards to be reduced because of the high usages. I informed them that the business 's high usage was killing my credit score, I went from XXXX to XXXX. 
In my dispute, I provided Corporate Documents ( Articles of Incorporation, an Ein letter, a Credit Card statement showing the Corporation name, and the letter from the creditor showing it was a business account ). I have called several times and they refuse to remove it from my credit file and changed it to an individual credit account which is inaccurate. This has cost my family financial hardship. I went from an excellent credit rating to a fair rating because of the business usage being reported on my personal file. XXXX removed it from my credit profile, but Equifax and XXXX refused to do so. I have submitted 4 disputes and they still refuse.
Product: Credit card or prepaid card

I had made a dispute against Capital One due to the fact that they reported a derogatory account on my credit for an account # XXXX with XXXX. The account has since been deleted and I will provide proof of this as attachment with my complaint. I then had issues with a payment via an account that Capital One sent me letters stating that the account was an invalid account, yet my payment posted from this account. Then on XX/XX/2022 my account was restricted by Capital One and I still have yet to receive an answer as to why this occurred, however the restriction was lifted with the representative on the phone that day. Fast forwarding to today, I went to use my card to pay for an item and it was declined. This prompted me to check my account via the Capital One app to figure out why this was happening. I found an error stating, " You don't have any accounts available to service online at this time. '' So I called Capital One to find out what was going on and was notified that they had closed my account ( XXXX XXXX XXXX XXXX ), which has been opened for over a year, due to reports from the credit bureaus saying I had opened my accounts fraudulently. I immediately knew this was a lie because the credit bureaus report information supplied to them by creditors ( Capital One ), so I can only surmise that this was a retaliatory tactic used by Capital One, which can harm my credit profile. The representative I spoke with at Capital One attests that this may have been a mistake on their part, but the issue still stands that my credit can be severely affected due to their mistake and by not fault of my own. I supplied my full card number due to the fact that the account has already since been closed.
Product: Mortgage

My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was discharged on XX/XX/2014. However, Peoples United ( loan # XXXX ) is still showing that I owe a balance of {$150000.00} on a debt that was discharged in the bankruptcy which is driving down my credit scores and keeping me from re-establishing my credit. At almost XXXX years old I am not very good at fighting these things and was told to ask you for help.
Product: Credit reporting or other personal consumer reports

The company charged off this account, filed it on their taxes, and did not send me a XXXX so that I could write it off as income. They are still reporting it as a charge-off on my credit report, indicating that I owe the balance, but they took a tax break. I am about to sue you for statutory damages because this is fraud. 

Account name- XXXX XXXX Account number - XXXX Responsibility Individual Date opened XX/XX/XXXX Status- Closed. {$680.00} written off. 
Status updated - XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Monthly payment {$0.00} Original balance {$660.00} Terms 9 Months Account name XXXX Account number XXXX Date opened XX/XX/XXXX Status- Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Terms 9 Months On record until XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Status-Account charged off. {$650.00} written off Status updated XXXX XXXX Balance {$650.00} Balance updated XX/XX/XXXX Terms 4 Months On record until XX/XX/XXXX XXXX
Product: Student loan

I have contacted EdFinancial Services several times over the past XXXX months to remove improperly accrued of interest betweenXX/XX/XXXX-XX/XX/XXXX Interest should have been re-paused for all of them while I was enrolled in graduate school. This seemed to happen but only for some of the time. Between XX/XX/XXXX, there are several periods of time when interest would stop and randomly accruing for a few months even though I was enrolled the entire time. This resulted in being overcharged a substantial sum of money. Several of the payments made during that period going to this improperly accrued interest rather than the principal of the loans. The problem seems to stem from several enrollment status errors are listed on the Federal Student Aid 's website. 

EdFinancial Services removed some of the interest in XX/XX/XXXX ; however, their calculation still appears to be incorrect. I've requested a complete breakdown as well as their methodology for this calculation multiple times ; however, I have not received them yet.
Product: Credit reporting or other personal consumer reports

Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : The following account are not mine : 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, Please remove it from my credit report. 
In accordance with the provisions outlined in the Fair Credit Reporting Act, I hereby request a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that can not be verified by the creditor must be promptly removed. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past XXXX months of any necessary corrections. 

Thank you for your attention and assistance regarding this matter.