23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX-Emergency visit to XXXX XXXX XXXX, they received our insurance information and treated our daughter. We paid co-pay and XXXX XXXX XXXX filed insurance claims for the hospital and XXXX XX/XX/XXXX- they were paid by our insurance. 

In XX/XX/XXXX-three years later, I noticed a new collections on the credit report. Requested a copy of the original bill. It was for a XX/XX/XXXX. XXXX XXXX XXXX XXXX. I contacted XXXX XX/XX/XXXX, XX/XX/XXXXXXXX, and the collections agency- this was never turned into insurance ( XXXX ) and we never received a billing at the time of servicel. XXXX XX/XX/XXXXrep said XX/XX/XXXX XXXX was not one of their emergency groups at that time and it is either fraudulent or someone made a mistake when entering. I need help because they keep moving it from collection agency to different agency. I keep disputing and even tried to get XXXX to pay but it was too old by the time we found out there was a bill. 

I have spent many, many hours of the days, emailing and calling trying to get this cleared up with no success. Please, any help would be appreciated.
Product: Credit reporting or other personal consumer reports

My credit was illegally pulled from multiple banks and financial companies without my knowledge or consent on XX/XX/year> over 7 times and other dates as well. I filed disputes through all 3 credit bureaus ( XXXX, XXXX XXXX and Experian ) with supported evidence attached by file to each one. No actions have been taken by any of the 3 credit bureaus and still waiting for response or positive reflection on my credit from these inquiries. Please truly help and will be looking out for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 my wallet was stolen. It contained my drivers license, social security card, credit cards and other information. I have contacted the companies, filed a police report, and contacted all of the credit reporting agencies. I placed an extended fraud alert. The other 2 agencies removed the fraudulent inquiries. Equifax removed some but not all of the fraudulent inquiries. I have sent the required information to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for truck, and received all these inquiries on my report, the salesman did not say he was going to pull my credit.
Product: Checking or savings account

My account under Credit Karma has been hacked and I can't logon to access my savings or checking. Totaling over {$20000.00}. 
Credit Karma set up a Case # XXXX. It's been going on 1 weeksand I have not heard from Credit Karma. 
My Credit Karma account was changed from ( XXXX ) log on to another user under XXXX. 
So, I need assistance to expedite release of my funds.
Product: Credit card or prepaid card

All my accounts were closed overnight in XXXX 2017.
Referencing my credit reports with Chase : - Never had any late payments - Active customer with more than US {$30000.00} spent in past 12 months After contacting the bank to request for an explanation, I was told the only information that could be provided was the letter sent to me ( attached ).
This action by Chase has severely impacted my credit profile.
Product: Credit card or prepaid card

On XX/XX/XXXX I received notice that discover closed my credit card account due to inactivity. I have a XXXX balance on this credit card account and have since XX/XX/XXXX. On XX/XX/XXXX I called discover requesting that my account not be closed as it would be very detrimental to my credit report. The denied me this option and requested that I open a new account. I believe I have 30 days from the date of closure to request it stay open, especially considering I have no balance on that card.
Product: Credit card or prepaid card

I called Capital One to close my account in late XXXX because we did not want to incur the annual fee of {$150.00}. I originally asked to waive the fee, but they would not do that. Capital One would not close my card and told me I had to wait until the fee was charged and that then, once it posted, I had 40 days to close my account to avoid the fee of {$150.00}. 

In early XXXX, I inquired again about having the fee waived or closing the account. Capital One told me that they would not waive the fee and that I had until XX/XX/XXXX to close the account to have the fee refunded. 

I closed the account on XX/XX/XXXX with a Capital One agent who confirmed I was within the 40 day window to have the fee refunded and that I should pay my full balance less the {$150.00}. She said that within XXXX to XXXX  days the fee would be refunded. She said that she could not apply the reversal of the fee at the time I closed the account. 

It's been nearly one month since I closed the account and Capital One is now charging me interest on top of the {$150.00} that they promised to refund me. Other than that the account is paid in full and has never been late. 

Tonight, I spoke with a supervisor who said he would not refund the fee and now says I closed the account outside of the XXXX window and there is nothing he can do to reverse the fee. 

I'm extremely frustrated as I followed the rules and confirmed all of this on a recorded line on all the phone calls. The agents I spoke with said they documented each call in the notes. 

We want the fee revered and the account will then be at a XXXX balance.
Product: Debt collection

Orion Management Company is attempting to collect a debt that is not mine. I have sent them the Police Report and the XXXX Credit Report Indicating that XXXX XXXX has been removed from my report but they refuse to take their collection off of my credit report. This is hurting me.
Product: Debt collection

In response to a previous complaint where PRA has been dishonest and stated they did not receive notification from me about the two accounts they claim they bought from. I sent PRA a letter CERTIFIED MAIL on XX/XX/XXXX and it was signed for by PRA on XX/XX/XXXX @ XXXX XXXX. So they claim they are making is utterly FALSE and I have been disputing this fraudulent account. 



In response to your complaint, Portfolio Recovery Associates, LLC ( PRA ) investigated and verified the PRA accounts ending in XXXX and XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) XXXX  credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXXXXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase. PRA also purchased the XXXX XXXX XXXX   credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$360.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letters to you on or about XX/XX/XXXX. PRA has no record of a response or a dispute being received in relation to its initial notification letters. PRA received and responded to several disputes, which we received from you and consumer reporting agencies. In response to your disputes, PRA previously sent you the attached letters containing validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis has something from a company called XXXX XXXX on my personal credit report. This XXXX XXXX  medical debt is in the name of XXXX XXXX. This is not my name. Please remove XXXX XXXX from my credit report. Thank You.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi Bank does not want to credit me for a flight that I booked with an airline that went out of business and I have never received their service. I received a credit for the one flight, inbound but not for the outbound. They come up after weeks and weeks of " investigations '' with standard computerize answers and even though my attorney ( see attachment XXXX and XXXX ) sent two formal letters they do not care and say, its too late now ( XXXX XXXX XXXX ). We started a dispute right after the incidence happened and now they come up with this. Why they credit me for the inbound flight but not for the outbound? Nobody really takes a look into this from Citi Bank. 

Btw : Citi Bank is the worst service ever. Choose another bank
Product: Checking or savings account

Hello, I received a notification on my personal email that my Bank of America profile was updated on XXXX XXXX, 2022. I tried multiple times accessing my Bank of America XXXX account, but it kept saying wrong password entered. I then clicked forgot password, and then Bank of America sent a one time passcode to the email associated to the account. I never received the email, and then called Bank of America customer service. The representative told me that their was an account transfer on XX/XX/2022 in the amount of XXXX dollars. I told the representative I never gave that authorization, and no one but myself has access to my Bank of America account. The email on my Bank of America account was also changed to another email I have never used or seen before. The representative told me she was going to lock the account and send a replacement debit card. She also forwarded me to the claims department where I filed a claims report. I also filed a police report regarding this incident. My claims number is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX and I have told XXXX, XXXX XXXX and XXXX for XXXX plus yeras or so that different accounts where opened in my name by my XXXX  and I did not authorise these! These need to be taking off my account now because as a victim of XXXX  XXXX I am protected! I will get XXXX XXXXXXXX, XXXX XXXX and the XXXX XXXX involved plus I want compensation for the pain and suffering yall have cauased me even further and I am XXXX!
Product: Credit reporting or other personal consumer reports

Midland Credit Management Amount : XXXX I have asked this company and creditors for proof of the debt and the dates of last activity on this account is different for the bureaus. This account is inaccurate remove this account prom my consumer report demanding my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX 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

I tried to unlock a credit feeze with Transunion both over the phone & internet. This company refused to assist me in anyway to expedite the unfreezing of my credit report. I was told to submit a copy of my driver 's license & a bill with my address on it & they might look into it in 5 days. Both XXXX & XXXX   provided the unfreezing of my account without this extreme vetting of my identity. There is no legal reason for Transunion to refuse to unfreeze the account without vetting my identity when both XXXX & XXXX had no problem assisting me either over the phone or over the internet.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$24000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX credit card was paid via settlement however they just have it reported as closed acct
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed a series of hard inquiries from each of these credit reporting companys on my credit report. They are as listed XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX These inquires were made without my consent or authorization I was not present for these applications these were done fraudulently I request these be removed for this is impacting my credit score negatively
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX on my credit report was not requested by me. ( Fraud ) XXXX XXXX, 2023. I called XXXX XXXX XXXX XXXX to have item removed and Dispute. Their response was there is nothing they can do. To file identity Theft report. I Also called Equifax and they said The company has to fill out a removal form. XXXX XXXX said They could not do that because the proper information was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I registered with Experian to lock my credit report after publication of the Equifax data leak. I did not sign up for credit monitoring service. A month later I noticed a {$22.00} charge on my credit card from Experian for monthly credit monitoring. When I called to ask them about the charge, I was on hold for XXXX minutes. After getting through to a customer service representative and explaining my issue, I was placed on hold again for about XXXX minutes after which the call was terminated on their end. I called again and had a similar experience. This is clearly a dishonest scheme to trick people into signing up, or fraudulently sign up people, for their credit monitoring system and then making it difficult, if not impossible, to reach anyone to dispute the charges.
Product: Debt collection

Receive a citation Security Credit Services , LLC in XXXX XXXX TX. XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. This company is not locate at the address nor have a physical office in the State of Texas. I received a notification an assumption of debt by the agency. Nor has Security Credit Services , LLC sent confirmation debt owed. The amount is {$10000.00} on XX/XX/23. The agency has weaponize the court system I not received notication of the debt and provide any options to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX late open XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for US Bank or have I used this credit card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. And I strongly disagree. The reason why I asked for this is because I was served in XXXX for XXXX XXXX XXXX and hired an Attorney XXXX XXXX. We were able to prove I never used their credit card and my signature from the one on the application was different. They also showed me an itemized bill, There were charges to flights to XXXX, AZ and other places. I showed my passport to show proof that this was never me who took these vacations or that I used it. There was no stamp of indication that I have ever flown out of Colorado, it was plain. They came to the conclusion it was not me and dismissed it. I proved that this was not me who took this CC out but my EX- Husband. We showed the divorce papers to show that we had divorced in XX/XX/XXXX and he would be the only person that could have done this since he would have had my personal information. I am willing to do the same thing for US bank. I have never applied nor used their CC. and I filed a police report.
Product: Credit reporting

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have listed the items I want to dispute and are highlighted on the attached copy of my credit report : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, XXXX XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XX/XX/XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. In order to speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

Additionally, I am requesting that the item be removed from all XXXX credit bureaus, to correct the information. 

Enclosed are copies of my credit report indicating that the account is showing on my credit report. Additionally, I am enclosing a copy of " Form XXXX '' supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : [ IRS form XXXX Release of Federal Tax Lien, IRS form XXXX ( XXXX ), Credit report and IRS Form XXXX ( XXXX ), Notice from the IRS Newsroom dated XX/XX/XXXX in relation to the IRS 's new policy to withdraw paid tax liens, Social Security, Driver 's license, and Utility bill ]
Product: Debt collection

I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 U.S.C 1692a ( 6 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. XXXX has investigated this dispute and removed the error immediately. If all credit reporting agencies retrieve their information from the same original creditor there should be no misinformation.