23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I checked my credit report this morning and saw some fraudulent, inaccurate and incomplete information on my credit report. I'm asking the credit bureaus to conduct a reasonable investigation and DELETE the following accounts and update late payments to fully paid on time. 

XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ( Original Creditor : AT T ) Late Payments ; XXXX XXXX
Product: Debt collection

I had numerous medical procedures with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, Georgia, now doing business as XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I am insured, and my insurance has paid every bill submitted by the provider. On XX/XX/2023, I had a procedure that was billed to insurance in the amount of {$17000.00}. XXXX XXXX XXXX XXXX XXXX has negotiated discounts with this provider, and the amount discounted was {$14000.00}. On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX the amount of {$2300.00}, leaving a XXXX balance, as confirmed by the Credence Explanation of Benefits. Notwithstanding the payment in full, and after hundreds of harassing calls by the vein clinic where numerous times they acknowledged payment and that it was an accounting error by their billing department ( as recently as today ), XXXX XXXX has now referred this claim over to a collection agency, without even sending any notice or documentation at all since XXXX of this year. I provided a written email to the billing address attaching the Explanation of Benefits and documenting XXXX XXXX representatives harassing behavior and never received any response beyond a note that it was under review. I have provided the EOB several times in writing. XXXX XXXX XXXX XXXX XXXX has held numerous phone calls with XXXX XXXX where XXXX XXXX has confirmed no amounts are owed by me, but XXXX Vein nonetheless has continued to pursue this baseless claim. On numerous occasions I have called to attempt to resolve the matter, and am always told it will need to go to a supervisor, but it never gets resolved. I have an email from XXXX of their representatives on XX/XX/2023 stating that They have detected the main XXXX issue and their [ sic ] now sending it to XXXX XXXX to review, this [ sic ] are the notes. Account was Adjusted incorrectly by XXXX, resent account to Upper Management to Resolve Issue and Adjust Account. But the calls continued. Their agents have been threatening at times, including to a Credence representative who documented the behavior. I am at a loss to get them to stop harassing me and withdraw the claim, and am afraid this baseless claim will negatively impact my credit.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX drops XXXX points in XXXX fell swoop, now after months it embarrassingly rises one point. Not sure to classify this as pathetic or unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, Thank you for your response on XX/XX/2022 addressing my dispute of a credit inquiry I did not authorize on XX/XX/2022 at XXXX XXXX XXXX XXXX. Thank you for revealing your source of how you obtained my credit information. However in accordance with the law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. Company MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application electronically or physical authorizing the disclosure of credit files with my signature, I will accept the inquiry. If a signed authorization electronic or physical can not be found please remove the inquiry from the main credit bureaus XXXX. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,
Product: Debt collection

I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX  put to collection XXXX XXXX XXXX the amount of {$490.00} opened XXXX2015. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX  to find out why they put me in collections. I contacted XXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX I decided to contact again XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX  XX/XX/XXXX -BK XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit card or prepaid card

the website for my credit card provided by comenity bank has been down for over a month now. i can not access my account to pay or view balance. the phone support is impossible to reach. the website is https : //d.comenity.net/ac/sonyvisa/public/home
Product: Debt collection

I cancelled my XXXX phone service XX/XX/XXXX. XXXX had provided me signal booster as I was not getting enough signal at my home. When I cancelled my XXXX service I requested for them to send me Signal booster return kit in order for me to return the signal booster to XXXX. The return kit simply contains the XXXX return label. But even after 1 month I never received the return Kit. So, I called XXXX again and again for the issue. Every time their response was that they forgot to send the return kit and will send me as soon as possible. At that time, I informed them that the delay is from their end, so I will not be responsible for any charges. Even after this conversation I did not receive any return kit. I had to call them so many times in order to send me return kit. Finally I received the return kit XX/XX/XXXX, more than 2 months after cancelling the service. Surprisingly, during these 2 months they started sending me letters saying I owe them more than {$400.00} as I never returned the signal booster. It seemed like there was definite disconnect between communication within their departments. 
As soon as I received the return kit, I shipped the signal booster on XXXX XXXX XXXX. I have a delivery proof showing they received it on XXXX XXXX XXXX. I have the XXXX tracking number with all the proofs including photocopy of return label, return kit, XXXX receipts with weight of the package showing XXXX, But to my surprise XXXX kept sending me bills showing I owe them more than {$400.00}. So, I called then again on XXXX XXXX XXXX to let them know the entire story and informed them the XXXX tracking number as well so that they can resolve this very simple issue. At this point I was thinking that I provided all the proofs of return and the issue will be resolved. But the biggest surprise was yet to come. I received a call sometime around XXXX XXXX or XXXX XXXX from Amsher Collection agency that XXXX has put my account in collection from XXXX XXXX which was just 1 day after I talked with XXXX representative and had given XXXX XXXX number as a proof of delivery. This seemed so brutal to me. But, I provided all the proofs to collection agency and disputed the issue on XXXX XXXX XXXX. Currently, this issue is in dispute since that day. 
I have all the photocopies as a proof to prove that XXXX definitely received the signal booster on XXXX XXXX XXXX and so I do not owe XXXX any money. At this point I feel like hitting a dead end. I really appreciate if you can help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, Transunion, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00} Inquiries XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

ATM Dispute Claim No. XXXX. For 30 days I have been disputing an ATM Transaction with BB & T ( my Bank ) at Location XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I sent my former wife, and I use the legal term to clarify however she is still part of my family, and I have known her for over 46 years, to make an ATM withdrawal for me on XX/XX/2020. She helps me with chores including banking matters on a weekly basis and I also have XXXX daughters with her who are XXXX and XXXX, so my former wife is someone I trust fully. The ATM froze and malfunctioned on that day. BB & T deducted the {$500.00} withdrawal as the ATM machine recorded it as a disbursement, however it did not disburse the cash. BB & T alleges they balanced the ATM days later and it was not over money. They also said their proof that the cash was disbursed is a photo of my former wife " Standing '' in front of the ATM without any image of any cash whatsoever in the photo. I have asked them to look at the complete surveillance video which will show that my former wife left the ATM empty handed and proceeded to contact a bank employee inside but she was referred to call an XXXX number. I made the Claim the same day and it has been denied 3 times. I have no idea where the cash went and that is for BB & T to investigate if it went through the front of the ATM that another customer got it or through the back due to an insider job. I have no idea and I am not pointing fingers but since they are stating the cash was disbursed and I know that is not the truth then I am urging a higher authority to really look into the matter because I am not at fault by this incident. BB & T needs to prove my rep. authorized by me received the cash by showing me the video of XX/XX/2020 and they have not done so but only a photo that shows " NOTHING, NO CASH ''. Confiscating my {$500.00} is a violation of the law by BB & T and they need to return my money. This has caused me sufficient problems and they need to correct this bad on their part. Their ATM 's malfunction throughout town, lack maintenance or are outdated, the scanners do not scan all checks because its capability is outdated. I urge the government entities to assist me in mediating this matter with BB & T because it is not my fault that the ATM did not disburse the money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : TransUnion Shows XXXX XXXX Shows XXXX XXXX   Shows XXXX. ( There should be no past due on a collection ) Date of last Active : TransUnion Shows XX/XX/XXXXXXXX XXXX shows XX/XX/XXXX XXXX Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.
Product: Credit reporting or other personal consumer reports

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and XXXX XXXX  directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. I request your immediate intervention to rectify this matter. The actions of XXXX XXXX  violate several federal laws, including : XXXX. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by XXXX XXXX  violates this requirement. XXXX. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by XXXX XXXX  constitutes a breach of this statute. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX  correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I had a Capital One credit card with a {$300.00} credit limit. Due to a billing issue on their end, my account was marked as over the limit, despite my understanding that I had not exceeded my credit limit. When I noticed this, I immediately reached out to Capital One for clarification and requested a detailed explanation of how my account went over the limit. Instead of properly addressing my concerns, Capital One closed my account and later charged it off, negatively impacting my credit report.

I was actively trying to resolve the situation by calling them every other day and was not given an opportunity to correct it before the charge-off. Ultimately, I settled the balance for my credit limit in full, yet the charge-off remains on my credit report, although I was promised a pay for deletion over the phone on a recorded line. This situation is making it appear as if I failed to take responsibility. This is unfair, as the charge-off was a direct result of Capital One 's error, not financial mismanagement on my part.
Product: Credit reporting or other personal consumer reports

I looked at my Equifax Credit Report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

This also violates 15 USC 1681 ( n ), ( s ) - 2 ( a ), & ( b ), 15 USC 1681i, ( 5 ) ( A ) ( i ). 

XXXX. XXXX XXXX XXXX Account number ( s ) XXXX XXXX, & XXXX XXXX has violated my rights. I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with them, nor have been provided a original contract and complete account number. 

In accordance with the Fair Credit Reporting Act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ).
Product: Student loan

Last time I was in school was XX/XX/2006 I had dealt with XXXX XXXX for years before getting things paid. I also was apart of a class action lawsuit against them in which we won. So now I find out my tax return was Allocated by a company called Navient which I had to XXXX to see its a renamed XXXX XXXX basically. Now, 10 yrs after I 've been out of school and four years since I last heard from anyone from XXXX XXXX or Navient my whole tax return is taken? Last Iheard was the minimal settlement check I received from the hearing. Why is Navient trying to collect a debt that has already been dealt with? If it was n't dealt with I 'm sure it would n't have been almost 11 yrs before tax money would be allocated. Navient is doing the same thing XXXX XXXX got sued for but they do n't get monitored so they get away with this kind of stuff.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- [ XXXX XXXX XXXXXXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX  Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Last Friday, XX/XX/2018 I deposited a check in the amount of {$150000.00} XXXX PESOS at Bank of America XXXX branch in  XXXX, Texas. I was very disappointed with the service, the bank teller and his manager told me I had to wait between 4 to 6 weeks to cash it and to be deposited in dollars in my checking account. As a 34-year Bank of America constant customer I believe I deserve much better service, in addition, the bank manager told me she was not able to tell me the international commission, and fees incurred in the transaction and the exchange rate, especially when this bank branch is about 5 miles away from the border. I recalled this Bank of America procedure is EXACTLY the same as it was +30 years ago, in other words, Bank of America has not upgraded their technology nor adopted current global banking practices. I have copies of the form Bank of America made me fill out so you can corroborate my assertions. The problem I expect to have is that once the transaction is done I will incur charges I did not expect. 
These obsolete and abusive banking procedures undermine the efficiency and honesty of banking institutions and promotes customers to follow questionable and predatory lending institutions such as lending and money exchange outlets
Product: Debt collection

On XX/XX/2022 I received a notice to collect a debt from I.C. System Inc suggesting that I owed them a debt through their client, XXXX. The notice did not have a date to signify when the notice was written or sent and requested that I respond by XX/XX/2022 or the debt for the amount of {$1100.00} would be assumed valid. On XX/XX/2022 I received a " Settlement Offer '' dated XX/XX/2022 from I.C. System Inc in an attempt to settle the debt for 70 % of the balance due, which was bumped up to {$1200.00} with no explanation. They still had not verified the debt at this time. 

On XX/XX/2022, I sent I.C. System a notarized Request For Debt Validation letter outlining my rights as a consumer to have the debt properly validated pursuant to FCRA [ 15 USC 1692g ] and to help them out I listed all of the items they are required by law to send for debt validation. I sent this notice via certified mail ( tracking no. : XXXX XXXX XXXX XXXX XXXX ) with a green return receipt. My letter was verified as delivered through tracking on XX/XX/2022 to the XXXX XXXX XXXX I.C. System provided in their notices ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. The return receipt never made it back to me. However they did receive my letter, as they responded to it within the given time frame. 

On XX/XX/2022 I received their only response to my Request For Debt Validation to an address that was not listed or authorized by me. The address they sent the response to is a relatives home, not my own. The response that was attached was a phone bill from XXXX for {$1200.00}. A bill is not proper validation of a debt according to XXXX XXXX XXXX and I.C. Systems has violated my rights pursuant to 12 CFR 1006.34 ( c ). They have failed to provide all of the required documentation as per my request under the new rule Regulation F and Validation of debt XXXX XXXX ( c ). 

During the time of the dispute I.C. System Inc took no action to delete the debt from my consumer report nor at the very least did they take action to update my consumer report to reflect that the account was in dispute.