23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call to collect a debt of {$730.00} for a medical bill. I asked the representative that contacted me in XX/XX/XXXX what the debt was for and I was told that ''it was for a visit to see my primary care doctor for a routine exam in XX/XX/XXXX ''. This is health information that the debt collector should not be in possession of I asked the name of the ''primary care doctor '' and I was not provided with that information. It is my right to know the original creditor. I also asked the agent if she was in possession of anything that would give her the legal right to attempt to collect a debt from me she never answered that question.She never verified my information so I asked her my address to make sure she sent the validation to the correct address and she verified an incorrect address with me. 
I asked XXXX XXXX XXXX to validate the debt and I received a letter ( that went to the incorrect address that was later forwarded to me ) stating that this debt is from XX/XX/XXXX for the sum of {$510.00}. 
The debt is reported on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I then requested that I do not want the company to contact me anymore until they call legally show me proof that I woe this debt to them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I get a alert from my third party credit monitor that a account was reported delinquent 30 days so I look to see who it was and it was West Creek Financial delinquent XXXX past due 10. Now my account has been current for a year now even when I called them and made partial payments they still reported the account current now I have 1 more month to pay them originally was XX/XX/XXXX but due to financial issues which I explained even when I changed my payment dates I have a scheduled payment coming out on the XXXX of this month they couldn't even wait til that payment comes out which would have decrease my amount owed its ridiculous how they waited until I had 1 more month to finish out this account to do this I spoke to a customer service rep about this and all he keep asking can I make any small payment towards the account now remind you I got a payment for the full monthly amount coming out on the XXXX he checks oh yes you do have one then when I asked since that payment is going towards this XXXX that would decrease my amount owe oh yes it will so I asked him about the reporting they did oh we report to XXXX  so I said what about this 30 day delinquent you all reported how is that going to work since I have a payment on the XXXX and that decreases the amount owe which it will bring it to my regular monthly payment which will not make it 30 days delinquent.He tells me that third party credit reporting has not updated yet it takes a while but how was I able to see this 30 day delinquent and I seen it on several third party credit reporting that I have access and get alerts from I think that West Creek Financial is wrong for doing this after waiting a year to report this. And since its still a pandemic aren't company 's are not supposed to report account delinquent even if the consumers make some type of payment or arrangement with companies? I only missed 1 payment back in XXXX had a finance issue which I do call them and since then made partial or some type of payment towards this account. This has affected my credit tremendously.
Product: Mortgage

I am behind on my mortgage payments and am going through the short sale process. I have submitted all my paperwork to Wells Fargo and they are currently reviewing everything. I also have an offer on my home which I have submitted as well. I now have a foreclosure sale scheduled on XXXX/XXXX/16 and they are telling me they do n't know if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Thank you in advance for any help you can provide.
Product: Checking or savings account

I received a Debit Card in the mail from XXXX XXXX with instructions to activate the card over the phone. I have never opened an account of any kind with XXXX XXXX, online or in person, so I called the number on the card to adv ise it had been sent to me in error. First contact with the Card servicer was ineffective, and I was told that I could activate the card or call the bank to complain. I repeatedly told the representative that the card was fraudulently opened and that I wanted it closed. Second contact with the Banking Center resulted in disputed transaction affidavit and indication that I would not be credited my 'money ' until I returned the form. Still nothing acknowledged about the account being opened without my consent. Third contact resulted in an indication the account would be 'closed properly ' only when I completed my affidavit with 'whatever information I had '. As of now I do not know if someone has opened this account to launder money or commit some crime, and I am supposed to pay for a notary to complete a form for which I have no information. I do n't know the account number that was opened but I was able to determine the personal information is correct.. As instructed I have destroyed the card I received. Nationwide obviously did not require a physical copy of any sort of ID during the Account Opening process, and has allowed a transaction account to be opened in my name without my consent in written or electronic format.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

at this point Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Product: Checking or savings account

My name is XXXX XXXX and I have been a Bank of America XXXX member for over 10 years. 
I am submitting a request to rescind partial payment in the quantity of {$1100.00} for a transaction placed on XXXX XXXX, 2016. Bank of America has refused to pursue this dispute. I have submitted complaints and refund requests twice to Bank of America. None of my notes were included in my complaints or requests. I was not able to upload information to my dispute file that could have helped transaction agents decide upon this issue. 

This transaction was for XXXX XXXX treatment with XXXX XXXX XXXX, an online XXXX practice headquartered in XXXX, TN. The company takes your XXXX molds and creates XXXX aligner trays to  straighten teeth. Like braces, XXXX treatments are slow and take several months as teeth are slow to move. 

XXXX XXXX XXXX did not inform me that my case was outside of XXXX 's treatment specifications at any point prior to the end of my treatment. I was not informed during my pre-enrollment, my case approval, initial treatment, or any of the refinements that my case could be outside the scope of their treatment. I was informed after 1 year of treatment- leaving me without any recourse of monetary recovery or dispute coverage from my bank. 
Because of XXXX XXXX XXXX treatment plan, I went to a local XXXX for a diagnosis. My XXXX reported that XXXXs plan has caused XXXX damage, pain, and XXXX  erosion which needs to be treated. None of these complaints have been acknowledged or pursued by the company. 

I am not the only patient that has experienced issues and asked for refunds from this company. Several complaints have been issued by the Better Business Bureau ( BBB ).  There are complaints about communication and quality of service all over XXXX and their homepage on social media. 


I would like Bank of America to pursue the transaction dispute against this company. I feel taken advantage of by both Bank of America AND XXXX XXXX XXXX. I would have hoped that Bank of America would protect us customers. Sadly, I feel that this bank has not done so.
Product: Debt collection

I was sent a bill from XXXX that was for someone with the same name through Frontline Asset Strategies , LLC XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have compromised my personal information though data breaches ; and/or have failed to investigate disputed information on my credit reports, and make the appropriate corrections, even after reporting identity theft through the FTC.
Product: Checking or savings account

URGENT : LAWSUIT!!! 

USAA I AM SICK AND TIRED OF DEALING WITH THIS IN THE LAST FEW YEARS IVE HAD WITH YOU! THERE IS A TON OF FRAUD AGAIN, LOOKS LIKE ACH/ AUTOMATIC DEBITS ONCE AGAIN! FOOLS DIDNT EVEN CHANGE MY ACCOUNT NUMBER OR LOGIN INFORMATION!!! CFPB PLEASE DO SOMETHING! EVERY TIME I CALL AND REPORT THIS THEY SAY No one has called us. We have no record of anyone calling! DESPITE PHONE LOGS WITH REPRESENTATIVES AND MY CALL HISTORY! I CAN PROVE IT! IN TOTAL THERE ARE AT LEAST XXXX TRANSACTIONS BEGINNING XX/XX/year> FROM XXXX XXXX. THE SAME THING HAPPENED WITH XXXX XXXX! AND ALL THE UPHOLD AND XXXX TRANSACTIONS! PLEASE FIX THIS ASAP! I HAVE AN ACTIVE DUTY FRAUD ALERT THATS BEEN PLACED FOR YEARS! 

I WAS ON THE PHONE YESTERDAY AND ALL DAY TODAY WITH XXXX A REPRESENTATIVE FROM THE FRAUD DEPARTMENT ON XXXX AND XXXX! 

I AM GOING AWAY ONCE AGAIN TOMORROW FOR AT LEAST A MONTH AND A HALF AND WILL HAVE LIMITED ACCESS TO CELL PHONE SERVICE OR EMAIL! FIX THIS ASAP! I AM SO SICK AND TIRED REGARDING ALL THIS! I HAVE FTC REPORTS, IDENTITY THEFT REPORTS, POLICE REPORTS, CFPB REPORTS, ETC. THEY HAVE LET FRAUD ON MY ACCOUNT TO OCCUR MULTIPLE TIMES AND NO ONE AT USAA SEEMS TO KNOW WHAT THE F THEY ARE DOING! NO ONE DOCUMENTS ANYTHING FOR OTHER DEPARTMENTS OR FIXES IT! THE ONLY WAY THINGS GET FIXED IS WITH A LAWSUIT OR A CFPB REPORT! PLEASE GET THIS FIXED ASAP! XXXX TRANSACTIONS AT LEAST WITH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  AT LEAST TAKES CARE OF THIS IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Vehicle loan or lease

I voluntarily surrendered the vehicle in XX/XX/2021. 
The XXXX XXXX company still has it up to now XXXX. 
I would like to know when the vehicle will be going to auction so that the delinquency can dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian disputing an account that is currently listed on my credit report. The account I disputed is for XXXX XXXX. I received an alert through my email that the investigation was complete. According to their site in which I am uploading proof my investigation started on XX/XX/XXXX. Experian sent me the results of their so called investigation on XX/XX/XXXX.  There is no way an investigation was completed in this short amount of time. I have writtten several letters prior to this and I get the same results. This is causing me so much trouble with my credit due to their unfair credit practices.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these accounts removed ASAP.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. 

As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to 3 Credit BureauS. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. 

I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. 

It is my expectation that 3 Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$6700.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after noticing unauthorized inquiries on my credit profile.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : XXXX. violation of 15 USC XXXXg - Failure to provide full disclosure. remove from my credit report LVNV FUNDING LLC Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC XXXXg - Failure to provide full disclosure. remove from my credit report LVNV FUNDING LLC Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC XXXXg - Failure to provide full disclosure. remove from my credit report LVNV FUNDING LLC Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC XXXXg - Failure to provide full disclosure. remove from my credit report LVNV FUNDING LLC Account Number : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will verify these items with the respective creditor and remove any information that can not be verified. I am aware that, as per 15 U.S.C. Sec. XXXXi ( a ), you are required to complete this investigation within XXXX days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly ask that you notify any party who has received my credit report within the past XXXX months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter. 

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

-StarMark Financials LLC violated the following laws : - Fair Debt Collection Practices Act- not ceasing collection activities when in fact I clearly responded and disputed the debt within the 30-day response period and by reporting to the credit bureau this account for collection prior to the completion of the debt validation process. In addition, since StarMark is not the original lender and StarMark was claiming that it acquired the debt from XXXX XXXX, it failed to provide proof of ownership -Esign Act and Uniform Electronic Transactions Act - none of the requirements to consider the Esignature valid were met Important Dates/Information : - Debt being collected was a result of online fraud - Amount of supposed debt - {$2500.00} -Supposed Original Creditor : XXXX XXXX ( Acct # XXXX ) -Supposed Buyer of the Debt : StarMark Financials LL ( Acct # XXXX ) -Collection Letter from StarMark Financials : Dated XX/XX/XXXX received on XX/XX/XXXX -My Response Date to StarMark Financials : XX/XX/XXXX ( I have proof of USPS receipt ) -Actual Date StarMark Financials received my dispute letter : XX/XX/XXXX, XXXX XXXX. ( I have proof of USPS Tracking System ) -Date Collection Account Reported to Credit Bureau ( XXXX ) : XX/XX/XXXX XXXX Response Date to My Disputed Letter from StarMark Financials ( included supposed supporting documents of the debt ) : XX/XX/XXXX ( letter sent by XXXX XXXX ) -Documents provided showed : - no valid signature from me- loan was supposedly transacted and completed online - debt claimant failed to show proof that all of the following requirements under Esign Act and Uniform Electronic Transactions Act were met : - intent to sign & opt-out clause - consent to do business electronically - clear signature of with the record - association of signature of with the record - record retention - StarMark Financials failed to show proof of ownership of the supposed acquired debt from XXXX XXXX - no deed of assignments were provided showing that the debt was legally transferred to StarMark Financials- I called StarMark Financial and determined that my account was already sold to XXXX XXXX - another harassing tactics
Product: Credit card or prepaid card

My Synchrony 76 Card account was closed in XXXX of 2021 despite onetime payments, I can only guess for lack of use during covid lockdowns. However, they did not report this to any credit bureau and continued to apply interest and fees for an account that was closed for another 10 months. I eventually settled for {$400.00}, {$100.00} more than my balance when my account was closed, and they show late payments for following 10 months on my credit report. When they settled with me they claimed my account was still open until XX/XX/2021, which was untrue.
Product: Debt collection

I have been getting calls from Credence Resource Management regarding a medical debt I owe via XXXX XXXX XXXX. Firstly, they have been calling me over 3-4 times in a day which is equivalent to XXXX7 U.S. Code 223 prohibits certain types of harassing phone calls, including : Making a call without disclosing your identity, Making repeated calls and Causing a phone to ring repeatedly. Secondly, whenever I try to ask them about the payment such as an itemized bill which is a right, I get denied stating that the payment is due and we can not provide any sort of information like that. Moreover, they are pushing, agressive and to a certain point verbally abusive as a corporation. All my payments regarding the XXXX I had are completed and nothing is due, however this company keeps calling me and verbally harassing me.