23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XX/XX/XXXX, received a form letter from Credit Systems Inc XXXX XXXX of the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX CO XXXX alleging that I owed XX/XX/XXXX XX/XX/XXXX {$640.00} from XX/XX/XXXX. I have disputed statements with XX/XX/XXXX XX/XX/XXXX dated XX/XX/XXXX and XX/XX/XXXX in which they invoiced me for an " Amount Due '' of {$150.00}. 

In both cases, I responded to those invoices disputing that balance, indicating that payment would not be forthcoming, as care provided was not what was requesting, benefits were not coordinated properly between my two insurances, care was not coordinated with my primary care dentist ( as I had made clear when I initially had visited the practice ), unnecessary services were provided ( a second planning and scaling within a benefit year without checking either with my insurance or my primary care dentist ) and what payment had already been provided by my two dental insurances should be sufficient. 

I included the three credit reporting agencies ( XXXX, XXXX, and XXXX ) on these responses. I also received confirmation emails from the office admin ( XXXX XXXX ) that each of these responses had in fact been viewed : the response to the XX/XX/XXXX statement on XX/XX/XXXX ; and the response to the XX/XX/XXXX statement on XX/XX/XXXX. I received no statements from this office in either XXXX or XXXX, nor did XXXX XXXX contact me to discuss my response. 

I initially came to the practice for treatment of a relapse of severe XX/XX/XXXX XXXX, needing XX/XX/XXXX and XXXXXX/XX/XXXX. Instead what I received were a XX/XX/XXXX and XXXX on a XX/XX/XXXX 

XXXX XXXX had replaced the original admin I had met when I first arrived at the practice. Apparently, there had been no pass-down, as on my second visit, XXXX XXXX had no idea what had been previously discussed. When I asked about coordinating benefits and coverage for my requested treatment, she sent me back to talking to the insurance companies myself, and when I asked about pre-approvals, I had to constantly remind her to submit them.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I took out a title loan from XXXX XXXX for about {$5600.00}. From XX/XX/XXXX- XX/XX/XXXX I made about {$2400.00} in payments towards the loan. In XXXX, I experienced I financial hardship and could no longer afford to make payments. Thus, the car was repossessed and sold for about {$2000.00} according to my credit report. All things considered, the balanced owed on my credit report is {$6800.00}. This is more than the original loan amount of {$5600.00} and it seems the sale of the car and the payments made toward the loan are not being properly accounted for. Furthermore, I had personal items in my car worth at least {$1000.00} in my car during the repo. I was never allowed nor notified on how to retrieve my personal belongings. Thus, I believe the value of my personal property should also be accounted for.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 letters on two closed accounts with Comenity Bank. One account for XXXX  and one for Ann Taylor. Letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All letters went unanswered from Community Bank and the credit reporting agency XXXX. 

Comenity Bank XXXXXXXX  is a closed account showing the last payment XX/XX/XXXX. It has been 11 years and according to FCRA accounts should not report longer than 7-10 years. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA. 

Comenity Bank /Ann Taylor is a closed account showing the last payment XX/XX/XXXX. It has been 8 years and according to FCRA accounts should not report longer than 7. FCRA also states any items disputed must be answered within 30 days or be removed and it has been over 90 days since my first letter with no response. How was this dispute validated if no response was given- a direct violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Experian had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX Experian, XXXX, XXXX XXXX XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.
Product: Debt collection

on XX/XX/XXXX  I was taken against my will to the emergency room by the local police department after I was robbed. I refused all Examinations and I told the emergency room that I do not wish to be treated because I was unharmed. I never gave them my name or ID and refused to talk or be treated. The police department gave them my information and I started getting a bill. I called and explained I was not treaded there and I was told they will take care of it and it is now a negative mark on my credit. I pulled the records from their office and multiple times it states that i refused treatment. 
I was told if I do not pay it it will go to collections and hurt my credit and I was about to buy a home at this same time. It is now in the hands of a law firm and I told them them this is not a debt that I owe. Nothing has changed with this. I also have health insurance from my work that would have covered the majority of the cost but they didn't use my insurance either.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT FILE IS IN THE OFFICE OF COMSUMER AFFAIRS WITH EQUIFAX INC. EQUIFAX BLOCKS MY AND/OR CREDITORS TO SEE MY CREDIT REPORT AND CAUSES ME GRIEF AND CAUSE CREDIT DENIAL DO TO NO CREDIT FILE SHOWING UP. I HAVE BEEN DEALING WITH THIS FOR OVER 7 YEARS WITH EQUIFAX. I NEVER REQUESTED MY FILE BE IN SPECIAL HANDLING AS EQUIFAX REP SAID. ITS FOR MY PROTECTION. I HAVE ALOT OF INACCURATE INFORMATION ON MY CREDIT BUT IM UNFORTUNATE TO SEE IT EQUIFAX HAS ALSO BLOCKED ME FROM SEEING MY REPORT FROM ALL ONLINE ACCESS.
Product: Checking or savings account

XX/XX/2022 someone changed my phone number than added a XXXX address and withdraw my money in the account After hours on the phone filling all the disputes They say they can not get my money back XXXX they also hacked o to my XXXX  XXXX XXXX account and tried to withdraw from that This is just not right
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I am attaching a copy of my FTC reports that I have submitted to the credit bureaus via certified mail.
Product: Mortgage

I was denied a loan do to US Bank " Mistake '' I tried to get a DU approval and it would not due to a pre-foreclosure on our credit they said they fixed the problem .. I have paid out thousands of dollars trying to get this fixed it is the US Bank fault this has been on credit for over 5 years.. higher interest rates, getting turned down because of a foreclosure on our credit I paid for a home inspection, I paid for a appraisal ( 2 times ), I had to paid for a HUD inspector title fees 2x, I sent them a letter stating the monies I have spend over the years due to there mistake they said they could not help me because they do not have any doc showing them I was denied ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2019 went on XXXX XXXX noticed i got a hard pull from XXXX  XXXX on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I disputed the XXXXXXXX XXXX XXXXXXXX account with Transunion and demanded a deletion. Transuinion verified that the debt was valid. XX/XX/19 I requested the method of verification from Transunion. They never provided the documents. They only updated the account was verified. I also requested validation documents from XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX did not provide the documents I requested. Clearly if they didn't provide them to me. They didn't provide them to Transunion. Transunion has failed to provide a throrough investigation of this account which is a violation of the FCRA.
Product: Credit card or prepaid card

I made $ 1,700+ in purchases during the XXXX billing period with my XXXX XXXX XXXX from Synchrony Bank . When the 5 % back was not awarded for the purchases, I reached out to customer service in XXXX. The customer service representative reassured me that they rewards would be available by the next billing period. By the time I received my next statement the rewards were still not on the account. I reached out to a customer service representative, and they assured me that it sometimes takes 2 billing cycles for the rewards to be reflected on the account. I waited for the next statement to be generated, which also did not include the rewards for XXXX purchases. I then reached out to another customer service representative who apologized for the rewards not being on the account, and assured me, once again, that they would be on the following statement. 
This morning I received a notification from my checking account that Synchrony bank charged me twice for my statement amount. Once for the statement amount that I paid last week, and another for the same amount that was presumably a result of the recurring payment feature failing to function properly, as it should've been reduced by my early payment. This caused me to call Synchrony Credit where they have advised that they have issued a check for the extra payment, but also led to my question on the rewards on the account. After being passed around to multiple customer service representatives, I was finally advised that a purchase I made in XXXX  for {$1300.00} was not eligible for 5 % cash back by an account manager. The account manager was unable to let me know why that purchase was not eligible, despite the card being an XXXX XXXX card, limited to only be used on XXXX. The customer service representative was also unable to advise what other vendors they exclude on XXXX XXXX website. Without any information on what purchases Synchrony Credit may withhold rewards for, the misleading customer service, and an extra payment charged to my checking account, I decided to cancel the account this morning. Other Synchrony Bank clients should be on the lookout to make sure they are getting the rewards that they signed up for.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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: Mortgage

Our mortgage was transferred from XXXX XXXX XXXX to " Loancare a XXXX Company ''. We were given a loan ID at Loancare that does n't exist. We can not contact anyone at Loancare to correct this. We are put on hold after which the phone goes quiet and then hangs up 3 minutes later. 
We can not resolve this issue to pay our mortgage. Why is this so hard?
Product: Money transfer, virtual currency, or money service

Every time I send or receive a wire - The receiving or sending bank ( TD Bank - XXXX XXXX  XXXX ) have held my wire payment and request that I disclose additional information to them i.e. DOB, Place of Birth, Address, Employer name, profession. etc. These additional screenings are resulting in payment delays which can result in a negative financial impact. Domenstic wire should be same day and its taking several business day for my wire to clear. I am most certain this is due to my XXXX name. I am a XXXX citizen, and this extra screening has caused a great deal of pain as I have waisted countless hours/days trying to chase down wire payments which are being held by another XXXX bank . The banks have refused to disclose what is triggering these added questions thus I am contacting the CFPB to faciliate and investigate what is causing the extra screening and take steps on removing my name from this list.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

this is a hospital bill that the va should have paid but they ( XXXX ) did not bill properly or in a timely fashion. The XXXX in XXXX, Tn. sent me to the er. the hospital tried to bill the XXXX a year late.
Product: Debt collection

Transunion, XXXX, and XXXX refused to mark XXXX items in dispute. XXXX XXXX XXXX acct no XXXX and XXXX XXXX acct no XXXX. 

The letters were sent certified XX/XX/XXXX. I received responses back XX/XX/XXXX which XXXX including that failed to mark the items in dispute which is a violation of the FCRA and FDCPA.
Product: Credit card or prepaid card

Bank of America had credited my account {$18000.00} which was temporary while they investigated the unauthorized use of my XXXX debit card. Upon their completion of the investigation I received a letter from BofA that stated the Temporary Credit had now been made permanent.

Everything was good with my XXXX debit card until XXXX did a system update which caused my XXXX debit card account to temporary close for 48 hrs. Once the account and card were reopened my account of Negative. I contacted XXXX and was told on their end my account is fine and they dont see any negative balance, so i was told to contact XXXX XXXX because it was something on there end. I finally got ahold of the XXXX A claims department and was told that because of XXXX temporary closing my account that it triggered something in their system to pull that credit that was made permanent back out of my account and thats why the account is now negative. I was told that I would need to file a claim and that within in 10 business days my account would be fixed. This was on XX/XX/2020. 10 business days pass and still my account is negative and I have no access to any of my funds that were on the card and any new deposits being made from XXXX to my account either. So I called BofA claims department again and this time I was told that I needed to file an escladed claim and to wait another week, I have done that and my account still is not fixed and I still have no access to any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a formal complaint against Experian credit bureau. They have completely failed in the public sector on many fronts, and are inaccessible to common people such as myself. I have spent countless hours on 3 different occasions when I needed to contact them, and have been completely unsuccessful on every attempt. Today I am submitting a complaint because I tried to do a very simple credit application to get a new cellphone through XXXX. XXXX pulled a copy of my credit report from Experian, and I have an old fraud alert from 7 years ago, when I had an ID theft. The report said for them to call me at the number on the report to verify my identity, prior to extending credit. I have been through this same routine multiple times over the years since my ID theft occurred. However, today, Experian failed to provide any number on the report to XXXX, and I was not extended credit by XXXX, because of the failure on the part of Experian to provide any phone number at all. I know that they have a number in my report, because I purchased a new car 1 week ago, and went through this same ordeal then, and the vehicle dealer specifically told me they were using Experian. However, today, after 2 hours of trying to contact Experian, I was unable to find any way to solve this problem, after calling several numbers I found online and trying all the prompts. Their entire phone system is extremely useless and elusive, and only trying to sell credit reports or scores. They do not have any care for the people they serve, and they have no one to help. Additionally, I created an account on experian.com, and was unable to find anywhere to list a phone number for myself in their system, which also is mainly geared toward trying to sell overpriced monitoring products. Now I have a new " hit '' on my report from the bank that XXXX uses, but due to the failure of Experian to provide a phone number, I am unable to receive credit for this hit. I need them to remove this from my file, and to give me a way to verify myself online and enter personal data, or speak to a live representative to help fix problems in the report. I feel that their entire agency is a failure, as I alluded above, I had two prior extensive issues where I was eventually unable to solve the problem. PLEASE HELP. PLEASE DO SOMETHING. We need change, we need these agencies to be run differently. I can not live my life when it is controlled by an entity that can not supply the services that are required for simple day-to-day issues.
Product: Debt collection

I do n't believe this ... ... I am right in the middle of financing and the lender had to pull my credit one last time before I fund ... .. all of a sudden I have literally have 9 collection account appear on my credit from Rash Curtis & Associates XXXX I do n't know who they are or what this is about but I have never received 9 different collection notices from them. I HAVE NEVER EVEN RECEIVED ONE!! 

I am going to file a complaint with the FTC and the Attorney Generals office