23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received several calls from a group called Medicredit. When I was finally home and answered the call, they lied and told me I owed ( I believe it was something like {$1400.00} for my original bill ). Then they told me I actually just owed {$800.00} as the hospital reduced my bill for self-pay. Then they told me that I really owed {$400.00} but they would make a deal with me and allow me to pay {$220.00} if I paid it by the end of the month. I had been paying the hospital $ XXXX {$20.00} each month and Medicredit claimed they didn't have any record of those payments. I originally agreed to pay the {$220.00} but in the meantime I called the hospital and asked them about the amount of the bill as it was not what the paperwork had been saying when they billed me and asked them what happened to the monthly payments I had been making. I spoke with XXXX in the billing dept.at XXXX in XXXX, NC. She said her records showed that I had been making the monthly payments and that I only had {$110.00} left to pay. She told me she put my account on hold that day as we spoke ( earlier in XX/XX/2021 ) because of all the questions she had about what Medicredit was saying to me that didn't match what XXXX had on their records. Since I had just received my stimulus check I immediately sent XXXX the {$110.00} balance. I have a statement in front of me from XXXX XXXX XXXX # XXXX dated XXXX where it shows that I paid them the final {$110.00} and I owe {$0.00}. After I spoke to XXXX at XXXX and she told me I only owed {$110.00} - Medicredit called again and I answered the call and explained that my account was put on hold and they denied that was true - and said they had not received anything from XXXX even though everything is on a computer. Even when I spoke to XXXX about 6 weeks ago, she said she didn't understand where Medicredit was getting those amounts from as I never owed that kind of money. Medicredit continues to call me. I just received a call a few minutes ago. This is my best recall of the information. If I thought it was going to continue even after I paid the bill I would have made extensive written records - so the dates are approximate. 
Go ahead - publish this information so Medicredit can stop lying to other people and trying to get money from them that we do not even owe.

Beware - check all your medical bills by calling the providers. If I had responded to their initial information I would be paying over {$1400.00} ( instead of the {$110.00} that I actually owed ). It is amazing that every amount Medicredit told me was a lie - I confirmed that with the hospital. 
Fact - We need national health care ( like almost every other country in the world ) for this exact reason - greedy vultures.
Product: Credit card or prepaid card

My credit card payment is due on the first i usually pay it the day before or on the first. I paid both my credit cards on XX/XX/XXXX. My XXXX XXXX card with barclay did not post my payment i got charged {$25.00} late fee and {$16.00} interest. I have requested that they please refund those charges. update their system and do not report this against my XXXX credit score. I am awaiting their response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Request for Validation of Debt ( Account Number : XXXX ) Dear Amsher Collection Service, I am writing to formally request validation of the debt that you claim I owe, as referenced in your records under the account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation for any debts you seek to collect, and it is my intention to ensure that this debt is legitimate and accurate. 

# # # Account Information : - **Account Name : ** XXXX XXXX XXXX - XXXXAccount Number : ** XXXX - XXXXDate Opened : ** XX/XX/year> - **Current Balance : ** {$260.00} - **Original Balance : ** {$250.00} - **Original Creditor : ** XXXX # # # Request for Validation : To properly assess this debt and my responsibility for it, please provide the following documentation : 1. **Verification of Debt : ** Please provide a detailed statement outlining the amount you claim I owe, including any fees, interest, or additional charges applied.

2. **Original Creditor Information : ** I request that you provide the name and address of the original creditor ( T-Mobile ) and any information that verifies that the debt was transferred or sold to your agency.

3. **Payment History : ** I request a complete payment history for this account, indicating any payments made, dates of those payments, and how the outstanding balance of {$260.00} was arrived at.

4. **Legal Documentation : ** Please provide any legal documents or agreements that authorize you to collect this debt on behalf of the original creditor.

5. **Proof of Ownership : ** Evidence that proves you own the debt, along with a copy of the original agreement or contract that I signed with the original creditor.

# # # Dispute of the Debt : I believe there may be inaccuracies in your claim, either regarding the total amount owed or the legitimacy of the debt itself. I will not be making any payments until this matter is resolved and I receive the requested documentation.

# # # Communication Preferences : Please communicate with me in writing at the address provided above. I request that you cease all phone calls and verbal communication regarding this account until my request for validation has been satisfied.

Failure to provide the requested verification will result in the removal of this account from my credit report, as required by the Fair Credit Reporting Act ( FCRA ).

Thank you for your immediate attention to this matter. I look forward to your prompt response within the legally required 30 days. 

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

XXXXXXXX XXXX XXXX placed a item on my credit report with a balance of XXXX this account was incorrectly reported. The account has been paid .And has a XXXX balance but it should have been placed on my daughter 's credit report not mine. I never used XXXX XXXX XXXX XXXXXXXX this account was opened in Alabama. My daughter apparently put me on her account if I need towing service. But this account was not opened in my name. My daughter advised me she paid it. But the company placed on my credit file instead of my daughter. I have resided in Nevada since 2012 see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, Engelhardt V. Gravens ( XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX
Product: Credit reporting or other personal consumer reports

This is my FOURTH time reaching out to yall about these unverified accounts that are still on my TransUnion credit report. Im talking about accounts that shouldnt even be there, violating 15 U.S.C. 1681. This is unacceptable, and we need to get it DELETED out ASAP.

Now, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law to provide me with a detailed description of the procedure used to determine the accuracy and completeness of the information on my report. This includes the business name, address, and telephone number of any furnisher of information you contacted. And youve got 15 days to get this information to me thats the law! 

Last time, yall told me in writing that you " verified '' these items. Alright, but who exactly in your company did this verification? How did they verify it? I need the name, business address, and telephone number of the person or business you contacted during your reinvestigation. Plus, I need to see the documentation you used to verify this dispute. Show me the evidence! And let me be clear : I expect to see my original contract with my signature on it. 

As of now, you have NOT provided me with any hard copy documentation showing that these accounts have been properly verified. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA, you are required to promptly DELETE all information that can not be verified. The law is crystal clear on this point.

If you fail to comply, the Civil liability and remedies for " negligent noncompliance '' under Section 617 will be enforced. I am fully prepared to pursue litigation to protect my rights under the FCRA. 

I demand that the following accounts be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received a toll violation bill from XXXX  XXXX XXXX and Toll for a vehicle driving in the HOV lane. The vehicle had been sold more than a month previous to the violation. Photo of the vehicle showed " temporary tags ''. I presented including a bill of sale of the vehicle for more than a month prior to the toll violation. After several months and sending documentation approximately 8 times was told the violation was resolved and that notification would be sent to their collections company, Professional Accounts management to remove the debt. On XX/XX/XXXX, received notice that the debt would be removed in 3-5 days. It has still not been removed nearly 3 months later and neither company will respond to written requests to remove the violation and debt.
Product: Credit card

Capital One Bank returned a payment check made on our account because it was over the amount of the balance. According to both the cardholder agreement and a telephone conversation with Capital One Bank on XXXX/XXXX/2016 only balance transfers made online are required to be submitted for an amount at or below the balance due. This payment was made with a two-party check endorsed from our company to Capital One Bank. Instead of returning the check to our address on file, Capital One returned the check to the payor address listed on the face of the check along with a letter with account specific information ( email confirmation of details provided to third party attached ) including balance details. Providing this information to a third party without our express consent is a violation of both the Capital One cardholder agreement and federal law.
Product: Debt collection

On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life.

Bankruptcy Chapter XXXX-discharged, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

There are also a number of inquiries that I did not approve these people to run my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally notify you that I am a victim of a data breach, and as such, I am requesting that you block and delete the following accounts, as well as any related inquiries, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These statutes provide me the right to request the removal of fraudulent information resulting from data breaches. 
The following accounts and inquiries need to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX OF XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. XXXX XXXX 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: Credit reporting or other personal consumer reports

I have a credit freeze on file with the XXXX major credit reporting companies. XXXX and TransUnion do not offer two-factor authentication for the accounts that people are required to set up with these companies in order to establish a credit freeze. ( XXXX does offer XXXX. ) Very little personal information is required to set up these accounts, and as a result they would be very easy to hack, particularly given the number of major data breaches there have been, including of XXXX itself in 2017. XXXX offers two-factor authentication for certain of the paid services if offers. Why isn't it -- and TransUnion -- required to offer XXXX to consumers who are trying to protect their financial information?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed these disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.
Product: Credit card

I've consistently made timely payments on this account, ensuring they're never overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with addresses appearing on my file that do not belong to me! the following addresses are no mine please delete XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX MLK XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against the following creditors and collection agencies for their failure to conduct proper investigations into fraudulent accounts and unauthorized credit inquiries appearing on my credit reports. Despite multiple disputes, these entities have not provided the legally required documentation verifying these accounts. I demand immediate action to rectify these violations. 

Fraudulent Accounts : XXXX. XXXX XXXX  Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$3100.00} Balance Owed : {$3100.00} Address : XXXX XXXX XXXX, XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$11000.00} Balance Owed : {$11000.00} Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1500.00} Balance Owed : {$1500.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$1900.00} Balance Owed : {$1900.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX Account Number : XXXX Account Status : Closed Charge Off Payment Status : Past Due {$2500.00} Balance Owed : {$2500.00} Address : [ Not provided in available sources ] XXXX. XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Agency/Attorney Original Creditor : IL Department of Human Services Amount Owed : {$5400.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX  Amount Owed : {$260.00} Address : [ Not provided in available sources ] Legal Violations : 15 U.S.C. 1681e ( b ) : These entities are legally required to ensure maximum accuracy in credit reporting. Their failure to remove these fraudulent accounts violates federal law.

15 U.S.C. 1692g : They must provide verified proof of these debts, including the original signed application or contract. Their continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately. 
15 U.S.C. 1692c : This statute restricts communication with consumers at unusual times or places known to be inconvenient. Despite notifying these entities of the fraudulent nature of the accounts, they have continued to contact me, causing undue stress and inconvenience.
Product: Debt collection

The collection company said if I did not pay the collection that they would file a warrant against me and I would be arrested for not paying the collection that I knew nothing about and then kept making harassing phone calls to me.this collection must be removed from my credit report this is wrong and against the law.
Product: Checking or savings account

I have been a member of Wellsfargo bank for 5 years with out any incident. I added my XXXX XXXX too my account and became XXXX on his acct but since I am the adult it is in my name. My son was scammed and tried to deposit checks into his account that were not real. I had no idea this took place until I received a letter stating a check for {$6700.00} had tried to be deposited on XX/XX/XXXX using a Wellsfargo atm. Upon discovering this I immediately called the bank to find out what was going on. I was informed that all 3 of my accounts were being closed not just his account. The reason for closing my account is that Wellsfargo alleged my login credentials were used to deposit these checks. There is no way this is possible. I have a XXXX XXXX set up on my Wellsfargo app so noone can get into my app on my phone but me. These checks were not deposited into my accounts but into my sons. Wellsfargo alleged that I used my mobile app on my phone to make 2 of these deposits however they said the location of the deposits being made were in Pennsylvania. I live in XXXX XXXX XXXX hours away this occurred on XXXX  I was at work so there is no way I was in XXXX Also there is no trace of any mobile checks being made from my phone. I went into a branch and a person banker looked in my app and couldnt find any deposited checks via the mobile app. The 3rd deposit was made using a local Atm once again my debit card wasnt used to make this transaction my son used his debit card linked to his account. By there on admission they are only closing my accounts because my information was allegedly used. However just as I explained this was not possible. This has caused me hardship bc of my funds being held, my paycheck not arriving on time, and because my account is being closed due to fraud its making it hard for me to find another bank. I am a victim of fraud however I am being treated like a criminal. Every time I call to resolve this. I am being bounced from dept to dept, being told different things and with no real resolution other than my acoounts being closed. Wellsfargo did not properly research these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PAXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$450.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX