23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX XXXX XXXX I took out a loan to install some heat pumps in my house. The total was approximately {$2200.00}. I was informed that the loan was to be interest-free for XXXX months, at which time I would be charged the typical exorbitant rate. I was never informed that this interest would be retroactive to loan origination date and was led to believe I would be charged interest on loan balance, as I have on every other loan or credit card I have ever used with a promotional rate. After XXXX  months my loan balance was down to {$7700.00}. On my next statement I was assessed and interest payment of {$8300.00}! I have contacted the bank and was told I should have read my statement more carefully. In hindsight I should have but I never would have believed that this practice and I had never encountered this type of loan in my life and still can not believe that this practice is legal and it is certainly not ethical. I made every payment on time and never expected the astronomical fee.I feel violated.
Product: Debt collection

XXXX XXXX has default judgment against me for a GE Care Credit Card debt. I was NOat served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for GE Care Credit I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years GE reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.
Product: Debt collection

I received an email from Experian on XX/XX/2019 that I now have debt collections from Credence Resource Management and owe {$1400.00} to them. I made a dispute against this claim through XXXX  simply because I do NOT have any kind of account with Credence Resource Management, nor have I ever been associated with this company. XXXX  emailed me today that Credence Resource Management 's information is accurate for the debt collections against me. I have NEVER received mail for any kind of billing statement this company is accusing me of owing. Therefore, I am unable to attach any kind of documents to this complaint as I have never received any kind of documentation from this company. Additionally, I do not know the service this company is claiming that I owe to them. I have researched the company to be associated with XXXX XXXX XXXX XXXX, which again I have no association with as I have XXXX. I believe this activity to be fraudulent as I have no knowledge of this company or have ever received any kind of mailing statement from them. Unfortunately, this has decreased my credit score significantly which is very frustrating and would like resolved immediately.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness. 

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

Following fraud discovery when Capital One issued cards under my account to two scammers in XXXX, our old account was closed and new cards were issued. On our XXXX bill, a scooter rental for {$10.00} was charged to our old card, and as per instructions on the reverse of the bill, I wrote to inform them that this was a fraudulent transaction. Capital One responded in a letter and claimed the charge was legitimate. I phoned a number for Capital One Fraud Department I had from my XXXX contact, and the agent resolved the problem. 

Due to this, we did not activate the new cards issued to us, deciding to wait until we found out if this matter WAS resolved. 

We received the XXXX bill and three fraudulent charges for XXXX XXXX downloads were listed on the bill under the account number we never activated. I phoned the Capital One Fraud Department demanding an answer. 

The third agent with whom I spoke claimed the reason for these charges was due to what she termed, " The Visa Automatic Billing Update. '' She explained that this is a service they do for XXXX when a new card number is issued. I stated, " That would never stop fraud. '' The agent stated, " Yes. '' We cancelled our Capital One account. She claimed that we may still get bills. She said that we will NEVER be issued a Capital One card ever again.
Product: Debt collection

I received a credit reporting alert that a company XXXX Cash Factory USA is reporting to credit bureaus ( XXXX, XXXX, XXXX ) a {$420.00} collections delinquent for non-payment. This is a fraudulent attempt to collect a debt I NEVER owed. This has negatively impacted my credit score. Please take action against this company. I have already contacted XXXX, XXXX and XXXX to report this fraudulent activity. I have also escalated this matter to my legal team and State 's Attorney. Please instruct this company to delete this fraudulent account from my credit file ASAP.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding accounts on my credit report that have been marked as " verified '' and " updated, '' but I have not received any supporting documentation or proof to validate these accounts. 

Despite my request for verification, no evidence of these debts has been provided. This failure to provide proper documentation violates the following : FCRA Section 607 ( b ) : Information must be accurate and complete.

FCRA Section 623 ( a ) ( 5 ) : Disputed accounts must be marked as disputed.

FDCPA Section 809 ( b ) : Creditors must validate the debt upon request.
Product: Credit reporting or other personal consumer reports

ALL THE INQUIRES ON MY CREDIT REPORT ARE FRAUDULENT. PLEASE HAVE THEM REMOVED RIGHT XXXX XXXX/XXXX/2025 XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XX/XX/scrub>/2025 XXXX XXXX XX/XX/scrub>/2025 PLEASE ALSO UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX
Product: Student loan

Attempting to get on the XXXX XXXX since XXXX XXXX 2023. Have never received updated payment. Recipient incorrect billing statement which had payment double the estimated amount.
Product: Debt collection

I, just today, realized that XXXX XXXX is reporting the wrong amount as a negative on my credit report. I was initially contacted by their affiliate ( XXXX  ) demanding {$1700.00}. They fraudulently and falsely claim to the credit bureaus an inflated amount of $ XXXX. This harms my credit and makes it look worse than reality. 

I have no agreement with XXXX XXXX, whatsoever, let alone one that allows them to charge me in addition to what Synchrony Bank believes that I owe them. Thus, XXXX XXXX  CAN NOT claim to credit bureaus that I owe anything over {$1700.00}. 

In addition, the " debt '' is so old that they should not be reporting it at all anymore. This, too, harms my credit and causes me a great deal of damages. I am paying far too much for my car loan and for my credit cards now, as a result. XXXX is the ONLY negative on my report according to XXXX XXXX XXXX XXXX XXXX. Thus, there is no one else to blame for higher interest rates and denied applications.
Product: Student loan

Ive tried to repay my student loan XXXX times and each time it goes thru but then it goes into payment reversal. Ive called customer service several times and nobody helps. Ive also called my bank and I have no credit spending problem, Im not on vacation mode. Please help me so I can pay my loan.
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 : XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 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: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XXXX, I became aware of the Equifax data breach/hack that happened between XX/XX/XXXX and XXXX of 2017. Using their victim identification site, equifaxsecurity2017.com, I was listed as a potential victim. My information, along with the information of hundreds of millions of Americans, was clearly mishandled by Equifax and puts us all at risk of identity theft and the negative consequences of that. 

Furthermore, Equifax was negligent in its handling of alerting potential victims. Not only did Equifax not notify anyone quickly enough, it has admitted it will not notify everyone. Furthermore, credit freezing should be done free of charge and not require a police report to be free. It is absurd to require a police report when the damages of identity theft can occur much sooner than knowing a crime has been committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not allowing me to place a credit freeze easily online. They want me to go through the trouble of mailing all sorts of confidential information via mail. Probably a tactic to get people to upgrade to their $ $ service. Here is the message I get when I try to freeze my credit file. 

RESPONSE FROM EXPERIAN : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 

Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.
Product: Credit reporting or other personal consumer reports

Checking my credit report a few months ago, I discovered errors regarding the account of PORTFOLIO RC ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the collector itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit card or prepaid card

My dispute has been forwarded to citi executive response team to resolve my fraudulent charges on my Sears Credit Card # XXXX. They sent me pdf messages that when I recieved them the time were already expired. I tried to explain to them that Im a XXXX XXXX and dont understand a lot of computer stuff and my phone dont work correctly. 
Ive talked to several persons at citi executive response team XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX supposed to call me back on XXXX of XXXX 2021. I called her back the voice message forward me to another person. They keep passing the Torch. So this is why I requested that we communicate in Writting by Mail and send it through the United States Postal Service. So I can have proof of what the conversations was about resolving the fraudulent charges on my sears credit card.
Product: Debt collection

this company did NOT act appropriately as authorized by contract of law. 

this derogatory account/ report appeared on my credit bureau reports with XXXX  and XXXX credit bureaus in XX/XX/2019. I repeatedly requested verification of debt with a signature and was informed I must contact the collection agency as they did not maintain files of each customer. Each time I received a letter that the creditor had " updated '' my file. Before doing this I noticed that the original creditor was XXXX XXXX Hospital, wrongly I assumed it was XXXX  Florida. 

The original creditor was listed as XXXX XXXX Hospital and Lockhart Morris Montgomery account XXXX as the collection agency on these credit bureau reports In Florida the major governing medical billing agency is XXXX, they do in house billing. I called XXXX XXXX Hospital, XXXX, Fl. and they had no record of me owing this amount for the date of XXXX XXXX as listed by the collection agency. I called XXXX. They had no record of this amount for this date of service. 
I wrote a letter to Lockhart, Morris an Montgomery requesting A SIGNED CONTRACT, either between them and the hospital or myself and the hospital. They sent me a statement from XXXX XXXX Hospital, XXXX, GA showing the medicines and services I allegedly received, with a XXXX BALANCE OWED. The amount of {$260.00}. was no where indicated. Are they allowed to have access to medical records/emergency room medicines of any one? 

Additionally, this has severely damaged my credit and any attempts to obtain credit. 

I have tried to resolve this on my own for 6 months. Now, I need your help. 

Are they legal and reputable, or as their Texas XXXX XXXX XXXX  file indicates, ( with 79 complaints ) they are not.
Product: Checking or savings account

Im trying to apply for the wells Fargo complaint Ive been with them since XXXX and Ive had paid so many fees and just various charges and things have gone on with my account
Product: Debt collection

XXXX XXXX XXXX filed a collection through the company XXXX XXXX XXXX ( Account # XXXX ) for the amount of {$650.00} for a health plan for a dog named XXXX that does not belong to me since I only have XXXX dog named XXXX and my account is in good standing with no outstanding balance. 

In Accordance with the Fair Credit Reporting Act Account # XXXX of XXXX. XXXX, XXXX, Has violated my rights. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00}
Product: Debt collection

I filed an injury report with my employer in XX/XX/2011, resulting from improper working conditions, and was ordered to undergo an examination by the employer by the employer 's chosen doctor, XXXX. Under Illinois law, the employer, XXXX was required to pay for the examination. 

Later, after a workman 's compensation complaint was denied by my employer 's insurance, the employer refused to pay for the examination. 

XXXX then demanded that I pay for the examination. I told them I did n't owe it. I told them to submit it to my medical insurance, XXXX, if they insisted the debt was valid, but, since I did n't legally owe the debt, they refused to submit it to the State of Illinois since it would be a crime for them to do so. 

They turned the debt over to a collection agency, ATG Credit, XXXX, XXXX IL XXXX. I disputed the debt in writing, but ATG Credit has never provided me with proof of the validity of the debt. 

ATG Credit continues to report it as an unpaid debt. They have refused to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I demand deletion of the items and information plus I demand monetary compensation if they are not removed.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX XXXX XXXX  Account number XXXX
Product: Debt collection

After an unauthorized deduction from my bank account, I was advised to check my credit reports and after doing so, I found that XXXX XXXX XXXX was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX data breach, in which all of my personal, financial and electronic data had been stolen. I received letters from The law offices of Hayt, Hayt & Landau attempting to collect an amount they claimed was due to XXXX XXXX XXXX by me. A dispute letter was sent to both the law firm and XXXX XXXXXXXX XXXX advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the XXXX XXXX XXXX account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the unauthorized fraudulent charges. I never received a response or any of the documentation validating the charges and proving my liability for the amount they claimed I owed. Now Im being sued with this law office paying the attorneys for the plaintiff XXXX XXXX XXXXXXXX.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX is purposely causing confusiuon, by repeatedly filling out claims forms incorrectly, and billing patients credit cards for services before submitting claims correctly to insurance company. 

these XXXX items are iun direct violation of their contracts with the XXXX XXXX XXXX  XXXX XXXX XXXX IS THE NAME ON CLAIM FORMS CHASE BANK DOES NOT UNDERSTAND THAT THEY NEED TO INVESTIGATE, NOT JUST STATE THEY HAVE. 

DATE OF SERVICE XXXX on both credit cards below BY CONTINUING TO BILL ME {$4000.00} ON CREDIT CARD # XXXX XXXX XXXX XXXX AND XXXX XXXX {$1000.00} ON CREDIT CARD # XXXX XXXX XXXX XXXX they are accessories to this crime. 

yes send this to CHASE BANK for a response AND THEY MUST REVEAL ALL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND RESPONSE TO ME AS TO THIS DENTISTS BILLING XXXX PATIENTS ION DAY OF SERVICE AGAINST THE LAW