23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Personalized Collection Services - XXXX XXXX called me in XX/XX/XXXX stating that he was calling to collect a debt owed to XXXX XXXX XXXX. I have only been to XXXX XXXX hospital one time in my life. I stated that I had met my deductible at the time I had went to the hospital and my XXXX XXXX was completed at another location. I was not sure what the XXXX I owed was for? He stated he would send me an itemized bill. He sent me a hand written bill that looked to be non official with no real explanation of what these services were I received or why I owed that amount when insurance should have covered it if they had billed correctly. I should not owe over 800 dollars for a office visit with a XXXX. So I expected some kind of understanding of why I would owe this amount. I called the hospital and they stated they were not sure what services were turned into collections. I proceeded to ask the hospital if they billed my insurance and they stated that since I told them it was in collections they could not discuss it and I would need to call the collection agency. They also stated ; I don't own them anything. I received numerous calls after that from the same place Personalized Collection Services. However, when I would answer I could just hear breathing. On XX/XX/XXXX the individual called me back XXXX XXXX and stated that I should have received the itemized bill and asked me WHY I hadn't called back. I stated that I tried calling the hospital to talk to them about the billing issues and to understand why I owed that. He replied that only takes 30 days for a dispute with the hospital. I tried to explain the above situation to this individual and he went into another personality. He started getting angry and rude. He stated " This is your debt and we intend to receive it from you. '' I stated that I understood he believed it to be my debt but I know there is an error somewhere with the billing process because my insurance should have covered the visit that was made to XXXX XXXX XXXX the ONE time I ever went there. He continued to get louder and stated that he needed an answer as to when I would pay this bill. I told him he was being rude and that I just stated I was waiting to get more information from my insurance and the hospital. He stated I'm not being rude you owe us this money and I'm going to get it. I told him he was being very rude and an XXXX. Yes I know, I used profanity but he was very angry on the call and I felt threatened. He then stated you know what I'm going to do contact your employer and put it on your credit. He went on to rant about other things he was threatening he'd do but I then hung up. I believe this bill is in error. I also NEVER received any billing statements from the hospital or phone calls from the hospital asking to receive payment. I do not trust this company is legit and wonder if they are not trying to scam me out of my hard earned money. The hospital will neither confirm or deny if this is a collection agency they work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Credit Acceptance because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The lending company ( Credit Acceptance ) refused to repossess a junk car. I tried to take the lending company to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.
Product: Credit reporting

Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, XXXX, and Equifax ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to unfreeze my report. I was asked for my full social security number and I refused. I gave them the last 4 digits and they were able to complete the process. There was no reason to ask for my full social security number if the last 4 digits gets them to my file. This is a dangerous procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX payment history is reporting inconsistently. 

XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Experian says 'ok ' XX/XX/2018 XXXX says late 'XXXX ' XX/XX/2018 Experian says late 'XXXX ' XX/XX/2018 XXXX says late 'XXXX '
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX and XX/XX/2022 it started sharing my private data XXXXXXXX credit bureau and Equafix credit bureau Are in direct violation of the fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly state 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 instruction.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late payment for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Report Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report ( Exhibit A ), I see unauthorized and fraudulent hard inquiries from XXXX XXXX XXXX on XXXX XXXX - XXXX XXXX- and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a legal resident in USA, working in a position as staff for XXXX XXXX. I have a USID ( PID XXXX ) from Department of State that is never accepted by any of Credit Score Agencies or enterprises, because is not recognized by anyone, although I have a sane financial statement and I don't have debts. 
I have my SSN but is not accepted by Credit Score Agencies, because is only for work. I have my XXXX visa and I am discriminated continously when I try to acces to any service taht requieres credit score or report from credit file. 
I don't have TIN, because I pay my taxes in my origin country. 
The last problema has been applying for a TJ MAx card. 
My files can be queried in XXXX, XXXX and/or my bank ( XXXX ). 
That's a discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a phone notification that I had applied for credit with XXXX XXXX XXXX, and have not. Called them and they said that they will canceled the application and for me to contact this web site to stop this from happing again.
Product: Checking or savings account

XX/XX/XXXX a withdrawal from my account for XXXX XX/XX/XXXX a withdrawal from my account in XXXX XX/XX/XXXX a withdrawal for XXXX I called Bank of America on XX/XX/XXXX when I logged into my account and saw that they said my account was on hold for suspicious activities. I looked and there were a bunch of transaction that I did not do. They are from XXXX and XXXX. I have not bought anything or been to those places. I filed a request for a claim they did not grant it. The bank said I must know the person and I authorized them. That is not true at all. I dont know if the bank is trying to steal my money but I did not do that. I didnt receive any notification or anything they just let these people steal my money. I need my mo eye back I am on a fixed income. Please help me I dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 
XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Mortgage

Recently I submitted an additional complaint of fraud relating to PHH and Ocwen. For over 2 years when I called PHH they advised they could not assist me because my loan was not brought over from Ocwen after my CFPB complaint miraculously they put me in the system. Last week PHH sent an email stating it was an answer to my questions, it shut my email down and their email disappeared. After which all my mortage related emails disappeared. XXXX assisted me with getting them back. Today I received fraudulent documents from PHH to cover up fraud and the sale of my house in Georgia, documents they repeatedly said did not exist. XXXX XXXX, XXXX FRAUDULENTLY Submitted foreclosures documents electronically to XXXX XXXX. Shortly thereafter the principal party was fired from Ace, he was involved in another fraud that went to court. The foreclosure documents were filed and notarized by a married couple in real estate with a fraudulent cloud hanging over them, Ace was the front. Behind the scenes there were multiple real estate agents and companies as ghost interest parties all taking part in the high equity in my house. The current buyer listed does not live in the home but was one of the original buyers when I legitimately put the home up for sale. She backed out and then obtain the house through fraud. Kindly reference Ocwen 's letter of apology XX/XX/XXXX for losing my 3rd trial modification payment. Ocwen 's scheme was to continuous do modification and obtain funding and tack on additional finance charges to mortgage. Please reference the XXXXprincipal reduction from XXXX XXXX and the 2nd mortgage XXXX  in XXXX. Despite PHH attempting to collect that in XXXX, XXXX, XXXX. In XXXX I had a principal balance of XXXX please remit the funds from the sale of my home and my title. I was not behind in payments and false document were submitted stating I lived in Pennsylvania and notification was sent there. These are criminal acts and should be viewed and resolved as such. Do the math XXXX balance in XXXX and 10 years later sold below value for XXXX then XXXX
Product: Credit card or prepaid card

I am writing now in hopes to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a crucial role in this procedure. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and days late to the credit bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX and XX/XX/2016 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Mortgage

My closing cost change many times, I had 3 estimate costing close and one closing disclosure cost, in my first estimate I had to pay XXXX, than less than a week send another estimate for XXXX, than for a XXXX, now in the closing disclosure is XXXX. Also the lender have change the day for closing several time, first was XXXX XXXX, than XXXX XXXX and a possible closing for XXXX XXXX, and now is on XXXX XXXX, they did n't notify me when they chance the one that was on XXXX XXXX, even right now I do n't know the hour of the closing for XXXX XXXX, I had contact the lender and let them know that I need the closing on XXXX or XXXX, becuase I have until XXXX XXXX at XXXX to turn in the apartment or I have to pay a full month. Also I had contact the lender about the closing cost, and they do n't give a clear numbers, they said that was a mistake that it will be correct on the closing day. Also need to close before XXXX XXXX because I do n't work in the weekend so I can move my belongs, Just need to rent a truck and a few movers. but if is on XXXX XXXX than I need to hire movers and the truck and have more cost to me. Also my kids will lose class day because I need the evidence that I buy the house to enroll them to the new school. 

In resume this situation have cost me more money, they change the closing cost and not even be responsible with the day of the closing and move it at they conveniens and not my as a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The XXXX  XXXX XXXX dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XXXX 2019. This data was sent to Equifax, XXXX, and XXXX  but the charge offs and account matters are being reported despite the court dismissal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 


XXXX XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I let you know the fraudulent account I found on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding an older collection debt {$850.00} from XXXX that had fell off my credit report. It has now reappeared in XX/XX/XXXX by a collection company called Credit Corp Solutions reporting that this account was opened in XX/XX/XXXX, so it looks like they have re-aged a fairly old debt without any communication with or from me that could actually re-age it. This is fraudulent behavior. I have not at any time been in contact with any agency regarding this 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 XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX And 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After moving into my new home in XXXX of 2022 about 2 months down the line in I believe XXXX or XXXX I got some electrical work done at my home from a company name : XXXX XXXX who also had ran my credit score and eventually ending financing me with a bank by the name of Ally Lending for about {$4700.00} or XXXX. Sorry but I don't have the Receipt/Paperwork in my possession but I do have all the information if you need it but anywho I was given payments of {$71.00} a month for I think 36 months so I was inform that due to me financing and having to pay interest on the work that was done to my home I was fine but only because I was under the impression that by me receiving the loan it'll go straight towards my credit as I mail the payments but once I ended checking my credit report yesterday I noticed that it was never reported but it was noted that Ally did a Credit check that day but no lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/2020 Experian GLOBAL LENDING SERVICE Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX CREDIT/JONES XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX ACCEPT Auto Financing XX/XX/2020 Experian NOWCOM/CERTIFIED AUTO Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX BANK XXXX Bank XXXX XXXX XX/XX/2020 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Mortgage

I opened a Home Equity Line of Credit with USBank in 2019. At the time, I was pleased with the process of opening the account as USBank told me that I would be charged a low interest rate and that there would be no costs at closing and no costs to terminate the account. 

Fast forward a few years, I am currently moving and have to close my HELOC to close on my property. I called USBank to pay off my balance and close the account. At that time, they told me I would subject to a {$500.00} closing fee. As soon as I heard that, I disputed this fact while they told me it was in my contract. I informed them that I led to believe this would not be the case. I asked them to pull the transcript of the call from 2019 to confirm what I had in my notes from the original opening call. After XXXX calls with USBank, they refused to honor my request and told me that I was not able to receive any further information regarding the sales process or their sales tactics. I am at a loss and am heartbroken that such a large institution would be so brazen with their deception and double talk
Product: Credit card

My XXXX XXXX and Citibank credit card information was given to merchant XXXX XXXX online but after a month my Financial information was jeopardized so I closed my bank account and froze my Citibank credit card. In spite of which merchant was allowed to charge Citibank credit card. So I complained and eventually canceled my card. 

However now I'm receiving collection agency letters representing Citibank attempting to collect. I'm being harassed and since I disputed ALL the charges and fees as unauthorized and therefore UNACCEPTABLE. 

Can you please help?
Product: Credit reporting 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 : Account Number : XXXX : Balance : {$2200.00} Account Name : XXXX XXXXXXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Money transfer, virtual currency, or money service

My cash app got hacked via XXXX when I reached out to cash app they denied my claim and also closed my account. Although Im still able to log in cant use the account at all. And I never got my money back close to {$900.00} was stolen never recovered my cash app is $ XXXX