23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Revco Solutions , Inc. 
XXXX XXXX XXXX XXXX, OH XXXX Subject : Debt Dispute Reference Revco Solutions # XXXX Dear Sir or Madam, I am writing to formally dispute the total debt amount of {$210.00} listed in your letter dated XX/XX/year>, related to medical services provided by XXXX XXXX XXXX XXXX account number XXXX. 
When I scheduled these medical appointments, I was covered under XXXX insurance and was very diligent in verifying eligibility, coverage, costs, and copayments beforehand. After a pre-authorization visit, XXXX XXXX XXXX XXXX FL, confirmed that my eligibility was active, that they were in-network with XXXX, and that I was only responsible for two copayments of {$65.00} each. They assured me that all billing adjustments would be made accordingly. 
However, I am now being charged additional amounts for procedures that I previously verified and that were part of the preventive checkup recommended for women over 50 according to the XXXX XXXX XXXX XXXX XXXX guidelines. Furthermore, my doctor only ordered a XXXX XXXX  not a full XXXX XXXX 
Since I fulfilled my responsibility as a patient by confirming coverage and costs in advance, I request clarification on this matter and the removal of any additional charges that do not align with what was previously agreed upon. 
I have attached a copy of the account statement from XXXX XXXX XXXX as supporting documentation for my claim. 
Please confirm receipt of this letter and provide a resolution to my dispute as soon as possible. If further information is required, feel free to contact me using the details provided above. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in certified letters to Equifax indicating proof of the discrepancies on my credit file from the month of XXXX up until XX/XX/XXXX. Do you know they send in a letter dated back to the month of XXXX that indicated items were confirmed! Even copies of paid proof and fraud dating back to XXXX cause my purse was stolen. Not sure if Equifax is biased or they just procrastinating being slothful or what and just sit there and keep doing whatever they want to do ; when I have sent in substantial evidence to this bureau This in XX/XX/XXXX the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsconsider filing a lawsuit. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, I might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees. Because each time I sent certified letters it was {$18.00} each time dating back since XX/XX/XXXX, also gas to and from. The mental anguish of dealing with the bureau has not been easy at all.
Product: Credit card

I mistakenly sent {$28000.00} to First national bank of omaha to a dormant account from bill pay in my account at XXXX XXXX  in Louisiana. On XX/XX/XXXXXXXX  XXXX XXXX received instruction on how to get that mistaken money reversed back to my account. XXXX XXXX  took action and took steps to do what they were told. Today, XX/XX/XXXX, Omaha now has changed what they are requiring to get the XXXX back to me and will delay an unknown amount of time. They would not put anything in writing to ensure the second set of instructions on XX/XX/XXXX was actually accurate.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting information on my credit report. I have never signed a contract with them agreeing to pay them any money owed. It is reporting as a collection account as of XX/XX/2020. The statute of limitations in South Carolina to collect on a debt is 3 years. The statute of limitations has thus expired. They are also report the collection as past due every month. A collection can not be reported as past due. Please have XXXX XXXX XXXX verify this debt and show indisputable proof that I owe them this debt. If they can not, please remove from my credit report immediately as this inaccurate information is having a negative impact on my credit profile as well as my credit score. I am currently trying to purchase a home for my family and this inaccurate reporting is hindering me from doing so. Thanks for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Transunion, XXXX, XXXX for violating the Fair Credit Reporting Act ( FCRA ). I believe that inaccurate information is being reported on my credit report and I am requesting that this information be removed in accordance with the FCRA laws. 

I have recently reviewed my credit report from Transunion, XXXX, XXXX and have discovered that there are several late payments listed that I believe to be inaccurate. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to change the payment due date over the phone and never did so, resulting in an error.They agreed to remove the late payment. 

XXXX XXXX also needs to be removed as this reporting is unlawful. 

According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with Transunion, XXXX, and XXXX but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that Transunion, XXXX, and XXXX have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that Transunion, XXXX, and XXXX take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If Transunion, XXXX, and XXXX fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

As the XXXX bureaus have not done a lawful job of investigating, I need these accounts removed. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Debt collection

XX/XX/XXXX  XXXXXXXX XXXX XXXX  PRE-ARBITRATION SETTLEMENT DEMAND To whom It may concern : PLEASE ACCEPT THIS LETTER AS NOTICE THAT YOU ARE IN VIOLATION OF THE ARBITRATION AGREEMENT SECTION OF THE CONTRACT BY SELLING THE ACCOUNT TO THE THIRD-PARTY DEBT COLLECTOR, IN PERTINENT PART ANY BECAUSE OF THE BINDING AGREEMENT. NO ARBITRATION PROCEEDINGS HAVE COMMENCED THEREBY RESULTING IN A MATERIAL BREACH OF THE TERMS OF THE ARBITRATION AGREEMENT. 



I WISH TO SETTLE MATTER QUICKLY ON THE TERMS THAT YOU GET THE DEBT COLLECTOR TO DELETE THE INFORMATION FROM MY CREDIT REPORTS BECAUSE OF THE ILLEGAL ACTS. 

Also I wish to be compensated in the amount of {$2500.00} for Damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE AUTO LOAN WAS PAID OFF EARLY. MY VEHICLE WAS INVOLVED IN AN ACCIDENT, AS A RESULT THE VEHICLE WAS A TOTAL LOSS. MY INSURANCE COMPANY SENT A LUMP SUM PAYMENT TO WELLS FARGO BANK. THE LOAN BALANCE WAS OVER PAID. WELLS FARGO SENT ME THE MONEY OVER PAID BY MY INSURANCE COMPANY. MY LOAN WAS PAID OFF A YEAR IN ADVANCE IN FULL. 

WELLS FARGO PUT ON MY CREDIT REPORT A CHARGE OFF, DELIQUENT, COLLECTION AND A BALANCE CHARGE OFF. THERE WAS NO BALANCE OWNED AFTER THE LUMP SUM INSURANCE PAYMENT.
Product: Debt collection

I received a letter from XXXX XXXX XXXX regarding loan consolidation and loan forgiveness. After contacting XXXX XXXX with the customer service number provided in the letter, I spoke with a representative who explained the letter and after hearing about the benefits I decided to proceed. No payments that I've made to XXXX XXXX XXXX have been used toward my student loans and no paper work was filed on their part ( even with the outrageous service charge ). My first service charge was for {$890.00} on XX/XX/XXXX and I've been charged a monthly fee ( which I understood to count towards my loans ) of {$39.00} until closing my checking account in XXXX of XXXX. After trying to contact them to inquire where my payments have been going, my phone number has been blocked, emails are left unanswered and I no longer am able to communicate with this company.
Product: Credit card

I have had a Bank of America Credit Card since XXXX ending in XXXX. It was upgraded at some point to a Rewards Card. Then, at some point, I did not realize it, but Bank of America opened a second credit card for me in XXXX ending in XXXX and allowed my previous, original card to lapse XX/XX/XXXX. I only realized it when a replacement card came for the one in XXXX. I am furious about this. I did not give authorization for Bank of America to open a second credit card in my name. To make matters worse, I just saw there was a lawsuit against Bank of America for this very thing. What can be done?
Product: Student loan

I have had my Navient student loan for approx 7 yrs. I have had a payment due of average XXXX a month, this has been this amount for years. I received my monthly bill and it was XXXX for XXXX. I called to find out why and was informed that it was actually supposed to be XXXX a month and as of XXXX it would be that amount. I have NOT received any kind of notice of the increase. I spoke to a supervisor who told me the same thing. She was willing to reduce it to XXXX a month. I have always paid my account, in fact I have made extra payments when I can. How can they increase the amount due without any kind of notice? I keep all of my statements, every single one of them. There is NO notice of an increase. I was told that this was their policy. She also told me that she can now mail the policy to me. I want to know where this policy is and why the consumer is not notified prior to the change. In today 's day most of the population are on a budget, I am on a budget, to receive a bill that is more than expected is hard. But to find out that it was going to more than double is ridiculous. I can not pay that amount, I have to keep a roof over my head and my childs. Yes I work but I also live paycheck to paycheck.
Product: Debt collection

I have never had an account with these companies, I have never lived at the location they gave the service to, someone opened an account in my name at those locations and then never paid. I've been trying to remove it for 4 years now. When I last talked to the companies and told them this debt is not mine they told me I still needed to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to allow the consumer to dispute wrong information online without purchasing a Credit Report with a report number. 

They will ALWYAS show a generic " Unable to honor your request. '' message on the website.
Product: Credit card

On XX/XX/XXXX I saw a email asking if I was looking forward to my stay in this XXXXXXXX XXXX on the XXXX. I thought to myself while Im sitting here in my Indiana home. I made no such purchase. It showed the last 4 numbers of charge cards. I looked everywhere I could think of with those numbers. I decided to go through all of the cards which I personally closed the accounts. It was among them. I called. XXXX and asked how such a thing could happen. I dont even remember my password to get into it where they told me this card was attached. Called the hotel. I asked if they ask for IDs when ones check in? take pictures or ask for Their car license plate number. She said normally they do but sometimes the help gets a little relaxed. 
Charge was {$340.00}. Bank of America has now harassed me about this bill in XXXX disputes. 
My son is XXXX. My XXXX XXXX XXXX husband can hardly walk and my health is XXXX XXXX XXXX Going to XXXX would be last thing Id be doing. Furthermore I wouldnt spend that much money. on a hotel. This credit has been in my possession the whole time.
Product: Credit reporting

Irs public Lein removed off XXXX but not off Eqifax n a car loan paid and closed in XX/XX/XXXX Also XX/XX/XXXX a {$3700.00} bill not mine handled in divorce XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Capital One will not accept a transfer of reward points back into my account. On Saturday, XX/XX/XXXX, I transferred the points to pay for an advertised fare on XXXX XXXX. After transferring the points, I was unable to purchase the fare. I called XXXX XXXX, which informed me that the advertisement was a glitch and not actually available. They confirmed that, until I transferred the points, I would not have been able to see that it was a glitch. They would not honor the fare. But they would transfer the points back to the originating card. Over the next several days, XXXX XXXX attempted to transfer the points back to my Capital One Venture XXXX  card. On Tuesday, XX/XX/XXXX, XXXX XXXX stated that Capital One was reviewing the attempt to transfer the points and would not accept the points. I called Capital One on Thursday, XX/XX/XXXX, and was told that my request was under review. I was told that process could take 10-12 days. I called back on Monday, XX/XX/XXXX. I was told that the request had been escalated, but was still under review. I called back on Thursday, XX/XX/XXXX, Tuesday, XX/XX/XXXX, and Monday, XX/XX/XXXX, and was told the same thing. I transferred XXXX points, which is a very significant amount and valued at roughly {$1100.00}.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX, Trans union immediately. 

XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  Balance : {$10.00}, XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Debt collection

I was set up on a payment plan to have {$100.00} taken via ACH every two weeks. At the time that I made the payment arrangements I was told there were 5 debts in collections and the amount that I was paying was for the debt and collection fees. The debts that I agreed to pay were from XXXX, XXXX and XXXX. I did not authorize any other debt than these specific dates to be settled through the payment plan. I continued to pay the biweekly amount which was supposed to end on XX/XX/XXXX. Following XX/XX/XXXX, I noticed that there were additional payments withdrawn from my checking account past the agreed upon payment plan. A total of 3 extra payments were withdrawn. ( I filed a fraud charge with my bank and the 3 payments were reversed after investigation ). These debts despite being paid are still showing up on my XXXX  credit report as being unpaid. I contacted the company and confirmed that the payments had been applied. Why is this debt not being reported as paid? I also asked for invoices for the collections and have yet to receive anything. They have my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Lending Acceptance, LLC is incorrectly reporting my account late to credit bureaus as being late. 
On XX/XX/20 I called Flagship and asked the representative if there is a program that could help me due to Covid-19. I was assured by the representative if I can make 1/2 of the payment today, the balance can be paid on my next statement ( listen to interaction call ). I explained to the representive that if I paid only half the payment, I do not want to be reported negative to the credit bureaus. She assured me that I would be current, but need to make a payment today. After payment was processed she explained I can also change my due date since I get paid only once per month. 

On XX/XX/20 I received an email from Flagship information me that my paid is due. I called the representive and explained my conversation and payment on XX/XX/20. I also informed him he had the wrong account number in his email to me. He said it was a typo.The representive said not to worry he sees the payment. Just to me prudent, I responded to the representatives email confirming our conversation. 

XX/XX/20 I received notification from XXXX  that Fladstar has reported me late. I called Flagstar and was informed the representive on XX/XX/20 never deferred my payments. I explained our conversation and I would have not made the partial payment if I was still going to be late. I was informed I would have too dispute with the credit bureaus.

I am reminded of Flagships logo, " Where credit is a problem, we're here to find a solution. Our company is here to offer options ''.

I believe Flagship is in violation of the fair credit and reporting act. I want my account updated and reported correctly.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX : XXXX XXXX. TX XXXXEquifaxXXXX. XXXX XXXX, GA XXXX. XXXX. XXXX XXXX, PA XXXX XXXX, XXXX : XXXX XXXX REQUEST FOR PROOF OF CLAIMAccount # XXXX *You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Texas Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions: