23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a hospital debt from XX/XX/XXXX and had a financial agreement to repay this on a monthly basis ; which was done as agreed. I received a letter from the debt collector last summer ( XX/XX/XXXX) for the amount of XXXX and contacted the firm and explained that I had been making payments and that the amount they were trying to collect did not represent these payments, and the maximum amount the hospital could charge me was XXXX ; which represented my co-pay at the time. The woman I spoke with was pleasant and told me that there would be no action until I sent in documentation to show payments. I did questions why the account was being sent to a collection agency since I was making payments and she told me it did not matter if I was making payments, the hospital could still hire them. 

I received nothing else form the company and on XX/XX/2017 I finally was able to get the information compiled and sent a copy of payments, with proof of insurance ( to verify the incorrect amount owed ) and a letter to both the hospital and the debt collector. 

The first week of this year XX/XX/XXXX I received a letter from he collection company dated XX/XX/XXXX with an amount due of {$95.00} which I assumed was the balance after the proof of payment was received. When I called the credit agency they said it was another amount and that they had not received any communication from me regarding the payments made. ( This information was sent certified and I am still looking up the postage receipt - I should have within 48 hours ). I explained the scenario to the call center representative, XXXX. I did not get any real information from him, other than it was my fault if it did not require a signature. ; which it did not - it was certified ; AND, this was a separate bill : which shocked me. If the services provided were only two days apart and I received the first notice last XXXX - why am I receiving my first notice for this account XXXX? I also asked XXXX to request detailed information from the hospital about charges and he responded that they were not allowed to ask for that because it was confidential information. 

I asked to speak to a manager and he transferred me to a woman who 's name I believe was XXXX. We reviewed my discussion with XXXX and she basically said the same thing. While I thought the issue was taken care of she assured me it was not. I asked why I did not receive any further communication from them and she stated that they are a debt collector, not a billing company and they send out collection notices at differing times on a case by case basis. When I asked her about what they case by case basis was, she could not explain and became defensive. She said she could request detailed billing information via their paralegal. She was very defensive after the questioning about statements and hung up on me. 

I have dealt with this company before, they adversely affected my credit. It is unconscionable that they are able to accept a debt collection account without proper validation and without constant notification to the patient.
Product: Credit card or prepaid card

SYNCHRONY BANK has closed multiple accounts that were in good standing and an asset to the consumer and XXXX. Closing consumer credit accounts and Indirectly reporting on my private consumer report without my written instructions, in Violation of Consumer Federal law 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This another " just showed up '' collections. I never received any bill or notice and have no idea where it stems from. Attempts to call them only end with pressure to pay and can't get them to tell me the original debtor. See below screen-shot of the collections information. Thank you. 

Derogatory Account Online Collections XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX A lender or service provider reported that this account was flagged with a derogatory mark.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX lost money order for XX/XX/XXXX payment. We cancelled money order ( at our expense ) and paid over the phone directly to XXXX XXXXXXXX XXXX with bank account number on XX/XX/XXXX. The payment cleared my band on XX/XX/XXXX and I received an email from XXXX XXXXXXXX XXXX stating payment was made. Now I am receiving harassing phone calls stating this payment was never made. I initially gave my bank information again for payment. I hung up and checked bank statement and email, verifying payment was made. I will now contact my bank to cancel this second payment. I attempted to call company again and speak with a manager but was not allowed to speak with a manager. I believe this company is fraudulent and is stealing my money.
Product: Mortgage

Ocwen continues to deny our application for modification due to " Investor and Loan owner do not authorize modifications ''. No further detail as to why the investor and loan owner will not allow modifications.
Product: Mortgage

Once again we are trying to obtain a lower interest rate on my XXXX mortgage. The interest rate is 11.375 % and with the economy and lower interest rates that have been below 5 % Bank of America gives me someone to chat with and after all the information is sent to them, again and again, we stop hearing from anyone. B of A was to set aside monies to help people like me so please help us.
Product: Credit reporting or other personal consumer reports

There is an address on my credit report XXXX XXXX XXXX in XXXX PA. I have never even been here. 
XXXX scared that XXXX a victim of identity theft because there are also a lot of new inquiries on my credit reports that I didnt do.
Product: Credit card

I have been a Capital One customer for years in many different capacities. But, I am really frustrated with Capital One because I have been unable to use my card for any purchases recently due to them claiming to suspect potential fraud. While I appreciate that they are keeping my account secure, they are going completely overboard. Most recently, they wanted a bank statement from my bank because I like to use the card and pay it off to avoid any interest charges and to be able to make big purchases when need be. Also, their customer support department is HORRIBLE and they love to give misinformation and nobody cares. It seems like Capital Ones customer support department can get away with saying anything when it could be incorrect because they are from a different country and they dont understand XXXX as well as we do. And whenever I try and get a XXXX based agent which is my right per my card member agreement, they make me feel guilty for doing so. Its such a shame now that Capital One is the worst bank Ive ever dealt with and I would not even want my worst enemies to apply for accounts with Capital One.
Product: Mortgage

The company that holds my mortgage has been located in XXXX Michigan for the previous 8 years that I've had my mortgage. On XX/XX/XXXX of 2021 they moved to XXXX XXXX XXXX Florida. Since they have moved, I've tried several times to reach them at their new phone number, XXXX, with not only no answer but receiving a recording that they, the company PHH XXXX, is not answering any calls at this time. I've sent them a payment on my account for {$2700.00} on the XXXX of XXXX and it was cashed but they haven't provided me with any notice of that posting, and the people at their previous phone number are totally uncooperative and will only provide the phone number that is not in service. I've tried reaching them via fax and also via a letter with no response. I need to be able to make a draw from my account and I can't reach them and need your help disparately. The companies name and address are PHH XXXX. XXXX, XXXX XXXX XXXX Florida XXXX. They are over 30 days late on suppling a monthly account record and have changed my account numbers. They were previously located in XXXX Michigan and their phone number there is XXXX
Product: Student loan

Aidvantage is my current student loan servicer. My student loans first started repayment XXXX and I submitted an IDR recertification application to studentaid.gov in XX/XX/XXXX which determined my payment to be {$0.00} per month. Due to the federal student loan payment pause, I was not required to recertify until XX/XX/XXXX by XXXX, my previous loan servicer, so I submitted a new IDR recertification application to studentaid.gov and my payment went up to {$1100.00} per month, the current amount. Both IDR recertification applications were uploaded in XX/XX/XXXX to my Aidvantage account, and XXXX had copies of both as well. 

Studentaid.gov released an announcement in XX/XX/XXXX extending the IDR recertification deadline to XX/XX/XXXX, stating that if we recertified in XX/XX/XXXX or earlier, and our payment went up, it would be reverted to the lower amount. I uploaded a XXXX  copy of that announcement to my account, and it is shown here : XXXX XXXX XXXXstudentaid.govXXXX 

Aidvantage is in violation of this guidance by studentaid.gov because they have refused multiple times to revert my payment back to the lower amount ( which should be {$0.00} per month until my new recertification date of XX/XX/XXXX ). They have told me via messages that I need to submit a new IDR recertification application or provide updated income information to recalculate my payment amount, which is in violation of the announcement issued by studentaid.gov. 

Before my loans transferred to Aidvantage in XX/XX/XXXX, I had contacted XXXX dozens of times to correct this issue and I have a response in writing from XXXX acknowledging that my payment should revert back to {$0.00} until the new recertification deadline. I uploaded all of this documentation for Aidvantage but they still refuse to revert my payment back to {$0.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW & UPDATED INFORMATION ON XXXX AND EQUIFAX. I XXXX XXXX the consumer, have evidence that XXXX AND EQUIFAX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to EQUIFAX in response to ( complaint # XXXX ) & also sent correspondence to XXXX in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both XXXX AND EQUIFAX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. XXXX and EQUIFAX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, XXXX AND EQUIFAX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, XXXX AND EQUIFAX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement XXXX & EQUIFAX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. EQUIFAX and XXXX are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer reporting agencies.
Product: Debt collection

I continue to get a call from Midwest Recovery Systems for a debt regarding a payday loan from XXXX. I have tried to contact the originating company that they claim the debt was from and the company either never was in business or is no longer in business. They have placed this debt on my credit report. It shows on my XXXX once and XXXX twice. They say that I owe {$860.00}. They have not been able to present any original documentation that show I took out this loan and refuse to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting or other personal consumer reports

I have submitted multiple formal disputes regarding inaccurate information reported by XXXX XXXX XXXX on my credit report. The account shows conflicting information that violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specifically, the account status differs across the credit bureaus : TransUnion reports it as Payment after charge-off/collection, XXXX lists it as a Charge-off, and XXXX shows it as Paid, Closed, {$5300.00} written off. These conflicting statuses are misleading and should be corrected or removed. Additionally, the payment dates are inconsistentTransUnion and XXXX report the last payment date as XX/XX/year>, while XXXX shows XX/XX/year>. These discrepancies negatively impact my credit score and need to be addressed. Furthermore, TransUnion and XXXX indicate that previous disputes were resolved and verified, yet they continue to report contradictory information, showing that the verification process was incomplete. I request that XXXX XXXX XXXX properly investigate and remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Ian writing to dispute the following information that appear in my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In all of the above accounts there are errors. I am in disagreement with the items listed. You are in violation of FRCA 15UScode1681i. I Provided copies of your very own investigation results where you stated the accounts that I provided was incorrect. INCORRECT IS DEFINED AS NOT ACCORDING TO FACT. You never advised or contacted me of the data breach of your company that my information was involved in. I asked several times for a copy of the investigation you done to come to the conclusion of it being accurate. This inaccuracy is highly injurious to my credit rating and costing me thousands of dollars in interest. Please investigate these matters and delete the errors. And provide me with a copy of your investigation the date you contacted the companies, the person you spoke with, the time and the information they provided. And how you determine the accuracy. Only a signed CONTRACT CAN VALIDATE ME! Please do not respond with your GENERIC RESPONSE OLEASE PROVIDE FACTSTHAT CINNECT ME TO THESE ACCOUNTS. If you continue to be non compliant to the law. I further remind you that as in XXXX XXXX XXXX XXXX XXXX ( C.D. XXXX we pick XXXX, XXXX  ) that you may be held reliable for willful non compliance Include in attached files is my id and a bill of my address
Product: Credit reporting or other personal consumer reports

On Tuesday XXXX XXXX I called Experian to start a dispute regarding the highly inaccurate reporting of utilization rate on my credit card accounts. An Escalation Ticket # XXXX was made. On XXXX XXXX I received an email from Experian explaining how they calculated the inaccurate utilization rate of 395 % .Experian did not address the inaccuracy of their reporting on my consumer report. The explanation they provided was information that I have access to on their website already. They are reporting {$760.00} of {$1100.00} credit limit and a total balance of {$4500.00} with a utilization rate of 395 %! This is obviously wrong because the other credit reporting agency that these same accounts report to ( XXXX ) is reporting the utilization rate correctly. I have attached the screenshots of my XXXX and Experian consumer reports to show the errors that Experian is posting on my consumer report. This egregious error is causing adverse action to my credit worthiness as a consumer. Experian accurately reported the closure of 3 of the 6 credit card accounts at my request. However, Experian is applying the overall utilization rate of 6 cards onto 3 the open card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Company I had no knowledge of Cascade Collections was on my credit report. Account in this complaint was disputed, Cascade Collections could not meet the requirements defined by FCRA 15 U.S.C. 1681 so account listed in complaint was deleted from credit reports. See Credibility from XXXX  in attachment. 

XX/XX/XXXX Cascade Collections put account listed in complaint that could not previously comply with FCRA 15 U.S.C. 1681 back on credit reports. See Credibility from from XXXX XXXX in see attachment.

PROVIDE PROOF TO ME AND THE CFPB YOU FOLLOWED MY RIGHTS DEFINED BY 15 USC 1681 623 ( a ) ( 7 ) referred to as early warning notice '' WHEN YOU ADDED ACCOUNT IN COMPLAINT ON OR AROUND BACK ON TO CREDIT REPORTS XX/XX/XXXX
Product: Debt collection

From XX/XX/XXXX until XX/XX/XXXX I received multiple calls a day from SNAAC in an attempt to collect a debt. Sometimes they would call three or four times a day. They even went so far as to call people that I used to associate with even though I have told them in the past only to call me. These calls are disrespectful and disruptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY ARS ACCOUNT RESOLUTION TO XXXX FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER 10 YRS NOW. ARS KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. ARS HAS JUST FLAGGED MY ACCOUNT WITH XXXX THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? ARS HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE ARS OLD CHARGES RE-APPEARING AS NEW