23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i recieved a collection letter from c-tech collections XXXX XXXX XXXX XXXX ny XXXX .... ( XXXX ) XXXX sue thosar who is named as the collection division manager ... ..it was a collection notice for a doctor bill ... .it is for XXXX dollars ... this doctor apparently is not within my approved doctors and saw my wife in the emergency XXXX ... .two issues arise for me ... # 1 ) i was never given the oppurtunity to accept or reject the doctor ... he was presented as, what we thought, was an employee of the hospital ... but he was an " outside contractor? " ... .hence how can i be charged an exorbitant fee for something that i was not informed about ... .. # 2 ) i was never sent a bill from the doctor and was never given an oppurtunity to speak with him reference paying any of his fees ... ..he was paid an inservice fee by my insurance of about XXXX bucks ... .his collection agency disreguarded that payment and sent me a bill for the entire amount XXXX bucks ... ..my insurance company states they paid him XXXX and there is no way they should be billing me the entire amount ... .this collection agency comes up on a XXXX search as doing this stuff all the time ... c-tech collections ... .they even use a different outfit to send out the " collection '' letters ... .it comes from a XXXX XXXX ... .a XXXX search of that XXXX XXXX XXXX a company that sends out these letters for all kinds of doctors ... .all using various codes and headings ... i believe this practice violates federal collection law XXXX sub ( XXXX ) ... .using various names to try and collect debts ... .it is so questionable that new york state has made the system illegal as of mid year XXXX ... .but our original bill starts back in XXXX XXXX ... .hence the attempt at collecting what i feel is no way owed to anyone!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureaus has 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 XXXX  Case Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I deposited a check for {$120000.00} to my Wells Fargo checking account. They made it available on XXXX XXXX like discussed and on XXXX XXXX they took the funds back resulting in me being negative roughly {$3400.00}. I used the available funds to purchase a new car and car insurance and now Im loosing that money on my down payment because they denied to pay XXXX due to a verification they now have to do. Not only am I loosing my down payment money but also my insurance money. Wells Fargo released the funds and removed them resulting in a negative balance on my account.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Midland Funding said they sent me proper notice, which they did not, I also sent a letter to them to see if we can work out some type of arrangements on this debt and no response. Each time I reach out to them it is no response. This alleged debt is damaging to my credit and I need it removed. They failed to validate the debt and they fail to respond to work out some type of payment arrangements so this can be removed from my credit report.
Product: Debt collection

multiple threatening calls from an agent named XXXX, who was rude and disrespectful to me on the phone. She also threatened to sue me and take away my property if i did not pay. She called me abusive and condescending names, and refused to provide me with a manager when requested. She then attempted to illegally withdraw funds from my bank account after I advised that I did not authorize it. She somehow found out my banking information and made multiple attempts to withdraw funds. Its now been over XXXX years, and the debt is beyond the statue of limitations, and thus has been removed from my credit reports as of XXXX 2015. It can not be placed back on it, and they can not attempt to threaten me to do so.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2019, utilizing Certified Mail Receipt, No. XXXX XXXX XXXX XXXX XXXX, I submitted a Negotiable Instrument Promissory Note w/Instructional cover letter, in the amount of {$750000.00} , to Mr. XXXX XXXX, Chief Financial Officer XXXX Bank of America , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; Said instructional cover letter, in part XXXX advised/noticed Mr. XXXX the enclosed Negotiable Instrument, i.e. Promissory Note is to be 'DEPOSITED FOR CREDIT ON ACCOUNT OR EXCHANGED FOR NON-NEGOTIABLE FEDERAL RESERVE NOTES OF EQUAL VALUE ... ' and provided him the Account Number and financial institution where the deposit was to be made. USPS informed my package was delivered XX/XX/2019 at XXXX XXXX. To day/date there's been neither return of my Negotiable Instrument Promissory Note or response from Mr. XXXX XXXX, Bank of America, or other notice from anyone else regarding same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing you today. Because I have been experiencing this issue for about over a year and a 1/2. I've been trying to get into an apartment with me. And my children are unable to do so Due to my credit being checked and coming up as a XXXX  or there is an error on to my account. Giving no credit score or giving no further information. Now I have contacted all 3 bureau 's. And they are giving me the same information and I keep on coming across this problem. We're now in 2023, and I'm still experiencing this problem. I'm asking if we can please check further into this so we can get this resolved. It is stopping me from employment also and I need to be able to provide for my family, thank you.
Product: Credit card or prepaid card

Hello. JCPENNEY company has been charging me a Card Security Fee since XXXX without my consent ( see attachments ). When I became aware of this fraudulent hidden charge, I called them to make a claim. They told me that this fee started automatically due to an error in the computerized system at the time the account was opened. I have asked them to send me the statements of the accounts that cover the entire time that the fraud lasted and they have refused to do so. In total they have charged me more than XXXX dollars in a deceptive way, but they have only refunded me the equivalent of a year of the charges ( see attachments ). 
At present, the accounts are closed and fully paid, but they still do not send me the account statements or return the money unfairly confiscated. To top it off, during the pandemic they apparently granted me a request for deferral of payments for both of my accounts with them over the phone. However, they applied the relief to only XXXX of these accounts without letting me know, and then refused to fix the error. As a result, my good credit history was affected. 
Clarification : The cards are under my name at birth : XXXX XXXX XXXX.
Product: Credit card or prepaid card

Applied for 2yr promo card with home depot. Used only once on the date of application. Never explained to exactly what would happen after 2yrs. Covid hit 4 mnths after applying. My business was hit hard and never recovered. Yet, I continued to make min monthly pymnts to stay afloat- & I did. Promo ended during covid and in seconds my balance doubled. I went from XXXX balance to XXXX. I had made 2 payments of significant amounts just a day or 2 before promo was ending. Rep on the line never mentioned what was goina happen and still collected payment. Overnight my min bal went from under XXXX $ to XXXX $ minimum. I have tried for several mnths to set up a pymnt plan to no avail. Today I talked with a rep, a L2, & a customer service supervisor. I am being told if I can not afford XXXX $ XXXX I am not allowed to set up the pymnt plan. OR pay XXXX within XXXX. I can not afford either & I have explained this to all XXXX of them. Again to no avail. I am told that my interest will continue and have a possibility to continue til XXXX! XXXX go to collection agency. Why should I suffer at every turn. I didn't make the pandemic start that ended hundreds of thousands of businesses. I didn't ask for any credit limit close to XXXX cause I can't afford it. I paid every mnth throughout the entire pandemic. And am still trying to pay this underhanded company now. I'm doing best to be responsible and accountable for this but at every turn I get a gatekeeper that won't allow you to pay down a balance if it's not their exact amount to pay ev month. Instead of some sort of rectification they'd rather just KEEP CHARGING ME so that the hole becomes deeper. I've never known a debtor not collect towards debt UNLESS they have a different scheme to get you.
Product: Vehicle loan or lease

ACCOUNT OPENED XX/XX/XXXX VOLUNTARILY SURRENDERED XX/XX/XXXX VERIFIED WITH THE IRS THAT THIS COMPANY NEVER FILED A 1099C FOR THIS DEBT BUT STILL REPORTING CHARGED OFF ON MY CREDIT REPORT WHICH IS INACCURATELY UNDER THE FCRA LAW.
Product: Money transfer, virtual currency, or money service

My Robinhood account has been restricted for a week. I have tried to contact someone for 7-days to resolve the issue. I have also uploaded bank statements as requested via the banner in my account and I've received a message stating " We've received your documentation ''. The message also states " We'll review your documents and notify you about your account restrictions by XXXX and a date ''. The date changes to the next day every day I check on my account states. So for 7-days the website has stated I will be contacted. Today I received an email, but again no reason as to why my account is restricted or assistance resolving the issue with a Robinhood representative. Just a generic email offering no help.
Product: Debt collection

In XX/XX/XXXX I enrolled in XXXX XXXX XXXX. I included a loan with Omni Financial. In XX/XX/XXXX I contacted Omni and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact Omni Financial. XXXX told us that they sent them a letter as well as a power of attorney acting on our behalf. Last month we had this conversation with Omni Financial and stated that they were not allowed to contact our references on our account. Today ( XX/XX/XXXX ) Omni attempted to call my house phone, with a private person 's cell number that I did not know. XXXX XXXX XXXX. Then she proceeded to call my mother in law at XXXX. My wife called her back and again, we explained the situation and that this debt is enrolled with XXXX XXXX and that they have been told before not to contact our references. I explained that I was going to contact your agency because this is harassment. We have been in contact with this company from the beginning. They are supposed to communicate with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices which violate the consumer protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic transfer fund act ( ETFA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I do not believe I owe this debt. I have reached out to the company on multiple occasions to verify debt and they have not responded. I am requesting to have this removed immediately as I am unable to get financed. 

Thank you
Product: Debt collection

Credit Systems Intl IN keeps sending me collection notices in the amount of {$230.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : * XXXX XXXX XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Debt collection

Assett Recovery Associates attempted to impersonate government official-also threats made to take all my assets, wages, house property and to file felony criminal charges. illegal questions about social security number and income questions.
Product: Mortgage

Ditech Financial is trying to charge me fees without any merit. They have, without informing me, changed my account number and caused my bank to send my electronic payment to the wrong ( original ) account number and now are charging me a late fee. There are also payments not showing up in my account with Ditech that my bank says Ditech accepted. I have attached the last XXXX correspondences from Ditech ( dated XX/XX/2016 and XX/XX/2016 ) and you can see the account number change..again, without my knowledge and causing me to incur a late fee even though payment was made on time, as it always is.
Product: Credit reporting or other personal consumer reports

I previously checked my credit report and found many address, and names fraudulent and this is preventing me from my right to obtain good credit This is something that is against the law to obtain credit and I would like you to Please remove these wrong address and names from my credit report. 


XXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type - XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 sent letter to Credit Acceptance requesting information regarding the sale of vehicle after repossession. Company failed to comply with FCRA 1977 rule regarding reporting and sale.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : Bankruptcy XXXX  XXXX, as per Report ID : XXXX, Court US BKPT CT XXXX XXXXXXXX., 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 or other personal consumer reports

Back in XXXX  I purchased a vehicle which was over XXXX XXXX XXXX This vehicle is still on my credit which I have dispute over three times asking it to be removed off my credit and they have yet to do so. This car is not my responsibility and I want it removed off of my credit ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian report has multiple inaccurate demographic info. It causes issues with any application. It also contains inaccurate balance info on at least one account. 
I have tried disputing online, but, and this is not a joke or exaggeration, I've been getting " technical error, try later " for close to two years. 
In order to dispute via mail, I'd have to send copies of drivers license, social security card, and utility bill. Given CRAs poor track record in keeping information secure, I do not find this to be a viable option. 
I have paid Experian monitoring, they take payment every month, I'm not being asked to verify each month who I am. 
It makes no sense that they can not figure this out. 
I've also been unable to access Free Annual Credit report online due to same technical error. 
Since my vision is pretty limited, playing mail game is really not fair. 
Additionally, as immunosuppressed person, i shouldn't have to go to post office and stand in lines. 
I've visited XXXX XXXX  website ( and associated forum ) where many are reporting same issue Do they really get to act with such impunity while causing us loses? 
I can not get approved if my information doesn't match what's on file, I can not do online dispute what's on file, nor my vision allows playing pan pals. Online I can at least use screen reader.