23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credence Resource Management , LLC is trying to collect from an emergency room visit at XXXX XXXX XXXX XXXX XXXX GA in XXXX. The bill was paid in full by my insurance company and I have an XXXX  stating as such. In addition, the billing department at XXXX confirmed that they do not use Credence for debt collection.
Product: Credit card

I was in XXXX  and XXXX  from XX/XX/2022 to XXXX I had about {$2200.00} including the interest charged to my account. I filed a report with the FTC and XXXX XXXX, ID police department.. they accepted my claim/ report.XXXX  CAPITOL ONE denied my claim because of insufficient evidence? I was in XXXX. In my police report, it states that I was incarcerated from XX/XX/XXXX  through XXXX capitol one wouldnt even acknowledge that I had a police report or that i stated that I was XXXX.. they said; well you were still making your payments!!! 
I also got charged {$180.00} for fees and interest charges for 2 of the original charges that got put back onto my account.. the general car insurance and XXXX XXXX.. they said the charges were marked as car insurance and XXXX  XXXX  so they automatically added those charges as fees and interest charges.. and also charged me {$200.00} as purchase adjustments for returned payment that I paid a total of 3times and only had 1 got returned.. theyre stating that 2 got returned 1 on XX/XX/XXXX and 1 on XXXX XXXX the only one that was returned was on the XXXX. I made a payment on the XXXX. Then they charged me {$200.00} 14days later on the XXXX. And saying my payment was returned. When it wasnt. Theyre refusing to acknowledge anything that I say, theyre telling me Im wrong!! And they kept interrupting me and telling me that Im wrong and that any evidence that I have to support my case. Is irrelevant and does not matter. So I want {$2500.00} credited back onto my account. Because of the contract I signed agreeing to there 0 % liability PROMISE on ALL unauthorized charges.
Product: Credit reporting

I believe the accounts listed are medical bills that my insurance ccompany told me were billed to me in error and that they wouldhandle this for me.
Product: Credit reporting or other personal consumer reports

UNSOLICITED HARD INQUERIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX  XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX GS XXXX  - XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all 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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX CARD-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

The truth to facts of the secondary mortgage is that a Beneficiary Seller Agent, which prepared a Sales Contract, Promissory Note Agreement of the Buyer, unlawfully converted the Promissory Note Agreement, that is a Substitute for Cash, into a Investment Deed of Trust Contract, in favor of the Beneficiary Seller Agent, by legal fraud. The undisclosed principal trustee, custodial cestui que trust, or SSN, has property interest in a financial public revenue unit asset note, and it is a violation of real property rights of the absolute trustee for an agent to hold, transfer, or deal with the financial asset interest. A authorized, licensed dealer representative of State, is defaming a natural person trustee character, by giving false reports on credit, as if it is a Beneficiary Seller Bank 's credit, and Debasing a Legal Persons Promissory Note, blank endorsement, by extortion of credit. This common law of agency, undisclosed principal scheme, hides who is the trustee, along with the original note that shouldve zero balanced out the commercial paper transaction, credit sales contract. Deceptive or fraudulent security exchange business practices is when a seller or buyer agent, makes or induces others to rely on a false or misleading written statement for the purpose of obtaining contractual property, promissory note agreement, security interest or credit. PUBLIC AUTHORITY IS SUPPOSE TO PROTECT THE PUBLIC INTEREST, NOT IMPAIR SSN CONTRACTS
Product: Credit card

I got an alert on XXXX and checked citi bank, I noticed 2 seperate interest rates and a fee. I went into chat and she said the fee was because of something for XXXX back in 2023 but was unable to explain. 
I asked why two interest charges and if I understand the interest rate changed? I received no written notice of any changes. 
I feel that changing mid statement time to get extra money is predatory and I will to discus why the rate was so drastically changed.
Product: Debt collection

GC Services calls me everyday with different phone numbers. I told them that I will resolve by the XXXX. They didnt want to wait. They threatened to collect it from my bank account right away.
Product: Consumer Loan

This item [COMPASS BK XXXXAUTOMOBILE INSTALLMENT ACCOUNT] is erroneous and fraudulent since I never authorized, co-authorized, nor consented to this particular auto loan in the past. I am requesting that the item be removed to correct the information. I have highlighted the items that necessitate rectification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on an account that I didn't recognize on my Experian report on XX/XX/2018 from XXXX, XXXX. Upon receiving the results of my dispute from Experian, I was informed that the account had been deleted. Less than a week later I received a call from the debt collector XXXX XXXX XXXX advising me that they are still reporting the account and I need to contact the credit bureau about it again. I called Experian to resolve this matter and was told that I would have to report it as fraud to get it off because they must have the wrong person to keep reporting the account on my profile. They refused any further assistance.
Product: Credit card

On Monday, XX/XX/XXXX, I received three statements from three different banks ( XXXX XXXX, CitiBank and XXXX XXXX XXXXXXXX ) stating that my credit card applications were denied. On the same day, I received a call from XXXX XXXX asking to confirm my application, which was also fraudulent. I am in the process of calling these companies to let them know that this is fraudulent activity.
Product: Debt collection

This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between CKS Prime Investments and I
Product: Debt collection

The collection is not from the original creditor. Convergent Outsourcing Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices for over {$2000.00} the collection is reported as past due. I do not know this company. I have never done business with this company. This company does not have my contract signature.
Product: Vehicle loan or lease

Some Hard inquiries from this company had hit my account causing my credit score to drop last year XXXX I did not authorize this company to run my credit this is fraudulent, " COAF '' capitol one auto finance
Product: Credit reporting or other personal consumer reports

This week a collections popped up on my report with Equifax. This collection ( XXXX XXXX XXXX ) does not belong to me I have no knowledge of this company. They will not provide proof that I have or had a contract with them so they need to delete this off my credit report immediately.

This is breaking Law 15 CFR 1006.34 ( c ) ( 3 ) ( I )
Product: Credit card

XX/XX/XXXX charged {$550.00} for a gymnastics class from XXXX XXXX, for my granddaughter that she never took. 
XX/XX/XXXX disputed the charge with Capital One, they initially refunded my money XX/XX/XXXX Capital One denied my claim and took the {$550.00} from my account. 
XX/XX/XXXX text messaged XXXX XXXX the owner of XXXX XXXX ( the gym where the classes are held ) regarding the charge XX/XX/XXXX received text message from XXXX XXXX stating he believed the refund was issued. 
XX/XX/XXXX text messaged XXXX XXXX stating that the refund had not been received. Received a message back from XXXX stating that he was going to call square ( the company that processes his companies ' payments ), he also apologized. 
XX/XX/XXXX received message from XXXX that the refund was taking longer because I had disputed the charge. 
He then stopped replying to my messages. 

XX/XX/XXXX Sent a message to Capital One 's XXXX XXXX XXXX explaining the situation and attached all the correspondence from Capital One and from XXXX XXXX XXXX XXXX 
XX/XX/XXXX received a call from Capital One stating that the matter was being escalated. 

I never heard back from Capital One. 

XX/XX/XXXX I called Capital One and they refuse to refund my money because I did not have paperwork with the company. I NEVER had signed anything with this company, nor had I approved this charge with this company. 

The bottom line is that I was charged {$550.00} ( without my authorization ) for classes that my granddaughter never took.
Product: Money transfer, virtual currency, or money service

I had money sent to me from a friend and theey sent it as if they bought a product from me and i already verirfied the transaction to pay pal and they still froze my funds for 180 days. I want my {$1600.00} back
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorney XXXX XXXX office located in Tennessee pulled my credit report without written or verbal authorization for unlawful purposes
Product: Credit card

I am reaching out for your assistance in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these late payments, which they agreed to, but they are still reporting them as late. Despite my efforts to follow up, I have received no updates, and this is now my final option for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns lost my accts XX/XX/XXXX. I could not pay as there were none with which to pay. In XXXX of XXXX Conns XXXX XXXX found my accts. They had reported all 4 accounts closed in XXXX to the credit bureaus. In XXXX, Conns put on the credit bureaus that my four accts wee open and 5 months past due. I asked them to consolidate the 4 accounts but they refused and wanted 4 payments Xx 6 months. I told them I couldn't pay that much at one time. The only other choice was to settle with them which was more than the 4 payments of the 4 accounts. I was working part-time and then the pandemic hit. I could do nothing. I did however ask them to remove the incorrect address for in their files and to remove my social security number off of a MRXXXX XXXX XXXX files and purchases. His {$5000.00} charge off is currently on my credit files at the credit bureaus. Mr. XXXX has my Social Security number on his Conns file and on his purchases. Mr. XXXX XXXX has access to my Social Security number. Whether he uses it or not, Conns has used it! I was working very hard to improve my credit and this has made my credit go way down i have a balloon note on my house and if I can not refinance, I will lose it. These account entries that are not mine need to be un-associated with my SS #, my credit reports, my phone number that I have had for several years, and remove addresses that not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act Capital One Account # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX They have all violated my rights. 
15 USC 1681 Section 602 states " I HAVE THE RIGHT TO PRIVACY '' 15 USC 1681 Section 604A section 2 : It also states " A consumer Reporting Agency can not furnish an Account " Without my written instructions '' 15 USC 1666B : A creditor may NOT treat a payment on a Credit Card Account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was contacted by a credit collection agency on Friday XX/XX/XXXX by the name of XXXX XXXX XXXX XXXX XXXX, XXXX for a false claim that I had an old credit card debt of {$1300.00} from Citi Bank that had been supposedly charged off in XX/XX/XXXX. Not only did I never open such an account, they are asking about an incorrect former employer. This debt does n't even show up on my credit report. They are threatening to sue me if I do not immediately set up a payment plan with them over the phone with my ATM debit card. They called me at XXXX XXXX this morning Monday XX/XX/XXXX before business hours. I called them back during business hours to speak with them again on this issue and it went to voicemail. I 've never received anything about a legitimate debt in writing either. I tried to look up this XXXX/collections agency and the only thing that comes up in a XXXX XXXX XXXX. I am afraid this harassment is going to continue and I need it to stop and I especially do not want them to escalate this and try to harass me at work, but most importantly I believe that this company is a scam trying to get me to release my banking info over the phone. I hope you are able to help in this matter!
Product: Debt collection

I am filing a complaint against Midland Credit Management due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Midland Credit Management failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. My credit has been lowered so many different times this year and has had so much negative impact due to false debt or wrong debt and ive disputed countless of times and talked to every company and nothing changes. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements Regulation E. I have been harrassed and threatened several times a day These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

15 U.S. Code 1635 15 U.S. Code 1692g 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 ( billing error resolution )
Product: Checking or savings account

Called on XXXX 2023 inquiring why my 360 Savings Account was only giving me 0.3 % interest while our other Capital One Performance Savings account was giving us 4.3 %. The agent answered that it was unfortunate that we only found that out and it was too late to get the past interests due had we switched accounts but he said he could convert the account to the high interest one. That ended the transaction.

Now knowing that a lawsuit has been filed, I want to recoup the lost interest earnings that my account should have generated.

Please let me know what steps I need to take. Thanks in advance. 

XXXX XXXX
Product: Debt collection

I paid  XXXX   XXXX   XXXX  directly so diversified collections needs to delete their reporting from the credit bureaus . Diversified said they submitted documents for the CB 's to delete but  XXXX  and  XXXX  are still reporting the collection.
Product: Credit reporting or other personal consumer reports

The duty pursuant to the FCRA, it EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXXXXXX XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, and a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX XXXX. XXXX ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating XXXX XXXX. XXXX ( a ) ( XXXX ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation XXXX XXXX and XXXX and possibly XXXX very soon. I have tried to remedy this situation by responding to EQUIFAX via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Product: Mortgage

I have a mortgage loan with Wells Fargo bank and have been struggling to make payments as a result of divorce settlement. I have been in contact with the mortgage lender several times in phone, email and in person. I have been approved for a short sale, but what I need is a forbearance of payments until we can get the house sold. I've been in touch with the bank since early XX/XX/XXXX asking for assistance and submitted all the paperwork they requested, and have not heard back. I'm a XXXX on full XXXX as well as a XXXX XXXX XXXX, and have served my country for many years and am really disappointed that there is no one willing to assist me. I've been upfront and forthright in the struggles I'm having and trying to be proactive, but Wells Fargo is not responding to my requests so at this point, I'm reaching to the Federal government for help. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX  advocate She passed away XX/XX/2020. 
I sent in 3 reports with XXXX XXXX and all pertinent identifying info to each credit agencies now 6 weeks ago to freeze here reports.i received a credit report from experience but nothing else from the other two with no credit freeze info industry acted. Useless. 
My name is XXXX XXXX XXXX her roommate and I have POA. Sent in a copy of this also. 
What a response and credit freeze applied. Have cancelled all her CC etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus.XXXX  removed account from Credit Report but Equifax and XXXX did not. ( Between XX/XX/2024 and XX/XX/2024, your XXXX XXXX XXXX account was removed from your credit report. ) XXXX XXXX XXXX Account reported 2 separate account numbers that were also disputed and removed from only one Credit Reporting Agencies Last XXXX digits of account numbers # XXXX and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Experian, I XXXX XXXX am a individual, NOT a third party and i am a victim of identity theft.