23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never been to a doctor named XXXX XXXX XXXX. According to his website he's a XXXX. I have never been to a XXXX in my entire life, nor have I ever been to the city where he practices. I have disputed this collection account which says I owe over {$3000.00}, numerous times but every time I dispute it they just increase the balance causing my credit score to go down. I do not owe this bill. I have had XXXX   for over 10 years so any medical bill is paid by XXXX. So I know I never was a patient of XXXX XXXX XXXX as his area of practice isn't covered by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear Transunion, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX Account XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. Account Name : DPT EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX 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 Sincerely, XXXX XXXX
Product: Checking or savings account

Multi-faceted bank errors. Recent audit of accounts and transactions found closed account balances transferred to wrong account and cents missing from one account to the other, charges a XXXX off as more money taken than the receipts, cashing wage checks having money deposited back to business account when should have been deposited in personal accounts, business revenue deposited in personal accounts by bank employees causing accounting and audit trail problems, bankers filling in account numbers and using the incorrect accounts, bankers performing transactions without authorization of the account holder or holders, processing checks or convoluting the transaction of the check cashing process, redacting information on deposit slips and just too many similar items to list.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Fight to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written nstructions.

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 purpose.
Product: Debt collection

Eliminating this inaccurate account from my credit report is formally requested. I did not authorize its creation or usage. Enclosed are the documents necessary to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX AND XXXX. ( Please see page 22 of the attached credit report. ) These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Debt collection

United Revenue Corp continues to NOT provide proper validation of debt. Since I have been disputing this false information they have Flagged my credit report four different times this month ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent a certified letter XX/XX/2017 asking to please provide proof that this debt is valid. They did not ... instead they sent break down of fees BUT they did not provide a copy of my signature with the provider of service to release my medical information to a third party. I really do n't believe they even reached out the original creditor because United Revenue Corp did n't receive my letter until XX/XX/2017 but managed to validate this alleged debt in one day because the letter they sent me is dated XX/XX/2017. So they mean to tell me they were able to get in touch with the provider on Saturday or Sunday to validate this debt? 

I truly believe United Revenue Corp is breaking the law by 1 ) refusing to properly validate this alleged debt. 2 ) Contiuning to report false negative debt to the credit bureaus. If this witch hunt continues to happen I will seek legal counsel with the full intent to sue! I am very aware of my rights under the FAIR CREDIT REPORTING ACT. AND I also know a itemized bill is NOT validation of debt!
Product: Student loan

I had paid off over XXXX XXXX dollars worth of student debt in XXXX of XXXX. Fast forward several months, and Biden announces student loan forgiveness. I meet the qualifications for said debt relief as I continued to make payments during the moratorium. 

I called my student loan provider, Great Lakes, and requested a refund of XXXX XXXX dollars the day after the student loan forgiveness announcement on XX/XX/XXXX. I was told I would have an email sent to me with the reference number for my request by the first customer service rep. After calling back when no email appeared, I was told no such reference number exists, and they would not provide any proof of confirmation of my request. I spoke to a manager who said the same thing. They told me it would take up to 30 days to process the request. 

I call back again today, XX/XX/XXXX, and ask about the status of my refund request. No updates are available at this time, and I am told the refund could now take up to 60 to 90 days to process. 

I want my refund so I can request debt forgiveness when the application becomes available. I understand many people are requesting such refunds and there is high volume of customer traffic. In two to three months ( which they now have warned me how long the refund will take ), it will nearly be XXXX and my window of opportunity will be closed. I worked hard and sacrificed much to pay off my debt entirely during the moratorium. I make less than XXXX but paid off over {$65000.00} in private and government loans during the moratorium. I want to take advantage of the opportunity for some debt relief.
Product: Debt collection

I got a new cell phone number last year ( XXXX XXXX ) and this " XXXX XXXX '' company has been calling me every morning after XXXX am since XXXX of this year. And everytime I pick up no one answers, and everytime I call back to tell them to stop calling, they give me this " our representatives are busy, please hold '' spiel. I do n't owe them anything, so I 'm pretty sure my number was used by someone before me.
Product: Student loan

My loans were recently transferred to XXXX XXXX, and they can not give me accurate billing. When I call and speak to their customer rep, they state a different amount due than the website " Amount Due ''  states. What's more, the PDF billing statement for this cycle said there is no amount due, contrary to both what the customer rep and website screenshot said. The company can not give me accurate, reliable info about the amount due. 

Also, I registered for auto-pay and the customer rep claims I did so successfully, but the website continues to state " no payment scheduled. '' I have paid my loans on time for several years with other lends. It truly feels as though XXXX XXXX is intentionally trying to induce me to default.
Product: Debt collection

ERC, as well as as XXXX  XXXX are reporting the very same account in collections from XXXX. This is a violation of FDCPA/FCRA regulations. Complaints to be filed with both Ohio Attorney General as well as CFPB. 

This double-dipping in credit reporting has had a significant, negative impact on my CBR.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

XX/XX/2017 Certified Mail : XXXX Debt Collectors : XXXX XXXX XXXX, UT XXXX ABERTELI LAW OFFICE XXXX, XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General XXXX XXXX XXXX, DC XXXX Re : Acct No. XXXX Acc # XXXX XXXX Acc # XXXX Abertelli Law Office Acc # XXXX File # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Abertelli Law Office 's Demand letter on XX/XX/2017 and XXXX " Notice of Default '' XX/XX/2017 and XX/XX/2017. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Proof that the Statute of Limitations has not expired 6. Complete payment history on this account along with an accounting of all additional charges being assessed 7. Commission for debt collector if collection efforts are successful. 
8. Any insurance claims been made by any creditor regarding this account. 
9. Any Judgments obtained by any creditor regarding this account 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


XXXX Patient Legal agent XXXX XXXX, Fl XXXX XXXX Email : XXXX
Product: Checking or savings account

On XXXX XXXX I went to BOA to deposit a cashiers check. I asked the teller if I could withdraw {$500.00} of that.. he said no, that the cashiers check would not be available until the following day. He did say he could give me the check back and I could go cash it at the bank it was from. I was running late and said the next day was fine. The next morning, I checked my account and found a hold was placed on the check until XX/XX/XXXX. After 3 transfers to supervisors.. I was told the information I was given was wrong and there was nothing they could do. I have {$2.00} to live on for this time. I was even told that their tellers do sometimes give out inaccurate information but they could still do nothing. They wont even release a portion of the check. Cashiers check are supposed to be guaranteed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporter, list of accounts below has violated federally, protect consumer rights to privacy and confidentiality and confidential and confidentiality under 15 US C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX has violated my rights. 

XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) Account number XXXX has vilolated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX XXXX account number XXXX XXXX XXXX  account number XXXX 15 US C 1681 section 602 a states I have the right to privacy 15 US C 1681 section 604 section 2. It also states the consumer reporting agency can not furnish account without my written instruction.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items information any other adverse item of information other than the records of convictions of crimes, which atntedates the report by more than seven years 15 USD 1681 S 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Im writing to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that pointed out big issues with the platform. Ive used Zelle many times, and when I reported problems, neither my bank nor Zelle properly looked into them. I was told there was no way to recover the money or even track the transactions. The CFPBs findings show that Zelle hasnt done enough to protect users and has let repeat scammers take advantage of the system. Its frustrating and unfair, and it makes me question how safe it really is to use.
Product: Credit card or prepaid card

Multiple retailer card websites serviced by Comenity Bank/Bread Financial have been down since at least XX/XX/23. CB/Bread says their website update is taking longer than expected and nothing else. When you call the customer service number, you can not get a live person, just a recording. The recording repeats the notice about the systems update and if you want to speak with a customer service rep, to " call back at a later date ''. Account balances are not available at the retailer website when trying to use the card, and in some cases, charges are being declined. Are they really having system update issues or were they hacked?
Product: Credit reporting or other personal consumer reports

I moved into an apartment in 2015, and when my landlord ran my credit, I realized that my identity had been stolen, with over XXXX accounts opened in my name, from credit cards to personal loans, store cards, and even a utility bill. The total amount of debt was over XXXX dollars. 

I immediately took action against every account. Getting these matters cleaned up took a lot of time, money, and energy. Still, to this day, several of them haunt me, and they will not leave my XXXX or Experian credit report.
Product: Credit card

I have a promotional credit card with Home Depot. They regularly send me offers and I decided to take out a promotional card offering 0 % interest for a home improvement project. I did this a few years ago and it worked out very well but this time they started charging me interest on what they call a revolving balance. It 's on the XXXX page of the bill with no reference on the first page and it started after months of paying the bill. I feel this is misrepresentative/false marketing and a way to get more interest from consumers.
Product: Debt collection

it has been more than 30 days that I have requested this information about the validity of the account and the reporting violation.
Product: Checking or savings account

My account was opened on XXXX/XXXX/XXXX under a promotional offer of " Open a new checking account with direct deposit, receive a {$200.00} bonus withing 60 days ''. 

The direct deposit was posted to the account on XXXX/XXXX/XXXX. I 've contacted the bank on several occasions via online messaging. First advised I did qualify for the promotional offer and it would be credited. Well after sixty days had passed, I contacted BBVA again via online messaging, and advised I would need to call customer service.
Upon calling customer service, I was advised " yes '' the offer should have credited to my account and it was their mistake it had n't. They now inform me that I must present to the bank in order for the their mistake to be corrected. I fail to understand why my presence is required to correct a promotional offer -bank mistake. I stop by a branch, and was advised to call customer service.
Below is the fine print of the BBVA Compass {$200.00} XXXX Checking Offer. 
You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.
Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, and Easy Checking.
Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.
The account must be opened at one of the participating branches above or via XXXX, Option 2, with the account housed at a participating branch.
There is a maximum of one ( 1 ) bonus per household.
Promotion is not available for accounts opened online.
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the current amount, high credit, payment history, and the comment to verify this information. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Student loan

PHEAA has consistently shown deceptive and unethical business practices regarding their handling of student loans. Please see attached files.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my XXXX XXXX. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit card or prepaid card

Merchant : XXXX XXXX XXXX XXXX Charge Total : {$1100.00} Charge Date : XX/XX/2020 I am trying to dispute above charge as fraudulent but the Citi bank portal is not allowing me to submit a dispute. Furthermore, it is impossible to get past their chat bot on the website and get actual person to discuss with. It seems like there are no way to upload documents to Citi on the portal either.