23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. 

I have asked XXXX XXXX and XXXX XXXX  to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. 

After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. 

XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. 

XXXX XXXX  has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. 

I am asking for an investigation of how XXXX has handled this situation. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : Charged account reporting a balance Date of XXXX I have already attempted to resolve this issue by contacting Equifax directly, but they have failed to correct the errors or provide an adequate resolution. Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681e : This section mandates that credit reporting agencies ensure the accuracy of the information reported. If they report incorrect information, they must investigate and correct it. Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX : True identity fraud XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 that need to be investigated and corrected from erroneous reporting in my file and listed on my credit report are : XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX, XXXX : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have been an American resident since XX/XX/2022, I opened my first bank account with Well Fargo Bank and by their decision they closed my account and they have not given me the funds, I have contacted the loss prevention office 3 times and I they say that they have the right to give me the funds when they decide and I need those funds for my family, they have sent me 3 emails postponing the closing date of the account
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXXXXXX XXXXXXXX XXXX called me up and said i was pre-approved for a mortgage refinance. We talked briefly and he requested a credit card to pay {$250.00} ( half of the appraisal fee ). I was charged {$250.00} on my XXXX  in XX/XX/XXXX and no one called me to schedule the appraisal. I then called XXXX XXXX XXXX in XX/XX/XXXX and asked if my loan application was moving forward and requested to be contacted by the appraisal company to schedule, i was never contacted. Then a letter in XX/XX/XXXX from XXXX XXXX arrived disclosing that I am not approved for the Loan and XXXX XXXX XXXX is not responding to email, text or call.
XXXX XXXX XXXX  nmls # XXXX XXXX XXXX XXXX  XXXX XXXX Senior Mortgage Specialist p. XXXX x.XXXX f. XXXX  XXXX nmls # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX - ) XXXX Balance : {$530.00} ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX, XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022.
Product: Debt collection

I sent a debt validation letter to the collection agency requesting documents for what I owe, my personal information was provided to the collection agency without my consent and I didn't receive proper paperwork documenting how much I owe prior to the collection agency reporting it to the XXXX credit bureau. I paid a portion of the debt without verification until I did my research and found out that, the said information should have been provided to me. I would like these derogatory collections removed from my credit report from the same collection agency.
Product: Money transfer, virtual currency, or money service

Cash app automatically closes whenever I type my ssn in like im flagged Ive never Owned a cash app in my life how is this they said I violated their terms but Ive never had a account
Product: Credit reporting or other personal consumer reports

Consumer Name : 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-XXXX ) that you, the XXXX credit reporting agency , block 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 a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a balance of {$500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XX/XX/year> RE : Loan No # XXXX, XXXX, XXXX My credit report shows a charge off or collection from your agency, I was never notified of this collection and has also requested a copy of the 1099C form which youve failed to supply to me. I do believe that this debt is not accurate and under the fair debt collection protection act, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of the following.

1. Form 1099C 2. An Explanation of the alleged account balance is 3. A calculation of this balance including the complete payment history on this account so I have proof the debt amount is correct 4. Documentation that shows I agreed to pay this debt 5. A copy of your state license including license number.

As you may know, claiming a profit loss write up means that this debt was paid in full, and I am required to have a copy of the form 1099C for my tax filing.

Stop contacting me regarding any other matter until you can provide the accurate verification of this debt. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed incorrect information on my report. 
The information youre reporting is inaccurate on my credit report. You are reporting a late payment for XXXX for XXXX, XXXX, XXXX and XXXX XXXX This is not true, I was never late on this account. Also, a late payment for XXXX is not correct either. 
I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton oXXXX XXXX XXXX XXXX XXXXd like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$480000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow Experian is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this account.
Product: Checking or savings account

Tuesday XX/XX/2021 XXXX These issues started between XXXX and XXXX of 2021 when transitioning from one bank to another because of over average over draft fees. In changing over my bill payments to Fifth Third Bank I got a form sent to me to start having my payment come out of my XXXX XXXX XXXX XXXX account on or before the XXXX of each month. I was later told by a bank officials that I must also apply online as well for payment drafting from FTB which I said didn't make sense but I did applied online to. 

I wasn't sure that everything would have went through successfully by XXXX, so I sent a payment in from a money order that I got from the currency exchange, but after looking at my account I noticed that the payment was taken out on top of the payment I had mailed in. 

I went to Fifth Third Bank and informed them as to what was going on with the double payment and I was instructed to cancel the debit on her computer and I wouldn't have this issue anymore. I also call my insurance company and informed them as well and I was told that I would receive a payment back in the mail, but the double payment continue to come in up until XX/XX/2021. 

My last memory of putting more funds into my account was on or about XXXX or XXXX at which I had a low balance until XXXX XXXX XXXX XXXX sent in another payment which put my account into the negative. My account is a XXXX because Fifth Third Bank never put my funds back into my account as promised to me several times. So I have not put any funds into my account knowing that anything that I put into my account would be eat up because of the negative balance. 

I'm looking forward to a speedy response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo approved my company XXXX XXXX of a business line of credit twice. Both times I applied they put hard inquiries on my personal credit. Both times that I applied I was approved, however both times ( after two hard inquiries on my personal credit ) the approvals expired awaiting transcripts from the IRS that Wells Fargo failed to follow up on. Due to Wells Fargos lack of organization and follow up the approvals expired twice  after I had hard inquiries on my personal credit. When I initially inquired about the business line of credit I was strong armed into opening a business account with them that I did not want, in order to even get information about the credit line. Against my better judgment I applied once again for a business line of credit with Wells Fargo on XX/XX/XXXX. Today XX/XX/XXXX I once again called Wells Fargo to follow up with them, because nobody followed up with me after they ran another hard inquiry on my credit a third  time. I was told my application for the credit line was declined and the representative refused to give me the reason why it was declined. Very unethical and unfair practices at this bank. I now have 3 hard inquiries on my personal credit and do not have the credit line I was approved for twice.
Product: Credit card

I realize Affirm is a loan and not really a credit card, so please forward my complain to the proper channels. 

I Made a purchase using Affirm on XX/XX/XXXX at XXXX XXXX for {$1000.00}. Returned merchandise on XX/XX/XXXX. Continued to make payments on the purchase until return was processed by Affirm. Made 2 payments of {$340.00} on XX/XX/XXXX and XX/XX/XXXX. i called Affirm twice to request a refund of payments. They said my bank refused the refund ( strange because they had no triple pulling the payments from my bank ), so were sending a check. Check has still not been received. I called today and the system notes a refund by check on XX/XX/XXXX but it has not arrived. 

I would like a check sent by overnight mail as they are holding my funds now for months.
Product: Student loan

I was paying off my principle and interest on loans while I was actively enrolled in school. I read that by doing this my interest rate for future loans would be reduced rather than continuing to increase. However, my interest rates continued to increase significantly even though I was paying some of my loans off in full. They also did not provide loan repayment options, help with consolidation, or track my payments.
Product: Credit card

ON OR ABOUT XXXX OF XXXX SOMEONE OPENED A FRAUDLENT CREDIT CARD ACCOUNT WITH DISCOVER BANK. I CONTACTED DISCOVER BANK ON XX/XX/XXXX ABOUT THJIS AND THEY SAID THAT THEY WOULD LOOK INTO THIS MATTER. I ALSO NOTIFIED CREDIT BUREAUS AND THEY BLOCKED THIS ACCOUNT BUT THEN XXXX WEEKS LATER DISCOVER SENT THEM A DIALOGUE TO SUPPORT THE VALIDITY OF THE ACCOUNT. I DID NIOT OPEN THIS CREDIT CARD AND I DID NOT AUTHRIZE IT TO OPENED IN MY NAME.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB identity Theft Affidavit to report a fraudulent account appearing on my ChexSystems consumer report which i do not recognize as reported and which are the result of identity theft and fraud. This Fraudulent account consist of a bank personal checking account opened at XXXX XXXX XXXX XXXX under XXXX/ACCT # XXXX, closure date XX/XX/year>, charge off balance {$1300.00}. Inaccurate names XXXX XXXX XXXX. These accounts have resulted in fraudulent charge offs, hard inquires, and personal information appearing on my ChexSystems consumer report and FICO Credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and ChexSystems consumer reports, that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems 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. 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 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: Debt collection

The debt is erroneously reporting in my credit report. It is past XXXX years old and needs to be removed.
Product: Credit reporting or other personal consumer reports

Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/year>, being ignorant of these non-approved charges for {$2.00}, I did not pay this google charge and XXXX XXXX XXXX recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX month payment, specifically XX/XX/year>. After proving to XXXX XXXX XXXX the charges were fraudulent and not approved by me, XXXX XXXXXXXX XXXX removed all charges and reversed the XXXX through XX/XX/year> {$2.00} charges and specifically XX/XX/year> late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX XXXX XXXX XXXX EXPERIAN AND XXXX XXXX Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, XXXX XXXX EXPERIAN AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Product: Credit card or prepaid card

On XX/XX/XXXX I requested a XXXX balance transfer with Capital One. The agreement included a 3 % Transaction fee and 12 months at zero percent interest. As of XX/XX/XXXX Capital One began charging interest at 19.99 %. I noticed this on my XXXX Statement and contacted them on Friday XX/XX/XXXX. My call was escalated to a supervisor who then opened a case and gave me a case #. Today, I was contacted by a rep who stated that the agreement somehow dates back to when the card was originally issued and therefore the zero percent interest ended on XX/XX/XXXX. I have been told that they are keeping the XXXX transaction fee and the XXXX rate. Requests for a supervisor over that rep were rebuffed. They have also refused to provide a copy of the balance transfer agreement. I further tried calling customer service and speaking with a supervisor there who also stated nothing further could be done and who also could not provide a copy of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted a letter disputing my personal information as there was inaccurate information being displayed on my credit report. They never corrected the problem or responded. I sent another letter on XX/XX/21 for the same issue. They have made no changes despite my multiple requests. Due to the fact that identity theft is at an all time high, it is important that these variations of my name, address and place of employment are removed and my personal information is displayed correctly. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.