23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter in the mail on XX/XX/XXXX addressed to my deceased husband XXXX XXXX. It was from PHH Mortgage Services. There was information on there about a Misc repayment and an escrow disbursement. XXXX passed away in XXXX and he has not had a mortgage since XXXX. I called the company to find out what this was about and they would not give me any information. They said I needed to send them his death certificate. I told them that I was not going to do this because I had no idea what this was even about and then they hung up on me. 
It sounded like a scam and I wanted to report them so another person doesn't give them information and get taken like they were trying to do to me.
Product: Checking or savings account

I just got a phone call today from wells fargo About the The complaint. I put in to the CFPB About put my son To be put.on my POD Pay upon death. I feel like I am being harassed. The lady call me day act like she doesn't know what I was talking about., I'm telling her exactly what's going on and she questioned me 5 and 6 times like she Don't understand. What? I am saying. like I aint got no sense of conductin my business. She telling me they have not received my application I called before and they say they received them and it would take 2 months to do this 2 months is now..She trying to argo with me and make me sound like i'm I don't know How to conduct my business
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been provided with written verification of a valid contract, detailing the valid debt in writing despite my request for it. The debt shows that I had utilities in another state started in 2021 other than the state I live in.
Product: Debt collection

I, XXXX XXXX, am writing this complaint to formally dispute the inclusion of an account on my credit report and request its immediate removal. The account details are as follows : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. I must bring to your attention that both XXXX and XXXX have already removed this account from their records, acknowledging that an error was present and promptly rectifying it. I find it perplexing that your bureau has verified this account, especially when other reputable bureaus have recognized and corrected the error. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Debt collection

My son XXXX was treated for XXXX at XXXX Hospital on XXXX/XXXX/13. At the time I was unemployed and had no insurance. One of the nurses suggested we apply for XXXX because I was unemployed. 

We submitted all requested documentation to the XXXX vendor the hospital used and were told by one of their representatives that our application had been approved. 

Two years later, XX/XX/2013, we received a notice of Lawsuit from the law firm of XXXX, XXXX, XXXX on behalf of XXXX Hospital for {$1000.00}. The full amount of my son 's treatment. 

I contacted the hospital and I was told that my XXXX XXXX Application had been lost. That they had been using an outside vendor and the hospital was forced to terminate their contract due to many errors. I asked if they would honor my original application and they declined. 

As a compromise, I offered to pay {$600.00} to settle the account and the person I spoke to agreed to my offer and I made a payment of {$600.00} via debit card. I later checked with the law firm and with the court and they confirmed that the lawsuit had note been pursued. 

There was no further collection activity of any kind for another 3 years until I received a collection letter from Certified Credit & Collections Bureau on behalf of XXXX for {$490.00} which is the balance I would owe from the original bill. 

I have done everything possible to honor the debt as best as I could. The hospital has carelessly and recklessly perpetuated the collection of this debt for almost 6 years. This has been a very frustrating experience for me and my family at a time when we are under financial stress. 

I believe this account to settled and it is unfair that the hospital is engaging in these predatory practices. We believe that the debt in question has been satisfied and we should be considered settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian received my dispute in regards to the inaccurate reporting of the XXXX XXXX account for the amount of {$420.00} being reported on my consumer file. I informed Experian that I previously disputed this account and requested a debt validation from XXXX XXXX that was received by their office on XX/XX/2021. XXXX XXXX failed to respond to my request for debt validation and continues to report disputed unverifiable information to Experian. Therefore, I have deemed this account as fraudulent due to XXXX XXXX 's failure to respond and validate the alleged debt. Furthermore, this account has not been noted on my consumer file as disputed by either Experian or XXXX XXXX since the commencement of my direct dispute with the furnisher of information, as well as with Experian. I have yet to receive any notifications or reinvestigation results and this dispute has exceeded its reinvestigation 30-day period which concluded on XX/XX/2021. By law Experian is required to delete this account and has failed to comply with the reinvestigation procedures in regards to consumer disputes as set forth in the Fair Credit Reporting Act and my rights as a consumer have been violated.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit report and they don't correct or delete this account I will be seeking {$1000.00} for each violation. 

Account name : XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the Fair Credit Reporting ACT, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Consumer Loan

Navy Federal Credit Union is charging for a loan that I did not co- sign for ... they refuse to show the promisory note of the loan loan #. I contested the loan back in XXXX ( see attach letter ) They the credit reporting agency XXXX took it off. then they have put it back on I an not responsible for this loan. I filed an earlier clam, case # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right 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 instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports
Product: Credit card

On XX/XX/XXXX, I filed a claim to utilize the extended warranty benefit on my Citi Double Cash card. The claim was for an 4K HDTV that was not functioning in 4K. I submitted all of the required paperwork on XX/XX/XXXX and was told that a third party company would be used to verify the issue and determine a salvage value. I was not contacted by the third party service until XX/XX/XXXX ( 28 days after initial contact ) and asked for a few basic questions about the situation. After another 47 days ( on XX/XX/XXXX ), I contacted the Citi Benefits team and was told the third party company had submitted their report on the situation, even without coming out to verify the problem or seeking additional information from me. Today ( XX/XX/XXXX ), I received the notification that was my claim was denied, which is 96 days after my claim was initially filed. The reason given for denial cited that the " ( TV ) unit does not have the same compatibility rate '' as the 4K device. This is technically incorrect - the TV has twice the required rate for the 4K device, so there should be no compatibility issues due to that. I called Citi Benefits customer service to make them aware of this error and was informed that it was my responsibility to seek another vendor to verify the issue. After being told this, I asked to speak to the manager ( XXXX ) and was informed that he would request that the same third party service come and physically verify the issue. I have no confidence that there will be any resolution or follow up based on my previous experience with this group. 

Based on time duration, constant errors, and technical incompetence through this process, I believe Citi is intentionally trying to avoid honoring their extended warranty benefit. I also have no confidence that the customer service team supporting the Benefits department is advocating for the customer or trying to seek fair resolution on these issues in a timely fashion.
Product: Debt collection

I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The  harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my XXXX   XXXX showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.
Product: Student loan

my loan is being managed by XXXX. 
I have been trying to get my repayment plan corrected since XX/XX/XXXX. I have been provided a series of misinformation and horrible customer service. There have been horrific errors to my account including at one point changing my name to my spouses. The company through your help agreed to allow me to make payments for the missed months to count toward my PSLF plan. They required me to recertify I work for XXXX XXXX months early to do so. I have 2 dates listed on my file a computation date XX/XX/XXXX and a station eod date XX/XX/XXXX. They are denied my PSLF application bc the prior application had the eod date and the current one had the computation date. Now none of my payments are being counted towards my PSLF and the back payments I applied ( when I was originally in forebearance during that time ) have counted toward my PSLF either. This has been a total nightmare with me in tears every time I speak with them. The last rep was just heartless and totally empathic especially when it was this company that had disastrously messed up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : # XXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

Please reference the letter that I am attaching, that was sent to Equifax on XX/XX/XXXX. I asked them to investigate errors on my report and respond. They were supposed to do that within 30 days, but I have not received anything yet.
Product: Debt collection

This payment was settled with the hospital directly and Progressive Management Systems has not verified the collection. They have provided no contracts, signatures, or other documentation confirming the debt is verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks to cfpb, XXXX is trying to help me with my current mortgage situation after my home was destroyed along with 600 other in the WOOLSEY FIRE on XX/XX/XXXX Fema disaster number XXXX. My Fema disaster number XXXX After trying for 6 months and being pushed around from department to department, I FINALLY recieved some resolution from XXXX XXXX from the Ombudsman. Again this was only after I had to file a complaint. XXXX and I worked out an agreement that I would be paying XXXX starting in XXXX for 6 months, and repay with a balloon payment at the end. I tried to push all my payments off until after the rebuild and apply to my principle, but this was not an option. That would have been nice and less stressful for me because it has not been easy to have to come up with a mortgage payment on a home that is no longer there and having to pay rent else where. 
I have been making the payments, but XXXX has reported the XXXX payments late. This is now effecting my credit. I have perfect credit, but now this is an issue. I called to find out what was going on about the reporting to the credit bureaus and have heard nothing. 
I also asked XXXX about what she could do to help me being a Fema victim and she said that I am not marked a Fema victim and she could not call Fema and ask them. 
This was not in her job title. 
I called Fema and they do not send out letter to mortgage companies stating so. So here I stand a victim but SPS not acknowledging it? 
Fema said all they have to do is call the 800 Fema number and give those case numbers and they would confirm it. 
The Woolsey fire has been declared a Natural Disaster thru XX/XX/XXXX and may go on longer.
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 2 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  {$3800.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX XXXX XXXX {$720.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Told us this was about fixing debt and said they would do a soft reporting that is actually a hard inquiry and it was mis leading stating that it would be to look at credit now we have a million people calling us because they have sold our information.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, Experian, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. The corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fall within the definition of financial institutions described under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. XXXX, XXXX and Experian lack my consent to furnish this information in regards to the above mentioned financial institutions and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to XXXX, XXXX and Experian is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to apprise me of this option in any clear conspicuous manner.
Product: Checking or savings account

Claim XXXX was submitted to Capitol One regarding unauthorized charges on my account. On XX/XX/XXXX Capitol One reversed the credit issued stating the charge was valid. The charge of {$820.00} posted to my account on XXXX XXXX. On XX/XX/XXXX Capitol One issued the temporary credit for {$770.00} ad the charges should have been {$41.00} as per the merchant, Code XXXX XXXX. Capitol One was provided a copy of my drivers license and a itemized receipt, along with a signed copy of the debit card receipt. The signature is clearly NOT my signature. This is clearly evident as per the signature on my Drivers License and card receipt. The merchant never provided me with an itemized receipt or a debit card receipt. They stated the machine was broken. This is clearly fraud and Capitol One has an obligation to conduct a proper investigation and protect their customer. 

Last message sent to Capitol one on XX/XX/XXXX and have received NO response : I am writing again to request a copy of my SIGNED debit card payment receipt. I received the documents previously provided by Capitol One, none of which have my signature indicating my agreement for the charges. 

The establishment in question took my debit card and ID upon entering. Upon asking for my check, I was shown a handheld card reader machine with an amount and told it was in XXXX pesos. Nothing else was provided. 

The merchant CODE XXXX XXXX, requested to copy my identification and swipe my debit card upon entry into the establishment, and again when I requested to pay the charges. I was shown a handheld terminal screen and told the amount was in XXXX PESOS, not US dollars. 

The itemized receipt you provided is not a representation of what I ordered in the establishment. 

This is XXXX and I expect Capitol One to resolve it. I have no way of contacting the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capitol one ( my credit card company ) and ask them if they could add my account information to XXXX Credit Bureau Agency so i can have a longer credit history on my XXXX credit report. Capitol One reply 's that I need to contact that credit bureau and have them add it on to my report. And I called Cap One and XXXX least 3 times Each and almost XXXX hours later, both parties claim that there's nothing more on their end they can do. 
My question to cfpm is what can i do on my part to get my Cap One credit card info on to my XXXX credit report? i have excellent payment history gone unnoticed and 11 years of great credit payment history. Please advise
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 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.