23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2018 I had a medical procedure done at XXXX XXXX Hospital. The original bill of the hospital was {$20000.00}, the plan paid {$9300.00} and I had to pay {$3900.00}. Funny, the bill was itemized and I was charged for services I did not receive, they said they were available to me? One of the services was Physician {$15000.00}. My plan paid {$7300.00} and I paid {$3100.00}. A month later I received another invoice for the same procedure from the physician Dr. XXXX XXXX from XXXX XXXX XXXX in XXXX, SC in the amount of {$1100.00}, plan paid {$68.00} and they said I owed {$29.00}. I contacted the office and explain this was a double bill for the same procedure. The bill was turned over to Receivable Management Corporation on XXXX XXXX XXXX, SC. They used the strong armed tactic threatening my credit even after I explained this is a double bill. Then Receivable Management Corporation put this {$29.00} against my credit report. With the XXXX Credit I filled a dispute because this is a double bill for the same procedure. All they did was verify that the dispute was in my name, not whether it was a valid dispute. Everyone is saying the physician can charge you whatever they want to and the insurance does not question, they just pay. The final part to this story is Dr. XXXX XXXX tried to XXXX me. Because of his incompetence I had to be hospitalized for 4 days in XXXX with XXXX XXXX XXXX because he refused to treat me correctly for my symptoms.
Product: Checking or savings account

On XX/XX/23 I initiated a wire with Chase Bank for an equipment purchase for {$20000.00}. I quickly learned that the intended recipient had their email account compromised and the wire information was change to a fraudulent account resulting in me sending funds to a fraudulent XXXX XXXX account. 

I immediately issued a wire recall and opened a case with Chase Bank. I have inquired multiple times on the status with the case with the Wire Recalls department and they instruct me that a " Hold Harmless '' letter is being required from the receiving ( fraudulent bank ) and I must contact the Chase Claims department. When I call the Claims department, they inform me that they do not issue Hold Harmless letters and I need to contact the Wire Recall department. 

This has been going on for nearly 2 weeks and each time that I call in I get a runaround answer and end up going in circles. My fear is that this case will be closed if the proper documentation is not issued by Chase bank to recall my fraudulent wire. 

XXXX XXXX wont speak to me since its not my account ... But clearly this wire should not have even been successfully processed if it was sent to an account that did not a have matching business name/address to the account/routing number. 

Thank you
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding my credit report and request the immediate correction of inaccuracies related to late payments. Upon reviewing my credit report, I have observed discrepancies that I believe require your attention and correction. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE I understand the importance of accurate credit reporting, and I am committed to maintaining a positive credit history. However, the late payments mentioned above are not reflective of my actual payment history with these creditors. I kindly request that you investigate and correct these inaccuracies promptly. 

To assist in your investigation, I am enclosing copies of relevant documents, such as bank statements or payment receipts, which substantiate that the payments were made on time. I believe that a thorough review of these documents will support my request for the removal of the late payment notations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter with my attached proof from XXXX to XXXX  and XXXX  in 2017 requesting them to update my credit report. I got response back from XXXX  in a email stating they only could update my credit report once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a security freeze with Experian due to identity theft. 
I recently requested to permanently remove it, but it is evidently still in effect, since I can not set up an account with social security due to the freeze still on. 

I tried to remove the freeze online, but got a problem message. I have tried numerous phone numbers, and ALL of the menus are messed up : either recycle questions, or only allow to put ON a security freeze. There is no way to talk with a person, although at one point in the past 10 years, according to my notes, I must have gotten through somehow.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis sent me a copy of my consumer disclosure report. On that report, there were nearly 9 pages of different variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the following data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.
Product: Debt collection

Dear XXXX Credit Request for Deletion of Collection Debt I hope this letter finds you well. I am writing to address an issue regarding a collection account listed under my name and to request its deletion based on specific legal provisions. 

I understand that the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) outline the rights of consumers concerning debt collection and credit reporting. To summarize the relevant laws : Fair Credit Reporting Act ( FCRA ) : -The FCRA mandates that all information reported to credit bureaus must be accurate, complete, and verifiable. 
-Under Section 623 of the FCRA, if the information provided by a debt collector is inaccurate or unverifiable, it must be corrected or deleted.

-Additionally, Section 605 outlines that negative information, including collection accounts, should be removed from a credit report after seven years from the original delinquency date. 
Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA ensures that debt collectors follow fair practices in their dealings with consumers. This includes providing accurate information about the debt and ceasing collection activities if the debt is disputed or deemed incorrect. 
If a debt collector fails to validate the debt upon request or continues to report inaccurate information, they are in violation of the FDCPA. 
Based on the above regulations, I am requesting the deletion of the collection account XXXX XXXX XXXX ( XXXX XXXX ) from my credit report due to [ state the reasone.g., inaccuracy, failure to validate, or expiration of the reporting period ]. I have enclosed relevant documentation supporting my request. 

Please confirm the receipt of this letter and the steps you will take to resolve this matter. I appreciate your prompt attention to this issue and look forward to your response within the timeframe stipulated by law. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Experian for Failure to Correct Identity Theft Issues To Whom It May Concern, I am filing a formal complaint against Experian due to its outright refusal to correct fraudulent information on my credit report, which arose from identity theft. Despite providing clear evidence that XXXX XXXX accounts were fraudulently opened in my name, Experian has refused to take action to remove them. 

These fraudulent accounts were opened under the name XXXX XXXX. However, my full legal name is XXXX XXXX XXXX, and I always use my middle initial or full middle name. The identity thief did not know this, which is clear evidence that these accounts do not belong to me. Despite this discrepancy, Experian continues to report these accounts as valid. 

Additionally, Experian has created unnecessary barriers to correcting this information. Their website makes it nearly impossible to submit disputes without purchasing a paid membership, which is an exploitative practice that directly harms consumers. By refusing to correct these errors, Experian allows XXXX XXXX to continue harassing me over fraudulent accounts that I did not open. 

Experians failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) is unacceptable. I demand immediate corrective action, including the full removal of all fraudulent XXXX XXXX accounts from my credit report. I am attaching supporting documents that further illustrate Experians failure to resolve this matter. 

I request that the Consumer Financial Protection Bureau investigate Experians practices and ensure compliance with federal regulations. I expect a prompt response and resolution to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX and XXXX failure to respond and are not omplying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX this morning experian closes another complaint without addressing the issue of them stealing now 18 months of on time never late payments to XXXX and refuse to give them back and give explanations that have nothing to do with the problem
Product: Credit reporting or other personal consumer reports

I am filling a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX. DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize!
Product: Debt collection

Sequoia Financial Services I am writing to formally address the emotional distress caused by the wrongful collection efforts made by your company on behalf of XXXX XXXX XXXX XXXX regarding the claim identified as Claim # XXXX. These efforts were made without any proper evidence of my liability, and I have been subjected to unnecessary stress, XXXX, and emotional hardship due to your actions. 

As a result of your companys continued attempts to collect payment from me, I have experienced significant emotional distress. I have had difficulty sleeping, increased XXXX, and a constant sense of worry. The stress caused by this situation has affected my day-to-day life and overall well-being. I trust you understand the importance of handling such matters with fairness, as the lack of clear evidence against me renders these collection efforts inappropriate. 

Given the emotional burden this situation has caused, I am seeking compensation in the amount of {$2500.00} for the distress and impact it has had on my life. Should this matter not be resolved amicably, I will be forced to pursue further action, which may include involving legal counsel and escalating this matter in court, which would likely increase the amount of compensation I seek to cover legal fees and additional damages. 

Please be advised that I expect a resolution to this matter promptly. I kindly request that you respond to this demand within 14 days from the date of this letter. If you choose to settle this matter before litigation, the amount of {$2500.00} is my proposed settlement figure. 

If I do not receive a satisfactory response, I will be compelled to pursue further action, including consulting with an attorney and possibly filing a lawsuit for damages related to emotional distress, defamation, and any other applicable claims. 

I look forward to your prompt response.
Product: Mortgage

When I bought this condo the loan officer told me he was going to charge me {$1000.00} to lower the XXXX inters he never told me he was going to put me in the PMI even though I did put the 20 % down for this place.
Product: Debt collection

XXXX XXXX XXXX XXXX ropossessed vehicle around XXXX OR XX/XX/2019. The remaining balance about XXXX was charged off and sold to Fidelity Creditor Services around XX/XX/2019. Credit report show Fidelity Creditor Services as collection  agency actively attempting to collect on debt. Report shows XXXX XXXX as the original creditor. XXXX XXXX also shows the balance which every month continue to increase as owed to them on credit report. These items have been disputed with XXXX, and XXXX, for about 5 months. Both companies send back the balances and accounts are validated and accurate. It is my understanding that a consumer can not owe 2 companies for same debt/ accounts. Fidelity currently shows balance of XXXX, and XXXX shows balance of XXXX. This balance continues to increase. One account is showing on credit report twice under 2 different companies increasing debt to over XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I would like the below inquiries deleted as I did not authorize these companies to optain a copy of my credit report. 

XXXX XXXX XX/XX/year>, XX/XX/year> XXXX XXXX XX/XX/year>, XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am unable to obtain my consumer report from credit reporting agencies
Product: Credit card or prepaid card

On XX/XX/2021 I received an email from Chase advising me to call for a periodic review. Upon receipt of the email, I called to see what was needed from me. After going through the verification process, the gentlemen I spoke with advised he was going to ask a few questions to help him review my account. Please see below on some of the questions asked. 

1 ) income 2 ) what are you using ur credit card for 3 ) have a personal loan through another company, what was the personal loan for?

4 ) why was my balance so high?

5 ) where did I get the funds to pay my balance?

6 ) did I take a 401k loan to pay my card off in full?

After answering the questions, the gentleman advise now that I have paid my balance in full they were lowering my line of credit from $ XXXX to $ XXXX. 

Here is the problem, I felt the questions were way to invasive. Personally speaking, why would a credit card company ask if you took a XXXX loan to pay ur balance? Sounds like discrimination to me. Additionally, he never advised me of the possibilities and to be honest this was a deceptive practice or the agent I spoke with was deceptive and unfair in his approach. Quite frankly, down right XXXX. I can totally understand a credit card company making a decision like this if I was not paying on time and didn't pay the balance off in full. 

I did inform the gentlemen that I felt deceived and that he was making an uninformed decision with the little information he had available. I advised him I used my savings to pay my cards and personal loan off that were showing on my credit report and that at the time of my statements cycle it will show as being paid in full.
Product: Checking or savings account

Notified Albert immediately of two charges I did not authorize from XXXX XXXX XXXX- they texted me two days later saying that they've closed the case and it was not fraud. They never reached out to me asking for any sort of information - simply stated the case was closed. I didn't authorize the transactions and still stand by the fact that I didn't authorize the transaction. This is following a debacle on XX/XX/XXXX in which I provided evidence that I had multiple direct deposits submitted and they did not post or credit my account. I emailed and texted multiple times and was eventually forced to even have to reach out via XXXX to get any transaction on the issue. They eventually acknowledged that they did see the deposit and only by my constant badgering did they release it. There are quite a few practices that are incredibly concerning taking place there that need to be looked into.
Product: Debt collection

Within XXXX ( XXXX ) minutes of each other on or about XXXX P.M., today, XXXX XXXX I received XXXX dunning telephone calls from the Bank of America. 

Furthermore, I had requested a reduction in my car loan payments but never received even acknowledgment from the Bank of America and yet the now are harassing me for full payment despite my request! 

I am a XXXXr citizens of advancing years with very serious medical problems indeed and the Bank of America is committing elder care law violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three hard inquiries on my Experian credit report from XXXX  XXXX XXXX. I did not apply for credit with this company. I called experian and XXXX  XXXX XXXX to dispute the inquiries but have not had any response.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent To Whom It May Concern, I am writing to address discrepancies on my consumer report. My details are as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, IL, XXXX I recently reviewed my consumer reports and observed that you have reported transactions which, according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a 2Ai, are excluded by law.

The FCRA clearly states that a " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the reporting entity. Furthermore, the definition of a " consumer report '' does not encompass XXXX or XXXX scores, nor their respective algorithms. 

Given this, the reporting of transactions between myself and the following institutions is in violation of 15 USC 1681a XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Status : Open. {$37.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Status : XXXX. {$220.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Open. {$82.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Open. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Status : Open. {$120.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Status : Open. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20.00} Status : Open. {$15.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Status : Closed. {$210.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX Balance : {$200.00} Status : Open. {$60.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Status : Open. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Status : Open. {$640.00} past due as of XX/XX/XXXX. 

these actions have adversely affected my reputation, character, and overall well-being. As such, I request the removal of the late payments associated with these accounts from my consumer report.

As per 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given the evidence and the provisions of the FCRA, I urge you to rectify this matter promptly by deleting the aforementioned late payments from my consumer report. 

I await your prompt response and corrective action. 

Sincerely, XXXX XXXX XXXX