23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear customer service, I found recently I have colection in my credit report. 
I visited the doctor in Maryland and I made XXXX. 
I asked the secretary how to get the results, she told me to come next week and I did not request to visit the doctor. When I arrived she told me that I have to get them from the doctor and considers that as a doctor visit. She then obliged me to pay XXXX visit copay of {$30.00} each with a total of {$60.00}. I called I requested to pay my doctor visit of {$30.00} and she refused and told me that she will send to collection the {$60.00}. 
She wanted and obliged me to visit a doctor to get the XXXX ; this is not fair. I used to get the XXXX without a doctor visit.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

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 XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion of the Following Accounts that have surpassed the 30 days federal law dispute period : To Whom It May Concern, I am writing to formally dispute the accuracy of multiple accounts listed on my credit reports with all three major credit bureaus ( XXXX, XXXX, and TransUnion ) which I initially started the dispute on XXXX, XXXX, 2024 through CFPB. 

The accounts in question are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports. 

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX Bank, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXXXXXX XXXX  and XXXX XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities.

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

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

On XX/XX/2021 XXXX reported an alert on a XXXX balance closed account from XXXX XXXX  180 past due in error. The account was originally held by XXXX XXXX. We contacted XXXX and they stated it was sent over right so the error was with XXXX. So we filed a dispute with XXXX and they removed XXXX but did not remove the late notice. So the action was incomplete.
Product: Mortgage

The Mortgage was assigned forced escrow because of missed insurance payment. The insurance company reinstated homeowners insurance. The Specialized Loan Servicing company kept claiming we owned escrow money. Keeping money in unapplied account and marking payments " late ''. Charging fees and affecting our credit.
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 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

This complaint pertains to XXXX and the Consumer Reporting Agencies ( CRAs ) XXXX, XXXX, and TransUnion. The issues involve a breach of fiduciary duty in a implied trust relationship, unauthorized practice of law, and failure to provide opt-out notices and disclosures for non-affiliated third parties. All these are in violation of the Privacy Act of 1974, the Trustee Indenture Act of 1939, the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and other laws. 

Starting from around XX/XX/XXXX, XXXX, along with the above-mentioned CRAs, began reporting nonpublic personal information about me to non-affiliated third-party consumer reporting agencies without offering me a notice of the right to opt out. This has led to a negative impact on my credit score, which in turn has caused housing and credit denials, as well as lost entrepreneurial opportunities. 

Specifically, the involved entities did not provide a clear and conspicuous disclosure that such information may be disclosed to third parties, nor did they give me the opportunity to direct that such information should not be disclosed, as required by the Gramm-Leach-Bliley Act and Title 15 USC 6802 ( b ) ( 1 ). 

In response, I issued a pre-arbitration demand notice on XX/XX/XXXX, to XXXX and the CRAs ( XXXX, XXXX, and TransUnion ). The notice clarified my position as the implied surety of a federally protected consumer in an implied trust relationship with their organizations. Despite this, my dispute has not been satisfactorily resolved. 

As a result of the unauthorized disclosure, I have suffered emotional distress, insomnia, disruption to mental clarity, and opportunity loss, quantifiable at {$110000.00} USD. I am also claiming damages of {$1000.00} USD per monthly reporting instance per party for a reporting disclosure period of two months in violation of the Privacy Act of 1974. 

If my dispute is not resolved within 5 days from the notice date, I will proceed with arbitration. I request the CFPB 's intervention in this matter to rectify these violations and to ensure the protection of my rights as a consumer. 

I am eager to cooperate and provide further information as required. Please find attached the original complaint notice sent to XXXX and the CRAs for your reference.
Product: Student loan

On XX/XX/XXXX, I called Navient to inform them that I had lost my job and wasn't sure how I could manage my nearly $ XXXX month loan payments. I asked if there were any options based on my situation and was told that interest only payments would only lower the payment by just over $ XXXX month. I told the representative that the amount was still too high and she advised waiting for a new month to start and calling again for a more favorable option. I then asked for her to ensure that Navient stopped calling me so many times a day, as it was multiple times starting as early as XXXX and going into the evening hours. She said she could. Today alone ( XX/XX/year> ), I have received XXXX calls from Navient. As I am writing this complaint, they are calling me a sixth time ( image attached ). Yesterday I received 5. I made a payment on XX/XX/XXXX, and am not even a month behind. They simply won't stop calling relentlessly. My loans are technically serviced by XXXX now, but the calls do come up as Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score dropped significantly due to unpaid debt to a Gap credit card. The Gap Credit card debt was true, but I want to explain why I made the mistake.

I opened the gap store card when I bought Gap clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX/XXXX had a wrong address on my profile. XXXX XXXX   showedmy original address isXXXX XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the Gap credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( XXXX ) XXXX.
Product: Debt collection

This collection agency is reporting on my credit reports for a debt that has never been mine. Someone has used my information for an apartment that I have ever stayed at. If they did a skip trace, look at any recent inquiries or credit reporting reports this address has never been attached to me. I stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX from XXXX through XXXX. Then, I moved to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX where I am still residing. This is not my debt, I pay my rent timely. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything.
Product: Checking or savings account

Discover Bank closed my savings account. Account number ending in XXXX on XX/XX/2022. After, I called Discover Bank to verify my identity. The Discover Bank banking specialist told me that my Discover bank savings account balance would be mailed by XX/XX/2022. On XX/XX/2022, I wrote a letter to Discover Bank & dispatched by Certificated Mail to mail a check for the balance. 
On XX/XX/2022, I mailed a letter by Certified Mail to XXXX XXXX, Vice President, Discover Bank Customer Service, asking that my check be mailed. 
On XX/XX/2022, I mailed a Priority Mail Letter to XXXX XXXX, President & Chief Executive Officer, asking that the balance in my Discover Bank Savings Account be sent to me. I still have not received the check for the balance in my Discover Bank Savings Account for {$3600.00}. 
I must have these funds by XXXX to pay my Property Taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Product: Credit card

My credit card bill did not make sense. I called and spoke to a representative who said it would be " reconciled ''. I did not hear back. I have now called 8 times, and still have no explanation. The representative today said the case was closed but I have no explanation, no idea what has happened - nor did he.
Product: Prepaid card

This is the case XXXX num for me with Direct Express. My name is XXXX XXXX I'm reaching out to you in hopes that I can get my issue resolved ASAP with Direct Express. Around XXXX or XXXX of 2024 I ordered a new debit card from Direct Express. Apon receiving the debit card from Direct Express I tried to activate it and for what ever reason now after 10 years that tell me they won't activate it unless not until but they said unless I verify my identity. They said email copy of id or birth certificate and Social security card. I then told them I don't have a id I'm a XXXXXXXX XXXX that does not have the means to move around but I do have my birth certificate and Social security card. So I emailed that in and I received a email about hour later saying they need more information. Saying please send copy of id front and back or birth certificate and Social security card. So I went through this for weeks and that's after each time I call I have to wait XXXX to XXXX minutes until finally someone answers just to say hold I'm transferring you to the fraud department and hangs up. So I gave up in hopes I could find someone to help me get to the XXXX in Indiana to get a id. Thanking maybe that would help. But like I said I'm XXXX and can't physically get around. So almost a year later I am now homeless lost all my belongings living on XXXX XXXX all because I'm in a wheel chair and can't get around or afford to pay someone to carry me to get a id and not sure that would help. So the poinXXXX is I emailed exactly what they needed then when that wasn't good enough they either hang up or pretend to transfer me then hang up all because they won't activate my card so I have no access to the money I earned while fighting a war for 19 year just so I can loose everything because they ( direct Express ) won't activate my card so I can access MY MONEY. This is not only rediculous but insulting. I'm hoping y'all will be different and actually help me Because no were does it say front and back of birth certificate and Social security card ( which I've never heard of that with these documents )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken the steps toi attempt to get my personal information, updated and corrected. I have sent the documents that are current and legal, my legal name is on my state issued drivers license in the State of Texas, and my Government issued Social Security Card. In my dispute of what is being reported, Equifax credit Bureau, continues to not change the incorrect spelling of my name. Equifax continues to list my reports with my middle name with an letter. Instead of the full spelling of my name. I have sent documents that are current and legal, but yet they continue to put a letter only for my middle name. Instead of my full middle name as presented on my drivers license, and my social security card. The other two credit bureaus XXXX, and XXXX XXXX are presenting my name spelled correctly as stated on my drivers license, and social security card. am requesting and demanding that Equifax present my full legal name as stated on my identifications
Product: Debt collection

i never been to vegas never rented a car in vegas this is not mind its another XXXX XXXX and they wont remove this fraud account or mis idenity account they wont call me back or anything
Product: Debt collection

I am a federally protected consumer and you have violated my consumer protection laws by stating I owe you a debt and sending my personal information to the consumer reporting agencies. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).

Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit. 
When I entered into the consumer credit transaction with you, I extendedly credit using my credit card XXXX social ). Everything was supposed to come out of my OPEN END CREDIT PLAN which is coming from my social security account. 
Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you XX/XX/XXXXout the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Product: Checking or savings account

Thief uses wire transfers in my Bank of America 's account to transfer my money to different bank accounts on different days. Total loss amount : {$160000.00} XX/XX/XXXX : {$1500.00} XX/XX/XXXX : {$45000.00} XX/XX/XXXX : {$45000.00} XX/XX/XXXX : {$45000.00} XX/XX/XXXX : {$29000.00}. When I found out that someone had used identity theft to move money out of my account, I immediately called Bank of America and filed a claim. The person at Bank of America on the phone said they would give me a temporary credit in XXXX days and asked me to wait for the investigation results. I submitted my claim on XX/XX/year> and it has been 2 weeks and over 10 working days so far. My claim case number is XXXX XXXX. I don't see any temporary credits or any message in my account. Now my life has become terrible because of this incident, because I don't have enough funds to pay my rent, pay my bills and my tuition. I also report to the police department and have the report number is XXXX.
Product: Checking or savings account

Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to XXXX XXXXXXXX XXXX several times before filing a complaint and dispute with Capital 360 bank after I paid XXXX To have flooring delivered to my house my XXXX XXXXXXXX XXXX because XXXX XXXX XXXX XXXX  cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my XXXX  information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house mby XXXX XXXX and that never happened and now I feel XXXX XXXXXXXX XXXX along with Capital one is discriminating against me because of my disabilitys  and Im getting ripped off my Capital one for XXXX.
Product: Credit card or prepaid card

Community Bank, I have close account and paid fees for month of XXXX, sent check they don't pay to accouny till after due date and charging more late fees, it going since XXXX, They holding payment after due date, hurting my credit, I have tried to deal them, they always a excuse that I don't pay in time
Product: Checking or savings account

I opened a savings account with citibank on XXXX XXXX and deposited a third party check from XXXX XXXX government for XXXX. On XXXX was sent email saying my account would be closed in 60 days.they told me my funds would be mailed to me then after the 60 days I was told I wouldn't be receiving any funds.i contacted comptroller of currency and filed complaint so on XXXX I was told I needed a notarized letter from payee that says they signed the check over to me and the amount of check and I did that.then they wanted i.d . from me and payee I sent them that then they asked for a copy of my electric bill so I sent that then they said I would have to get the bank that wrote the check to sign a hold harmless claim that was done and citibank honored it and then I get email saying my funds were sent to regions and I needed to get with them to get my funds... I sent email asking which regions it was sent to with no response.i went to regions and regions called citibank and citibank asked them to put me on phone they asked me for ref number I gave it to them and she said her hands were tied and all she could do was open a new claim she would not tell me who my money was sent to or why.so I have no way to get my funds and don't know that they were even sent to regions and this has been going on for a year
Product: Debt collection

I went through XXXXXXXX with XXXX XXXX XXXX and then they filed for XXXX XXXX XXXX in XXXX of XXXX then in XXXX of XXXX the charges were converted to to XXXX  XXXX. XXXX XXXX XXXX ( XXXX ) " Relationship of Parties. Buyer acknowledges and agrees that XXXX is not a lender but rather the payment processing service provider of Provider '' ( Written contract between the buyer and XXXX ) were still trying to charge me for services not provided. I have written email to XXXX to cease all effort of collection but they continued anyways. The account has been since since transferred to XXXX and been sent wrongfully to collection impaction my credit. I've sent letter to XXXX to verify their right to collect and since no answer.