23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, On Wednesday XX/XX/2021 I became aware a medical bill had been sent to collections. During my visit to this medical location I provided my health insurance card to the employee that came by and asked for it, she didn't seem knowledgeable about insurance but took a picture of my card and all my information. A couple of days later I received another phone call from this medical center stating they needed my health insurance again, I provided my insurance policy number, the name of my insurance, and even googled my insurance 's phone number since they were for some reason unable to get a phone number themselves. I then called again once more myself to make sure they were going to file a claim and had my information correct, because my insurance stated they had not submitted a claim yet. During that call I once again provided my insurance policy number in addition to my insurance 's po box . 

I a county employee and therefore have insurance through my county, and have had insurance through my employer since XXXX.I am not sure if XXXX XXXXXXXX  was unable to submit a claim due to this happening closely to when COVID19 happened and California went into sheltering in place, but regardless I provided my health insurance 3 times. If they neglected to file an appropriate claim even though I had provided my insurance name, policy number, phone number and po box it is quite frankly neglect on them and there was no reason to send me to collections for it. It was inappropriate of them to send this to collections when I provided health insurance and had received no other letters to my home address regarding this. I only realized this had occurred because I saw this on my XXXX credit report. In addition my insurance states that since they neglected to file a claim within 90 days of seeing me it is no longer valid. Furthermore when I called the collections place they wanted me to sign a waiver so that they can still charge my insurance, even though my insurance said that is not allowed. 

I have contacted this Medical Center multiple times since seeing this on my credit report. They keep referring me to different departments all of which appearto have no one in office, making this situation extremely difficult. I have called and left messages and have not received a call back. This situation has wrongfully harmed my credit score as well as my mental health given all the XXXX and XXXX it is causing me since I am unable to reach anyone at this medical Center at all. 

I am glad to provide my health insurance information once more if that it was it takes for this to me deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PIONEER CAPITAL SOLUTIONS {$1000.00} There is no valid claim, no contract exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX NA Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Product: Debt collection

Identity theft by an employee in the creation of a counterfeit document, in an attempt to use in the legal system to deprive the consumer through fraud. It is a federal crime when a person " knowingly transfers or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' In which personal information from my account and that of another, was used to create the counterfeit document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX CRED Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 





XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/18 to XXXX disputing my account being reported as a charge off. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from XXXX dated XX/XX/18 that stated that XXXX updated this account to reporting as " Paid in Full ''. I received another letter from XXXX on XX/XX/18 that stated they were researching my request and would provide a response by XX/XX/18. After I received that letter from XXXX, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions an account that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I received a letter from XXXX dated XX/XX/18 that stated the account was being reported accurately. I received another letter from XXXX dated XX/XX/18 stating again the account was being reported correctly and they provided a copy of a billing statement. I pulled my XXXX  report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX on XX/XX/18 disputing the validity of how this account is being reported and all three credit bureaus reported the account is being reported correctly, and this account was not marked in dispute on my XXXX report. XXXX has violated section 623 ( a ) ( 3 )  of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting this account be removed. Please see attachments for all correspondence.
Product: Debt collection

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$670.00}. And {$960.00} Account # XXXX. I did not make or authorize this charge. 
I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. 
Disputed Account # XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX. 
Total Amount Claiming : {$670.00} and {$960.00}
Product: Debt collection

XXXX XXXX XXXX Opened a fraudulent account under my name went to collection and I proved them it was not mine. 
They were willing to delete it and they did 6 months later a credit dent collector ( XXXX XXXX XXXX ) is trying to collect something that was previously deleted and settled because it was no mine
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX Account Number : XXXX It's showing that I have one late payment report. I am just asking for validation of the debt to help me better understand the basis of the debt and evaluate it for myself and I believe that the late payment it's inaccurate. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit card

Ive been an American Express ( Amex ) customer since XXXX have never been charged a late fee or interest charges as it relates to my credit cards. 

I recently opened a new Amex credit card under account XXXX but it seems the Autopay function did not carry over from my current Amex credit card to my new Amex credit card which resulted in a {$29.00} late fee on XX/XX/XXXX and {$58.00} interest charge on XX/XX/XXXX. 

I called Amex customer service on XX/XX/XXXX as asked why the auto payment did not occur for this account and was told that this needs to be manually entered. I requested the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) to be refunded as a one-time exception and was denied on the basis that this is a new account despite explaining that I have been a customer since XXXX and having explained that I was not aware that the auto-pay must be manually entered for each account.

It is my belief that Amex willfully engaged in deceptive financial practices to harm consumers by instituting a manual autopay function for each account for the sole purpose of charging late fees and interest charges. I would further accuse Amex of financial fraud and ask CFPB to investigate this further.

As resolution, ( 1 ) I ask CFPB to request Amex to refund the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) back to my Amex account XXXX and ( 2 ) I ask CFPB to investigate AMEX for deceptive financial practices to harm consumers as it relates to this case for late fees and interest charges.

Thank you. 

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

Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( Experian, XXXX and XXXX XXXX ) for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I explained the above by way of notarized letters ( attached ) mailed ( certified ) to Experian, XXXX and XXXX XXXX on XX/XX/2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.
Product: Debt collection

Notified agent from Wells Fargo calling my phone on XX/XX/2023 that I was not the party they were looking is not at this phone number ( my number ). I also stated to them, " Never call this number again, or I will report you ... '' They have also attempted to make their repeated calls by calling from different numbers. XXXX, XXXX and XXXX. 

I received another call from them today, XX/XX/2023.
Product: Credit card or prepaid card

On XX/XX/XXXX, my girlfriend and I purchased a real estate course/coaching program costing us {$41000.00}. I personally used 5 credit cards, XXXX XXXX ( {$3600.00} ), XXXX ( {$6000.00} ), XXXX XXXX ( {$10000.00} ), XXXX ( {$720.00} ), Capital one ( {$8000.00} ). The remaining costs were covered by my girlfriend through her credit cards. 

On XX/XX/XXXX the company that I bought this program through, XXXX XXXX and its related entities, were placed into a Receivership and an injunction was filled against them. The injunction orders Ban on real estate-related investing or selling products and services and business coaching programs and therefore anything that I purchased through this company is no longer available to me and nothing will be delivered as agreed. As you can see this injunction was filled 5 months after my original purchase date ( XX/XX/XXXX ) and I no longer will receive all that was agreed on in the purchase agreement. 

Please visit XXXX for all paperwork and full documentation regarding this matter. 

On XX/XX/XXXX I sent a letter to Capital One in regards to this billing error with the same paper work that is attached to this current request. On XX/XX/XXXX I received a response from Capital One stating that my dispute had been declined and closed, quoting " to preserve your dispute rights, you must contact us within 60 days after the error appeared on your statement. '' as you can see, I had no control on when this happened. In addition, my girlfriend used her Capital One card for an amount {$10000.00} for the program and her case was resolved and cleared. Her dispute included the same paperwork and was put in the mail at the same time as mine. 

On XX/XX/XXXX I sent a letter to XXXX in regards to this billing error with the same paper work that is attached to this current request. on XX/XX/XXXX I received a response from XXXX stating that my dispute was against my favor and considered this charge to be valid. 

Furthermore, all of my other credit card disputes mentioned in the first paragraph have been cleared and taken off my account and credit score, with the exception of Capital One and XXXX. I believe for both of these responses to be incorrect as I was not and will not receive any of the services I paid for with these cards. I have tried calling the companies again but they have closed these cases and will not allow me to reopen them. 

As of today XX/XX/XXXX I am still making monthly payments to both of these companies for services and products I did not receive and will not receive. It is also harming my credit score and in these tough times it also weights in my personal life. 

Thank you for your urgent help with matter
Product: Vehicle loan or lease

The company is calling multiple times per day. Including back to back. We asked if they could lower the payments or extend the lease and they said lowering the payments was not an option and we could only put a month at the end of the loan. We were honest and told them we wouldnt be able to afford it due to a job loss and they said nothing we can do. 

So as we continue to get behind, we have spoke with them regarding the fact that they have called local businesses looking for us and questioning them. Since we are in a small town this was a bad move on there part. They have also questioned and called my neighbors and employers multiple multiple times. We even told them if they continued that we would consult an attorney. They have continued. We told them to take the car. We are done. Between the excess in phone calls, the inability to work with is, the public embarrassment, and harassment of our neighbors this is crazy. The creditor is ford motor credit
Product: Debt collection

There is an outstanding amount in collections totaling {$1900.00} from Plaza Services on my XXXX Credit report. It says the amount originated on XX/XX/2018. I do not know anything about this amount and it is not mine. I have not taken out any additional loans or debt other than the other items on my credit report. If you look at my credit history, I am 100 % on timely payments and have no missed payments. I filed a dispute with XXXX  but they said the debt was accurate, even though I did not incur this debt.
Product: Vehicle loan or lease

We are 2 months behind on car payment. Called today to make a payment of {$420.00} which is my monthly payment. The caller refuse saying if I didn't have {$600.00}, I had to turn the car in. I asked the caller to explain there policy. Caller stated he was told to only accept {$600.00} from me. I am on a fix income and I make a payment once a month. they refuse my payment but will try to report it to credit bureau like I was late but I'm on time. Caller stated I had to have {$600.00} or turn the car in. I just want to pay my car payment and drive in peace but the works at the location is very rude.
Product: Credit card

I currently have an active Business Account with Discover Business ending in XXXX with a XXXX limit. Several years ago I successfully settled out of court for an undisclosed amount with Discover Business Card because they refused to comply with the FCRA regarding fraudulent transactions that were made to my account. After receiving the payment from Discover Card the agreement was that they were going to remove all fraudulent transactions and reissue a new account number. Yesterday when I spoke with a representative at Discover she advised me that the new account would be mailed expedited. Today when I spoke with the fraud department I was told that the account was closed. This is not true because several people at Discover advised me that I have XXXX available for use with a XXXX balance.
Product: Credit reporting or other personal consumer reports

I have never applied for any vehicles since XXXX. Its someone that showed me recently all the inquiries that i have on my credits reports and i was shocked because i dont recognized any of this. please help me remove them because i never applied for any vehicle and dont have current vehicle linked on my credit. 

Thank you
Product: Debt collection

I was contacted from XXXX, UT XXXX from a law office attempting to collect a debt. I was first inform it was on my son, then after I told them he was a minor it became my debt. It was from XXXX XXXX in XXXX, TN. I was irate because I know that I canceled this account and did not owe any funds. I went to XXXX XXXX and had them review my account and it was confirmed that my account 's last payment was on XXXX of XXXX and the account was properly closed on XXXX of XXXX. No money owed and accounts are closed. They informed me it could be a scam. I did make a return call to the number to inform him of the account numbers the last payment date, and the closed account date. I also told him no money was owed on either account. His only response was to inquire if i was going to pay him or not. This is an abuse of power and predatory attempts to collect a debt that is not owed.
Product: Credit card

My credit card was used on XX/XX/year>, by someone that was not me, for over XXXX XXXX 

I got a text message via chase asking if it was me. I said NO. And they said they closed the account/will send a new card. 

I then called them that night regarding how fast I could receive the new card. 

On XX/XX/year>, I received a call from Chase XXXX department directly to inform me that the dispute has been closed in my favor and that the temp credit would be permanent. I thanked them for their time. 

Now on XX/XX/year> I received a letter via Chase.com to let me know that the charge is valid and the amount will be put back on my credit card. 

How can they call me to tell me its closed in my favor and then 3 days later tell me its not? bad customer service, and just lost my trust. 

I would like them to go back and honor what I was told via phone on XX/XX/year> by the lady with chase XXXX XXXX.