23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a bill/letter from Phoenix financial services stating that they were a debt collector trying to collect on a medical bill. I received this letter on XX/XX/XXXX in which according to the letter I had a certain amount of time to respond on which I did with the following. Dear Phoenix financial services I would like you to send me any and all information about this debt. Name of original creditor, the original amount due, etc. The amounts they say I owe are not matching. What I mean by that is the original letter had different amounts. When speaking to a rep when I received the first letter, person name was XXXX XXXX said they were willing to settle for a little over $ XXXXfor both bills. 
I received their itemized letter XX/XX/XXXX it's not itemized. What they are trying to collect on is a XXXX year old ambulance bill the date XX/XX/XXXX. 
It was from a car accident which my insurance company covered. My insurance agent has all this information also and they are also looking into it
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was included in the hack discovered on XX/XX/17 according to equifaxsecurity2017.com It took over a month to inform consumers about this hack and we have been unprotected and unaware this entire time.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/202XX/XX/XXXXXXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.
Product: Credit card or prepaid card

Purchased electronic dog trainer XXXX XXXXXXXX dogs. It did not show up. I needed it immediately. Went to box store bought one. Company agreed to credit me back immediately. Applying checking credit card statement company never credited me back and decided arbitrarily to mail another unit against my permission. Unit came. Got returned number from company and put it in XXXX box with return number written all over outside. Company claims they did not receive back. Citibank XXXX took original dispute and messed it up badly by saying I didn't get merchandise because the communication with the XXXX is pathetic. The dispute is I sent it back not that I did not receive it. They close my file and refused to open it and refused to credit me my rightful money back. Citibank impossible to deal with communication is lacking have kept me on the phone for hours and screaming matches. I am a XXXX my pension goes into Citibank if it wasn't that I had to fix all the rigmarole I would quit Citibank if it got uploaded did it get uploaded can you see it okay one attachment view uploaded okay keeps disappearing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am making this complaint on my own accord. I have been a victim of Identity Theft since XXXX. Upon looking at an updated credit report I discovered once again that someone is and has used my likeliness to obtain credit and utilities they have also trie applying for credit using my personal information. The person established a XXXX account which is now in collections for {$540.00} they also established a XXXX account which is charged off and reflecting negatively on my personal credit. There are also inquiries in which I did not authorize. These inquiries are reporting on Transunion and XXXX. For Transunion ; XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. For XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The XXXX account is now a collection with XXXX XXXX XXXX and is reported as a collection with all three Bureaus. These accounts and inquiries are unauthorized and fraudulent. I demand these be removed from my credit profile because they do not accurately depict my credit worthiness. This has had a tremendous impact in my everyday life. I have also filed an Identity Theft complaint with the FTC, my Identity Theft report is attached
Product: Debt collection

The dept wasn't appearing for a long time, I'm on XXXX XXXX XXXX XXXX and I'm XXXX and can not pay the dept
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Inquiry : XXXX Date of Inquiry : XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. I am in desperate need of this being deleted.
Product: Credit card or prepaid card

Opened Checking account with Chase Bank XX/XX/2018. Approx 6 months later was granted a Chase credit card with credit limit of {$2200.00}. Was not advised of subsequent credit check by Chase would lower my already low credit score. That credit check lowered my score by 14 points which I was unaware of until much later as I manually checked it thru Chase 's web. As a XXXX year old man I am not confident that I will ever bring it back up as a result Chase 's inquiry. Chase has In Effect blocked my ability to get credit anywhere else and will not deposit the credit of {$100.00} back into my checking account because I cancelled the credit card. That {$100.00} was a refund from XXXX which had the credit card as main means of payment for THEM of which I satisfied from my checking account. Chase has informed me that according to them they can not credit the XXXX account. I never requested it re-credited to XXXX and in fact requested it be credited to my checking account which is the source of the {$100.00} in the first place.They said the only way they would refund it is thru a check in the U.S. Mail. I informed them that I would not prefer the U.S. Mail for a check due to obvious reasons. I reapplied for them to reinstate that credit card so i can retrieve my money and have not received the positive response.
Product: Credit reporting or other personal consumer reports

I am just asking that they remove the information I requested. 

Listed below are the Account that are being challenged XXXX  - XXXX XXXX XXXX XXXXXXXX Listed below are the Collection that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiry that are being challenged INQUIRY - XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX | Charge account | Balance XXXX {$0.00} Account # XXXX XXXX Credit Limit XXXX {$500.00} Last Reported XX/XX/2019 (! ) Account Type XXXX Revolving High Credit XXXX {$1000.00} Date Last Active XX/XX/2019 (! ) Account Type Detail Charge account Balance XXXX {$0.00} Date of Last Payment XXXX XX/XX/
Product: Mortgage

In  XXXX  I refinanced my second mortgage with  XXXX   ( {$40000.00} ). Th ey told me my interest was hig h ( 12.8 ), but if  I made every payment fo r six months,  they would give me a lower rate. I made every payment for a year, then went in to get it reduced. I was told, ' Oh, we do n't do refi 's! '. Then, someone else took my loan, in  XXXX  I think, and I was paying  XXXX . I called them, explained my situation, and nothing was done to reduce my interest.   NOW,  SPS h as my loan, and my Principal is {$42.00},  XXXX !!! I 've been paying this loan fo r ten ye ars and I am going backwards!!!!!
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Bank Account Number # XXXX Has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 ( 5 ) they are suppose to do this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general, after any information reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any informatio9n relating to a 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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I set up the credit card for auto pay. The user interface at the Web site ensured me that the card was set up for AutoPay for entire balance each month the card became due. Attempts to pay the balance were met with the Web site warning " Your account is currently set up for AutoPay ''. The card issuer did not process the AutoPay payment claiming they do n't do it the very first month it 's set up, which resulted in late fees and interest charges I specifically wanted to avoid.
Product: Credit reporting or other personal consumer reports

There were XXXX XXXX XXXX credit cards reported on my credit. I reached out to XXXX XXXX and advised they were open as a result of identity theft. An ex-boyfriend had access to my account and personal information and opened the credit cards in my name. I advised this to XXXX XXXX XXXX XXXX but they didn't remove the account, they said they were not fraud. 

Even though I was not the person who opened the accounts I still felt obligated to pay off the account because they used my information and I wanted to maintain a good relationship with XXXX XXXX XXXX XXXX. I paid all of the balances in full, I did not settle. 

I paid all of the credit cards in full but they are still being reported on my Experian report as a CO, and is the only account on my credit report that's negative. This needs to be corrected. 

This item being negatively reported to my Experian report is preventing me from getting approved for other accounts and or credit cards. I currently have a great relationship with XXXX XXXX XXXX XXXX and I want to maintain that great relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with Experian, XXXX and XXXX XXXX respectively. The attached medical collections were instantly filed by XXXX, XXXX, XXXX XXXX XXXX, a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question. 2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid. In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of XXXX XXXX XXXX XXXX XXXX for a continuous illegal collection practice ( s ) against consumers without any consideration of the law. An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations. My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of XXXX XXXX XXXX XXXX XXXX along with a permanent injunction against same from this continuous abusive practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an alert on my phone from my credit monitoring service that a major derogatory account has been detected on my Experian and XXXX XXXX reports by XXXX XXXX XXXX ( a bulk debt buyer ) on XX/XX/year>. According to the law, a debt collector must follow certain criteria before furnishing an alleged debt on a consumers consumer report or face penalties or legal action for its deliberate consumer rights violations. 

Under the 15 US Code, my rights to privacy have been violated, which is protected by law. 15 U.S. Code 6801 states as law that my personal information be protected and remain confidential by the institution involved, and If violated, there are grounds for legal action against all parties involved, including XXXX XXXX XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option According to this section of the law, XXXX XXXX XXXX has violated my consumer rights ; they did not follow any of these requirements before furnishing my private information to the CRAs, and it should not be on any of my consumer reports, including XXXX, Experian, and XXXX, and must be deleted immediately. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Cease and desist all communication from this debt collector. XXXX and Experian shall also begin an independent investigation on this account to ensure that it is 100 % accurate, complete, and fair, according to FCRA. or delete it from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit card company capital one reports one late payment for XX/XX/XXXX. 

Due to being short on hours due to covid I made that payment one day late and addressed this with customer service since for months. I sent multiple goodwill emails and anything gets denied I do understand I have a responsibility but covid hit us all hard. I made every effort to make this up and to resolve it. I never had any late payment for that account or never did I pay later afterwards in 4 years of having that card. 

I also went through divorce and had to find a place to live. the late payment made it really hard on my credit report. being from XXXX I didn't know that it would count so much in the XXXX for having that one late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act convergent Accounts CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account:XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 



CREDITOR / COLLECTOR XXXX XXXX XXXXXXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX Account:XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX : BALANCE : {$310.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 


The Credit bureaus stated that my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is accurate. This ground for removal the also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Credit card or prepaid card

I have received multiple calls from the creditor every day for the past 2 months, voicemails and text messages. I tried to have a late fee pushed back and they refused, causing me to fall even further behind on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Attn : XXXX XXXX  account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX account # XXXX  account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXXXXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as XXXX tradelines not mine XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.
Product: Mortgage

I made an EFT payment to XXXX XXXX servicing center for my XX/XX/XXXX Mortgage payment. They are a payment center for Freedom Mortgage. Freedom Mortgage says they did not get my payment and have called me every day. Every day I tell them it was sent and to please research. They say XXXX XXXX XXXX no longer services Freedom Mortgage and I am now past due. They have charged me a late fee and I do n't know what to do. they have been extremely unhelpful and continue to harass me for a payment I already made. I told them that if loan processing service no longer provides the service, they should have returned my money, but freedom refuses to help solve this mess.
Product: Prepaid card

I was given a {$300.00} gift card that says its a XXXX but the card says prepaid balance.com. The gift card was purchased at a XXXX store on XX/XX/year>. I have tried to use the card multiple times and every store says the card might be fake.
Product: Credit reporting or other personal consumer reports

I have in formation from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that does not belong to me. I checked my credit report and saw that an open account from 2018 is on my report. According to the FTC, a company can't report or publish false information to harm my credit or collect a debt that does not belong to me.