23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX turned my account over to a collection agency without prior notification or warning. A XXXX was performed in XXXX 2015. After insurance paid there portion, I received my first statement in XXXX 2015 where I called and asked to make {$50.00} payments toward the {$190.00} balance in which they agreed. Very shortly thereafter I was injured which resulted in XXXX for which I 'm still recovering. Having not received a statement for payment due, I had forgotten about this provider due to my incapacitation. In XXXX, I began receiving threatening phone calls and letters from a collection agency regarding an unpaid medical account. I responded to the collection agency asking for a statement describing the debt as they provided none prior to that time. On XXXX XXXX, 2015, I received a response for the collection agency accompanied by a statement from XXXX XXXX. From that point, I remembered the debt I owed but was concerned why they would turn a partial unpaid balance over to a collection agency without any prior notification or warning to me in advance. On XXXX XXXX, 2015, I telephoned XXXX XXXX and spoke with XXXX in the billing department. I asked why they would take such damaging action without me having notified me in advance of doing so. XXXX was rude and condescending upon speaking to me stating that I knew what I owed and should have paid the bill in XXXX when I made the partial payment. Because of her rude and sarcastic manner, I asked to speak with the Office Manager. The Office Manager advised both my wife and I that as far as she knew, there had been no payment plan and they made attempts to contact me before turning over to collection. Furthermore, because the account had already been handed to collections, there was nothing she could do as the damage was already done. 
Note : XXXX XXXX said they made numerous attempts to contact me by mail and phone, but no communications were received by me. Additionally, the first attempt to contact me by the collection company was successful. This shows that XXXX XXXX made no attempt to contact me as I would have received the mail and voicemail is always available on the phone number I provided to them. As per the attitude of XXXX, I knew about the debt in XXXX and should have paid it in full then. 
I do n't believe it 's fair to consumers to have their credit damaged by careless & lackadaisical persons empowered by businesses.
Product: Credit card

Last year my friend and I found out that Discover offered a matching bonus ( Double cash back ) program for opening a new DISCOVER IT card. Previously I had DISCOVER MORE card and I called customer service to swap my MORE card to IT card, and I was promised that I was qualified to earn the double cash back after my first XXXX bill cycle payments. Now after one year, I did n't receive my matching bonus but my friend did ( my friend also swap from MORE card to IT card ). Therefore, I called discover customer service to ask about this. The supervisor said that they do n't have any evidence shows that I enrolled in this program and they do n't keep the phone call record from last year so that they can not do any thing about it. However, I believe this is not a enrollment required program at that time and I called customer service to ensure I can receive the rewards since I swapped from another card to new card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$620.00} XXXX Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$590.00} XXXX Status : Derogatory ( Charge-off ) XXXX. XXXX XXXXXXXX XXXX Account XXXX. : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$660.00} XXXX  Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3000.00} XXXX  Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX XXXX  Account No. : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$460.00} XXXX Status : Derogatory ( Charge-off ) Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.
Product: Money transfer, virtual currency, or money service

My mother sent me money to Google Pay to help me pay my rent. Google pay asked me to verify and then told me they could not verify my account. After that they sent me an email saying they can not let me get the money off and they are giving it to authorities. Its {$900.00} that they are not giving me. I am me and I have tried to send them anything they needed and they will not give me the money my mother sent me.
Product: Debt collection

Plaintiff filed a Complaint for Money against Defendant on or about XX/XX/XXXX. The summons was served to an XXXX XXXX individual, XXXX XXXX on XX/XX/XXXX. See XXXX for XXXX XXXX. XXXX. Although, XXXX XXXX signed the summons on XX/XX/XXXX, I, XXXX XXXX never received notice of the documents filed at the XXXX XXXX XXXX. XX/XX/XXXX, Plaintiff filed its Motion for Default Judgment, and ultimately, the Motion was granted by the Court on or about XX/XX/XXXX. In recent, Plaintiff filed a Motion to Revive a Dormant Judgment and after being served on XXXX XXXX, I filed an answer with the court. See XXXX for XXXX XXXX. XXXX. A Revivor Hearing was held XX/XX/XXXX, and magistrate, XXXX XXXX, granted the Revivor Motion without reviewing any documentation. XX/XX/XXXX, I, XXXX XXXX filed a Civil Motion to Vacate and Dismiss Judgment and Plaintiff, Portfolio Recovery Associates has failed to respond to the court within the requested timeframe. 
The summons filed reflects incorrect information and I have filed an Affidavit in which I never was put on notice regarding the filing of this complaint. This complaint pertains to an account that was entered into a payment plan with Credit Advocates Law firm in XXXX and specified account/ debt has been satisfied. After 10 years, past the statute of limitations, Portfolio Recovery Associates LLC wants to pursue a Default Judgment that was served upon the incorrect individual. I have lived in the same home, same employment and have had the same bank account information yet after so many years, this " debt '' is not even reflected on my credit report. 
There is an open dispute with Portfolio Recovery Associates LLC and I have also requested documents from them on XX/XX/XXXX, and XX/XX/XXXX and as of today 's date, I have yet to receive any information. XX/XX/XXXX, I filed a Motion with the court to Vacate and Dismiss and Portfolio Recovery Associates LLC was to respond to said motion by XX/XX/XXXX and they have failed to respond to the court as well.
Product: Credit reporting or other personal consumer reports

I have sent 2 certified notarized letters to Experian expressing they need to fix my information and they have still not done so. This is in direct violation fo 15 Usc 1681 and I am demanding this fix this immediately!
Product: Credit reporting or other personal consumer reports

I have been reaching out to XXXX XXXX for the past 30 days to obtain a charge off letter for my charged off account or a 1099c. Company stated that they can not provide a charge off letter. Ive made im numerous request for a 1099c but still have not received anything. Every time I call to follow up I am told it will be emailed in 48hrs but I still have not received anything after 30 days. Customer service is not sure why and can not allow me to speak to the department that sends out the form they can onky keep creating request. Its been request 3-4 times. Still nothing. This account was charged off years ago. 

I have a recorded phone called ( agreed by both parties ) confirming account charged off. Can send via email if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continuously proceeded to report erroneous information in my credit file even after knowing and accepting it should be deleted. I have called to file a dispute and was transferred and placed on hold for hours to eventually be transferred to XXXX Equifax and then hung up on. they refuse to even take calls or correct their errors
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized inquiry made by TransUnion. I did not provide consent for this inquiry nor did I authorize any transactions with TransUnion. This inquiry appears to be a direct violation of my rights under various federal statutes, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold TransUnion accountable. 
I have contacted TransUnion directly to resolve this issue but have yet to receive any satisfactory response or resolution. I also requested documentation and proof of authorization for this inquiry, but none was provided. 

Date of Unauthorized Inquiry : XX/XX/year> XXXX balance amount : {$2200.00} Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions, including credit reporting agencies like TransUnion, are obligated to safeguard consumers ' personal data. The unauthorized inquiry made on my credit report suggests a failure to protect my information in accordance with this provision. 

Violation of 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purposes for Credit Reports ) : According to 15 U.S.C. 1681b, a credit reporting agency can only access and disclose consumer reports for specific purposes, such as with consumer consent or for transactions the consumer has authorized. As I did not authorize this inquiry, I believe TransUnion violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Violation of 18 U.S.C. 1028A ( Identity Theft and Fraud ) : 18 U.S.C. 1028A criminalizes the use of another persons identity for fraudulent purposes. If this unauthorized inquiry was a result of identity theft, I am concerned that my personal information has been used without my consent, which would be a direct violation of this statute.
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason TransUnion feels Im not following all the steps. 
XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with TransUnion for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXXXXXX under 15 U.S.C. 1692g Account XXXX : XXXX Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. Please be advised that I do not recognize the account number referenced, nor do I recognize the account status, high balance, or any reported late payments associated with this account. As such, I am disputing the validity of this debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting that you provide the following information to validate the debt : 1. The amount of the debt, including a detailed breakdown of the principal balance, any fees, interest, and other charges that have been added.

2. A copy of the original signed agreement or contract that authorizes the debt and establishes the amount owed.

3. A statement confirming that you are authorized to collect this debt on behalf of the creditor.

4. Also, I am demanding the correct Statute of Limitation date for this alleged account.

5. " Date Opened '' and " Last Payment '' are not provided, which can make it difficult to understand the account history.

6. Terms and Limits : Missing information on terms, payment amounts, and credit limits may indicate incomplete reporting. 
Best Regards XXXX XXXX XXXX
Product: Checking or savings account

Citi solicited me by snail mail to open a " XXXX '' XXXX  Checking Account and fund it within 20 days. Before the 20 day deadline Citi closed my new checking account without my permission and without first contacting me. XX/XX/22 spoke to XXXX other Citi reps in XXXX XXXX and both hung up on me explaining " we need to end this call ''. XX/XX/22 called Citi again and spoke to a supervisor in New Accounts Servicing ( named XXXX with ID # XXXX ). He promised NOT to hang up on me, verified me, and then hung up on me. XX/XX/22 received a letter dated XX/XX/22 from Citi Fraud Dept saying they've closed my new checking account and I can contact them at the same number on the back of my ATM card-the very same number where where they repeatedly hung up on me!! Outrageous behavior. I'm a current long-time Citi credit card holder.
Product: Credit card

I have a CapitalOne credit card in collections with CapitalOne and I received a XXXX for the charged off amount. CapitalOne is requiring me to pay off the pass due, charged off and XXXX amount of {$7000.00} so the current balance same the same but the past due will be XXXX. This tactic of showing a past due amount along with the current balance is used to impact my credit card utilization and lower my FICO score preventing me from receiving a new home loan.
Product: Vehicle loan or lease

I cancelled the extended warranty XX/XX/2021. As of today XX/XX/2021, my XXXX loan account doesn't show {$1800.00} reduction in the loan balance. I have called and emailed Chase Bank and XXXX XXXX to get this resolved. I just keep getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Budget Control Services continues to report a debt discharged in bankruptcy as open. When I called the company regarding this recently they said they knew it was discharged but that they would continue to report the debt on my credit report as a {$0.00} open delinquency. When I told them that this in violation of Federal bankruptcy law and the FCRA they said they knew and didnt care. I have so many communications from them where they admit to violating the laws the penalties are going be numerous. XXXX is at fault because they continue to let this debtor break the law. Debts discharged in bankruptcy should not be appear as active delinquencies with a current negative pay status on a credit report. Customer services behavior and refusal to remedy the issue even when given supporting evidence has been discriminatory. My husband who is XXXX also filed bankruptcy with me and all items were fixed immediately.
Product: Debt collection

On XX/XX/XXXX, I had XXXX XXXX performed by XXXX XXXX XXXX XXXX XXXX XXXX I NEVER received a billing statement, phone call or voicemail regarding a bill that I owed. On XX/XX/XXXX I received 4 billing statements from Patient Accounts Bureau which is a collection agency for the XXXX XXXX XXXX XXXX XXXX XXXX I called my insurance company XXXX XXXX XXXX XXXX to ask if they could reach out to XXXX XXXX of XXXX XXXX XXXX XXXX ) XXXX on the three way recorded line. My health insurance representative, XXXX, ( ref # XXXX ) made contact with XXXX XXXX supervisor ) with myself on the phone. XXXX advised that a billing statement was mailed to me on XX/XX/XXXX and XX/XX/XXXX. She also advised that phone calls were made to me on XX/XX/XXXX, and XXXX. I advised XXXX that I NEVER recieved a billing statement or voicemail regarding the medical bill. I also advised that I had just had my services XX/XX/XXXX and questioned why was the bill sent out 20 days later and phone calls to collect payment without giving the insurance ample time to pay or the bill to settle. XXXX said she didnt have an answer to my question. XXXX advised that my account was still in their possession. I asked XXXX why was a collection agency ringing my phone for a debt that I do not owe them and they still have my account. I also asked how did they expect me to know I owed them money if they sent out only 2 bills ( that i never got ) and the last one was in XX/XX/XXXX and it was XX/XX/XXXX? I was never afforded the opportunity to pay or make arrangements to XXXX XXXX XXXX XXXX XXXX before being sent to collections. This impacts my credit. I read the reviews for XXXX XXXX and there were more than dozen of others with the same claim that I was experiencing. After XXXX advised that they still had my account, I thought Great, but I need to set up a payment agreement. She advised that I had to pay the whole amount by XX/XX/XXXX, or the account would be with Patient Accounts. I also submitted a complaint to the XXXX XXXX XXXX but no response. Again, I was never allowed due process by XXXX XXXX.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for {$5100.00}.
Product: Debt collection

I received a few calls from XXXX XXXX XXXX regarding a XXXX bill that was outstanding for {$490.00}. After contacting XXXX via chat, they confirmed that my account was current, and apparently, I had another account open, and I never received a statement by email or mail, and it was overdue. The XXXX team committed to resolving the problem since it was clearly a mistake. My first contact was on XXXX. Then I did follow up on XXXX, XXXX, and XX/XX/XXXX. I am sending prints of my chats to confirm the discussion. Despite the confirmation in writing that the supposed overdue balance was resolved, my case was sent to collection and therefore to my Credit report, affecting drastically my credit score. Eventually, when I called the support service, I was told that was an account open online that the salesperson at the XXXX store who sold my current service told me he was closing- was actually never closer. I never received by email or mail one single statement for that account and XXXX decided to send it to collection without contacting me either one time.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}.