23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. 
The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.
Product: Credit reporting or other personal consumer reports

Looked at my report back on XX/XX/2024, I 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 a maximum possible accuracy of the information concerning the individual about whom the report relates. Account XXXX is not complete and accurate. 
Also, according to 15USC 168-2, a person shall not furnish any information relating to a consumer reporting agency if the person. Knows or has reasonable cause to believe that the information is inaccurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number USPS XXXX XXXX XXXX XXXX XXXX XXXX. 
In accordance, with 15 USV 1681 I5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 furnished of that information. That the information has been modified or deleted from the file of the consumer.

Also, according to this law they are suppose to provide me a description of the investigation according to 15 USC 168i ( 7 ) : ( 7 ) Description of reinvestigation procedure.

A consumer reporting agency shall not provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

BUT THEY DID NOT DO THAT AS WELL EITHER.

In addition, according to16USC 1681-2 they are suppose to 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 being reported is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit report and seen some inaccurate information. Or my information was illegally sold. I am not liable for this debt with XXXX XXXX XXXX, orignal creditor is XXXX I requested an original copy of contract with my signature around 30 days ago. They have not provided me with the contract
Product: Debt collection

Myself and the staff at my job have ask them to stop calling the work phone after they have call 5-10x in one day\ in less than 10 seconds apart. 
You ask who they are and they get really rude and aggressive. 
After explaining to XXXX at Web-cash that we ca n't accept any personal calls at work he became even more aggressive. 
I 've explained that i ca n't talk about person business at work. and I 'm not even sure if I 've ever had a loan with them.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my Experian consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Product: Mortgage

I have put in a request for a loan modification from Citibank. My original relationship manager always sent status updates on a weekly basis and if I needed to provide additional documents I was notified in writing. I was assigned a new relationship manager ( XXXX XXXX ) and I have tried repeatedly to get information on my account but to no avail When I call the bank to discuss my request I am told I have to speak only to XXXX. Phone meetings have been set up where she is supposed to call me but she never calls. Consequently it has been very difficult to find out the status of my application for a loan modification
Product: Credit reporting or other personal consumer reports

Please Delete this inquiry from XXXX XXXX XXXX XXXX  was done fraudulently and unauthorized without consent. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Trans Union regarding an error on my bureau. ( Account XXXX XXXX XXXX # XXXX ) regarding errors, I noticed with the payment rating, balance. 

***Transunion was to update my report after investigating : Transunion duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XX/XX/XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXX-VIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) TRANS UNION REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from Trans Union Trans Union Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher Trans union to conduct a reasonable investigation. 

XXXX violated 15 USC 1681s-2b XXXX XXXX was not listed or updated on my bureau with the dispute FCRA states Trans union is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, Trans union has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it.

As a result of Trans union FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment.

I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent Trans Union from violating others such as myself under FCRA.

I reserve the right to to take legal action to enforce my legal rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

o whom it may concern : The credit bureaus are once again violating my FCRA rights specifically 15 USC 1681 ( 5 ). According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I previously asked XXXX, XXXX, and Transunion to verify an account being reported on my credit report as 30 days late, and all 3 bureaus quickly responded that the account was verified as accurate, but that account was never verified nor accurate. I even doubt any proper investigation was done at all. The reason why I am saying that is the account is XXXX  or XXXX, but the account number is XXXX on Transunion XXXX on XXXX XXXX and on XXXX Account # : XXXX XXXX XXXX Are not correct completed numbers. Xs arent any acknowledged numbers used by any known banking institutes to establish any banking accounts nor routing numbers, there for its not correctly verified to be accurate, and According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Look at the last dates updated on the reports, look at the balances, payments, etc all inconsistent, how is this verified as accurate? Come on now they keep resending the same automated results back instead of actually properly doing investigations and actually doing the work they are supposed to be doing. The time wasting is not appreciated, I am very saddened to keep having to play along with the games these bureaus are playing. This have been emotionally, and mentally draining. 

Lastly I even feel like my credit score is tempered with. Different sites give me different credit scores which really dont make sense. Everything can not be verified as accurate as is. Someone must be held accountable, something seriously must be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX , AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX XXXXXXXX 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
Product: Mortgage

During the time of closing, we provided our mortgage company with documents for our home owners policy insurance. This was uploaded via a web portal provided by the loan company. However, upon closing, the mortgage company decided, without our consent, to issue a home owners policy through their preferred insurance company who is affiliated with the loan mortgage company Loan Depot. The insurance company is XXXX XXXX. However, we had provided documents for home owners policy issued through XXXX XXXX. At this time, we have 2 home policies, 1 that was put forth without our consent. The XXXX that we did not consent to is the one loan depot decided to place in our escrow account and pay out. The insurance company, XXXX issued a policy as well ( per our request ) and has an outstanding balance. Loan Depot decided to go with their preferred insurance agency as they have a contract and incentive tied with XXXX XXXX without our consent and without us ever even speaking with a XXXX XXXX representative through phone, email, or text message. Loan Depot initially stated they would look into the matter but dragged their feet. It wasn't until we stated we were going to file a complaint that a regional manager reached out. Unfortunately, loan depot engaged in unethical practices. In our closing documents, XXXX is stated as our insurance provided. Yet, at closing and in our escrow account, they issued XXXX XXXX as the insurance provider.
Product: Credit card

Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2013. Have contacted Consumer Reporting Agencies following instructions on their websites, twice via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. The company also sold the account to a collection agency AFTER the bankruptcy. This company and/or its representatives continued contacting me via personal and work phone long after being informed of bankruptcy. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the discharge date.
Product: Credit card or prepaid card

Around the start of XXXX XXXX Applied for an american Express gold card as a natural person and was denied. I called numerous times to figure out why, and the ONLY reason i got ( also received in multiple letters ) was that there was no credit score and no undisputed claims exist on my report. I was told to fax information regarding a reconsideration nd was still denied. 
American Express has violated my rights to credit as a natural person. and failed yo uphold the Truth in Lending. They fiegned being a " creditor '' but can not loan credit or money persuant to 12 USC 83.

Also violating 31 CFR 306.11 ( a ) ( 1 ) creating commercial paper using my social security number ( open ended credit plan ) which can also be construed as identity theft because i recieved no benefit from the use of my social as required by law. There, s a hard inquiry on my reports as well to support the use of my SSN.

Congress has declared that it is a grave thing for proper information regarding credit be given to consumers to restore the faith in the economy. American Express has violated my right to credit as a consumer and natural person. American express has damaged my reputation and caused harm to my name by posting on my consumer credit file which bears the worthiness of my name. American express also violated the free credit reporting act by using my credit report in whole or in part of their adverse action and failed to provide a numerical reference. 
They lied in their responses saying they have rights to view my consumer reports. How is this legal without a subpeona or permission from me? 

I was violated and American Express has been no help. They tell me the laws don't apply. They said there is nothing they could do after I sent them the applicable laws. 

My reputation and RIGHT to credit are being trampled on.
Product: Credit reporting or other personal consumer reports

Its very unsettling to see unauthorized inquiries on my credit report this morning, and Im completely at a loss as to why theyre there. Upon my usual check of the credit report, I was shocked to see discrepancies that seemed to appear from nowhere. Despite refreshing my browser to see if it was a mistake, the unauthorized inquiries remained. Im requesting that the documents Ive provided be carefully reviewed so that I dont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been disputing accounts on my consumer credit report furnished by Equifax. I have informed Equifax that I am not aware of the opening of XXXX XXXX account on my report. I have also informed Equifax that my information was stolen in the XXXX  data breach which what the same year this account was opened. Now after hearing the news of Equifax violating others consumers just like me I have become gravely concerned about the ability of Equifax to continue to report data accurately and completely. I have sent numerous disputes to Equifax over erroneous accounts on my report. When Equifax responds through mail to my disputed accounts they simply send reports stating what has been verified with no description of the procedures they used to verify the account. When I call into the call center I am presented with representatives that do not know the laws of the FCRA. I am left to explain my dispute orally to an agent of Equifax that clearly places Equifax company policy over federal law. Pursuant to 15 USC 1681i ( 7 ) A consumer reporting agency SHALL provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. OnXX/XX/XXXX I mailed into Equifax the attached file/letter requesting my rights pursuant 15 USC 1681i ( 7 ) The 15 days required by law have come and gone. In turn I send out another request for the description of reinvestigation procedures which was also ignored by Equifax. I was then forced to file an identity theft report on the accounts reported by Equifax that I did not initiate. On XX/XX/XXXXI filed an Identity theft report FTC Report Number XXXX claiming the account XXXX XXXX to be the result of identity theft. Bear in mind that pursuant to 15 USC 1681c-2 ( a ) Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- I have sent in all proper identification through my CFPB compliant ( XXXX ), I have mailed in those same documents through certified mail return address and I have contacted Equifax orally through phone. I spoke to a representative of Equifax named XXXX # XXXX today XX/XX/XXXX and was told that they never received my identity theft reports and they verify accounts based on information matching, they do not actually do a investigation or a reinvestigation, they just check to see if the information matches mines. This is a complete violation and mocking of the FCRA. So Equifax willfully admits violating the rights of consumers. They way my disputes have been handled is clear and plain to see. Why have my requests been ignored? This is basically just another case of Equifaxs disregard for consumers,
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA Keeps posting information that was Discharged through Bankruptcy XXXX  XXXX.
Product: Credit card or prepaid card

I do business with XXXX XXXX and CAPITALONE BANK. I am a very loyal and great customer of both for over 10 years. 

CapitalOne, like the other Banks, continues to charge excessive monthly fees, during and after COVID. Further, they continue to ignore the consumers financial hardship post COVID and show sympathy for the consumers who are still struggling. 

I am currently on XXXX and recuperating from 2 COVID severe infections. In addition my financial services employer has stopped paying me. 

I took a hardship withdrawal from my pension to pay credit card debt this week, including my XXXX XXXX credit card. 

I called Capital One twice this week like I did with my other credit card issuers. I asked them to help me and consider to reimburse me for {$400.00} in late fees / {$40.00} a month for being late / unable to make payments on time due to hospitalizations and financial hardship. I was late for couple of days to few days at the most. Never past weeks or a month. 

The overseas located service center of CapitalOne asked me when I had COVID last year. I answered with specific dates and explained to them my current severe financial hardship. They routed their call to their supervisor who waived another {$40.00}, total of {$80.00} for this year. 

I explained to them that The Consumer Financial Protection Bureau prevents banks from charging such high fees, especially during COVID and post COVID pandemic since we have all suffered and continue to. 
I also stated that you ask that retailers and banks stay sympathetic to the consumers. They were polite. However, they dismissed my request and did not understand my constructive comments about your Agency. 

I ask please for your help so that CapitalOne considers to reimburse me for another {$280.00} for late fees for last year. I will not go back to the previous years. Here is the list : XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XXXX XXXX XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} XX/XX/XXXX PAST DUE {$40.00} Whether they do or dont, could you please work with all of us to put a stop to this fee raping consumers behavior? The Banks from the latest annual filing for XXXX, are up in cash management 110 % to over 200 % in profits due to the high interest rates and the balances / client or consumer deposits. Aside from having booked millions to billions in profits in this area, they continue to layoff thousands and both banks and broker dealers slashing salaries and bringing to zero in some cases any additional variable pay. 

Please step in to protect us all. This behavior is wrong. We have lost jobs and continue to. 

Thank you