23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I was admitted to the Emergency room at a XXXX Hospital in XXXX, TN. My bills were submitted to my then health insurance company, XXXX XXXX. All my bills were paid in full as I had already met my deductible. I also received a letter from XXXX XXXX stating the doctor, XXXX XXXX, has billed way more than normal, and I should NOT pay anything outside of what was negotiated with insurance. XXXX XXXX also outsourced this claim amount to a company called XXXX to acknowledge the amount billed was far more than normal for my standard treatment at the ER. I was seen, treated, and released the same day. The doctor, through XXXX XXXX XXXX, XXXX, sent me one bill with the amount insurance didnt cover. I again called my insurance company to see about this. I was instructed again that this matter and bill was settled and do not pay. Then XXXX XXXX told me they would contact the doctor and XXXX XXXX about this matter. Then came several calls and letters that this bill had been sent to XXXX XXXX XXXX collections agency. The amount was owed was {$1200.00}. I once again called my insurance company and was instructed to fax copies of the bill over to them and that this would solve the matter. I faxed this XX/XX/XXXX. Afterwards, I received a letter dated XX/XX/XXXX that XXXX XXXX XXXX XXXX acknowledged receipt of my dispute ( per my insurance company ), and that they ( XXXX  ) were not credit reporting this account. They also stated they were no longer going to put forth collection efforts due to not enough sufficient information for the account, and returned the account to the original Current Creditor ( listed as XXXX XXXXXXXX, XXXX ). Today, XX/XX/XXXX, I have received a notice that my credit has gone down several points due to an open unpaid debt in the amount of {$1200.00} has been turned over to the XXXX XXXX XXXX XXXXXXXX out of XXXX, TX as of XX/XX/XXXX. This is the first I have heard of this. So, now it seems I am being sued for an amount that I do not owe and have tried repeatedly to resolve. This doctor XXXX through XXXX has seemingly billed my insurance company as of then ( XXXX XXXX ) twice and has received payment. However, he will not let this matter rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from USAA SVG BK that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters along with my Identity Theft Report to the three credit bureaus on XXXX XXXX and XX/XX/2020 asking them to verify or remove the negative report on my credit report that USAA SVG BK were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/XXXX  to experian in regards to inaccurate accounts with XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX i have no business with these companies. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). Experian is conspiring with these companies to defraud me .If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I did an investigation on my credit report which caused me serve XXXX because I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I checked the XXXX data breach website and seen that my personal information was impacted by the breach I have attached a screenshot of that confirmation document. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit card

Received an offer from Chase Bank for a Southwest Air Lines Rapid Rewards Credit Card. Offer included a bonus of XXXX points after spending {$1000.00} in charges in the first 3 months. I spend the required amount plus some in the first 2 months, then waited the required 1 or 2 statement cycles for my XXXX points to show up, when they did not appear I contacted Chase Bank. They told me I did not apply for a XXXX point card but one that gave XXXX points and that is was to late for them to do anything, had I contacted them 3 months ago when they first put in XXXX points they might have been able to do something and that it would be unfair to their other customers to fix their problem. I informed them I did not, would not waste my time applying for a card with only XXXX points. I told them this 4 times in 4 different secure communications. They have refused to do anything about this. I did not apply for anything but the card with XXXX points. I will accept nothing less than the XXXX points in the offer they made or the refunding of my credit card fee they charged. This bait and switch practice should be illegal and probably is, Chase needs to make this right!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has not updated my XXXX credit score since XX/XX/2023. 

I have had many accounts deleted or paid in full, as well as credit card balances paid down and need my score to update so I know where my credit health stands as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX XXXX. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over XXXX points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Product: Credit card

On XX/XX/XXXX at XXXX XXXX  Eastern time a payment was initiated via XXXX to Concura Credit an effort to make payment to my milestone MasterCard account ending in XXXX. Please keep in mind that this is the second time a XXXX payment has been initiated in the course of 30 days with XXXX to Concora credit from myself. In each instant, the payment was done XXXX XXXX. The most recent being reference ID number XXXX for the amount of {$500.00}. There was a {$8.00} fee also assessed by XXXX for this service. Upon repeatedly, checking my account, there was no available credit the payment had not been applied. On XX/XX/year> icon contacted Concora Credit with regard to why this is continuously recurring that every time I make my payment its not available when promise and I pay a service fee for that. Concora Credit blamed it on XXXX and XXXX is blaming it on Concora Credit. 
Quite frankly, I dont care whose fault it is. There is a disconnect somewhere between the two, which is none of my problems. I did my part by making my payment and paying a fee to do so I want my payment applied. Am I available? Credit applied? same day as there Advertisement says. This had occurred has occurred twice now and I am a new customer to Concord Credit Ive only ever made two payments and both times theres been some kind of problem every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX & XXXX Original Creditor : XXXX XXXX Account No. XXXX Amount {$150.00} this medical bill is still reporting on my EQUIFAX report even after the new law was places XX/XX/2022 that NO MEDICAL BILL UNDER {$500.00} WILL BE REPORTED. I've dispute this with Equifax numerous of times and it still remains.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XX/XX/year> and found I had XXXX  inquires from the same company XXXX XXXX XXXX XXXX there is only supposed to be one inquiry not three I applied for a credit card once that 3 times. Please remove the XXXX hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received mail from TransUnion regarding a previous dispute. They did not delete accounts that contained OBVIOUS INACCURACIES AND VIOLATIONS. Still reporting are unknown accounts, accounts reporting concurrently as " open and " closed '', re-aged accounts, accounts with conflicting dates. For example, please tell me how an account was open on both the XXXX of a month AND the XXXX of a month??? How is this an example of a " verified '' " accurate reporting '' of an account??? I've also added several XXXX accounts that I just noticed are reporting negatively for 2012. I was always on top of deadlines and called this company all the time often WAY ahead of time, even when they were still XXXX XXXX. I always filed paperwork on time if needed. Also, XXXX has never mentioned an issue with my account and has literally made up a story about supposed lateness in 2012 and supposed calls they made to ME. In addition -- and most importantly -- XXXX  has not ever provided me bank statement / transaction proof of supposed late payments ( AS THE LAW REQUIRES ) -- BECAUSE IT NEVER HAPPENED! I was never late! See attachment, which also includes my  identifying information.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 @ XXXX XXXX $ taken out of my account via XXXX Citibank was contacted right away to file a claim about this unauthorized transactions. 
After their investigation, which I was not able to obtain, it was decided that transaction was legitimate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX  XXXX, XXXX is now being reported again
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I submitted a dispute by mail via certified mail on XX/XX/XXXX to XXXX and Equifax for verification of a student loan account that appears to have inaccurate information on my credit reports. I asked XXXX and Equifax to do a reasonable investigation in to this account to ensure maximum possible accuracy according to 15 USC 1681 E ( b ). I received my dispute results from both Equifax and XXXX and the information still is inaccurate. They both have failed to put who the account was transferred to which is XXXX. XXXX is reporting the account wrong because my payment is current and on time in XXXX of XXXX but then in XXXX of XXXX it shows that I am 90 days late on the account. There is no 60 days late or 30 days late so it shows that the account was current in XXXX then in XXXX its 90 days late that is impossible. This is wrong and inaccurate and XXXX fails to do a reasonable investigation which is a violation of my rights. Equifax is reporting the account wrong because they say my date of first delinquency was in XXXX of XXXX but I have proof that I made on time payments of XXXX of XXXX and Equifax did not provide any account history to show how much the account was delinquent in XXXX of XXXX it just starts from XXXX of XXXX ( 90 days late ) to XXXX of XXXX ( 120 days late ). There is no 30 day or 60 day late reporting and this is wrong. Equifax also is reporting a incorrect account number XXXX which is not even the correct account number for this student loan account I have evidence to prove that this account number is incorrect. This is a direct violation of my rights under 15USC 1681 E ( b )
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below is the account that I am disputing : 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

I was referred to Cornerstone Mortgage Group for a refinance. I was told XXXX XXXX NMLS # XXXX could handle my file and would help me get into a lower rate mortgage. He found a mortgage product that fit my needs and so decided to proceed. I clearly instructed him to order the valuation report only after all other underwriting items were 'green lighted ' ... .I am a XXXX   XXXX  XXXX  and have been doing this for years. I also am a XXXX. 

Since my property had less than 40 % leverage ( 60 % equity ) I knew even with a conservative valuation this item would not hinder the refinance process. Well Mr. XXXX took it upon himself to order a valuation report before all other items were 'cleared ' against my instructions and then he and his underwriting team could not deliver on the refinancing siting other issues. Why did he spend funds on a valuation report that was not needed as the mortgage could not be issued is truly a lack of professionalism and demonstrates the lack of experience in dealing with such matters ( which is fine as we all need to start learning somewhere - but he should have had the appropriate coaching and guidance which clearly he did not ). I do not recommend Cornerstone Mortgage Group ( NMLS   XXXX ) for your refinancing needs as they have a difficult time listening to basic instructions and not delivering as promised.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ), concerning the removal of adverse information resulting from my status as a XXXX XXXX  survivor. Despite my submission of valid documentation and multiple attempts to have this harmful information removed from my credit report, Equifax has refused to comply with its clear legal obligation. 

As stipulated by the FCRA 605 ( c ) ( 1 ), no consumer reporting agency may furnish any adverse information regarding a consumer if it is the result of XXXX XXXX or XXXX XXXX. I have met every legal requirement necessary under this statute, including providing documentation as required by law under 605 ( c ) ( 2 ). The law is unambiguous : once a consumer provides such documentation, the credit reporting agency must remove the adverse information. This has been affirmed in Doe v. Equifax Information Services, LLC, 2020 U.S. Dist. XXXX XXXX, which emphasizes that non-compliance with 605 ( c ) constitutes a direct violation of the FCRA and subjects the reporting agency to legal consequences for damages under 1681n and 1681o of the FCRA for willful or negligent non-compliance.

Equifax refusal to act is not only a violation of federal law but also a blatant disregard of my rights as a survivor. This continued reporting of inaccurate and harmful information has caused substantial damage to my creditworthiness, in clear violation of the FCRA and its protections for survivors of XXXX XXXX. As a survivor, I should not continue to suffer the consequences of adverse information directly linked to the trafficking I endured. 

I am demanding immediate corrective action to remove this adverse information from my credit report and to ensure that Equifax complies fully with the FCRA 605 ( c ). Failure to do so will result in further legal action, as Equifax ongoing non-compliance constitutes willful negligence and opens the door for legal remedies, including statutory damages, actual damages, and attorney 's fees under the FCRA. 

Please provide confirmation of action and resolution on this matter promptly, as I expect this serious violation to be addressed without delay.
Product: Credit reporting or other personal consumer reports

I recently leased a vehicle with XXXX XXXX on XX/XX/year> and was curious to see if I had any positive equity. To assist me in the process, I reached out to the company XXXX, initially contacting them via phone and messages. Over the course of several days, we continued communication, and at some point, I noticed an inquiry from Ally Financial. I immediately contacted XXXX to confirm whether the inquiry had come from them and inquired why I had not been notified about this or provided with any details regarding how the process works. Upon realizing that the inquiry was made without my informed consent, I decided to back out of their services entirely and explicitly requested that they remove the inquiry. However, one of their representatives informed me that they could not do anything about it. 

I want to emphasize that I had no knowledge of, nor did I approve, this inquiry, and I request that it be removed. Additionally, I had opted out of the service before proceeding with any further steps involving my lease. I never entered into a formal agreement with Ally Financial yet leaseend appears to have used my personal information to acquire a loan or establish some connection with Ally Financial without my consent. 

Furthermore, I am deeply frustrated that my initial complaint submitted on XX/XX/year> was marked as " closed '' based on a false claim that I did not pick up the phone. This is untrue. I have been trying to contact Ally, specifically my agent XXXX, who continually sent me to voicemail. I even provided my social security number and birthdate in my initial CFPB complaint, yet it was falsely stated that I never submitted this information. This is yet another misleading statement. 

Please be advised that if this issue is not resolved immediately, I will be seeking legal action. You will be hearing from my attorneys once this complaint is formally closed. I demand that this inquiry be removed and that all of my concerns be addressed.
Product: Debt collection

Credit Systems is attempting to collect a debt from me, but they have failed to comply with several key consumer protection laws : Failure to Provide Validation Information : Credit Systems has not provided me with a written validation notice as required by the FDCPA, specifically, 12 CFR 1006.34 ( b ) ( 5 ). This notice should include the amount of the debt, the name of the original creditor, and the date of default. Without this information, I am unable to verify the debt and have my right to dispute its validity. 
Denial of Dispute Opportunity : I have not been given the opportunity to dispute the debt in writing within 30 days of receiving the initial communication from Credit Systems, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This further impedes my ability to challenge the debt 's accuracy or legitimacy. 
False, Misleading, and Deceptive Practices : Credit Systems has not provided any documentation or explanation supporting the debt 's validity. Their actions appear to be based on false, misleading, and deceptive methods to pressure me into payment. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Unlawful Reporting to Credit Bureaus : Credit Systems has placed a collection account on my credit report without providing the required disclosures mandated by law and before exhausting all legal avenues to collect the debt, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

If you believe that I have been notified of this, then please provide proof of my signature indicating receipt of documents.