23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a medical debt that I have no knowledge of being sold to different collection companies. It claims that it is from an emergency room visit billed by XXXX  XXXX, which was then sold to XXXX XXXX XXXX, ( XXXX ) now this company Phoenix financial services llc, I have never heard of is attempting to collect this debt. I have contacted the original company they claim the debt is from and they told me they have no record of this. I have also had health insurance for the last 7 years and have paid my co pays Accordingly. XXXX never told me what this bill was for, and now this new company shows up on my credit report that I have never heard of. I dont know what this is for, I have never gotten a proper bill from anyone telling me what the services is supposedly received were. Not only that, but the debt is older than 5 years and they are falsely claiming this is a recent debt. I have not sought out emergency medical care since 2014. This is all completely false claims and there has yet to be proof. These companies are damaging my credit and if need be I will file a police report. I have disputed XXXX and filed complaints with consumer financial protection bureau, and They sold to Phoenix financial.
Product: Vehicle loan or lease

My car was deemed a total loss after I was hit by a driver who ran a stop light. The driver of the other vehicle was ticketed and his insurance company took full responsibility. However, my insurance company, XXXX, took control of the issue and, to date, has paid XXXX {$38000.00}. There are 2 more payments pending, both of which XXXX is aware, which covers the remaining balance of {$6300.00}. 

XXXX is threatening to negatively-report me to the major credit bureaus, as my " payment '' is now 27 days late. They are forcing me to make a payment on a vehicle I can no longer use ( total loss ) and of which they absolutely know that payments have been submitted and are being submitted. The {$38000.00} should have certainly brought my account " current ''. Logic would dictate that.
Product: Debt collection

Comenity Capital Bank, dispute over credit card billing -- their reference no. XXXX  XXXX Comenity Bank, purchased my credit card account in XXXX XX/XX/XXXX from XXXX  XXXX XXXX. Comenity immediately bill me, for charges I'd paid earlier to XXXX. 

We took issue with the charges in XXXX, and after XXXX hours, were told someone would return to us within 90 days. We continued to get billed from Comity with late charges. 

After several hours over numerous phone calls, Recently last wee, I was advised by Comenity Bank to send in papers that show that we paid XXXX the amounts that they now claim are owed. The one exception was a bill for {$140.00}, from Comity which we paid as well, and enclosed proof of payment. 

My recent letter to Comenity stated : " You will note that the charges you listed on your bill, are all found on the previous final bill from XXXX, credit card VISA, XXXX, which we paid in the amount of {$250.00}, as shown in an attachment, leaving a balance of XXXX amount owed XXXX. 
We are lead to believe that you did not in fact receive from XXXX  our account information well past the date we paid XXXX on the account listed in the attached XXXX  bill. 
We also enclose a letter from you dated XX/XX/XXXX, indicated you owed us {$6.00}, which acknowledges someone in your organization reviewed the account and concluded that you owed us money not the other way around. However you have been charging us late fees since we contested this with your agent in XX/XX/XXXX. We ask that you refund all amounts of late payment that you have billed us in connection with this account ad there were no late payments. 
According to our records we owe Comity nothing at this time. Please correct your accounts. In the event you dispute this amount please forward our recorded telephone calls, so we can deal with this matter from the same set of facts. "
Product: Checking or savings account

My family ( my wife XXXX XXXX and I are join account holders ) has been a costumer of Citibank since XXXX. On or about XXXX XXXX, on daily basis, up to 10 transactions a day amounting to thousands of dollars in total, at same/similar location in another State ( WA, we live in CA ), minimal amounts were withdrawn ( presumably to game the Citibank 's substandard security ) from our checking account without our knowledge or consent. Citibank never raised any alarm nor notified us at any time of these highly suspicious transactions. 
When we found out after receipt of monthly statement and immediately raised the issues with Citibank, filed a police report, provided declarations under penalty of perjury that we did not have knowledge or authorize subject fraudulent transaction, local Citibank representatives assured us on record after review that it was very clear that were we victims of fraud and Citibank would credit us for the fraudulent transactions. 
However, later on via letter dated XX/XX/XXXX Citibank informed us that subject fraudulent transaction 'appear to be consistent with your normal banking activities. ' Furthermore, subject Citibank letter noted : 'YOU ARE ENTITLED BY LAW TO OBTAIN COPIES OF THE INFORMATION USED IN OUR INVESTIGATION. ' Despite our repeat written and telephonic request to date that Citibank comply with applicable law and provide us with 'copies of the information used in [ its ] investigation, ' Citibank has refused to comply with applicable law to provide requested information. 
As of today, I have been deprived of nearly 50hrs from work and family to address this matter to no avail. In short, Citibank has a failed and substandard-in-the-industry security in place allowing thieves to steal our money. When my family found out and notified Citibank, instead of crediting us for the amounts, Citibank defamed my family by implying we are not being truthful, failed to reimburse us, and refused to comply with applicable law and its own letter in providing us with 'copies of the information used in its investigation. ' Nor could Citibank without doubt affirm that its own employees and/or agents with insider knowledge ( withdrawing minimal amounts ) were not involved in gaming its security to commit subject theft ; thus my families plea to CFPB for assistance ; thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. I didnt even know anything about these until I was not offered a job because of these items on my credit Please have these removed. XXXX XXXX XXXX XXXX/NA ( acd # 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  and XXXX XXXX XXXX. I reached out to my local XXXX and the 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 rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED I XXXX  XXXX has violated my rights. 
15U.S. C 1681 section 602 A. States have the right to privacy.

15U.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: Debt collection

I sent Kross Lieberman & Stone on XXXX XXXX, 2016 to request validation under the Texas Financial Code. On XXXX XXXX, 2016 i received improper validation from the Kross Lieberman & Stone. On XXXX XXXX, 2016 I sent Kross Lieberman & Stone another letter informing them that they did not properly verify the debit under the Texas Financial Code and that they either need to verify or delete the debit. Kross Lieberman & Stone received that letter on XXXX XXXX, 2016 and i did n't get a response back from them. I sent them one final letter on XXXX XXXX, 2016 letting them that they never responded to my request and that since they are refusing to acknowledge the debit validation or send me what i am requesting under the Texas Financial Code and i ask that they delete the tradeline since they are properly giving me the validation i request in my first correspondence. Once they received that letter on XXXX XXXX, 2016 and I never recvied anything thing else from them and they are still showing on my credit report.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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: Debt collection

Received a voicemail on XX/XX/XXXX stating I needed to call them back as soon as possible due to actions taken against me. I called the number back and was told I needed to be transferred to a case manager. I spoke to XXXX XXXX who stated they were contacting me due a civil lawsuit against me relating to money I owed to Wells Fargo on a closed account. I asked when the account was closed. He said it was closed in XXXX and I owed {$800.00} which will be sent to their attorneys if I did not settle the debt today. I told him I thought the statute of limitations for debt collection was 7 years so why are they contacting me about something is almost XXXX XXXX XXXX. He said this a federal deficiency matter because Wells Fargo is a federal bank and therefore the statute of limitations is 15 years. He repeated all 9 numbers of my full social security number to me. Not sure how they have that information. I don't even believe I owe anything to Wells Fargo. I asked him if I owe Wells Fargo, why have they not sent me anything in 10 years and then all of a sudden I'm getting a call being threatened with a lawsuit. He said he wasn't threatening and that if I did not make attempts to settle the debt they would report it the XXXX, all three credit bureaus which will force my bank to close my current accounts and they will send my case file to their attorneys. I told him as far as I knew, they aren't allowed to report anything to the credit bureaus more than XXXX XXXX XXXX and that I was not going to pay anything without proof that I owed it. He then said he will notate my account as refusal to pay and to watch in the mail for civil lawsuit papers and then hung up.
Product: Checking or savings account

I made a cash deposit at the ATM of my bank, Commerce and the put a hold on it. I called them and they said they had to verify a cash deposit. Ive bank with them for six years and never had my cash deposit held.
Product: Mortgage

Payoff amount requested on XX/XX/XXXX via the companys website and then the request was confirmed the same day via phone call. 
The companys website offered by options for delivery of the payoff information. I chose for the information to be delivered via web to my email. Following up on the request after the XXXX business days passed without me receiving the information, I was told the report was generated and mailed out XXXX business days after the request ( XX/XX/XXXX ). I have not received this report in the mail. Today is XX/XX/XXXX. I asked the company to email the report they supposedly mailed. I have received nothing. I was told they would resubmit the request on XX/XX/XXXX and that it may take 5 business days. I have been waiting XXXX business days for information I should have had in hand after XXXX business days. 
The company is moving forward with foreclosure, sheriffs sale scheduled for XX/XX/XXXX. I received that notice, but not the payoff info that would give us a chance to avoid foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX and Sagestream are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX any other information is incorrect. You have an obligation to report account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX XXXX XXXX opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent item. I do not recognize this account as reported. This item appearing on my consumer credit report was not opened, made, or initiated by me and is the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that this consumer credit account is the result of identity theft and fraud.
Product: Mortgage

I have a current mortgage loan with XXXX XXXX XXXX, loan is serviced by Loancare for a Co-op in NY. I am currently in contract for the sale of my co-op & also in a purchase contract for the purchase of a new home. Currently both files are cleared to close except for we are waiting on Loancare ( my current lender on co-op ) to produce the collateral documents needed for closing. The purchase of my new home is contingent on the sale of my co-op. I have been at Loancare 's mercy going on two months now awaiting either the closing documents needed to move forward with the sale of my co-op or for them to concede to not having the documents & provide me with an affidavit stating the documents are lost, in order for my Co-op to reissue the original collateral documents. My buyers ( for my co-op ) have already extended their rate with their bank twice ( having paid fees to do so ) & my seller for my home is threatening to pull out of deal since I have been unable to close. Between these two deals there is over {>= $1,000,000} at risk & I have no place to turn other than threaten to sue them if these deals are lost. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer. Ally financial never reached out to contact my daughter who is the primary on the account. So I did not know there was an issue with payment. 

They said she was a month late on payment but went after me for my credit. My score dropped XXXX points. So I got ambushed. 
They would call me during work so I could not answer exactly when they called. When I would return call Ally financial they repeatedly dropped my calls or hung up on me. I called Ally at least 5 times with the same result. Did not get rep on the phone until after the fact. 

If you look at my credit history over past 10yrs anyone will see I am very prompt about staying on top of my bills. An opportunity would have been nice. Seems some degree of laziness on Allys behalf is the issue. 

My daughters grandmother passed away and had to pay for funeral costs. They never properly contacted anyone so they would not know that. 

No true procedure for communicating with there customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I bought some shoes from XXXX which I returned back to them. Per the XXXX  tracking number, XXXX, a warehouse employee signed for the shoes. XXXX claimed they didnt receive the shoes. I provided the tracking number which they claimed wasnt working. So I disputed with my credit card, Bank of America. I provided tracking number to BOA as well. 
They issued a temporary credit, pending the investigation. I checked my card Friday and noticed Bank of America reversed the credit. all I can do at this point is provide tracking, which I thankfully saved. 
Its deplorable that Bank of America doesnt believe in putting the work in and investigating during disputes. There no reason my credit shouldve been reversed. 
Ive been calling them since XXXX, and been on hold. I understand theres a pandemic. If theyd done their due diligence, I wouldnt be in this predicament.
Product: Debt collection

I submitted documentation to the credit bureau regarding the resolution of this account with collection agency ; XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX VISA Acct # XXXX. I received a notice on XX/XX/2021 stating that the account was sold to them ; Total Card, INC listing the same account number that was paid with XXXX XXXX XXXX under- The XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX # XXXX. I contact this agency and was informed that they sold it to XXXX XXXX XXXX, which when I call the number that was given to me XXXX no one ever answers the phone and no one ever calls back. This account has been paid.
Product: Credit card or prepaid card

I have a Discover credit card and in XXXX XXXX I had some unauthorized charges on my credit card. Discover recommended that I cancel that card and get a new credit card with a new number. In XX/XX/XXXX, I noticed that there were some unauthorized charges on my new credit card but the statements said that these charges were transferred from my old credit card that was cancelled over a year ago. On following up with Discover I was told that even though the old credit card was cancelled, someone could still misuse it by setting up a recurring charge account at an online vendor and charge the card and those charges would be transferred to my new card. I made many calls to Discover and also made a complaint to the executive office of Discover Financial. They have told me that their systems currently have no way of preventing these fraudulent charges from passing to me in the future. They assured me that they would refund any unauthorized charges but it would be up to me to monitor my account to find and report these. This seems to be counterintuitive that if they suspect that my credit card information is stolen that they would not take steps to shut it down and protect my new account. They can not guarantee that I would not have future issues as they are unable to decouple my previous card from my new account. My only choice is to shut down the account permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a federally protected consumer. Experian was notified of a dispute of account with XXXX XXXX  Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC, Failed to Properly Investigate Inquiries they Placed on MY Credit Report. And Then Deleted it When I Demand a Proper Investigation. Causing me to be Denied Credit To Buy My Equipment for my Business. DELETION IS ADMISSION. By Willfully Placing and Deleting Those Inaccurate and Erroneous Inquiries on myCredit Report. I am willing to settle your Civil Liability Damages that I have suffered as a Result of your Violation for {$1000.00} Each!!! Pursuant to FCRA 616 ( a ) ( 1 ) ( b ) 15 USC 1681 ( N ) Should you fail to Settle the matter by tendering Payment in the Amount of {$8000.00} Within 10 Ten Calendar Days Receipt of this Notice and Demand. I will seek Actual Damages Whicever is Greater than {$8000.00}. I will be Attaching the Denial Letters too.
Product: Student loan

I was informed on XX/XX/XXXX that FedLoan Servicing who had handled my student loan had discovered a disbursement adjustment on a loan that was paid in full XX/XX/XXXX. The account has shown since XX/XX/XXXX to XX/XX/XXXX a {$0.00} balance. Once they discovered the error they posted a balance of {$220.00}. This amount however is not the the adjustment amount but it is the amount that was adjusted plus interest that was charged on that amount since I paid off the full balance on XX/XX/XXXX. I addressed with Fedloan how can you charge me interest from XX/XX/XXXX-XX/XX/XXXX with my account showing a {$0.00} balance the entire time. They stated they did not discover it until XX/XX/XXXX and I must pay interest on that balance. I was never informed of a balance or that I was accruing interest on the balance until after I have accrued over the 21 months. In other words they made an accounting error and discovered it 1 year 9 months later and I as the consumer I have to pay interest for the error.