23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection account that has a balance of over $ XXXX for an apartment that I vacated while attending college in XX/XX/XXXX-XX/XX/XXXX. The account balance I received from the apartment complex as of XXXX/XXXX/XXXX was {$2900.00}. The collection company reports the balance as over $ XXXX. I checked my credit report for the XXXX time ever in XX/XX/XXXX and saw that the collection company opened the account XX/XX/XXXX, but the balance was already at over $ XXXX. 

*Left the complex XX/XX/XXXX with a balance of {$2900.00} *XX/XX/XXXX- collection agency reports balance of over $ XXXX *Monthly rent was {$410.00} and another person did move into the room within 2 months of my departure. 


On XX/XX/XXXX, a letter of validation was sent to Phoenix Recovery via certified mail to validate the debt, as the amount is extremely high and I have not received anything from the apartment complex or any paperwork from Phoenix Recovery, stating additional charges were owed between XX/XX/XXXX and XX/XX/XXXX. The letter was also sent to all XXXX credit bureaus. Phoenix Recovery did not respond to the letter at all ; not even mailing a bill. Although, they did respond to the credit bureaus. None of the credit bureaus will remove the debt, even though Phoenix Recovery has not complied with the Fair Debt Collection Practices Act. The letter included my updated mailing address and phone number so there is no reason that Phoenix Recovery would be unable to contact me. 

I understand I have an obligation to pay for the balance of the debt plus applicable fees for the last few years, but the balance is extremely unreasonable and unjustifiable. I also can not pay a company that does not communicate with me. The validation letter is attached along with the pay or vacate notice with the balance due ( along with the dates ). I 've also attached the part of the credit report with the collection information on it. I appreciate any assistance in resolving this matter so I can satisfy my obligation.
Product: Debt collection

Debt collection company lawyers ( Kirschenbaum & Phillips ) wrote me a harassing letter ( XX/XX/XXXX ) to collect a debt that was proven uncollectible in XXXX civil court after successful motion, by me, on ( XX/XX/XXXX ) removed the case to private arbitration with XXXX. The debt collection attorneys refused to pay for our arbitration fees, as stipulated by the XXXX XXXX XXXX member agreement they bought, as well as by an active court motion that ordered them to from XX/XX/XXXX. They ignored XXXX arbitration and the XXXX courts orders and offers to resolve or settle this alleged debt dispute. They proceeded to ignore, deny, and wait until they presumed all court and arbitration actions were done to resume harassing me again with letters on this unproven, uncollectible, and now statute dismissible debt. The dental debt is from XX/XX/XXXX. The Statute of limitations in New York State for credit card dental debt is now 3 Years as per a newly enacted law. They need to stop the harassment on invalid and uncollectible debt.
Product: Bank account or service

I have asked my bank repeatedly to remove the overdraft protection from my account. They refuse to cooperate. Each time that the overdraft protection is used, it results in a {$35.00} fee. These fees result in insufficient funds for purchased which result in more overdraft fees. The cycle keeps repeating itself. I asked them to reimburse me for the fees as I do not want the overdraft protection. They refused to reimburse me because they reimbursed me for fees in the past. Any fees that have been reimbursed to me were done so as a result of their mistakes. I live paycheck to paycheck. I am paying bank fees instead of my bills. This is ridiculous. I 'm not asking for a lot. All I 'm asking for is for the fees to be credited back to my account as they should never have been incurred. My account has a negative balance right now and there are more fees that are going to be added to that balance. I get direct deposit. The majority of my check is going to be deducted instantly to cover this negative balance. Something needs to be done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has not properly validated this account, and it must be deleted in accordance with the FCRA. XXXX continues to inaccurately report the following collection account on my XXXX consumer report. XXXX did not show proof that I owe this company XXXX. XXXX did not show proof that I owe their company this debt with a document showing my signature on it. XXXX can not show me detailed list of the history of payments on this account because I do not have a signed contract with XXXX guaranteeing payment to them. I did not receive the requested documents from XXXX XXXX XXXX as requested. Inaccurate Account : XXXX. I demand that this account be deleted immediately because I am not liable to XXXX XXXX XXXX for this account. The laws that this company have violated are 15 U.S. Code 1692g of the Fair Debt Collection Practices Act, and under 15 U.S. Code 1681i ( 5 ) : Removal of Inaccurate/ Invalidated credit information. This company can not accurately validate this company because I do not have a signed contract with Resurgent/LVNV.
Product: Debt collection

Diversified Creditors Services in XXXX, WA has consistently called me at work and my cell phone. They give the mini miranda when calling my place of employment so now they have shared knowledge of collection of a debt with my employer. I also have never received a validation of this debt, just numerous phone calls. I did attempt to call them and they did n't even verify that it was me on the phone. They asked my name, that was all. When I said that I did n't think they were allowed to call me at work the debt collector disconnected the phone call. Based on them calling my employer, not validated any debt and not verifying who i am when discussing a debt I 'm think of getting legal counsel regarding consumer harm.
Product: Debt collection

I have consistently disputed a Collection by Convergent Outsourcing for a XXXXXXXX  account they tried collecting on. I have already paid the collection off with Convergent Outsourcing and it continues to remain on my XXXX Credit Report despite how many times I have disputed the item that it has been paid and needs to be removed from my XXXX Credit Report. Furthermore XXXX Credit Reporting Agency has failed to honor my request and remove the item that continues to hurt my credit and keeps showing as an active collection on my XXXX Credit Report. Action to remove the item from further hurting my credit must be taken. 

Collector : Convergent Outsourcing ( XXXX XXXXXXXX XXXX Date Opened : XX/XX/ Paid : XX/XX/XXXX  Paid in XXXX  Amount : {$2600.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.
Product: Debt collection

After reviewing my credit report, I discovered several fraudulent accounts. These are negatively impacting my credit.
Product: Debt collection

I am writing to formally submit a complaint against Medical Data Systems regarding a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) through the improper reporting of my personal medical information to credit reporting agencies.Account Number : XXXX Medical Data Systems reported an account containing sensitive medical information related to my health status and treatment without my consent. This breach of confidentiality is a clear violation of HIPAA regulations, which protect patient privacy and restrict the sharing of medical information. As a result of this violation, I have experienced emotional distress, difficulty obtaining credit, and defamation to my credit worthiness.

I urge the CFPB to investigate this matter and take appropriate action against Medical Data Systems for their violation of HIPAA regulations. 

Thank you for your attention to this serious matter.
Product: Credit reporting or other personal consumer reports

XXXX. On XX/XX/XXXX i I submitted proof of identity theft to Experian and asked to remove XXXX XXXX account for an XXXX account that was not mine. 

XXXX. I submitted the requred FTC XXXX, original police report and XXXX supplemnental reports showing that the account was fraudulently opened, and the police had identified the person who opened the account XXXX. On XX/XX/XXXX Experian requested a copy of my Driver 's license and utility bill, which i uploaded on the portal XXXX. On XX/XX/XXXX, in error, Experian processed the identity theft dispute for XXXX XXXX as a dispute over my phone number. In error, Experian removed my correct phone number from my credit report and has not removed the XXXX XXXX Report after proof of identity theft for the T-mobile account fraudulently opened in my name a XXXX Experian portal does not work and persons processing the disputes not reading the documentation. 

I need the CFPB to excercise oversight, There is no excuse for Experian to process an Identity Theft issue involving a fraudulent XXXX  account opened in my name as a dispute over my phone number
Product: Debt collection

I have been charged {$230.00} from a Citibank account and {$3200.00} from the XXXX XXXX XXXX, which is, not mine. They belong to my mother, and she has never used my SSN ; she requested it on her own and asked for an additional cards for me because I was a XXXX XXXX  at the time and I was not working. and they are sending it to my credit report, she sent a letter about it and is still at the report CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This is a complaint about BP Visa Credit Cards and the changeover from XXXX to Synchrony. 

My last XXXX credit card bill told me that autopay is on, that the full balance would be withdrawn on the due date. It was not. During the course of the last billing cycle, Synchrony took over and no payment was collected. Instead Synchrony charged a late payment fee of {$25.00} and interest of {$14.00}. They have corrected the late payment fee, but not the interest, yet. I have contacted them. 

I am contacting you about this because it may have affected a number of customers and the banks should not be rewarded for incompetent handover by allowing them to even try to collect late payment or interest charges from those who had autopay set up with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, XXXX XXXX and Equifax has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Product: Credit reporting or other personal consumer reports

I am submitting a dispute regarding inaccurate information on my LexisNexis consumer report. My report contains incorrect addresses, an unauthorized email address, and business association records that do not belong to me. Additionally, several unauthorized inquiries appear on my report without my consent. These inaccuracies violate my rights under the Fair Credit Reporting Act ( XXXX ).
Product: Mortgage

My home purchase closed   XXXX   XXXX   XXXX    , with the first payment due   XXXX   XXXX  . My mortgage lender sold the loan to LoanCare , LLC for servicing. My lender tole me I would receive paperwork from  the servicing company a nd not to worry if there were " a little slow '' because I would n't be charged a late payment. Having received nothing by   XXXX   XXXX  , I contacted my lender, who tole me the correct payment amount and emailed me a copy of the notice of assignment. He recommended calling the company to verify the address to send payments. On   XXXX   XXXX  , still having received nothing fro m LoanCare, I called the number on the notice of assignment. The automated answer system a  sked for my account number, so I entered the loan number on the notice of assignment and was informed that was not a valid account number. I was able to continue by entering my SSN instead. I   was treated to an extensive automated run-around that lasted nearly 10 minutes. It finally gave me an option to speak to a live person, and when I punched that number on my phone, the system cut me off. I tried calling back and was cut off much earlier in the run-around. The phone system had informed me of a web address for LoanCare, so I tried th at next. The website also informed me that my loan number was incorrect, and it did not offer an alternative os using my SSB, so I could not proceed. I had no choice but to send my payment to the address on the notice of assignment and hope for the best. I included a somewhat tart letter outlining my significantly negative experience and suggesting the least the company could do would be to inform me of my correct loan/account number. They cashed my check but I have received no communication whatsoever. On   XXXX   XXXX   XXXX    , I again contacted my lender asking where I could file a complaint.
Product: Debt collection

Vance & Huffman LLC, creditor XXXX  XXXX has placed an invalid debt on my credit report that caused emotional distress for years. I have asked them to provide validation of debt via wet signature and photo documentation to prove the debt belongs to me. I will be seeking to sue this creditor if they do not remove this item from my credit report and provide proof of validation via wet signature and photo evidence.
Product: Debt collection

Enhanced Recovery Company had received the debt from XXXX and placed on my credit report XX/XX/20. They sent bill to my address claiming I have debt. Call received from ERC immediately requested validation of said debt which I never received. I requested validation on their website XX/XX/20 and never received and they continue to call and or send bills. I also requested validation of debt on XXXX XXXX and haven't received it.
Product: Credit reporting or other personal consumer reports

I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided b

y 15 U.S.C. 6802 ( b ). A copy of the records used to verify the cancellation of my accounts. An update on the status of the disputed cancellation, reflecting any
corrections made based on my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Money lion Company account acquired in order to help build credit score before home purchase. Not only damaged credit score, many wasted hours attempting to rectify their mistakes.

Immensely negatively affecting my interest rate on home purchase. This company has ignored my desperate & patient requests to rectify my credit reports To reflect the truth. Yet still refuses to respond with tangible reasons for inconsistencies & late responses after admittedly being wrong. 
*website/app suddenly dysfunctional *false promises about rectifying their mistakes *calls miraculously drop when called for help *suspended account claiming proof of income & questioning where funds are coming from. 
*continues to pass consumer around to different departments with XXXX solution. 
*knowingly & falsely reporting to all credit bureaus. 
*continuing to charge a monthly membership fee. 
4 credit builder loans for {$1000.00} They give you {$600.00} until the {$1000.00} is paid in full and then release {$300.00} at the end. Then another offer after 30 days ( their rules ). I Take XXXX other offers under false pretenses. 
XX/XX/23 paid in full XX/XX/23 paid in full XX/XX/23 paid in full XX/XX/23 paid in full -still showing balance after 30+days These loans were agreed upon under the condition of being 1 singular revolving line of credit not 4. Company promised to clear up and remove the 3 extra open & closed reports. All lies. I have proof of their lies and emails with contradictory statements. Someone please help me.
Product: Vehicle loan or lease

We sent correspondence to Hyundai Capital America Inc. d/b/a Kia Motors Finance and they have not responded with pertinent information requested. Including certified mail item number : XXXX dated XX/XX/year> asking for validation. The company did not respond with that information.
Product: Checking or savings account

I am a US Bank customer. On XX/XX/XXXX I went to a US Bank ATM in XXXX Missouri to make a cash deposit. I attempted to deposit XXXX {$20.00} bills ( {$200.00} ) and the option I was given was " Deposit '' or " Add More '', I chose to add more. I added various bills totaling approximately {$240.00} additional cash. The ATM took the bills and then provided a receipt that said there was an error with my deposit and to contact US Bank. My cash was in the machine, but I have no receipt or access to it as the money was not credited to my account, nor was the cash returned to me. 

I went to the US Bank branch and they told me there was nothing they could do. They told me to file a claim with customer service XXXX # which I did that day. 

It is XXXX days later and I still do not have the money deposited to my account, nor do I have the cash I tried to deposit. The bank would not issue me a provisional credit while they investigated the error with their machine. This is the only money I have, and it has left me without the ability to purchase groceries, pay bills or rent. The bank is taking whatever time they need to do their investigation, while I am left without all the money that I have available to me to live. This is unfair to the consumer and should be fixed. 

Banks get the brand recognition with the ATM machines, but they have no consequences for the ATM that can not function properly, leaving a customer to figure out how to live for days and days without access to MY OWN MONEY.
Product: Checking or savings account

My account was closed sometime in XXXX. The bank took almost two weeks to get my funds even after I told them this is resulting in financial hardship. I had to use by son 's credit card to pay my living expenses. because they closed my account for a bad check, they would not allow me to go withdraw cash. 

Ultimately, the bank did not lose any money ( not even a XXXX ). I have called every two weeks since XXXX for the remaining funds. 

I received a bank statement showing XXXX balance but they are holding the remaining funds of {$450.00}. they keep telling me they are researching it. I asked what is there to research. this was a savings account where I have maybe deposited only several checks and all were cleared way before they closed my account. 

I called every two weeks since end of XXXX.
Product: Credit reporting or other personal consumer reports

I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX Can you please delete any records in your system where my name is not exactly XXXX XXXX XXXX XXXX 
This will ensure that the database has accurate information about me. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX, TN XXXX In appreciation According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX
Product: Checking or savings account

Almost a month ago, I called and spoke with several Huntington Bank Representative and requested that they please close my checking account. 

The actual issue is that they can not verify my new contact phone number that I added to my account in XXXX and CAN NOT closed that account. 

On Saturday, XX/XX/year>, I called and spoke with XXXX and other representatives to close my account : I am a XXXX XXXX and CAN NOT afford to visit any of their branches to close the account- This is the 21st century for XXXX 's sake! 

And even though their representatives are adamant that they are unable to send me a verification code to my new phone number, a code was sent to the same phone number that they can not verify. Yet, they will not close my account. 

When I called their automated system, I had to verify my PIN nbr ; who would know my PIN nbr? I must have provided my email address a hundred times and still their representatives kept saying 'we do not have your email on file " Huntington Bank sends me tons of email each day advising that 'Your balance is below XXXX  '. 

Last month, my account was assessed a XXXX XXXX monthly fee and it's getting very close to where another monthly fee will be assessed if the account is not closed. 
PLEASE stop the nonsense and close the account. 

Your below-average representatives and supervisors ( XXXX ) are lost in Translation. 

Unapologetically XXXX XXXX Account ending XXXX