23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill from Americollect on XXXX XXXX, XXXX for {$50.00} for services by XXXX XXXX of Nevada. The issue with this bill is that my insurance provider at the time, Nevada XXXX XXXX, is in Receivership. Had my insurance provider not been in Receivership I would have had a zero co-pay for radiology services. This was communicated to XXXX XXXX of Nevada and they are well aware that under the Permanent Receivership, " The XXXX will focus initial efforts on two parallel goals : ( 1 ) avoiding disruption in the delivery of health care to the Enrollees for the period that they are entitled to receive such care from XXXX XXXX ending no later than XXXX XXXX, XXXX XXXX, and ( 2 ) maximizing payment to Providers and creditors for services rendered initially during the receivership period ( which commenced on XXXX XXXX, XXXX ) and thereafter for amounts owed for services rendered before that date. 

IT IS IMPERATIVE THAT YOU CONTINUE PROVIDING HEALTH CARE SERVICES TO ENROLLEES ON THE SAME BASIS AS BEFORE, WITHOUT CHARGING ADDITIONAL AMOUNTS OR REJECTING REQUESTS FOR APPOINTMENTS OR HEALTH CARE SERVICES. 

Specifically, the Permanent Receivership Order provides at pages XXXX and XXXX : All providers of health care services, including but not limited to physicians hospitals, other licensed medical practitioners, patient care facilities, diagnostic and therapeutic facilities, pharmaceutical companies or managers, and any other entity which has provided or agreed to provide health care services to members or enrollees of XXXX directly or indirectly, pursuant to any contract, agreement or arrangement to do so directly with XXXX or with any other organization that had entered into a contract, agreement, or arrangement for that purpose with XXXX are hereby permanently enjoined and restrained from : Seeking payment from any such member or enrollee for amount owed by XXXX ; Interrupting or discontinuing the delivery of health care services to such members or enrollees during the period for which they have paid ( or because of a grace period have the right to pay ) the required premium to XXXX except as authorized by the Receiver or as expressly provided in any such contract or agreement with XXXX that does not violate applicable law ; Seeking additional or unauthorized payment from such XXXX members or enrollees for health care services required to be provided by such agreements, arrangements, or contracts beyond the payments authorized by the agreements, arrangements, or contracts to be collected from such members or enrollees ; and Interfering in any manner with the efforts of the Receiver to assure that XXXX members and enrollees in good standing receive the health care services to which they are contractually entitled. '' Thus, as Ordered in the Permanent Receivership, it is unlawful to attempt to collect ANY amount owed by the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX    XXXX   XXXX   XXXX   gave   XXXX   XXXX   XXXX   XXXX   the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under wage earner from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in  XXXX  when my loan was transferred to   XXXX   XXXX   XXXX  . I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX   & my payments were payroll deducted. My employer ein # is   XXXX  . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in  XXXX  and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  . 1098-mortgage interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.
Product: Payday loan, title loan, or personal loan

This loan was offered through XXXX XXXX, applied to for the loan. Was approved for XXXX  USD. Upon applying for that consumer transaction, ONEMAIN, is now requiring collateral which was advertised as a option not mandatory to have, to be given this loan which is already turned into a Promissory Note aka a security instrument, this was on XXXX. On XXXX until present day, have been seeking to speak to the Branch manager XXXX XXXX and the underwriter, as of today XXXX, one called spoke with XXXX XXXX and she would not get one access to the Underwriter and said she will have her assistant manager reach out, spoke with XXXX XXXX, asked to speak with the underwriter was nformed that the underwriter is a computer, so a computer is securitizing these Promissory Notes? Informed both individuals of their violation s of the Consumer Protection Act and Laws which they did not even look at each code one gave XXXX continued to keep speaking on Fair Credit Act and disregarded the Consumer Protection Act and Laws. Today XXXX, Before reaching XXXX and XXXX, one spoke with the main call center and asked to speak with the underwriter and was informed that they don't have a number and that the Branch Manager would have to give one access to speak with a underwriter. With this information and with what one was informed by the Branch Manager and her Assistant Manager clearly there's deceptive practices transpiring here. Nothing is matching up to the truth. They have access ones credit and now requiring a down payment to receive the loan when this is in fact a Consumer Transaction and not a credit transaction and as a consumer one stated " want a listing of all factors were involved with this consumer transaction '' was denied this also. This is clearly a violation of multiple consumer laws. Charging to access one 's credit after already pulling a hard inquiry. 15 U.S.C. 1681 15 U.S.C. 1611 15 U.S.C. 1692j 15 U.S.C. 1601 Note - was informed that this was an unsecured personal loan and needed to give collateral however that's not what is advertised. It's advertised the opposite way and as for the location being Utah, there's no stipulations as of loans in that location.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete this account from my credit report. 

1. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX # XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX
Product: Credit card

On XXXX XXXX I became involuntarily unemployed. I have 3 credit cards that were issued by a Genesis FS Card Services that has been recently taken over by Concora Credit. I have credit protection on all three cards. I contacted the company and uploaded the information as requested to initiate credit protection on my accounts. Benefit payments were not being paid so I contacted the company again. The agent stated that the request was still being processed. It is now the end of XXXX and credit protection benefits are not being made.
Product: Payday loan, title loan, or personal loan

I received a loan of {$1200.00} and signed the documents while XXXX  and not reading the details. After receiving the loan I noticed the payback amounts were astronomical. I then looked at what the payday loan laws of my state were and these loan payback amounts are way above the state of NJ laws on how much a lender can charge in interest. This company claims to be exempt from state laws due to their tribal affiliation, however they are using the tribal law affiliations to thwart state laws and to act as a predatory lender. I do not mind paying back the principal loan but the interest they are asking for of over 500 % is absurd & should be illegal. I also question their true tribal affiliation. This is criminal in my opinion especially since I was XXXX  when signing the document.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 we made a payment of {$12000.00} to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA, XXXX at a XXXX XXXX account # XXXX XXXX XXXX. We subsequently learned that the account number was incorrect, XXXX XXXX does not have an account at XXXX. Please see attached for required fields in order to process payment - first name, last name , street address, city, state, country and postal code are all required fields for the transaction. Bank of America validated the recipient information. 

Subsequently, we learned that the account number was not correct and does not belong to the intended recipient. We immediately contacted Bank of America to put a hold on the transfer. Bank of America assured us that the funds are guaranteed to never make it through as there is a mismatch between the recipient and the account number. They assured us the funds should be back in our account the next day. 

To our surprise, the funds cleared from our account and were sent to the account number above, that belongs to a recipient unknown to us. To add insult to injury, we received a shocking note from Bank of America, simply notifying us that our claim to return the funds has been denied. This logic is equivalent to us sending a check to the recipient at an incorrect address and the receiving party depositing the check in their account, with a complete disregard for the fact that the intended recipient was someone else. 

As you can imagine, we rely on adequate security measures of large institutions such as Bank of America. In this instance, these security measures failed and we demand the refund of the full {$12000.00} so we can pay the intended recipient. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a current credit card account with XXXX that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the XXXX credit bureaus ( Experian, XXXX, and XXXX ). I reached out to XXXX and they said they have been reporting the card. I reached out to Experian but they could not help me with any useful information and instead tried to sell me paid membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts 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. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : OFFICE OF THE ATTY GEN XXXX Balance {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint AGAIN to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting A

ct, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearin
g from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXXXXXX fraudulent account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX fraudulent account XXXX XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX XXXXXXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTCXXXX XXXX CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear LexisNexis ; I recently received a detail report on my LexisNexis credit file and I was looking through it, and noticed that there is an error with the way an Item is reporting with your organization and I would like it to be removed immediately. I extract some pages on the pile of paper that you send me, and I would like your company to remove this item from my credit report immediately. 

My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I demand these accounts to be deleted from all current and future credit reports.

Additionally, please send me an updated FULL report once this has been resolved.

I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Thank You,
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I have disputed this debt with the credit bureaus and it came back verified Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - Ally Financial - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX - XXXX XXXX I have attached an ID Theft affidavit packet and police report.
Product: Credit card or prepaid card

About {$2000.00} were taken from my account and they are not cooperating by not investing my claim. I need help getting my hard earned money back.
Product: Debt collection

My husband and I lived in an apartment that became to expensive to live in once my husband lost his job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.
Product: Credit reporting or other personal consumer reports

I have submitted a compliant in writing stating that the account number XXXX for XXXX XXXX XXXX was reporting incorrectly. I advised that an account could not be listed as 120 days late and closed at the same time. I have discussed with this agency also via phone. Nothing has been done. Please update reporting information. Also, I have asked this company to update my name and nothing has changed. My name is spelled XXXX XXXX. This goes against might of fair an accurately reporting. Please assist. 

I have asked XXXX and XXXX to update my name as it appears on my Id XXXX XXXX XXXX. There are several names listed on these reports with incorrect spelling and various versions. I have contacted the companies but no assistance. I was advised to contact the reporting which wasnt any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The holder of the mortgage on my home, XXXX XXXX, has called and emailed me twelve times  in the last two weeks ( late XX/XX/XXXX through XX/XX/XXXX ). Various individuals identifying themselves as part of XXXX 's Retention Department indicated they were contacting me because the credit agency Equifax had alerted them that I have applied for a mortgage with another company. 

This is a violation of my right to privacy. I have never authorized XXXX XXXX to monitor my credit on an on-going basis, nor have I authorized Equifax to sell this information about me. My personal decisions about with whom I do business, whether I intend to refinance my mortgage, or seek a second mortgage or HELOC are personal private information that no third party has the right to sell or publish. 

If this is not a crime it absolutely should be!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX. I attached a letter from the court stating that they do not provide any information to any credit bureau, which these companies said they did a proper investigation.I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter.