23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a Collection notice from Professional Account Services , Inc. for a hospital bill in XX/XX/2018. I explained that I have contacted the hospital many times about the fact that my insurance company stated I reached my max out-of-pocket amount in XX/XX/2018. Therefore, I was advised to inform the hospital to bill the insurance company directly. Despite the fact that I have advised the hospital verbally and in writing to bill the insurance company, the hospital nonetheless sent the account to Collections. 

The Collections agent told me I need to clear it up with the hospital, but when I told her I've already tried many times yet they still sent it to Collections, she told me that's my problem. I asked why they don't contact the hospital ( their Customer ) and she said they don't do that. I let her know that if I am contact by Collections again, I will consider it harassment and make a complaint. She said she will just block my call. 

I have not had experience with Collection Agents, but this woman fit the stereotype I've seen in movies and television.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a inquiry on my report XX/XX/2022 from XXXX. i need it removed i never applied there thank you.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to formally request a resolution regarding an unauthorized transaction that occurred on my CashApp account. Below are the details of the incident : Date of Transaction : XX/XX/year> Amount Involved : {$420.00} I noticed that a transaction was processed through my CashApp account without my authorization. Upon realizing this, I immediately contacted CashApp customer support to report the issue and request a refund. However, despite my efforts, I have not received a satisfactory resolution. 

Actions Taken by Me : Reported the unauthorized transaction to CashApp support on XXXXXXXX XXXX 
Provided all requested details and evidence regarding the issue. 
Followed up multiple times but have not received a refund or a clear resolution. 
Actions Taken by CashApp : None This unauthorized transaction has caused financial hardship, and I believe CashApp has a responsibility to investigate and resolve this issue fairly. I am requesting a full refund of {$420.00} and an explanation of why the transaction was not blocked or reversed. 

If this matter is not resolved promptly, I may escalate my complaint to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or seek legal action. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all three credit reporting agencies.
Product: Debt collection

XX/XX/2017 XXXX sent me a letter saying 2 accounts from common wealth financial systems inc. were deleted ( they were not mine ) and on XX/XX/2017 those 2 accounts were sold to another creditor whom is now re inserting them back onto my credit amounts of XXXX , XXXX . They arnt my debt yet they are putting them on my negative credit which were previously deleted by XXXX XXXX. Debt collectors are, XXXX XXXX XXXX  and XXXX XXXX XXXX.
Product: Checking or savings account

I sold a XXXX XXXX XXXX XXXX and the buyers deposit a check on my account but I think he deposited twice and a couple days past and I cant withdraw funds. I call 3 times to capital one and they didnt do anything just ask me for the person phone number and thats it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to XXXX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Product: Vehicle loan or lease

I leased a new XXXX Hyundai XXXX in XX/XX/XXXX. I paid a {$1.00}, XXXX deposit and traded in a XXXX Hyundai XXXX valued at {$4000.00}. Upon leasing the vehicle I had many unresolved issues by Hyundai. I spoke with their consumer affairs department multiple times and they failed to correct the issue. Although those issues are independent of the issues concerning this complaint, they are relevant in that Hyundai continues to act in bad faith against consumers. My lease was for 36 months and was set to expire XX/XX/XXXX. On XX/XX/XXXX, my car was declared a total loss due to flooding. I paid approximately {$14.00}, XXXX in lease payments. My insurance carrier encourages, XXXX, sent Hyundai Motor Finance a settlement check in the amount of {$19.00}, XXXX. In total, Hyundai Motor Finance received approximately {$33.00}, XXXX for the vehicle, an amount that far exceeded the market value of the vehicle even when it was brand new. When I initially contacted Hyundai Motor Finance XXXX of its representatives advised that he believed i would be entitled to a refund. I received a final statement from Hyundai which included a fee of {$75.00}. I paid the {$75.00} and called Hyundai to inquire when I would receive my refund. Hyundai advised they would not be providing me a refund. I explained they were overpaid by my insurance company, I traded in my old vehicle to lease their vehicle, and I also placed a {$1.00}, XXXX deposit. Hyundai explained they were not involved with the initial lease transaction. I explained to Hyundai the dealership, XXXX XXXX Hyundai XXXX XXXX, advised my trade in and a {$1.00}, XXXX payment was required for approval by Hyundai Motor Finance. In fact, I remember the dealership quoted me a very high lease payment ( over {$500.00} ) which exceeded Hyundai 's advertisement of {$300.00} for a new leased vehicle. They were able to get me down to a payment of {$420.00} at a rate of 4 %. I asked Hyundai to reimburse me the {$1.00}, XXXX and the cost of my trade in vehicle. Hyundai has refused. I am now without a vehicle and unable to fiannce a new vehicle as Hyundai has been overpaid by my insurance company. Hyundai is engaging in unfair trade practices against its consumers.
Product: Vehicle loan or lease

I purchase my XXXX XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX Maryland, with an extended warranty. Unfortunately, I found out later ( 3 years ), my Car is in a class lawsuit against the ( XXXX ) engine, for oil chain causing major oil leaks, and there is no oil dip stick to check the level of oil, on this model, along with a under covering, so can not see any street oil leaks, and a malfunction on the interior computer dash to not show low oil. Unfortunately, thats what happen to me, and my cars engine locked up, while I was driving on the highway, Thank God I was able to pull over safely, because the car completely shut off, and never started again. I contacted XXXX  BMW in XXXX, XXXX, they informed me of the pending class lawsuit, and told me Bmw of America would pick up {$11000.00} of the {$19000.00} to replace the engine, and I have to pay {$7500.00} balance. Thats not fair to me, and was no fault of my own, I dont have that! I feel Im being bully! And I still have a car note with XXXX XXXX XXXX on this car
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Credit card

OPPFI/XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent Letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked personal and financial information on hundreds of millions of Americans. I am one of them - the Equifax website confirmed my info was leaked. 

As someone in the XXXX XXXX field, the only explanation for this is gross incompetence. It should not be possible for a leak of this magnitude to take place. 

There should be a full investigation with civil and criminal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
Product: Checking or savings account

An ACH transfer from another account was delayed/reordered to result in an overdraft fee from a check. According to the online banking information the transfer shows as pending Tuesday XXXX, and according to the sending institution was completed by sending institution on Monday XXXX. Also, a positive available balance is shown on the account and multiple debit transactions were allowed on XXXX even though overdraft is not authorized, which also supports the accusation that transfer was intentionally delayed or reordered to generate an overdraft on the check.
Product: Vehicle loan or lease

In XX/XX/2017 I purchased a car from Volkswagen. The car is a XXXX XXXX. The agreement on my wrist contract that I signed at the Dealer was a 3.4 apr going through my contract on the website that I used they have it at a 4.5. So after calling the VW credit and bringing it to their attention. He stated that I signed that contract which I know for a fact that I didn't. He went on to send me the contract they have on hand. As I'm comparing the two contracts it clearly are 2 different contracts. Meaning that my information was still forged into this bogus contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to investigate an email I received from a company called XXXX XXXX, stating that they denied my request I made for a loan with them, but I have never applied for a loan with this company ever. They also had an old address on the email that I had 11 years ago in Washington state. Is this a scam or has my credit report been accessed by this company without my consent? Please let me know if this company has really accessed my credit report. The company 's name is : XXXX XXXX, and they are based in XXXX, Wisconsin. I tried to call the number provided to inquire about this, but there was a strange recording that came on and I could not leave a message.
Product: Debt collection

I recently reviewed my credit report and noticed that there was a charged off XXXX XXXX XXXX ( credit card ) on all three credit bureaus reporting inaccurate information. I reached out to the original creditor about the account, the original creditor ( XXXX ) told me that they can not give me any information on the account because they no longer have the account. The owners of the account is XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX XXXX, FL XXXX when I looked on my credit reports XXXX XXXX XXXX XXXX is not listed as the collection agency nor collection attorney that has the account. the address on my the credit reports is showing XXXX XXXX XXXX XXXX XXXX, TX XXXX ( which is a XXXX  XXXX XXXX ) address. phone number is XXXX. I am totally confused as to why XXXX XXXX XXXX XXXX is not being reporting on my credit reports but a XXXX XXXX XXXX XXXX XXXX TX is being reported. why is XXXX, XXXX, XXXX not reporting accurate information? why is Andreu Palma & Palma not revealing themselves as the furnishers of the account if the original creditor said that they have it? Not only that, Andreu Palma & Palma has summons me to court XX/XX/XXXX for a lawsuit. I am asking them if you say I owe this debt please provide me with the original contract with my name listed along with other things. I sent them a certified mail asking this company to validate this debt. I am so confused and I really feel like Andreu Palma & Palma is misrepresenting and being misleading. I would hate to think that they are breaking Statue 15 US code 1692 e3, e7. this is the reason for the complaint today. please help me. they are reporting invalidated, inaccurate information to all three credit reports that is hurting my credit score at this very moment. None of this is making any sense and I am afraid that they are trying to take advantage of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX # XXXX is showing the wrong balance amount, currently late. I have never been late, it was last updated XXXX/XXXX/XXXX paid current and is also in a forbearance plan due to XXXX XXXX. It is drastically lowering my score.
Product: Debt collection

I had private college debt with Congress collection from three years ago. First they put the debt in my credit report then they started the communication. When I talked to them I arranged payment plans. But then I got unemployed then they stopped any communications with me. A month ago they put the remaining balance on my account again without sending letters or calling. I called to tell them I have a hardship and if they need proof so will provide me with the proofs so they can remove the debt from account temporarily until i would be able to maintain my payment again. I was treated horribly the agent and the manager didnt give a chance to explain myself and tell them about my situation. Recently because of vivid 19 my hours were reduced and I applied for the unemplyement. So I told I have a hardship and they need to remove the debt temporary. But no hope. They obviously were so disrespectful. They provoke me and the manager I believe her name is XXXX or XXXX didnt workout any other solutions with me didnt explain anything for. I know for a fact if I have hardship and provide them with the proofs they can remove the debt temporary from my account. But she said no I dont have a hardship and I sound like Im lying. They didnt even bother to ask why I have a hardship whats going on they didn explain anything. Two times the debt was reported to my account with any attempts of communications with me. I was treated so unfair. Both the agent and the manager didnt give me the chance to explain my situation. They just want me to pay in any way. They didnt explain what options I have to avoid the negative account on my credit report.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c you have violated my rights by in lawful communications. Please remove these collections off of my credit report. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditor that these debt collectors own this debt with the purchase agreement and has the legal authority to collect it or delete these accounts. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank You in Advance for your cooperation.
Product: Debt collection

1. **Fair Credit Reporting Act ( FCRA ) ** : - You have the right to dispute inaccurate information with credit bureaus.

- Debt collectors must verify and correct any errors they report.

2. **Fair Debt Collection Practices Act ( FDCPA ) ** : - Debt collectors can not use unfair or deceptive practices, including reporting false debts.
Product: Consumer Loan

A lot of issues have started since One Main financial switched computer systems. I was behind on a loan payment which was due the XXXX. On the first they started calling me AT WORK, numerous times a day, demanding money and saying that my account was already 30 days late. When they started the new computer system, i was locked out of my account. It kept popping up an error message and to call my local branch. Customer service thru One Main financial is more than lacking. RUDE is the best way to say it. Threatening calls saying that the payment was already 30 days late and that it WILL BE ON MY CREDIT. When i explained that the payment was not yet 30 days late and it would be paid when i got paid, which would be before the XXXX, she began shouting at me YES IT IS 30 DAYS! This was on the XXXX of the month. Plainly on my statements I receive the payments are due on the XXXX of the month! The tone in which the calls were made and the frequency of the calls i feel like are total harassment. Nothing compassionate or trying to reach a resolution about these phone calls it was just flat out harassing. Numerous times she was told that the payment would be made on pay day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX  XXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX  XXXX {$2300.00} DEPTEDXXXX   XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX  XXXX {$4100.00} DEPTEDXXXX   XXXX {$5000.00} DEPTEDXXXX XXXX {$2800.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX  / XXXX.
Product: Debt collection

I check my credit report this past weekend and noticed I have a collection from Southwest Credit on my report. I called them first thing Monday morning to see what this was about. Per the rep its for a cable bill that I knew nothing about. I asked her why didnt I get something in the mail before they attacked my credit and was told. We are not the cable company and do not need to send you anything. I told her that she did need to send me something so that I could dispute it. She told me it will stay until I pay. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX Bank on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX a.m and XXXX a.m and one was made at XXXX p.m. XXXX XX/XX/2019 I received four calls from the same number, XXXX every hour between XXXX a.m. and XXXX p.m. and one at XXXX p.m. It was not until the last phone called I received where a voicemail was left from chase and its card services. When I researched the number online I saw that it was a debt collection number from chase. Why is chase harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of one XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore it has been [ 37 ] thirty seven days since the debt was paid in full and it has not reflected on my credit score.