23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt that has been fully investigated has been permanently removed from XXXX  and XXXX  Credit Bureaus years ago. It remained on XXXX  and have disputed this debt numerous times. I have provided all documentation and proof that this debt is not owed. That in fact, XXXX XXXX XXXX was paid by XXXX XXXX XXXX XXXX of Texas after the XXXX doctor 's office submitted the required proper forms, just like they did with my son during the same appointment time. The email I provided shows that the Dr 's office made a mistake and that everything would be resolved once they submit the form they're required to send in. They even apologize in the email. No procedures were started or completed that was not covered by our insurance. A doctor 's office verifies insurance before patients are allowed into the back offices. Insurance was verified. The XXXX Dr 's office was paid. However, they reported this office visit as a debt to credit bureaus until they were paid. That's when I disputed it. It was investigated and removed from XXXX  and XXXX  credit reports. XXXX XXXX associates removed the trade line with all credit bureaus and then sold the debt they were reporting and I have been disputing it ever since. 
-Letter ( Exhibit 1 ) to XXXX  requesting an investigation for debt Capital Accounts reports on my credit file. 
-I sent Certified Letter dated, XX/XX/XXXX, to the debt collection agency and requested they validate the said debt ( Exhibit 2 ). 
-They signed for the letter XX/XX/XXXX ( Exhibit 3 ). 
-I have provided their response letter for your review ( Exhibit 4 ). *Not only are they reporting a debt that is fraudulent, they are also adding to the amount which they aren't allowed to do. 
-Additionally, ( Exhibit 5 ) is a direct violation of HIPPA . Capital Accounts sent me a document which contains medical information of a minor. Procedures completed and the diagnosis of the procedures. A debt buyer is not to have access to medical files. Companies or Medical provider may not pass on ANY medical records when selling a debt to a debt buyer. This is very illegal. This is what has occurred. 
-I immediately completed a research request form ( Exhibit 6 ), a dispute letter ( Exhibit 7 ), and provided all the documentation ( Exhibit 1,2,3,4 ) that XXXX  has already seen and ignored, as well as email ( Exhibit 8 ) from XXXX  XXXX XXXX back on XX/XX/XXXX and a notification from XXXX dispute results ( Exhibit 9 ) stating they have fully investigated and it was deleted from my credit file. 
I request an investigation by your organization. Numerous laws have been committed and it is all of a debt that is not owed. I request you to please hold Capital Accounts accountable to their illegal credit reporting practices. Please notice that another increase on my credit report has occurred again today, XX/XX/XXXX. Capital Accounts also reports monthly lates/past dues to credit bureaus. They should be held accountable for their criminal, deceptive behavior. I do not owe this debt! 
I thank you very much for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX, Transunion and XXXX regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, XXXX agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, XXXX has failed to follow through on its promise as the accounts still remain. Transunion failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XXXX 2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX
Product: Credit card or prepaid card

My experience with synchrony bank has been a nightmare. In XXXX there was an error that led to an overpayment for my account was made leading to an XXXX return. I corrected this immediately, made the correct payment which went through. A few months later, XXXX of my auto payments was returned in error ( had to do with the money in a different ( savings ) account ). I IMMEDIATELY saw the error and redid my payment, which went through. Unfortunately, XXXX closed my account. I called them and after some time and escalations, they said they would review and see if they can re-open my account. They reinstated my account within a few days. 

After about a month with no issues, I find out that my account was closed a second time! Their response? It was reinstated in " XXXX XXXX. Never mind that I have been a customer with them since 2016 with no late/ returned payments. I called them again, and after over an hour on the phone, they finally told me if I had to get a letter from my bank explaining what happened. I was told explicitly by XXXX of the managers that my account would be reinstated If I provided this letter. I get the letter from my bank and send it to them and wait for another month before I finally call them again. Now they tell me they STILL can not reinstate my account. To top it all off, all my rewards and promotional purchases are gone as well! 

I have wasted hours trying to fight this, to no avail. Talking to agents at synchrony is like talking to a brick wall. The managers are useless ; they will tell you something, then go back on it a week later. Now with my account closed, XXXX is withholding my rewards balance that I earned, stating that it was " forfeited ''. They are refusing to credit my account.
Product: Credit card or prepaid card

I have a Bank Of America Credit Card. I presently have a large negative credit card balance due to XXXX credit refunds totaling {$3900.00} XXXX XXXX airline tickets refunded ) of which I requested a refund on XX/XX/2020 of which the customer service rep stated he would have deposited in my bank account. I was told it takes XXXX to XXXX days to transfer. Today, the refund had still not shown up in my checking account The gentleman I spoke to XXXX XXXX XXXX, Texas XXXX of XXXX XXXX for Bank of America XXXX stated it could take up to XXXX billing cycles to get this refunded. He stated it was policy even though other representatives had told me different. The refunds were issued on XX/XX/2020 by XXXX XXXX. Today with everything being electronic I can understand XXXX to 6 days but not XXXX billing cycles that my money is being held. XXXX CFR XXXX - Treatment of credit balances ; account termination states : ( ( XXXX XXXX Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ). Bank of America received my oral request and accepted that request on XX/XX/2020. They need to deposit my refunds in my bank account as I requested.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


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
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 u.s.c 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 u.s.c. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15u.s.c.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSUNION. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. 

On XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, I submitted dispute letters to TRANSUNION, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. 

To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. 

I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that TRANSUNION will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
Product: Checking or savings account

A couple of years ago I received a message from ARVEST BANK saying my statement was ready, first I ignore it, because I live in XXXX and I have never open an account in XXXX, secondly because I tought could be some fraude to reach my personal info if I click in any link. The Statements keep coming, but there is no contact from the Bank, and the sender was noreply. 
Recently I've reached SEC and the SEC Ombuds ( message attached ) guide me to send a message to you. The other option was reaching the Federal Reserve 's Consumer Help Group, but to open a complaint in their website they request the address and Location of the Bank, but all messages received from Arvest are signed as XXXX XXXX XXXX | XXXX, AR XXXX and I could not identify the place or branche related.

I'm attaching the Arvest message saying my statement is available and the most recent message saying I registered in XXXX through Arvest Bank.
Product: Mortgage

I have a loan with PHH mortgage service. They are refusing to remove my escrow account. i have provided them an appraisal with a value of {$390000.00} I owe approximately {$270000.00}. Which gives me more than 20 % equity in the property. My account number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX fl XXXX. My name is XXXX XXXX my phone number is XXXX and XXXX XXXX
Product: Checking or savings account

Hi There. 
On XX/XX/XXXX Tuesday night I had just received my direct deposit from my job of {$3900.00}. I had only made one purchase via XXXX for XXXX at approximately XXXX XXXX, and that was it. My ending balance on my checking account that night was {$6200.00}. On Wednesday at approximately XXXX I woke up to numerous notifications that my money has been used from my account to purchase items from XXXX for the amount of {$2300.00}, and a {$5000.00} transfer had been made to recipient XXXX. This left my balance at XXXX. My savings account had been cleaned out with a XXXX balance, and my checking account had a balance of {$950.00}. While I was on the phone with chime customer service another charge was attempted to be made in XXXX XXXX in XXXX XXXX  in the amount of {$200.00}. This charge was texted to me for verification and was declined. Another charge was placed in the amount of {$150.00} for a website called XXXX, which I believe is a XXXX XXXX transaction. This transaction was also made on the account while I was on the phone with Chime customer care for over an hour and half, and they neglected to turn off my card when I initially called. This charge would have not been able to go through if the agent was proactive and turned the card off like I requested in the beginning of the call. I also received a notification that my phone number had been changed on my account to ( XXXX ) XXXX which is a XXXX voice number that has never been associated with me. I also received an email stating that my account had been accessed on a new device approximately around XXXX XXXX from a XXXX device in XXXX XXXX. My account was also accessed more than three times from a device in XXXX XXXX, yet again I'm confused why this was not flagged. My pin was also changed in my account, which resulted in me being locked out of my account. I have made XXXX disputes 1. ) XXXX, 2. ) XXXX 3. ) {$150.00}. with chime and the charge of the amount of {$2300.00} was reversed by the merchant but the other charges were determined to be of no error. The dispute ID 's numbers are as follows- XXXX and XXXX. I am beyond frustrated that Chime was able to make a quick determination and will not share how they came to this conclusion, when I have been a victim of crime due to their systematic negligence. I have also realized that a credit builder account was signed up for, which I did not want nor do I need. 

- Please note I have made formal complaints to the Internet Crime Center, and the XXXX XXXX XXXX Please find additional documents attached to this email that will support the following above. Thank you.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that l 've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that l 've found : XXXX XXXX XXXX XXXX XX/XX/year> Please remove these fraudulent inquiries from my credit report. 
I also attached my identity theft report as well.
Product: Consumer Loan

Account with Navy Federal Credit Union. I have asignature loan and also a car note with Navy Federal credit union. I amfiling this complaint because I need help and I truly want to getback on track with NFCU and prevent my car from being repo. Iseparated from the Navy XXXX 2014 due to medical related issues. I hadinsurance on my signature loan and when I separated NFCU stated theinsurance was taken off due to me not signing my promissory note whichwas not correct. After months and months of going backwards andforwards and me doing a XXXX complaint it was discovered by NFCU I didsign the note and they reinstated my insurance. I filled out the claimand was told that the insurance was removed again due to none payment. 
I requested to NFCU that they correct the late days due to it being nofault of my own and was told that was not possible so my loan wentinto default. I was paying my car note every month ( Loans/support fromfamily and friends ) and 90 days ago I went into the NFCU branch andthey refused to take my payment. I called NFCU and was told I mustcontact a third party company to pay the loan. I contacted the thirdparty company and explained my situation and I was told he personallyknew the lead for collections and he would talk to her and help me geteverything back on track. To date no response
Product: Student loan

I was approaching my freshman year of college when I needed to apply for a loan because I did not get enough money from Financial Aid to cover how much my schooling was. My school is approximately {$30000.00} a year. In my parents taxes, it says that they make enough to cover what they did not provide from FAFSA. Unfortunately, my parents do not help pay for my schooling, nor do they have the best credit. 
So on XX/XX/XXXX, my step mother used my dads information to be a cosigner on a loan from XXXX XXXX for {$21000.00}. I did not get approved. 
On XX/XX/XXXX, they tried to apply for another loan but using my grandma as a cosigner this time for the same amount, {$21000.00}. This did not get approved either.

On XX/XX/XXXX, my parents tried again. This time with my grandma in laws information for the same amount, {$21000.00}. This did not get approved.

On XX/XX/XXXX, my parents tried one last time. This time my step mother tried to use her credit information to see if she would get approved for the {$21000.00}. This did not get approved. 
As all of this was going on, I had just turned XXXX and did not know how credit worked. So therefore, i was not aware that trying to get a loan would continuously hurt my credit. I was shocked that my parents never made that aware to me either. 
We finally settled for the first loan we applied for that had an interest rate of 12 %!! 
Now, I am going to be a sophomore in college without another loan being approved. I do not know if it is because of these hard inquiries or if it is because of my parents bad credit. I would like to continue my education so I am sure it would help me a lot if I could get these inquiries removed. 
Thank you so much.
Product: Vehicle loan or lease

a auto loan was opened through capital one without my knowledge in my name for {$26000.00} on XX/XX/2018. i called called capital one and asked for it to be removed from my credit report when i found out about it but they did nothing so i filed a claim with the FTC ref number XXXX and am asking for it to be removed
Product: Debt collection

I was given a notice by attorney XXXX XXXX of XXXX, Michigan on behalf of XXXX XXXX that I allegedly owed a debt on a credit card. Once I received this notice I sent letters three times to attorney XXXX asking that the documentation ( I have attached one example of the letter I sent ) regarding these claims be sent to me. He never responded, instead he filed a lawsuit in the local district court against me on behalf of XXXX XXXX ( also attached ). In addition, in that lawsuit he had me named but asked for a judgment against a different person, whom I know nothing about and never heard of that person. Also, when they posted the lawsuit on my door, they caused damage to the door. During this whole process, they continued to harass me, but yet did not provide any documentation.
Product: Mortgage

Fifth Third sent me a letter saying that my property insurance expired and instructing me to submit proof of insurance. They dated the letter XX/XX/XXXX, which is the actual date that my insurance policy expired and was renewed. My insurance company renews the insurance every year, and their notification specifically states that they will notify the mortgagee if they do not renew the policy. I believe that the insurance company additionally sends notification of renewal to Fifth Third every year, probably on XX/XX/XXXX when they renew it. 

My complaint is that it's inefficient and bothersome for Fifth Third to send me the same letter every year on XX/XX/XXXX, without even giving the insurance company a few days to send in the mortgagee the renewal notification. Additionally, Fifth Third knows that I've renewed the policy every year and that my insurance company can easily provide proof of renewal directly. Third, the insurance company has promised to send Fifth Third notification if I fail to keep insurance in force. Fourth, most mortgage companies have sophisticated communication systems with major insurance companies ( like mine ) and can more efficiently verify insurance by contacting the insurance company. This is often done with direct communication links and doesn't require anything out of the ordinary. Fifth, before Fifth Third became the servicer for this same mortgage, there was a different servicer who did not engage in this wasted effort. 

It is simply a waste of time and effort for everyone for Fifth Third to send the letter to me on the renewal date instead of waiting ten days or so. It wastes my time locating proof of insurance from my insurance company and sending it to Fifth Third. It wastes my insurance company 's time and energy providing the proof of insurance to me even though it was already provided. It wastes Fifth Third 's time in reviewing my proof of insurance this way even though it would be more efficient to do in another way.

Fifth Third 's servicing procedure could easily be changed to wait ten days and then see whether or not my insurance company sent notice. Alternatively Fifth Third could easily contact my insurance company or safely rely on the insurance company 's agreement to notify them if the insurance policy does not renew.

Instead, Fifth Third sends me a threatening letter indicating that they will buy insurance on the property unless I provide proof of insurance immediately. This is just not a reasonable use of everyone 's resources. Also, the threatening letter is unnecessarily harsh and demanding, particularly since they don't even wait ONE day after renewal to allow time to receive proof of insurance.
Product: Credit reporting or other personal consumer reports

hello I am reaching out for the cause of a Dispute of Inaccurate Credit Report Items with XXXX, Experian, and XXXX. I am writing to formally dispute XXXX items on my credit report, specifically XXXX XXXX and XXXX. While searching for a home for my family, I discovered that these items were inaccurately verified. Despite never having a contract with XXXX XXXX, and XXXX 's statement that they do not own the account, they continue to report to the credit bureaus. The credit bureaus ' investigation, completed in under XXXX hours, failed to provide the investigation process or proof of contract with a wet signature, as requested. however, XXXX XXXX did remove credit elections! I kindly request that these items be removed immediately, as their inaccuracy is hindering my ability to provide a safe shelter for my family. I have attached relevant documentation. Thank you for your prompt attention to this matter. Please do not hesitate to contact me at XXXX if you require further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a letter to Experian That I was awarded within arbitration from the creditor of inaccurate information to account. Attached is a copy of dispute request sent to Experian along with Court document of awarded arbitration settlement. I received report back from Experian who in turn did not follow the agreed terms of settlement arbitration and per request has not deleted inaccurate information on my credit report with them. I advise by Experain that they attempted to investigate with creditor and or third party source which no evidence was found by either creditor or third party. Experian attached letter has requested me to reach out to creditor which not contact is available. Hence, reason of attached awarded arbitration settlement. I have requested that any and all items for such creditor be removed from my credit report.