23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX work at XXXX XXXX of XXXX in XXXX 2014. I paid my part in full before the procedure. They failed to do the insurance paperwork and they kept sending me bills for the part covered by insurance. I contacted them and the apologized and gave some excuses about the issue ( which I do n't think was the case ). 

After a while I received a letter from Debt Collector. 
I contacted debt collection agency and the dentist office to resolve the issue but it did n't work. I contacted the insurance company and took care of the issue myself and had them send the doctor the check. 
Insurance company record shows that the doctor has cashed the check. After receiving calls from debt collector I contacted the doctor again and doctor 's secretary apologized for the problem affirming I never have outstanding balance. ( all email correspondence attached XXXX But the debt collection agency keeps calling me and they say their client XXXX dentist ) says they have never received any payment, and they continue their harassment after a year.
Product: Checking or savings account

My account was hacked. I was told that the account had to remain open for the investigation and no money will be able to be taken out. Somehow the hackers was able to take out {$6800.00} and the account was overdrawn. Two direct deposits was made into the account for {$2500.00} and the bank is saying that because they wasnt able to get the {$6800.00} taken out of an account the told me was restricted I was being held liable.
Product: Checking or savings account

Penfed Credit Union has a provision for XXXX XXXX that they give XXXX day interest for a fixed rate certificate under Compounding and Crediting. Penfed Credit Union is not adhering to their disclosure but is taking interest from the monthly dividends starting in XX/XX/year> because of XXXX XXXX. They are shorting customers interest monthly for the year whatever amount they decide and the customer service and chairman 's office have been notified. It could be a vender not updating for XXXX XXXX but no offer to rectify them scamming customers out of interest has been provided and they say they will continue to take the interest from certificate dividends. This interest theft from customers has to be stopped and held accountable.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Well I keep disputing it online and then it gets takin off my credit report then they put it back on my credit report saying new account open and it was sold to a new creditor which is illegal Commonwealth Financial opened XX/XX/2019 the last time they put it on my report it said XXXX of 2019 amount of {$1300.00}
Product: Credit card or prepaid card

In XXXX of 2013, I applied for my first credit card - as a XXXX XXXX with no credit history my options were limited. Many of my older family and friends noted Capital One would be a great place to start with a secure card and then graduate my account. It is six years later - Capital One has now paused their secured card graduation program and a few years ago they began to charge me an annual membership fee so not only do they have my deposit but they also charge me for an account that has my money secured with it. To top it off, for the same card that I have Capital One Platinum - Secured Mastercard they arent charging an annual fee for new card holders. I have always paid on time and have great credit. The only reason I keep this account open is ironic - it is my oldest credit card - if I close it then my credit would take a hit. I understand theyve paused their secure card graduation program and that they cant upgrade this card and return me my deposit but it is insanely criminal that I have to pay them annual membership fee especially when they wont hold their original contract and that new card members dont have the same experience is unfair as well - it is unjust unfair, immoral and just wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : 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

CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX, XXXX, TransUnion
Product: Debt collection

A company called for a relative and refused to say anything about their business besides they were Capio. The line they called on was recorded and even though I asked them 4 or 5 times what type of business they were they only would say they were Capio. When I continued to insist who they were they rudely hung up on me. I called back and theyre Capio Partners , LLC but would not identify themselves as the type of business ... just that they help businesses. I looked on the internet and they are a collection agency specializing in health care. It is illegal to call and not identify themselves as a collection agency ... .I asked many times and it was on a recorded line from a caller within the State of Wisconsin so the recording is legitimate. I would like to find out to have them prosecuted for using illegal tactics.
Product: Credit card

I made a payment, which didn't go through, despite have more than enough money in my account. Now they want me to pay a fee for the payment return. I also lost the ability to make online payments again.
Product: Debt collection

In XX/XX/XXXX, I hired XXXX, to assist my cleaning service with payroll processing, and workman comp insurance. I spoke with XXXX concerning the finished work and no longer needed workman comp insurance, because the initiated the connection, between XXXX XXXX XXXX and myself, or XXXX XXXX XXXX XXXX, which I am owner. The continued harassment about an audit, which was not supposed to take place, without my consent was taken. The phone calls started XX/XX/XXXX. Thereafter, the continued calling me two, to three times a week has to stop. XXXX only processed one payroll for XXXX XXXX XXXX XXXX XXXX, and sent another payroll, which I did not receive, until I came to my home office, which was about XXXX XXXX  on XX/XX/XXXX, and at that time I only had two people working. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has called me too many times. XXXX XXXX called, me today and told me to stop talking over her and I was unprofessional, because I do owe them for seven payrolls, which they had to commit to an Audit. I hung up, came, to my computer, and announced one again, which I had done several time, and told her I was filing a complaint against them, and she said, I will not call you any more, and I told her, I have told you several times to stop contacting me, but she continued. The constant contacting me, and harassment has caused me great anguish, and the continuing calling XXXX and XXXX, has cause me a mental break, " I only had two payroll processed, because the job only lasted two weeks ; '' " It was a final cleaning contract. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer and natural person I'm writing this complaint as a victim of identity theft. Experian and XXXX has used and furnished my consumer report without my personal authorization, or written consent. Experian and XXXX shared my nonpublic person information to other companies. I have a right to privacy and Experian and XXXX has violated my rights by not exercising their grave responsibility to protect my non personal information with fairness, impartiality. and respect to my consumer rights to privacy. Experian and XXXX are in direct violation of the Gramm Leach Bliley Act of 1999, and the FCRA. pursuit to 15 U.S Code 1681c-2 Block of information resulting from identity theft. I demand these fraudulent accounts be removed from my credit report with in the next 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Product: Credit card or prepaid card

Upon upon doing research, it appears that I may have in fact had a past relationship with Fifth Third Bank a few years ago. 
I believe I may have had a past credit card account ( ending in XXXX ) with Fifth third bank a few years ago, then another credit account ( ending in XXXX ) was later opened. Im not sure how. Thousands of dollars have been charged on 1 or both of these accounts. Me and my brother have tried to refer both accounts to the Debt consolidation program ( XXXX ) in which I was advised that they ( XXXX ) would not be able to add the latter. 
I am attaching a screenshot below. 

I believe 1 or both accounts was opened by fifth third bank without my authorization. 
I would like a refund for both cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my FTC report and the account still appears on my report
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw that accounts are still reporting that should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. On XXXX XXXX XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX, I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. On XXXX XXXX XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. On XXXX XXXX XXXX XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two, basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.
Product: Credit card or prepaid card

AFFIRM INCXXXX XXXX violated my consumer rights. AFFIRM INCXXXX XXXX XXXX XXXX cease and desist via certified mail and signed the green return receipt proving they received it on XX/XX/2022. I have attached a copy of the certified mail receipt and a copy of the signed green return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX is allowing credit card companies who pull back on credit limits ( even when the credit has been managed without ANY derogatory action of the borrower ) to have a detrimental impact on a persons credit score by making it appear that the credit card account is closer to the limit than it would be had the company not arbitrarily lowered it. This is happening to people without any changes to their income, their employment and absolutely regardless of YEARS excellent payment histories. I believe this to be a violation of the XXXX XXXX Modernization Act of 2010. As the lender is lowering the initial limits ( many times without any advance notification to the borrowers ) causing the borrower to APPEAR closer to their credit limits than they actually should be. 
It makes them appear riskier AND can also set off an avalanche effect as other lenders most often follow suit. It causes the GOOD and legitimate borrowers credit scores to plummet, UNFAIRLY COSTING THEM MORE TO SECURE CREDIT ( if they can ). This is absolutely a XXXX violation and should be stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX22 I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes have been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.
Product: Debt collection

Hello my name is XXXX XXXX XXXX XXXX I have contact XXXX XXXX XXXX on more than XXXX occasion to inform them that I did not open this account in their system and on my credit reports., nor authorize anybody to. They informed me several times they could not do anything because my name didnt match with their name on file and address however it is UNDER MY SOCIAL. Which is a product of identity theft. I have ssigned XXXX contacts for this company. I have never opened any account or signed any contracts with this company. They say that the name stated XXXX XXXX and a Arkansas address which they then told me they sold it to LVNV funding AFTER I made them aware of the situation and I have tried to contact LVNV funding and again nobody can confirm anything because of the swapping of info to link to my social. I have multiple fraudulent accounts on my credit report in which I am facing the same issue. I have not lived in Arkansas since I graduated high school XXXX  years ago and enlisted in the XXXX. Please remove me out your system and remove from all XXXX of my credit reports as this account is FRAUDULENT and the prior company already knew this prior to selling then. And have now informed me they instructed the credit bureaus to remove the information. However they have sold the fraudulent account to another creditor. This is causing me an issue getting my military promotion and my housing. I have spoke with my lead in the XXXX and have been advised how to go about this before they get involved and hire an attorney for me. XXXX XXXX XXXX  has sent me a letter shifting the blame over to LVNV funding and releasing themselves from responsibility of this situation.

So now I am letting LVNV know through official communication with CFPB as a liason. Remove me out your system and any credit report information.
Product: Debt collection

I NEVER HEARD OF/FROM THE CURRENT COLLECTIONS AGENCY ( U.S. ASSET MANAGEMENT INC. ) FOR XXXX UNTIL AFTER XX/XX/2022, WHEN I HAD SENT A DISPUTE TO CREDIT BUREAUS CONCERNING MY LESS-THAN-GOLD-PLATED CREDIT SCORE. THE COLLECTIONS AGENCY SEEMED UNMINDFUL OF THE POINT THAT I MADE ABOUT THE REPEATED LY FAILED ATTEMPTS BY XXXX TO CORRECT MY PHONE SERVICE PROBLEMS AND THE CONCERN FOR " JUSTICE AND FAIRNESS IN BILLING '' TO FAITHFUL CUSTOMERS WHO HAVE RECEIVED CONTINUALLY FLAWED SERVICE OVER AN EXTENDED PERIOD OF TIME.
Product: Debt collection

Was double billed by XXXX for XXXX when I ask to see results of the XXXX was ignored eventually the sent it to collection agency that also ignored repeated requests to see results from this test to prove it was a different XXXX not double billed ignored and place on my credit report
Product: Mortgage

I received a letter from Wells Fargo dated XX/XX/XXXX stating that " You XXXX be at risk of foreclosure. Please read the following notice carefully. '' " As of XX/XX/XXXX your home load is 54 days and {$1700.00} dollars in default XXXX New York XXXX XXXX, we are required to send you this notice and inform you that you are at risk of losing your home. '' I contacted Wells Fargo customer service on XX/XX/XXXX immediately after receiving the letter at my home. It was at this time that several Wells Fargo representatives claimed that they have not received any automatic payment from me since XX/XX/XXXX. I have been enrolled in automatic payment for over XXXX years and have never missed a payment. The agents then started pressuring me to pay {$2500.00} to not incur any additional charges but I am still liable for the late fees and any adverse consequences of Wells Fargo listing delinquent payments on my account. The individuals that I dealt with were XXXX and XXXX. I submitted an online payment to Wells Fargo on that same day for my monthly mortgage amount of {$850.00} and filed an escalation case with Wells Fargo. Today I received a call XX/XX/XXXX - XXXX received a call from XXXX - from the XXXX office - at Wells Fargo claiming " I have good news. They received my XXXX payment but my XXXX payment was still outstanding. '' I asked her about waiving the late fees that I was wrongfully charged and I want any credit blemishes to be corrected because I feel there was an error on their end and they also never contacted me prior to the letter I mentioned above. 

I reviewed my banking statements with Wells Fargo on the phone and not all transactions matched. My checking account actually shows Wells Fargo providing me a credit in the month of XXXX- when that is alleged the month that my auto payments stopped. 

I would like to report them of fraud and falsely providing financial services than causing me hardships on my credit report, excessive " catch up '' payments and additional interest. 

Please contact me for any additional questions.
Product: Credit card or prepaid card

My Chase card was double charged for {$10000.00} USD by the XXXX XXXX in XXXX on a XXXX stay for 6 rooms and the Hotel had already charged my XXXX XXXX Credit card. I paid the XXXX XXXX card and immediately notified Chase of the error in XX/XX/2022. I sent Chase documentation to show XXXX XXXX was already paid and also sent them the email from the hotel GM and Finance manager saying they would issue a credit to Chase, which they have not done yet. I have called Chase every month since as they have " investigated '' the issue and each time the representative would ask me for additional documentation which I would fax or upload within 24 hours. Chase would send form letters that I received about three weeks later which would prompt me to call them again. 

Chase has just informed me that although they see XXXX XXXX was paid, there is nothing they can do because it took so long for them to resolve and they want me to pay them too. I told them the reason it took so long is because of them taking 5 months, not me as I gave them whatever info they asked for within 24 hours. I have copies of all the documentation I sent them. 

Today, 6 months later, Chase is telling me I need to pay them and get the money back from the Hotel. I explained that I am in the middle of the transaction and that's their responsibility not mine as I don't know if in fact the hotel hasn't already credited them back. They threatened to put me in collection if I didn't pay them and ruin my XXXX credit score and I made them aware I sue them for damages besides getting this this to every consumer protection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just thinking of the days, weeks and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Experian. I already contacted the furnisher and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX