23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Med Credit took an unauthorized transaction payment from my debit card on XX/XX/19 for an amount of {$370.00} to XXXX XXXX XXXX I contacted my Bank- XXXX and told them that I did not authorize the transaction and the fraud department and myself called the Hospital where we were told that the hospital did not take out the payment, that this was done b y Med Credit and we would have to contact them for more information. When we called Med Credit they didn't provide any information either and said w would have to contact the hospital. no-one we spoke with could provide a transaction receipt or anything else related to the charge. I didn't receive a bill from the hospital for this amount and I never received anything from Med Credit. I have been the victim of Fraud and I would like to take action against XXXX XXXX, Med Credit, and XXXX Doctors hospital. XXXX did not refund the transaction amount and no-one contacted me about the case decision and I had to find out through my online portal that they were denying me a refund. I submitted for them to re open my account and they denied that too. They didn't even offer to suspend my account or send me another debit card to protect me and my funds until I asked them too
Product: Checking or savings account

I sent XXXX payments through XXXX to someone using the money my employer sent me. Then I received a phone call from a woman who claimed to be from the State. She asked my who I sent the money to and then asked me to send her the remaining. I didnt. Then boa closed my account and claimed thats its just business reason.
Product: Credit reporting or other personal consumer reports

The FCRA requires ChexSystems to respond to disputes within 30 days of receiving the dispute letters for customers outside of Maine. After receiving a response from a previous dispute, I resubmitted a dispute on the XXXX of XX/XX/2023 and even received a confirmation letter telling me that the dispute has been received and is under investigation. However, ChexSystems did not respond to my dispute even after 41 days. I had to call and request for an update only to be told that the dispute was deemed invalid. I did not receive any correspondence from ChexSystems informing me about the validity of my dispute letter. It's only after the call that ChexSystems sent me a correspondence about the dispute submitted XXXX days ago. Therefore, I request that the information disputed be removed from my report according to the Fair Credit Reporting Act for failure to respond within the lawful timeframe required. 15 U.S.C. 1681s-2 Please remove XXXX XXXX  XXXX and XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Items on my report is marked as late or in collections or never paid
Product: Checking or savings account

Bank of America XXXX XXXX XXXX is managed by two people who have multiple job labels and run this whole company which revenues {$900000.00} there are two systems that bank of America have XXXX is the claims system and the other is the fraud system there are transactions on the fraud system that are from this XXXX  XXXX XXXX located in XXXX XXXX that has been rerouting my claims and my funds for a couple years. The claims department can't see these because they are recurring charges and they automatically gothru and are deducted from my account once there is money deposited in my account. I know that there is something going on because the people at the bank XXXX like they are helping me and I leave without any understanding for why this is happening to me and they try to make me feel like XXXX XXXX  owe me {$60000.00}
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 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 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 XXXXXXXX XXXXXX/XX/XXXX
Product: Credit reporting 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 USC 1681. 

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 and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

United Consumers engages in harassing tactics to collect debt that has been paid. They have robe called my home repeatedly and when I press 2 to talk to a representative the call is dropped. XXXX I reached XXXX XXXX, who refused to contact the medical provider verify the debt, which was already paid a while ago. XXXX XXXX insisted that I had to prove to her that I paid the debt or the harassing calls would continue.
Product: Debt collection

On XX/XX/XXXX, my debit card was hacked and i had to change banks. My automatic payment to XXXX XXXX was stopped due to my bank account closed. I have lived outside the US since XXXX. 

On my credit report, XXXX XXXX  and then Portfolio recovery reported the same debt at the same time. But Portfolio recovery aged the information date on my report. My last payment date was XX/XX/XXXX as shown in the attachments. Portfolio recovery is showing it as XX/XX/XXXX in order to attempt to collect. XXXX XXXX  original negative report has since dropped off my credit history but PRA remained to be able to continue harrassing and rudely calling to collect. I notified their agent about the mistake on their reporting and they told me that i was wrong, even though i had proof. I triedt to dispute with the 3 credit agencies and was rejected. I have sent emails and proof to Portfolio recovery and they never responded to any of my emails. When their rude agents call for payment, i notify them and they rudely speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX Paypalcredit Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/paypalcredit  XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017
Product: Checking or savings account

I called into  the PNC  call center about an overdraft fee. I was sent to the escalation department. I spoke to  XXXX   XXXX  she was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded irregardless of who I spoke to ''. Then she placed a follow co worker on the phone that she was friendly with. She (  XXXX   ) pr etty much determined the outcome before  XXXX   XXXX   ( su pervisor ) took the call. She came on the call well versed on and about my inability to get the refund. She was speaking aggressively to me and refused me the opportunity of speaking to another supervisor that she was not friends with. I feel the refund was due because of a bank error. I had several deposits come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account.
Product: Mortgage

My name is XXXX XXXX and I am XXXX years old and have a mortgage that is in foreclosure going up for sale in XXXX 2015. I have had my mortgage for eight years and my principal balance is {$220000.00} and my home is only worth now estimate {$120000.00}. My mortgage payment is {$1700.00} per month and I have suffered a lost in income since that time. I have been trying to work with my lender Wells Fargo to reduce my mortgage payment to a monthly payment I can afford to avoid loosing my property. Since that time my husband has passed and the income I was receiving at the time I purchase my home has decreased. I have paid already {$190000.00} towards ownership and I still owe {$220000.00} on my property that is only worth {$120000.00}. I have tried working with the lender to avoid foreclosure and to faithfully start making mortgage payments again to avoid loosing my property and have not come to a resolution to saving my home. My loan is a conventional loan with PMI Mortgage Insurance. Please assist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am writing to formally dispute the reporting of a charge-off listed on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). This dispute is being submitted in light of the recent CFPB v. XXXX case, which found that XXXX failed to properly investigate and correct errors in credit reports, particularly regarding charge-offs and other negative entries. 

Details of the Disputed Charge-Off : Creditor Name : XXXX XXXX Account XXXX XXXX XXXX Balance : {$5000.00} Creditor Name : XXXX Account Number : XXXX Balance : {$4400.00} According to the findings in CFPB XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ) alleged that XXXX had systematically violated the FCRA by failing to thoroughly investigate disputes and by continuing to report inaccurate information about consumer accounts. Specifically, XXXX was accused of not fully verifying the accuracy of negative items like charge-offs, even after they were disputed by consumers. This case is directly relevant to my current situation, as I believe this charge-off is inaccurate, and XXXX has not conducted a sufficient investigation to resolve the matter. 

In light of the ruling, I am requesting that XXXX : Conduct a full and fair investigation of the charge-off in question and verify its accuracy with the original creditor and send me a copy of a contract with my wet ink signature and account information with full payment history. 

Remove or correct the charge-off entry if found to be inaccurate or improperly reported, in compliance with the requirements of the FCRA. 
Provide me with written confirmation that the charge-off has been investigated, and if applicable, an updated credit report reflecting the necessary corrections. 

The CFPB v. XXXX case highlights the importance of credit reporting agencies adhering to their legal obligations to ensure that all information they report is accurate, complete, and verifiable. Given this, I expect XXXX to fully comply with the regulations and rectify this charge-off on my credit report if it is found to be inaccurate. 

I would appreciate your prompt attention to this matter and a timely resolution. Should this issue not be addressed satisfactorily, I will not hesitate to file further complaints with the CFPB or take additional legal steps. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 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 seven years.

15 U.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, credit repair services, or other personal consumer reports

US bank is reporting inaccurate information on my credit report and is defaming my character byu publishing inconsistent inaccurate credit information on me. 

For example ; I paid my mortgage balance off yet its still reporting as open til XX/XX/XXXX. 
This account also reports that I paid 60 days late in XXXX of XXXX on my XXXX and XXXX report but they marked me as current with XXXX. 

They have inconsistent dates of which my account opened on my XXXX credit report they say that I opened my account on XX/XX/XXXX and on XXXX  and XXXX they say that my account was opened on XX/XX/XXXX. Which begs the question of how my account could've possible have been late. As the account had different account open report dates between bureaus. 

Additionally between XX/XX/XXXX thru XX/XX/XXXX I see an account on my XXXX report that went from reporting current to 60 days late. without ever first being 30 days late. 

Moreover my account status reports as closed on XXXX whereas it reports as paid account on the other 2 bureaus. 

This creditor reported my terms as 444 months on XXXX then report ed my term as 0 months with the other credit bureaus
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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. 


Equifax 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, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STATE OF XXXX DEPT OF AT Child Support XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX STATE OF XXXX  OFFICE CHI XXXX {$3200.00} XX/XX/XXXX STATE OF XXXX  OFFICE CHI XXXX {$45000.00} XX/XX/XXXX XXXX XXXXXXXX {$5100.00} XX/XX/XXXX STATE OF XXXX OFFICE CHI XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.on. for 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 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 seven years.

15 U.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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

Discharge/delete creditor 1803 Capital ( XX/XX/2020 ) {$9700.00} HIGHEST BALANCE AND NOW REPORTING {$0.00} BALANCE. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : FCRA/UCC law , this item must be deleted, or we will pursue civil action.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( TransUnion ) XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Past Due Amount : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am making this complaint to get false negative items removed from my credit report by the XXXX credit bureaus ; XXXX, XXXX, XXXX. During the month of XX/XX/2019 and XX/XX/2019, On my credit report there were delinquent late payments recorded on my credit report from XXXX XXXX. I have contacted each of the XXXX main credit bureaus with no response from either company. I need these negative items removed from my report immediately. Also, I had contacted XXXX XXXX  to remove these false negative items from my report. Recently they had contacted me back stating they would contact the credit bureaus to remove these from my reports. Although, I have not heard from them ever since then. Can you please aid me with this and contact XXXX, XXXX, and XXXX to remove this from my account? Attached now is the letter from XXXX XXXX  stating that they would remove these negative items. Can you please contact them and have these removed. Thank you, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX I borrowed money from the XXXX XXXX as a last resort to help a family member with legal debt. I am XXXX and on a fixed-income, so I was really motivated to pay this debt and have it behind me. I made a few payments late ( only by XXXX to 3 days ). When I noticed that the balance wasn't going down after paying on it for almost a year, I was then told that the loan had no grace period and that because of the late payments the loan was regenerated because they are pawn loans and expected to be paid off in 30 days. This is the most absurd thing that I have ever heard of. HOW am I expected to pay off a loan for that amount in 30 days?! I feel like I've been taken advantage of. I never would have borrowed the money under those conditions. I really need help. I need someone to advocate for me. I want to pay off ONLY what I Originally agreed to and move on. This unfair practice should not be allowed. It's extremely predatory!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new credit card at XXXX XXXX Bank and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the 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

To Whom It May Concern, While checking my most recent Transunion and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately TRANSUNION and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.