23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A {$600.00} medical bill for treatment of my wife, not me, was sent to collection. The only way I found out about it was when I did the free annual credit report. I told the debt collector that it was not for me, they said the medical service provider chases the insured name and not the person who signs the form at the doctors office. My sister happens to manage a medical office and she verified that the service providers XXXX the insurance that was used, and not the person who signs the form accepting responsibility. What is the point of having a patient sign that form if they doctor chases the insurance? The system is horrible and biased in favor of the insurance/doctor/bill collector. If any one of them had sent me a certified letter explaining the facts I surely would have resolved this MINOR ISSUE. The law should REQUIRE at least certified mail before an allegedly unpaid bill tarnishes a person 's credit score. I had perfect credit all of my life until this unwarranted, unfair, and uncalled for blemish marred my credit score. My reputation has been slandered by the doctor 's office, the insurance, and the bill collector, and they walk away scott free. It is way too easy for them to throw out claims without any substantiation. They ought to be ashamed of themselves, especially for the bill collectors who are bottom feeders and bullies anyway! I know that N.Y. has recently made some slight improvements regarding medical bills. That 's great, but what does that bill become when sent to a collection firm? The federal government must do what states can not or will not do. 
This happened several years ago, so my letter is more of a cautionary tale, than any request for assistance. On the other hand, if there is any action I can take now I would be very interested in learning what that might be. Thank you. God knows we need all the help we can get to fight against the many unethical, though maybe legal, practices exercised by firms today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert from Experian credit bureau telling me that my score has dropped by twenty points - from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. Upon inquiry with experian I was told by two representatives that it was due to a late payment reported almost seven years ago. Another representative told me it was due to inactivity for the past three months on my two open credit cards. This of course is not true since these cards are used on a daily basis for everyday purchases. I pointed out to the representative that I have not had any adverse report from the other two agencies ; in fact I have very high scores of XXXX and XXXX with XXXX  and XXXX respectively. The representative went on to tell me that there was nothing that could be done about it. I asked to speak to a supervisor who also reiterated that I can not dispute a credit score. 

I find it arbitrary and unfair that a consumer can be treated in such a fashion. This is a company that wields a lot of power over consumers and has the ability to affect a consumers daily life negatively! I truly hope I can have some recourse.
Product: Credit reporting or other personal consumer reports

I submitted a dispute in regard to completeness and accuracy of an account on my credit report. They failed to conduct a reasonable investigation. I have to realize the information is still inaccurate and reporting on my report. This has caused high levels of stress and has directly caused XXXX and anguish in my life.
Product: Debt collection

Transworld Systems has continued to willfully report inaccurate information of an alleged debt after being notified several times via certified mail. I have attached the debt validation letters, inaccurate reporting, and certified mail receipt. 
This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and Transworld Systems which is not true. I have never had a contract with this debt collection company. 

There is a past due balance showing on this alleged collection account as well. A past due balance cant be shown for an account there was never any payments made to nor a valid contract this is a violation of the FCRA willing reporting invalid and inaccurate information. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

The previous CFPB complaint is attached indicates that they may not have sufficient time to complete an investigation of the alleged accuracy. According to the FCRA if the 3rd party debt collector stated there has NOT been Sufficient time to complete an investigation the third party debt collector shall immediately change the items in the relevant file as requested by the individual. I requested for this alleged debt to be removed and deleted from all three credit bureaus and for it to be REMOVED from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, Law Firm Cravath , XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
Product: Credit reporting or other personal consumer reports

I saw a copy of my credit report and noticed that i had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I XXXX XXXX the consumer and natural person am seeking remedy from Allegiant Capital Recovery. They are in violation of Federal Law they violated FDCPA Laws, On XX/XX/2021 at XXXX I received a text message from Allegiant Capital Recovery which is a violation of the FDCPA. They did not have prior consent to contact I XXXX XXXX the consumer, natural person which violates 15 USC 1692c ( a ) It was an extremely inconvenient time when I received this text. That violates 15 USC 1692c ( a ) ( 1 ) The message in Exhibit A states if you pay you balance today! 
The us of! was The use of obscene or profane language which is to abuse to me the reader 15 USC 1692d ( 2 ) The message in Exhibit A states We are offering you a 50 % reduction Which indicates The advertisement for sale of any debt to coerce payment of the debt. Violation of 15 USC 1692d ( 4 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$10000.00} Please investigate this matter and help me from further harassment. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Product: Debt collection

The above referenced debt is being reported in error and inaccurately on my credit report. 

The account does not belong to me and this has been confirmed in writing by Commonwealth Financial/Northeast Credit & Collection. Please refer to the attached CFPB Complaint showing that this debt is for a minor and does not belong to me. It is worth noting that I am not the custodial parent or guardian of any child whom could have acquired this debt.
Product: Mortgage

We had a home loan with Freedom Mortgage. We sold the house and it closed on XX/XX/XXXX. Freedom Mortgage has not returned our escrow money to us yet. It is over {$3000.00}. I have spoke with several people at the company and am promised each time that it will be sent the next day. It is now XX/XX/XXXX and I have not seen this money. This experience with them is just one more bad experience with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate/delete the unverifiable item below XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Select Portfolio Servicing continues to violate my Fair Debt Collection Practice Act by submitting false information to Credit Reporting Agencies. SPS has not removed false degoratory comments on my credit report. These wrongful comments have adversely affected my credit worthiness and hampered my chances of acquiring new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX Wells Fargo added a false charge of {$2100.00} onto my credit card account. They claimed it was a balance transfer because I cancelled my credit card for that account but the balance they claim was transferred is not money I ever owed. 
I already had a balance on my account of {$5000.00} for charges I made and the only reason I cancelled my Wells Fargo credit card was because of fraud and I ordered a new credit card and then Wells Fargo added a {$2100.00} extra charge onto my account and I dont even understand where that charge came from and it is not money that I owe. I called Wells Fargo and asked them to go through all of my charges with me on the phone and to tell me where the extra {$2100.00} charge came from and they couldnt even explain it to me. They just repeatedly said it was a balance transfer from the credit card you had replaced. Which makes absolutely zero sense because I have replaced my Wells Fargo credit card many times this past year due to fraud and I never had a random charge on my same credit card statement called balance transfer. 
I have added up every charge on my statement and all of the payments I have made in the past few months and this bogus {$2100.00} balance transfer charge is fake and Wells Fargo can not explain to me where that charge even came from. 

Here are all of the payments I have made on my Wells Fargo credit card balance since XX/XX/XXXX when I had a XXXX balance on the credit card. 
XX/XX/XXXX - {$2800.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$2100.00} XX/XX/XXXX - {$100.00} Since the time my balance was at {$0.00} on my credit card statement, if you add up all of my charges and then subtract the payments I have made on my credit card, this balance transfer charge of {$2100.00} came out of now where and is fake and Wells Fargo is trying to steal money from me with a bogus charge.
Product: Credit card or prepaid card

Capital One has been made aware that their has been fraudulent activity using my Social Security Number and name. Someone added an authorized user on my account with a separate card sent to them at a different address. Requested that the accounts be closed. Two months  later I receive a request for copies of my drivers license and social security card in order to open a new account. Someone had placed a hold on my mail around this time, contacted them and said that I had not applied for a card and to close any accounts. They said it would be taken care of, a couple days later I received a notice stating my new card was sent and I should have received it by now. Called again and the first person said there was an account open and connected me to their supervisor who stated that all accounts were closed. Called again today because I saw that a letter from them was supposed to have arrived today and had not. Apparently another account was opened in my name, what am I supposed to do? My credit reports are locked at two of the  reporting agencies yet they keep opening accounts?
Product: Debt collection

In XX/XX/XXXX I pulled all 3 credit reports. I noticed The Best Service Company account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The Best Service Company. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get this account off of my EQUIFAX credit report as it was removed from my XXXX  report. The account is fraudulent and is on my report unlawfully by the third party creditor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received any documentation from this company to this date stating that there's a debt owed to them. The account listed above is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I opened an HSBC master card account and did a balance transfer online from another credit card to this card. As soon as the balance transfer was complete HSBC charged me a 4 % balance transfer fee that amounted to {$190.00} I had no idea I was goin to be charged. 
When I complained they said that the fee is disclosed! I can assure you if I knew there was 4 % fee I would never have done this transaction and I told them if the fee is disclosed it is definitely not in plain site it is definitely hidden and not in plain site at all! 
They said they would credit the fee back as one time courtesy that was on XX/XX/2019 it is now XX/XX/XXXX and the fee is still not credited back. I have called 5 times since and they keep telling me ... tomorrow then Tuesday then Friday then on Friday they say by the end of the business day and they will call me back or a supervisor will call me back and that never happens. I think HSBC is a very dishonest company and how they are handling this is absolutely outrageous! I want my fee back and then I am closing this account.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someonemade a purchase on my account without my consent i had also created a police report for this incident chargeback XXXX date : XX/XX/2021 Merchant name : XXXX XXXX Disputed amount : {$2200.00}. I have a police report I attempted to submit it last time and then was told that there was no additional evidence provided so I would like to have a follow up call and get a personal email that I can personally send the email to and they can personally verify that they have received the evidence while on the phone with me and resolve this issue. I have filed a police report as well on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, # XXXX, and # XXXX, has violated my rights. The Account names are XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit report account under an open end consumer report plan as late for any purpose.