23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

a medical bill was added to my credit report for my daughter b y Receivable Management .... ive s poken with them several times and was told to send the insurance info for that time of service ... I did so months ago and it still shows on report ... called today and was told that since it was so long ago that im still responsible for the debt ... I infrm that its not my fault that the medical office fail to report the claim and of course the medical office is no longer in business
Product: Credit reporting or other personal consumer reports

My credit history dropped XXXX points over XXXX payments on XXXX credit card wich I paid letter
Product: Money transfer, virtual currency, or money service

During the course of my divorce, the proceeds from the sale of the house and other property went into a Wells Fargo escrow account in XXXX XXXX, Colorado, belonging to my husband 's attorney, XXXX XXXX. The divorce was final on XX/XX/2022 and on XX/XX/XXXX, XXXX XXXX believed he received an email and phone call from me asking that the funds be sent to me in XXXX XXXX. I was not in XXXX XXXX ; I have XXXX jobs in XXXX that are particularly busy in XXXX. However, XXXX XXXX went to Wells Fargo at XXXX XXXX, XXXX, CO and asked a banker, XXXX XXXX XXXX XXXX to wire the funds to me in XXXX XXXX. Which she did. I believe this is misconduct on XXXX fronts : First, XXXX XXXX  reportedly did not ask the protocol questions, XXXX ) Are you convinced this is a safe transfer ; XXXX ) Have you wired money to this person before? XXXX ) Are you aware the transfer has to be checked with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) as well as the Wells Fargo wire department? The correct answers would be XXXX ) No, XXXX ) No, and XXXX ) Fine. Second, what did the wire department do? If Wells Fargo had done due diligence, there is no way the money would have been transferred. I have had no assistance from XXXX XXXX or the bank to recover this money which was my life savings. After XXXX weeks, it is still gone.
Product: Debt collection

I paid in the accounts with conns credit on time, in fact I paid the account in full prior to the maturation date. The have reported my account 30 days late and it is affecting my score. I am also receiving credit approval letters asking me to reopen my account due to my excellent payment history.
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it. 

XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Consumer Social Security Number :, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. The company agreed to remove the account but XXXX, XXXX and Equifax still has not removed. I have attached the letter.
Product: Checking or savings account

My problem has to do with customer treatment at Chase Bank branches. I have good reason to suspect that I am often profiled and treated with more suspicion than other Chase Bank customers by Chase employees and Chase security guards, especially by the security guards. When I am in any part of a Chase branch conducting business, the security guards pay more attention to me, even when many other patrons are present, sometimes even coming out from a room when I enter the branch. This has been ongoing for many years or decades but became worse in XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) as my client has identified inaccurate, unverifiable, or outdated information on their credit report. The credit reporting bureau has requested a Power of Attorney ( POA ) as a prerequisite to processing the dispute. As the authorized representative for my client, I am attaching the required POA documentation to ensure compliance with their request. However, under the FCRA, credit reporting agencies are obligated to conduct reasonable investigations and can not impose unreasonable barriers, such as additional documentation, to dispute investigations ( 611 of the FCRA, 15 U.S.C. 1681i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My latest letter was sent on XXXX where I asked to correct my name to include XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company lied to me told me they would remove my late payments on my credit report if I caught my payments up they still reported 6 late payments too all 3 creditors and its hurting my score big time please remove all 6 payments that was agreed on
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, TransUnion, and XXXX for their failure to address and remove fraudulent accounts from my credit reports. As a victim of identity theft, I have discovered several accounts on my credit reports that I did not open. Despite my efforts to dispute these accounts directly with the credit bureaus, they remain on my reports, causing significant harm to my credit score and financial standing. 

The fraudulent accounts are as follows : **Closed Account : ** - XXXX  ( XXXX ) **Collections : ** - XXXX XXXX  ( XXXX ) All XXXX - XXXX XXXX XXXX ( XXXX ) XXXX & XXXX - XXXX XXXX XXXX XXXX XXXX ) XXXX & XXXX - XXXX ( XXXX ) TransUnion & XXXX - XXXX XXXX XXXX ( XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX ) TransUnion - XXXX XXXX XXXX ( XXXX ) All XXXX - XXXX XXXX ( XXXX ) TransUnion - XXXX ( XXXX ) TransUnion - XXXX XXXX ( XXXX ) TransUnion & XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX & XXXX - XXXX XXXX XXXX XXXX ( XXXX ) XXXX & XXXX These credit bureaus are in violation of several federal laws, including : 1. **15 U.S.C. 1692k - Defamation of Character** 2. **Negligent Enhancement of Identity Fraud** 3. **Violation of the Fair Credit Reporting Act** 4. **15 U.S.C. 1681o - Civil Liability for Negligent Non-Compliance** 5. **15 U.S.C. 1681n ( b ) - Civil Liability for Willful Non-Compliance** 6. **15 USC 1692 ( g ) - Failure to Comply with Debt Validation Requirements** 7. **15 U.S.C. 1681b - Permissible Purposes of Consumer Reports** 8. **15 U.S.C. 1681i ( a ) ( 7 ) - Method of Verification** 9. **15 USC 1681a ( 4 ) - Right to Privacy** 10. **15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports** Additionally, the collection agency involved has not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they placed a collection on my consumer report. I have also not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

I am requesting the CFPB 's intervention to ensure that these credit bureaus comply with federal law by investigating and removing these fraudulent accounts from my credit reports immediately. Given the urgency of this matter and the ongoing damage to my credit, I demand that these accounts be blocked and removed within 4 days of receiving this complaint. 

Please find attached my identity theft report.,
Product: Debt collection

This company keeps emailing me notice about owing money to them. They use my email address but the person they are trying to contact is not me. I tried calling them but they would not speak to me about the issue because I am not the party that they are addressing the matter to. I have repeatlly sent back their email to let them know to stop and that my email is not the correct one. Have now told them that I intend to report them. Now I am. This has been going on for over a year and I am sick of it. 

Please do something to stop them from contacting me.
Product: Checking or savings account

I signed up the XXXX checking account under following terms : XXXX is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make two direct deposits of at least {$1000.00} each into your Spend Balance within 90 days of account opening. 
I completed the required activities and I confirmed with XXXX customer service representative that I would get the sign up bonus. However, XXXX changed their terms without advanced notification by adding additional term to disqualify my bonus : Maintain a beginning of the day minimum Relationship Balance** of {$1000.00} USD for fourteen ( 14 ) calendar days following your second eligible direct deposit. 
I contacted them and was told I should be getting the bonus based off the terms that I signed up for. However, as of today, XXXX refused to pay the bonus.
Product: Credit card or prepaid card

My request to increase the credit line for my XXXX XXXX XXXX XXXX account was denied because of high credit available on other accounts. This is available credit that I have not used because of the high interest rate associated with the available credit line. XXXX XXXX XXXX XXXX is offering 0 % interest for 12 months, so I requested a credit line increase for debt consolidation purposes. 

XXXX has a longstanding history of explicit discriminatory business practices. It is a standard and customary for XXXX to denied credit card applications, credit line requests, and other loans solely based on the ethnicity of the customers name and/or the racial demographics of the areas the applicants reside. 

I do not expect XXXX to admit to any wrongdoing. With that said, I am requesting the U.S. Justice Department and the Consumer Financial Protection Bureau to investigate the banks business practices.
Product: Debt collection

My wife received a call from National Check Resolution stating that we owed on a Payday loan, XXXX. They also stated that they where going to serve papers for a court case scheduled in two weeks. This scared my wife enough that she paid a reduced amount of XXXX verse the stated amount of XXXX dollars. 

I then called them back to verify what had happened. They told me a loan was taken out in XXXX of 2014 and paid to my XXXX XXXX account. NCR did have my XXXX XXXX Account 's last XXXX, my social number and home address. I told them I never filed for a payday loan in XXXX of last year. They told me it came from my homes IP address and that I should remember taking a loan out. They told me the loan amount was XXXX dollars. 

I verified through my bank, XXXX XXXX, that no deposit was made from XXXX XXXX in any amount. In fact hat no deposit of XXXX dollars are made to me account during the month of XXXX. 

They also stated they would not refund the money as it was a closed case.
Product: Credit card or prepaid card

A credit Card and a LOC was given by Wells Fargo for XXXX XXXX XXXX XXXX XXXX. I was told that it was not on a personal guarantee. On applying for another loan from another entity there was an audit where it was revealed that Wells Fargo had actually misled me and they were on Personal guarantee. This effected my application for another loan. My business already effected by the COVID 19 has caused a serious situation for my business
Product: Credit card or prepaid card

Earlier this year, I had to dispute a charge with Bank of America. 
There response on a web-chat was to go in person at a specific branch. 
I arrive in person to be told I need to make an appointment and to come back 2 days later. 
I arrive early and kept waiting for over an hour. Because they kept me 45 minutes past my appointment time, the department was closed and there was nothing that could be done. 

On XX/XX/19, my card was declined and locked down for potential fraud. There was fraud going back through XXXX. 
I was locked out of my statements for my credit cards online as a result. 
I called on XX/XX/19. There were 7 calls, 10 different people I spoke to, and over 3 hours spent on these calls. Bank of America hung up on me 3 times. Bank of America provided me a fake phone number to call back. 
The result after the 7 calls was to the bank opened 2 disputes and blocked the vendor. 
On XX/XX/19, Bank of America sent a few electronic letters. The letters stated that I could fill out the information electronically. That is a lie. I can not fill out the information electronically. Furthermore, these letters are asking me to provide information regarding the fraud. I provided all of this information and more during the 3 hours back on XX/XX/19. 

Today, XX/XX/19, I was supposed to receive a call between XXXX PST. That did not happen. Bank of America is no longer responding to the web chat.
Product: Credit reporting or other personal consumer reports

I am writing regarding Equifax inaccurately reporting my information. I have tried to rectify this and have sent several letters, along with my drivers license, but it still has not been fixed. This has caused me to receive denials for housing, credit and other things. This inaccuracy started when my information was compromised in the massive 2017 data breach that exposed the private data of nearly 150 million people. I was included in that settlement but for some reason Equifax always states they never received my paperwork, so my claim has been denied. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. I will also be filing this complaint with the Attorney General and other entities.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate XXXX XXXX XXXX information on my report is inaccurate, this account has been paid as to the terms of the agreement I ask that this be reverse to pay as agreed. Please reverse the following item, immediately
Product: Debt collection

I am writing to formally submit a complaint against Credit Collection Services ( the Respondent ) regarding their refusal to validate a debt and their potential violations of various consumer protection laws. 

On XX/XX/24 I received a communication from Credit Collection Services asserting that I am liable for an alleged debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I submitted a written request for validation of this debt within the mandated 30-day period.

My request included : The exact amount of the alleged debt.

The name of the original creditor to whom the debt is allegedly owed. 
Documentation verifying the existence of the debt. 

Despite my lawful request, Credit Collection Services has failed to provide the required validation. This refusal constitutes a violation of the FDCPA and raises serious concerns regarding the accuracy of information potentially reported to consumer reporting agencies, thereby violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Additional Violations : I believe the Respondent may also be in violation of the following laws : Consumer Financial Protection Act ( CFPA ) : The Respondent 's failure to validate the debt may be considered an unfair or deceptive act, which is prohibited under this act.

Truth in Lending Act ( TILA ) : If the Respondent misrepresents the terms or conditions of the debt, this could constitute a violation of TILA.

Credit Repair Organizations Act ( CROA ) : If the Respondent is misleading consumers about their rights concerning debt validation, they may be in violation of the CROA.

State-Specific Debt Collection Laws : The Respondent may be violating applicable state regulations concerning debt collection practices, particularly in failing to provide validation.

Unfair and Deceptive Acts and Practices ( UDAP ) Statutes : If the Respondent misrepresents the debt or engages in misleading collection practices, they may be violating state UDAP laws.

Impact : The Respondent 's failure to validate the debt has caused me considerable distress and uncertainty regarding my financial obligations. Additionally, their actions may adversely affect my creditworthiness and financial standing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

my bankruptcy for chapter XXXX was approved on 2011 and all debts were discharged but shell point mortgage A/c No. XXXX keep calling my private cellphone and attempt to collect debt even if I advice them the debt is discharged and I don't need to be contacted on the phone almost several times a day nonstop
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to close an inaccurate unverified account and is illegally reporting my information to third-party affiliates. I have filed a identity theft report as well as well as spoken with the company. 

The account number is : XXXX Date opened : XXXX XXXX
Product: Prepaid card

I purchased a prepaid credit card from XXXX when I opened the package i did not like terms of service and fees so I asked for a refund of my money. Was refused and told I have to use the card. I then tried to register it and the site said it was expired so I called the company and was told I have to purchase a New card and pay for it. I refused. I called several times and finally It took over a year to receive the new card with no fee and when I did I registered it and checked the balance. It was {$0.00} so I called them and was told that the maitence fee used up my balance. I never had a chance to use the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I'M A VICTIM OF IDENTITY THEFT AND I'VE BEEN TRYING TO GET MY CREDIT FILE CORRECTED DUE TO THIS UNFORTUNATE SITUATION. I'M NOT HAVING ANY LUCK WHEN I SUBMIT MY INFORMATION DIRECTLY TO THE CREDIT BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was mishandled by Equifax and opened up to theft, putting me and millions of other people at risk. I was identified as a potential breach victim when I checked in at their equifaxsecurity2017.com website. 

They did not notify anyone quickly enough, and have admitted that they will not notify everyone. 

In addition, when you sign up for " protection '' on the Equifax website they sneak in an anti-arbitration clause. 

I would like a resolution on this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my account all messed up and can not reach them to correct it. My account is frozen and I am unable to unfreeze it due to their error. Called them about 50 times and can not speak to anyone. The other two credit bureaus work perfectly.