23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

disputed a debt on XXXX report, called Hospital to get information about debt. asked if they used a XXXX. in XXXX from XXXX XXXX XXXX, Hospital staff connected me directly with a company that handled collections for XXXX. ( XXXX XXXX ) ... they said they had no information on me. XXXX report showed Commonwealth Financial as collector. Got # called them told me by phone debt was {$170.00} & service date was XXXX/XXXX/XXXX @ XXXX XXXX XXXX Hospital in XXXX XXXX ( never been in that Hospital ) I was seen in ER @ XXXX XXXX XXXX. in XXXX on XXXX/XXXX/XXXX & admitted. @ time I had XXXX insurances XXXX & XXXX ( was in process of filing for XXXX ) & Insurances paid bills in full ( {$0.00} balance ) Collection Co. just seemed to make up a balance? Lied to me about amount ... Person I spoke w/ a collections is XXXX XXXX Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ext XXXX ) I asked for letter for validation w/ date of service/amount/date of last activity/etc ... ( He pretty much told me He 'd send their standard statement ) would not tell me what info would be on it ... The {$170.00} is bogus & 2 years different on date of service. Seems like a case of FRAUD to me??? Tomorrow I 'll mail a cease & desist letter w/ a request for Validation letter ... Filed a complaint w/ XXXX as well. will gather supporting evidence from hospital & Insurance companies. We 'll see if I 'm sent anything from them? Want this removed from Credit Report. Seems like my credit report is full of mistakes ... lodged other disputes. I do n't have perfect credit & do n't claim to be a saint ... BUT WRONG IS WRONG. I 'm trying to repair credit ( I do n't need errors/fraud, to make it any harder than it already is. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up letter, I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX  / ) XXXX Balance : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX the aforementioned items are UNKNOWN to me, Ive already included this in my previous Complaint & I am including it again.,
Product: Debt collection

XXXX has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through Home Depot. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. XXXX has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, XXXX on XXXX, and XXXX on XXXX. The companies names are Creditor Bureau Associate, and XXXXXXXX XXXX XXXXXXXX. I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, and XXXX. There are no account numbers for XXXX or XXXX for the XXXX XXXX XXXXXXXX or Creditor Bureau Associate accounts.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
XXXX XXXX  : ( ACCT # XXXX ), XXXX XXXX : ( ACCT # 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 XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item 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, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed that this Bankruptcy account from the US bankruptcy court XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the US bankruptcy court XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXXXXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 4 3 credit bureaus XXXX, Experian, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true
Product: Credit reporting or other personal consumer reports

THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE.

I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE.

ALSO AFTER FURTHER INVESTIGATION BULLCITY FINANCIAL DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B.

FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING.
Product: Debt collection

I checked my experian credit report and found a reported medical debt collection that I have never received any information about, where it was done or came from. My phone number is still the same. I have lived in the same address for almost 2 years. There is no way my health insurer would not pay a bill unless it was submitted late by the provider
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a first and second letter to Experian to dispute several unauthorized inquires on my credit report. The first letter was sent on XX/XX/2018, and the second letter on XX/XX/2018. Each response took 5-10 days ; however, they report that the inquiries were verified. I asked them to provide me a written authorization and any permissible purpose with the second letter, but they failed to follow the Fair Credit Reporting Act. I already contacted the creditors, and they were unable to provide me with any verifiable information. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a  consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Debt collection

I received phone calls from XXXX XXXX, threatening legal action for a past due bill. I was intimidated, so provided my fiancs debit card number because we share a bank account. She called XXXX XXXX, and felt that he was scamming us, so she cancelled her debit card. She asked XXXX XXXX to send a bill, and he sent it in an email. The cover page of the email had a company logo for XXXX XXXX XXXX. Inside the email, it stated it was from XXXX XXXX XXXX XXXX, XXXX. The current creditor was listed as XXXX XXXX XXXX, XXXX. My fianc and myself have received numerous harassing phone calls from XXXX XXXX. He has shouted at her, called her a low life. He calls my family members and tells them theres a case against me for fraud. We both have been threatened with legal action for providing a false instrument.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX, number XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

date : XX/XX/2019 amount : {$620.00} company continue to wrongful report false amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant reported my account over 30 days late even though we had an agreement in place which I sent to XXXX. XXXX lets things go 45 days with out a response but again the consumer gets the shaft because these banks control XXXX. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that XXXX  even did the investigation. My next plan of action is filing a lawsuit against XXXX and Avant.
Product: Checking or savings account

I was scammed out of {$5900.00}. I was online paying bill when I got a text from chime bank that stated I had reached my daily limit. I looked up their number on the internet and call. 
A XXXX XXXX introduced himself as a customer service representative and stated he will help me to get an increase in my daily limits. 
He instructed me to download an app, I did then he asked me to open my account I did. It sound like chime representatives and I even heard people answering the phone in the background so I didnt think nothing of it. 
XXXX then told me my address and name and asked to to tell him the last XXXX digits of my social security number. I gave him the wrong numbers. He wasnt alarmed About that time I received another text from chime asking did I authorize a XXXX XXXX  transaction. I stated no, immediately hung up the phone and called the number on the back of my chime card. All this was within XXXX minutes. I noticed that XXXX had made XXXX pay anyone transaction. XXXX to XXXX XXXX XXXX {$3400.00} and another to XXXX XXXX for {$1400.00} Also XXXX XXXX XXXX  transactions to XXXX XXXX with a phone number attach XXXX CA from my checking account within XXXX minutes and from my credit builder account XXXX XXXX XXXX XXXXransactions to XXXX XXXX within XXXX minutes. Even though I immediately notified the bank they didnt stop the transaction and refused to refund my money scammed.When John put in the wrong social security number that should have immediately alerted Chime bank of fraudulent transactions. All the photos are from the scammer whether he works for chime or not is a good question
Product: Student loan

I am writing to formally request the discharge of my remaining loan balance of {$22000.00} based on the total payments I have made toward this loan, amounting to {$18000.00}. I am seeking this adjustment due to several factors, including Navients settlement with the Consumer Financial Protection Bureau ( CFPB ) over allegations of harmful servicing practices. 

According to the proposed settlement, Navient has been barred from servicing federal student loans and is required to pay {$120.00} XXXX in fines and compensation to borrowers who were adversely impacted by the company 's actions. As a borrower affected by your practices, I believe I am entitled to relief. 

The payments I have made to date demonstrate a significant commitment to repaying this loan. Given the settlement and the federal ruling against Navient, I request that my remaining balance be cleared, as I have already contributed a substantial amount toward the repayment of my student loan debt. 

Please review my account and confirm in writing that my remaining balance has been discharged. I trust that Navient will follow through on its obligations as outlined in the settlement agreement with the CFPB, and that this request will be handled in a timely and fair manner. 

Thank you for your attention to this matter. I look forward to receiving your response and resolution of my request.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. I am exercising my rights under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which entitle me to request the blocking and removal of accounts and inquiries linked to fraudulent activities as a result of this breach. 
Below are the details of the accounts and inquiries that I request be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$7200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$630.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$1800.00} Inquiries : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This letter is to dispute a debt byELEVATE RECOVERIES LLC which is now on my XXXX Credit Report. On XX/XX/ I was notified by a credit tracking program that a new debt was added to my credit report. The debt is the same listed from XXXX XXXX XXXX ( see attachment ) date from XX/XX/XXXXby Original Creditor : XX/XX/XXXXXXXX XXXX XXXX. Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}. 

As of today, I have never received any communicationfrom Elevate Recoveries LLC regardingthis matter. In addition, this is the same complaint and old debt that was closed in XX/XX/. The last new creditor listed was XXXX XXXX XXXXXX/XX/XXXX.I completed this complaint with CFPB on XX/XX/XXXXwas notifiedit was referred to the Federal Trade Commission. I am not sure why the debt that has been closed is being sold over and over again to multipledebt collectors. This does not seem lawful especiallywithout any communicationto the consumer that this takes place or giving me a chance to request information regarding this debt which was not provided to myself or my lawyer.
Product: Mortgage

I believe we have reached a mediation settlement with the mortgage company. I am enclosing the documents. I had XXXX a job loss and I am recently employed, my older son and I are making the payments to escrow. I am attaching a document since I could not attach it to the other case. Case number : XXXX. We need the cooperation of the seller and the trust company, Sunwest trust, the bank has agreed to let me and my family assume the loan. We have made the payments and lived and repaired and insured the home. Please refer to the attached document.
Product: Vehicle loan or lease

Ive gotten a loan with XXXX  and gotten a used XXXX XXXX XXXXXXXX. I bought the car XX/XX/year>. When I got it, it only had XXXX miles on it so basically it was still brand new. XXXX uses a loan company called Bridgecrest. Now I didnt look up any information but I wish I did. There are so many complaints, cases and they have even been sued once before. Ive been paying on this loan for over a year and my monthly payment is {$1000.00}. Ive been paying that for over a year now, XXXX months exactly. Ive have paid almost {$18000.00} on this loan with my payment being so high. The problem is my loan is still the exact balance from when I first bought the car. The balance hasnt moved XXXX bit which means basically Im tied to this car for life. Bridgecrest has been sued already for shady practices but I didnt know at the time until I started realizing my balance wasnt moving with me paying on time and the correct amount at that. Also now my account isnt found. I went to go make a payment and my account isnt found.
Product: Money transfer, virtual currency, or money service

Caller stated that I was a victim of identiy fraud. Supposedly my name was used for XXXX XXXX XXXX XXXX and that there were alot of bank accounts under my name in XXXX XXXX Texas. He knew my name, age and address. I also spoke to a police officer XXXX XXXX who gave me a case number and badge number. He told me I would recieve a call from XXXX XXXX from the US MARSHALLS. I recieved the call and he gave me instructions to confirm my identity by withdrawing money from my bank account and depositing it into a bitcoin machine. He sent me a QR code and thats how I was able to deposit the money to ATHENA BITCOIN.
Product: Money transfer, virtual currency, or money service

This is a complaint against Wise XXXX Inc . 
Filed by : XXXX XXXX XXXX XXXX XXXX. XXXX, VA XXXX T : XXXX XXXX XXXX I have used Wise XXXX Inc. to wire XXXX EUR ( XXXX USD ) to XXXX XXXX XXXX 
Somehow there was a suspicious fraud and the money were not received by the beneficiary ( XXXX XXXX XXXX ). 

I have contacted Wise to put a trace and refund the amount but they did not. 
When I attempt to file a police report in the beneficiary country. The local authorities requested me to produce the following : - A document from the beneficiary bank that proofs the fund was received by XXXX XXXX XXXX, the document should include the beneficiary company name, owner of the account, account address and XXXX. 

Wise XXXX INC refused to provide me with such proof and asked me to contact the beneficiary bank directly. The beneficiary bank " XXXX XXXX XXXX '' .refused to provide me with any information since the wire was initiated by Wise . All communications have to be through Wise. 

It's highly unlikely that a hacker is able to open a bank account in one of of XXXX biggest financial institutions ( XXXX XXXX XXXX ) in the name of a company XXXX XXXX XXXX  ) without providing a registration documents and ID.
Product: Checking or savings account

Dear CFPB staff, Santander Bank ( US ) has blocked my checking account for months ( from XX/XX/2021 till now ).

I have called in their customer service, branch and fraud team many times over the past two months. Every time the fraud team says they will send an email to a specific analyst to look at the issue. However, this mysterious " analyst '' never replies the email or provides any solutions. More horrendously, this person, who supposed to resolve the issue, has always been off-work or out of office, when I request to be direct to him/her ( my calls are during regular working hours ).

I've offered to provide any info that is requested for solving the issue. Nevertheless, the bank 's fraud team is always referring to this obscure email object, and their attitude is sometimes borderline insulting. The internal controls in the bank are apparently very ineffective.

I've also requested to speak with a supervisor or a manager that can escalate the issue, but I was told there is no supervisor for this analyst. If he/she doesn't reply the email, the account will be blocked forever. 

I'd greatly appreciate your help to facilitate a quick resolution of the matter. The pandemic has hit hard on me, and I need my money to pay utilities and mortgages. Thank you!