23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TeK Collect are a 3rd party collection company ( purchased debt from doctor ) for A duplicate service. I had a series of tests conducted by the subject doctor over a period of time including a DUPLICATE TEST that was charged to my Insurance company that REJECTED the billing as being a DUPLICATE TEST! The doctor waited 6+ months before sending me a bill for the DUPLICATE TEST rejected by the insurance. I contacted the Doctor 's office explaining the XXXX [ XXXX TEST, in error ... during the beginning of the 2nd test I pointed out to the technician that I felt this was a DUPLICATE TEST FOR WHICH SHE RESEARCHED THE RECORDS AND CONFIRMED THE DUPLICATION... but stated since she had already started the test she would procede to complete the test... not to worry! 
The 3rd party COLLECTION AGENCY = TEK COLLECT INC ignored my DISPUTE and reported the so-called DEBT to the CREDIT BUREAUS which have posted a NEGATIVE 'DEBT COLLECTION '' on my file ... resulting in negatively impacting my application for a MORTGAGE to purchase a home. In addition I sent a CEASE & DESIST letter to TEK COLLECT with c/c to all THREE CRDIT BUREAUS. 
In addition I filed a DISPUTE with XXXX which has taken the side of TEK COLLECT ( a PAYING member ) in their attempts to collect the so-called DENT = DUPLICATE TEST BILLING rejected by my insurance company as well as myself!
Product: Payday loan, title loan, or personal loan

I requested and received a settlement from wells fargo on a personal loan, wells fargo now refuses to honor the agreement.
Product: Debt collection

In Wells Fargo Enterprise Complaints Management Office, they don't produce the required Notice for Validation of Debts as required by section 1006.100 Record Retention. The required record that WELLS FARGO BANK, never produced. When I communicate with them, they just say the statute of limitations is past. Fraudulent concealment of the notice or any revalavent information stops the statute of limitations from starting.
Product: Mortgage

I 'm a first time home buyer looking at financial institutions for potential loans. I have accounts at various places to include USAA. I was looking at potentially applying for a home loan with USAA and they ran my credit without my approval. I ended up going with another bank. I approved the other bank to run my credit but not USAA. Just because I have accounts with one company does n't give them the right to run my credit, or does it?
Product: Debt collection

On XX/XX/XXXX I spoke with XXXX XXXX, former leasing representative with XXXX XXXX XXXX in XXXX county Virginia. During this email we discussed my ability to sign a 15 month lease. We also discussed the likelihood that my job would be transferred in the future, and how I could break my lease and pay a " buy out '' option which was equal to 2x my base month rent. We agreed on these terms and my lease was signed. 

On XX/XX/XXXX I contacted the leasing office via email and in person to let them know that I would have to break my lease as I was being transferred. I received no response to this email until XX/XX/XXXX by XXXX XXXX, property manager for XXXX XXXX XXXX. At this time, XXXX stated that I agreed to pay a {$1600.00} fee equal to 2 months rent and that I would supply an updated address so they could forward me a bill as to my final amount owed after damages were assessed. I replied to this email confirming my agreement to pay the fees once I received mail confirming the details of payment owed. I also provided my updated mailing address to XXXX at this time. 

I have received no further communications from XXXX XXXX XXXX. Imagine my surprise when it's XX/XX/XXXX and I'm on break from my job as a XXXX XXXX  in the XXXX, and my bank card won't swipe for a soda. I contacted my bank and they informed me my account had been frozen in legal judgement by XXXX XXXX XXXX. and the phone number XXXX was provided to me at this time. They stated my account could no longer be accessed and that there was a freeze for over {$5000.00} on my account. 

I have no access to my bank, any funds, or the ability to pay my bills. I was never notified of this debt via mail, email, phone call or court notification of action being taken against me. 

I have no problem at all paying the {$1600.00} owed, my concern is that I feel the apartment complex mismanaged my account and is looking to recoup losses from their less than stellar low income tenants in those units. I had the forethought to try to fight this the moment that I became aware of the situation. A lot of others wouldn't know where to begin.
Product: Debt collection

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by XXXX XXXX and a XXXX form should have been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act these accounts have violated my rights : ( 15usc.1681 section 604a section2 ) & 15USC 1681 602a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX *15USC 1681 section 602a states i have the right to privacy & 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I filed complaint XXXX regarding a bait and switch scheme by Capital One credit cards. Someone from Capital One 's corporate offices responded and left a voicemail, but the contact information included in her message ( an 800 number, extension, and case number ) did not allow me to reconnect. The 800 number was for a general customer service center and the three separate attempts made and agents contacted were not able to connect me to the person who left the message, the case number or extension provided, or even find notes about my complaint/situation ( despite previous contact with Capital One customer service ahead of the initial CFPB complaint in an attempt to resolve the issue myself ). I have no way of responding to Capital One 's voicemail and there have been no further attempts to contact me.
Product: Vehicle loan or lease

I was tricked into signing a lease at XXXX which is illegal in California. not knowing what I was even doing. Over the first year of payments only XXXX has gone to the principal I really need help. Cant afford this truck while Im trying to raise XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2016 a Notice of Lien was filed on my account with Bank of America in the amount of XXXX from an attorney. Bank of America doubled the amount and put " on Hold '' XXXX. I made several phone calls to explain the CASE # is the same even though the judgment and notice of lien was filed as joint. After several phone calls and visiting the Bank of America branch on two separate occasions due to the person in their legal department told me to go into the branch and sign a " early payout '', the branch rep typed up a form however the amount was NOT correct so I could n't sign it, no resolution to the problem and my account continued to be charged. On XXXX XXXX XXXX was debited from my account and I was charged XXXX twice, once for me and once for my husband. On XXXX XXXX XXXX and XXXX was debited from my account. As of XXXX XXXX, 2016 the attorney has NO RECORD of Payment and Bank of America can not tell me where my money has gone. So, for a lien of XXXX, my account is out a total of XXXX and no one ( after 13 calls and two visits to the branch ) can tell me where those funds have gone. I am on Day 17 with no sign of resolution in site. With no explanation my fees for overdrafts is totaling over XXXX between the bank and creditors that items were returned to. Since XXXX XXXX, I have agreed to release the funds, and no one can seem to assist me. I did not dispute the lien, I wanted to pay this but having my account debited on three separate occasions and the amount of time it has taken for them to resolve this issue is criminal. I believe when they got the order on XX/XX/XXXX after they took their fees of XXXX, the only funds available were XXXX, however on XX/XX/XXXX payroll was deposited and all the funds were available, but no one ever looked back at the account to report that, even with me calling and begging them to help me resolve this. I do n't normally look at things like a conspiracy but how can I not think this delay was all to earn additional fees. This has created a disaster of my finances and I have felt so in the dark on what to do. The only notice I received from Bank of America was on XX/XX/2016 in both mine and my husbands name for the amount of XXXX, no other notice was ever received from the bank.
Product: Credit card

I contacted XXXX XXXX XXXX and spoke with Agent ID : XXXX and advised of my situation. I stated I was in the hospital and had severe medical issues. I advised I was reported 30 days past due on my credit report and due to my medical issues wanted to request an update on my credit report as a goodwill. At no time in the call did the agent state Self Credit did not do goodwill credit reports. In fact I was told an escalation request was made for the update due to my medical circumstances and would hear back in two business days. I was further advised I needed to write an letter to your escalations department requesting my goodwill request. In which I have did. If in fact that Self Credit didn't do goodwill credit report update or even process request I was never advised that on the initial call. In fact I called today XX/XX/XXXX where a second agent told me they saw my request pending and to allow 3-5 business for response. I even received an email after the call advising you do not accept Goodwill requests.This whole experience has been false and misleading. If you don't even accept Goodwill, why did your agent advise me differently. I am requesting for the calls to be pulled and listened to as to what I was advised.
Product: Mortgage

Bank of America, N.A. transfered the service of my loan to XXXX XXXX XXXX, decpite of promise at closing document no to do it. On SERVICING DISCLOSURE STATEMENT, it says : " Your mortgage loan will be serviced by Bank of America, N.A. and it does not intend to sell, transfer, or assign the servicing of your mortgage loan. 
I contacted BofA representatives 3 times regarding this issue and they say that " does not intend to transfer '' does not mean that they will not.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in those account 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.

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

My insurance paid off my XXXX after an accident but XXXX XXXX has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through credit karma it says that it has been paid off and dispute has been resolved! I also got a letter from XXXX XXXX saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!
Product: Bank account or service

I have an ebanking checking account with Bank of America. My mother went to the bank and deposited a check that was in my name into my account. It had been sent to her house. I was charged a monthly maintenance fee of {$8.00} because my mother went to the teller to do this. 

I do n't think it 's fair that I 'm charged a fee for something which my mother did? It makes no sense to me. I have no control over whether she goes to the teller or not. I only use self-service options and receive a paperless statement so there should be no fee. 

I have tried to clear this up but BofA continues to give me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even XXXX  's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that XXXX allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?
Product: Credit card

A gentleman by the name of XXXX XXXX with XXXX XXXX XXXX contacted my mother ( XXXX years old ) and told her he could consolidate her credit card debt, which was a little over {$3000.00} ( $ XXXX on XXXX card and about {$300.00} on another ). After consolidating her debt he processed a charge electronically to her discover card for attorney 's fees in the amount of {$11000.00}. Discover card would not refund her the money because they told her she agreed to it. She was not aware of the amount he would be charging her or she would have never agreed to it. They did, however, waive a {$300.00} fee that was applied.
Product: Checking or savings account

I opened checking account as a result of an invite by Wells Fargo bank with {$400.00} bonus code. The requirement to get this bonus is to set up direct deposit monthly and to accumulate {$3000.00} within 150 days.XX/XX/19, I walked into Wells Fargo Bank in XXXX XXXX XXXX, XXXX, CA XXXX and was met by Premier Banker Ms XXXX XXXX. We both had the understanding of the requirement for the {$400.00} bonus. She reminded me to make sure there would be {$3000.00} in my account by direct deposit within 150 days. I assured her that i have set up social security check direct deposit as of XX/XX/2019, I waited 8 months and I still do not see {$400.00} bonus deposited in my account. I talked to same bank manager and he filed complaint for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frost Bank continues to incorrectly list a deposit account that is overdrawn on my personal credit report XXXX file attached ). They also list the account as an loan with monthly payments. This seems to be a dirty trick to try to get me to pay a debt I have already disputed.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I was reviewing my credit reports, and I saw some things I were not sure were correct. The next day I sent a letter to TransUnion through certified mail asking them to reinvestigate and make sure the account information was complete and accurate. 

They refused to do a reinvestigation and said I should wait to get the results of the original investigation I did by phone. 

On XX/XX/ I noticed some things were still not correct or did not match my other credit reports when their investigation was complete. The next day I sent TransUnion another letter via certified mail asking them how they verified the information and to provide me with a description of how they reinvestigated the accounts. 

They refused to do that as well. They sent me an e-mail saying that I was a credit repair company. They said they could not verify my information because they needed identification. I already sent XXXX forms of identification with the letter. I am not a credit repair company, and I do not use a third-party. I just want the accounts investigated correctly. They do this the majority of them time when I try to dispute by mail. I called and chatted with them to confirm who I was. I was told multiple times they were going to continue with the investigation, but they did not. I am attaching the documents that I mailed TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and DP OF EDUC XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/2023, MEDICAL DATA SYSTEMS I put a collection in my credit for {$660.00}. I didn't not give consent for a third party to have access to my medical records
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American  male I've been a victim of this kind of discrimination for years and I need answers.
Product: Checking or savings account

I opened a checking and savings account with the BBVA Compass Bank at the XXXX, Arizona branch on XXXX XX/XX/2020. 
This account was opened on a bank promotion which said {$100.00} checking account bonus and {$50.00} savings account bonus, upon opening the account within the given time frame and making qualified direct deposit. 
I completed these requirements within the stipulated time which was validated by bank officials through telephone conversation on XXXX XX/XX/2020. 
I was supposed to get my money by 1st week of XXXX but it was not credited. 
So on XXXX XX/XX/2020, I filed a compliant with the bank to escalate the issue but till date they keep procrastinating it by telling that they are still working on it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company seems like they deleted last yr n added valid address that is cause ng serious harm in accounts that are not reporting to my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is missing was on report but now missing besides the other address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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.

If these erroneous accounts are not deleted immediately, I will be forced to sue u seeking maximum monetary damages clearly outlined within 15 USC 1681o.