23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AWA Collections XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX I am disputing this debt and collection in the amount of {$1800.00}. There was no signed financial responsibility form ever completed with XXXX XXXX XXXX. I would like to see documentation showing treatment rendered and my signature agreeing to charges and the charges listed. No statements/bills or attempts by the provider has ever been received. My insurance covered what was needed and that was agreed upon at time of service. 

This is also a HIPAA violation, and I will be reporting XXXX XXXX XXXX to the XXXX XXXX as I have a right to protect my privacy and medical and dental records from third parties. I do not recall giving any permission to XXXX XXXX XXXX for them to release my dental records to a third party. I am aware that HIPAA does allow for limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofold Validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and dental charges. 

Cease any credit bureau reporting. AWA collection reported this to credit bureau affecting my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXXXXXX account transaction has appeared on my credit report. The transaction is the result of identity theft. I have no knowledge about the crime. All I know is that the transaction does not relate to me. I have already filed a police report and identity theft report for the crime. I sent a notice dated XX/XX/year> via the mail to inform Experian about a crime that has taken place and to block and permanently remove the transaction from my credit report. Unfortunately, I have not received a valid response from Experian. I am seeking redress for my instructions to be honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXk account [ XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX  - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( Transunion and XXXX ) Incorrect Address : XXXX XXXX XXXX  ( XXXX )
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 

Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted an investigation in the account XXXX XXXX XXXX is reporting on my credit reports that were previously removed by due to being inaccurate and not verified. Once again, the company did not provide verification as requested in complaint and it has been passed 30 days, the debt is inaccurate. Furthermore, On the last page of the statement sent it states " This account summary has been prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. It is not a credit card or other account statement from the original creditor. This agency is fabricating its own statements. This account is inaccurate for the balance reporting is to the credit bureaus is {$550.00} but, on this statement, it says {$550.00}. Also, the statement shows that he last payment in the amount of {$380.00} was received on XX/XX/XXXX but the date of last activity is blank. 

XXXX XXXX XXXX is the company name that show on my credit reports but there are operating under a company called XXXX XXXX XXXX to resolved issues and therefore contact information is not correct. Never authorized company to handle any unknown accounts in my name. The account was previously removed by XXXX XXXX XXXX due to being inaccurate and unverifiable that now this company is trying to collect. 

This account is having not been verified and I also pointed out some inaccuracies with information that the company is reporting that doesnt belong to my report in the first place. I have attached my letter sent to the company on XX/XX/XXXX and their response. 
I am demanding removal of accounts from my credit report and any of my personal information purged from your system and to never be used again. I am demanding {$2000.00} per account you have illegally reported and purposely refused to resolve and verify in your last investigation mailed to my address on this letter via check. 

Please be aware, I am maintaining a careful record of my communications with you and dependent upon your prompt response and full compliance to resolution, I will be detailing any potential issues with your company via an online public press release, including complaint due Failure to respond satisfactorily within seven ( 7 ) days of receipt of this certified letter may result in more intensive actions against your institution for willful neglect to the leaders listed below : Cc : Head of Federal Deposit Insurance Corporation., Mrs. XXXX XXXX Cc : Head of Office of Comptroller of The Currency., Mr. XXXX XXXX Cc : Head of Federal Trade Commission. , Mrs. XXXX XXXX Cc : Head of Consumer Financial Protection Bureau. , Mr. XXXX XXXX Cc : Head of US Attorney Generals Office. , Mr. XXXX XXXX Cc : Head of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS, XXXX
Product: Checking or savings account

Capital one bank got a deposit from XXXX.office deposited it but not into my account because XXXXoffice gave me tracking number for the check and they first said the tracking number i gave was invalid so I went back to XXXXoffice and got printout of all info and had it stamped by XXXXoffice and then they said that the XXXXoffice paid me for what I was telling them I never got
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified XXXX XXXX XXXX for XXXX XXXX XXXX credit card that they had incorrectly reported a 30 day late in XX/XX/XXXX to XXXX credit bureau. I also filed a report with XXXX. XXXX did not respond, however, XXXX XXXX XXXX responded via letter stating that they found the XXXX XXXX XXXX credit card is not being reported to the credit reporting agencies. This is in fact a lie because my XXXX credit report shows they reported a 30 day late in XX/XX/XXXX and I am an authorized user on the account with details of payments being made. The account has never been 30 days late in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX On [ XXXX 2020 ], Macy 's took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit scorXXXX, which in return affected my chance in renting apartment and financing a car later on.
Product: Payday loan, title loan, or personal loan

For the last two years, I have been making installment payments on time. On XX/XX/2021, I tried to make a payment over the phone using my debit card, but the phone operator told me that their system to make debit payments wasn't working so we had to try again the next day. The next day, XX/XX/2021, I tried to make a payment again, however, their system was still not working according to the phone operator. 

On XX/XX/2021, I drove to one of their offices located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I tried to make a payment with my debit card and they refused to make the payment because their system was not working. 

Even though I tried to make the payment on 3 different occasions Oportun is imposing a late payment fee of {$15.00} dollars. A new late payment fee was imposed after the next due date came. I have tried to talk to them multiple times, explaining that it was their fault that the system was not taking debit cards at the moment. They refuse to remove the late payment charges and threaten that they will keep charging me.
Product: Credit card or prepaid card

I initiated a balance transfer with my XXXX credit card to transfer from my Prosper credit card to the XXXX card in XX/XX/XXXX. The transfer posted to my XXXX card XX/XX/XXXX and was advised to allow 8 days for everything to reflect on my Prosper account balance. I emailed Prosper services on XXXX to confirm that they received the balance transfer initiation from XXXX and get an estimate of when my balance would reflect the deduction. I still have not heard back from Prosper regarding my inquiry. 
Called several times to have reps say they dont have anything in their system showing a pending balance transfer. Finally call back today XX/XX/XXXX to have them say the same thing. I did not accept that response and asked more questions because now it appears I have more credit card than I actually do which in turn also results in lower credit ratings. The reps inform me that although they dont see a balance transfer request, they dont allow transferring balances to other cards. Shock to me as Ive read through my terms and conditions more than once and nothing states they dont allow balance transfers. She insisted that its showing in her terms and she cant help me any further. Prosper has many shady financial and reporting practices.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX via USPS Priority Mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) concerning an account ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX, with a balance of {$37000.00}. 

As required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX was supposed to provide validation of the debt within 30 days. They have not responded to my request. 

I am now requesting the removal of this debt from my credit report under 15 U.S.C. 1692g ( b ), which mandates that a debt collector must cease collection efforts, including reporting to credit bureaus until the debt is validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advise that this account was recently deleted from my Transunion Credit report due to identity fraud. The account ( XXXX XXXX XXXX # XXXX ) was previously owned or placed in collection on behalf of XXXX XXXX  whom apparently has sold this fraudulent debt after being notified from myself and Transunion to XXXX XXXX XXXX. Now this same account with a balance of {$150.00} is reporting on my Transunion credit file with XXXX XXXX XXXX as the collector. There are several violations due to this activity. TRANSUNION is at fault for re-reporting fraudulent blocked information. XXXX XXXX XXXX is in violation for re-selling a debt that was from the direct result of identity theft. XXXX XXXX XXXX XXXX  failed to send any initial 5 day notice of them taking ownership of the debt before placing on my credit file. This debt must be removed or I will consult with a consumer attorney ASAP!
Product: Credit reporting or other personal consumer reports

I was using my citi double cash card to help me get through covid as I was unable to work. So my percent usage to balance got very high. 

Getting things going again and able to make a large payment of {$18000.00} on XX/XX/XXXX  getting my use percentage well below 30 %. 

4 days later citi bank lowered my credit limit by almost {$20000.00} to {$2000.00} effectively keeping my credit at the place it was. 

I have never missed a payment. I made this payment to help my credit bump up. Since I planned to buy a car In XXXX this would help me secure a better rate. 

Unfortunately when citi bank exponentially lowered my limit. I wasn't able to get that increase in credit score. I'm stuck paying 7.9 % interest now and can't refinance because of the state of current rates.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I placed an order directly with Google to purchase the new XXXX XXXX XXXX for a total purchase price of {$1100.00} which included their preferred care plan. To entice the purchase of this phone Google offered to credit the cost of this phone purchase with a {$400.00} trade in credit for my current Google XXXX phone ( also purchased directly through Google ) that was in use within the Google XXXX network. The trade in program they offered included Google sending you a return shipping label to return the original XXXX phone in my possession. After receiving my new phone on XXXX and testing that it was functional I packed and shipped my original XXXX phone to Google using the tracking label they provided USPS Tracking # XXXX which was confirmed received by Google on XXXX/XXXX/XXXX. 

After receiving initial correspondence from Google on XXXX indicating they were in receipt of my shipment but backlogged in reviewing returned devices they indicated an update would be provided shortly. I subsequently received an email from Google on XXXX indicating they were crediting my account for {$70.00} for a completely unrelated phone ( XXXX XXXX ) instead of my returned XXXX phone. I immediately escalated this concern to Google Customer Service on XXXX whom they quickly acknowledged the phone they credited me for was not the device on my plan ( also not the device I returned as I never owned a Nexus product ). After weeks of delays and having returned my device to Google now 2 months ago they have still not correctly credited my interest bearing account the appropriate refund credit. 

My assumption is either a negligent handling of the return process and/or theft of my device from their processing center. My goal is to ensure I am properly credited the remaining {$330.00} from my returned phone and also if theft is involved that they are appropriately reviewing the handling of returns as that device costs roughly a {$1000.00} when purchased from Google implying that it is a Felony. After multiple delays the most recent update I received from Google was on XXXX indicating an update would be provided in 5-7 business days. I informed Google if an update was not presented in the time they indicated I would move forward with a CFPB complaint to ensure other clients were not receiving the same unfair treatment from this program. Today marks 7 business days and an update was never received. 

I appreciate any assistance that can be provided to bring this complaint to a fair and timely solution. I personally can not believe that Google would string a client along for this long based on their negligent handling of this program. If this is a systemic issue of purposefully not crediting clients back on returned devices it should garner government review. 

Google Case ID [ XXXX ] Google Store Financing XXXX
Product: Checking or savings account

On  XXXX - XXXX -17 I paid my capital one credit card in full by doing a bank transfer from my capital one account to the capital one credit card.
The amount that I put in to be paid was {$1400.00} to pay the balance in full. I distinctly remember this as the bank screen had a small pop up that said the balance is higher than my usual transfers ( {$350.00} and {$200.00} the norm ). The sum was correct. I submitted payment.
Today I got an automated notice saying my account was below the {$100.00} balance that triggers an automatic notice.
I went online and saw that capitalone debited my account {$14.00},  XXXX . I immediately went online and contacted their help department. The bank is now refusing to credit back the funds. My account is completely in the negative because of an error they did. Capitalone is telling me that it will take anywhere from 10-45 business days to investigate the matter. This is a error on their behalf that should take no time to correct as it is all Capitalone banking & credit card. I do not need a $   XXXX   credit balance on my card and have numerous items that automatically debit from this account. The time they want to take for an error they created is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2018 File # XXXX Wells Fargo I gave XXXX  copy of application that Wells Fargo gave me. The application had a different middle initial than mine. XXXX  have been given proof that the account is not mine and still will not take it of.
Product: Debt collection

Hello CFPB employee, On XXXX XXXX, 2016 I sent a request for validation to XXXX. System regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to I.C.System XXXX XXXX, 2016 I sent a XXXX request for validation and again time went on and still nothing received to me from I.C. System. I.C. System has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for I.C.System to follow the laws they 're governed by. I 'm requesting that I.C.System to remove the collection debt ( I.C.System, Account # XXXX ) Balance {$310.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with I.C.System has been made. 
( Resolutions request ) I think a fair resolution to my issue would be for I.C.System to remove the debt from my credit reports as they were not able to validate the debt they claim I owe. 

Thank you CFPB In advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

Amex issued me a credit card under a promotion. Called in after i received the card and was tos old m account is eligible for the the promotion and all is fine. points ave been issued, Amex then took the points bas back after 90 days. No letter just action like ike the wild wild west .... Now I am told that I should never been eligibl because i had this account before. 
Why do I have a problem with this behavior. 
1. I expect a letter, amex sends me a letter for everything but not in this case ... I normal get an letter from amex when the CEO taking a ... ... 
2. Called CS after getting the card and before I paid the the fee and where told that i am elegle for the promotion and all is fine on the account. Why does it take 90 days to figure it out? 
3. If the reason " had the card before '' XXXX ; why does it it take 90 days to figure it out, looks like amex has no real handle ( database ) to know or is just incompetent .... 
4. Did amex took the the time to generate revenue & membership fees with the background information that the had at the application date, that they will back out later time ( or wise out ), please explain the timelines & time taken .... 
5. Not possible to get o get written answers from AMEX ... ....
Product: Credit card or prepaid card

I'm an American Express Platinum member and I'm unable to use my Membership Rewards points. I contacted American Express and nobody was able to tell me why I couldn't use my points and when the issue would be resolved. I find it unacceptable I have to waste my time to file a complaint so I can use my points. Please let me know if the issue will be resolved so that I know whether to cancel my accounts before the anual fees are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.