23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is regarding a collection notice that I have received from Associated Credit services. This pertains to an XXXX XX/XX/XXXX bill for the delivery of my child on XX/XX/2018. XXXXXX/XX/XXXX was the provider for this service. I was covered on my own insurance by XXXX XXXX Member ID XXXX until the day my baby was born and subsequently me and my child became a dependent on my spouses plan on the day of her birth with member ID XXXX. 
XXXXXX/XX/XXXX failed to bill the right insurance member ID and hence failed to collect their fees in a timely manner. I was covered by my insurance, old and new through the entire course of these events and continue to be covered to this day. I have confirmed with my carrier that they have billed the wrong ID. I should to be penalized for a billing that was improperly submitted. It is not my job to take care of billing an insurance company. 
Subsequently they sent my bill to collections - Associated Credit Services who I tried to call and explain my problem. I asked them for a number to call the XXXX XX/XX/XXXX and they said they cant disclose the number and I should XXXX it and call them. I did XXXX but didnt end up having a person respond on the other end. I have called the hospital itself in hopes of getting directed to the XX/XX/XXXX billing department multiple times without response. The numbers I have called are XXXX and XXXX I called Associated credit services again and they said they are a collections company and cant help me with this. 
I have unfortunately not been able to speak directly to XXXXXX/XX/XXXXdue to lack of a contact number or paper bill
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

JPMCB CARD SERVICES ( CHASE BANK ) XXXX XXXX XXXX XXXX, XXXX Subject : Demand for XXXX XXXX XXXX and XXXX with XXXX XXXX  XXXX Identity Theft To Whom It May Concern, I am writing to formally demand that CHASE Bank provide the method of verification used to verify the accuracy of the disputed accounts that has been fraudulently attributed to me. These accounts are the result of identity theft, and I have previously submitted a police report and an FTC Identity Theft Report to support my claim. Despite this, the accounts continue to be reported inaccurately, and the credit bureaus are verifying them as accurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( XXXX ), CHASE BANK XXXX XXXX required to conduct a reasonable investigation and must not furnish information that it knows or has reasonable cause to believe is inaccurate. Furthermore, under 15 U.S.C. 1681c-2, once a police report and identity theft report have been provided, the furnisher must block and permanently delete the fraudulent information from reporting. 

I am demanding the following : XXXX. Method of Verification : Under 15 U.S.C. 1681i ( a ) ( XXXX ), provide all documentation used to verify the disputed accounts, including but not limited to : The dates, times, and method of communication with the credit bureaus. 
The name of the individual ( XXXX ) contacted. 
The specific evidence used to verify all of the accounts legitimacy. 
XXXX. Immediate Deletion : In compliance with 15 U.S.C. 1681c-2, permanently block and remove the fraudulent accounts from all reporting. 
XXXX. XXXX XXXX XXXX & XXXX : Under 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), you must cease furnishing any further inaccurate information to the credit bureaus. 

Failure to comply with these legal obligations will leave me with no choice but to pursue legal action against CHASE BANK for violations of the FCRA ( 15 U.S.C. 1681n & 1681o ), including statutory damages, attorneys fees, and punitive damages. 

This is my final notice before legal action. Please respond within XXXX  days from the date of this letter with the requested method of verification and confirmation of deletion. If you fail to comply, I will exercise my rights under federal law, including filing a lawsuit and reporting this matter to the XXXX XXXX XXXX. THE ACCOUNTS IN QUESTION ARE CHASE Account Number : XXXX CHASE Account Number : XXXX CHASE Account Number : XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
1. XXXX XXXX acct # XXXX, has violated my rights 2. XXXX XXXX acct # XXXX, has violated my rights 3. XXXX XXXX XXXX acct # XXXX, has violated my rights 4. XXXX XXXX XXXX  acct # XXXX, has violated my rights 5. XXXX XXXX XXXX ( XXXX XXXX  ) acct # XXXX, has violated my rights [ Inquiries ] 6. XXXX XXXX XXXX XXXXXXXX, has violated my rights 7. XXXX XXXX ( XXXX XXXX ), has violated my rights 8. XXXX XXXX, has violated my rights 9. XXXX XXXX XXXX XXXX, has violated my rights 10. XXXX, has violated my rights 11. XXXX XXXX XXXX, has violated my rights 12. XXXX XXXX, has violated my rights 13. XXXX XXXX XXXX, has violated my rights 14. XXXX XXXX, has violated my rights 15. XXXX XXXX XXXX, has violated my rights 16. XXXX, has violated my rights 17. XXXX XXXX XXXX XXXX, has violated my rights 18. XXXX XXXX, has violated my rights 19. XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights 20. XXXXXXXX, has violated my rights 21. XXXX, has violated my rights 22. XXXX, has violated my rights 23. XXXX XXXX XXXX, has violated my rights 24. XXXX XXXX, has violated my rights 25. XXXX XXXX, has 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 ASection 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( 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 inaccurate.

Last four of SOCIAL SECURITY # XXXX  IT WOULDN'T LET ME PUT IT IM THE REQUIRED FIELD, AND THIS WAS THE ONLY PLACE.
Product: Debt collection

Identity Theft CONSUMER PORTFOLIO S Date of inquiry : XX/XX/year> I am unfamiliar with this company, i do not have a vehicle in which i've financed through Consumer portfolio S. This company as well as a few others are a result of identity theft. I kindly ask that you investigate this matter promptly and remove this debt from hindering my credit report. I have mailed out dispute letters regarding this matter and filed an FTC report on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

The inquiries from XXXX XXXX XXXX : XX/XX/XXXX and XXXX XXXX  XXXX : XX/XX/XXXX are unauthorized and appear to be fraudulent. I kindly request that these inquiries be removed from my Transunion account.
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX, I received a text message validating that I had apply for something, but since identity theft is very common via text messages I did not open the text or link provided in the message. A mont after that XX/XX/XXXX, I decided to look at my credit report in XXXX XXXX app and I had a notification that my score dropped because of a few new inquiries in my credit report. 
XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have not make any inquiries on my credit report since XXXX because I'm not looking to purchase anything at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

XXXX, XXXX, and TransUnion are violating my rights and breaking federal law!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Also this is my second attempt at getting the information removed, but was denied due to address issues. the current address XXXX XXXX XXXX XXXX XXXX is my current address.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/2019 ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

1. My personal financial information including my tax returns, bank statements, and payroll stubs were sent to my real estate agent from my mortgage broker without my consent. 
2. I did not receive my loan estimate for over 3 weeks after I applied for the loan 3. Was informed in an email that I had loan approval from the broker then later informed that the investor had never received any documentation to determine loan approal. This was discovered 4 days before scheduled closing. 
4. The broker has misplaced or lost my personal documents 3 times and is now requesting it be sent a fourth time. 
5. This is with Academy Mortgage in XXXX, Tx Loan officer XXXX XXXX Branch Director XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and mailed in my identity theft report to XXXX, Transunion, and XXXX and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.
Product: Debt collection

I had to go to the ER in jax fl in late 2018 and my insurance covered all the bills except for the {$530.00} and the hospital said they would waive it since i was a teacher and made less than $ XXXX- which was their income cap to waive remaining liability. I faxed in the income docs but the clerk never filed them so they turned it over to collections. It should NEVER have been reported as the hospital said they would waive it for me.
Product: Bank account or service

Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Bank of America and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so.
Product: Mortgage

I submitted a complaint in XXXX regarding this same issue. 

In XXXX, right after my husband passed, I reviewed our finances and noticed that our loan amount was way off and did some research and figured out there was a fraudulent claim from Wells Fargo Mortgage. I have attachments to show proof. 

I'm attaching a document that is a request for release of deed of trust and release to the public trusty showing that we refinanced which we never refinanced. I did some research and the signatures are from XXXX XXXX and XXXX XXXX which you may know are part of the fraudulent cases out there. 

Another document that I am attaching today is a promissory note, according to Wells Fargo. There are two copies, so I'm not sure which one is the legal or if either are, for that matter. Please help me understand these " legal '' documents from Wells Fargo. 

I have two copies of disclosures that I am attaching. One was sent via mail from XXXX XXXX, a Wells Fargo agent, the other document was faxed to XXXX XXXX, when I went into the local office with questions. The two copies have different information about our so called refinance, which we didn't acquire. The copy from XXXX states that the amount of XXXX was given to my husband directly. The other copy that was faxed to XXXX XXXX states that XXXX was the amount of disbursements. Also, this document shows the amount of {$12000.00} was paid to Wells Fargo Accept. Where did amount come from and what is it for? 

Next, are checks that Wells Fargo claims are proof of our refinance. I don't understand these amounts and I need an explanation. We never refinanced. We borrowed {$15000.00} for a credit card. Since that day, somehow in XXXX, our home mortgage loan went from the amount of {$100000.00} to {$160000.00}. {$100000.00} plus the amount of {$15000.00} that we borrowed does not equal {$160000.00}. This is not correct and I need help. Wells Fargo claims that the same day we borrowed the {$15000.00}, we also refinanced. We did borrow, but we did not refinance. 

The last two attachments are from IRS showing our income, if it helps. 

I filed bankruptcy Chapter XXXX, and my house payment is about {$2000.00} monthly and I am trying to hold on to our home. Please help me. 

Thank you. I'm looking forward to hearing back from you soon.
Product: Credit reporting or other personal consumer reports

Santander consumer USA XX/XX/year> Ive reached out to this company multiple times about updating the information on my credit report, company never sent any information regarding my issue, this debt is well over 7 years. I had this loan for over 2 years never made a late payment the vehicle was stole and crashed the insurance company paid blue book value of the car, there was a couple thousand the insurance company didnt pay an they put it on my credit report, there was a warranty in place that was suppose to pay out the money left over but never got any information from Santander. North Carolina state law is a written off debt has to be removed after 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX EquifaxXXXX XXXX, and XXXX  with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.
Product: Money transfer, virtual currency, or money service

I tried to link my PNC Bank account to XXXX so that I could trade stocks, but I was unable to do so due to a recent change they made. I would like this to change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with this company that I ALWAYS PAID ON TIME and I paid it completely off at least once and made huge payments on a monthly basis. I'm a XXXX and my income was impacted by Covid ; I communicated those struggles to Amex and was eventually was offered to enroll in a Hardship program. I enrolled and have been current ever since. However my credit report is reflecting 30 days late for 4 months ( XXXX, XXXX, XXXX & XX/XX/XXXX ). My credit score was in the high 700 's and now I'm in the low 600 's. I've called Amex numerous times asking for help but received rude, poor customer service and no help. I've disputed with the credit agencies multiple times and have had little to now change. It would be nice to have them removed but at this point, I'm simply asking for the 30 days late to be changed to ND ( national disaster ) so my score isn't negatively impacted. I've attached a copy of my XXXX  payment history below for your review. Please help! 


Account Name : AMERICAN EXPRESS Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Status : Open. 

OK+ Show 2 more years Payment history guide 30 days past due as of XX/XX/XXXX to XX/XX/XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian/XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

I bank with capital one and I still havent received my check from XXXX  XX/XX/year> and they said the issue was suppose to be resolved by today XX/XX/year> and when you try to call they hang up
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX XXXX XXXX : acct # : XXXX