23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Children 's Hospital of XXXX ( XXXX ) sent a {$470.00} bill to collections with Amcol Systems that was paid in full through XXXX ( XXXX ). 
-The date of service for the original bill from XXXX was XX/XX/XXXX. 
-XXXX paid via Check on XX/XX/XXXX -I received monthly bills from XXXX. I called in to XXXX on some of those and was told to call back in 30 days if the payment still hadn't posted. 
-On XX/XX/XXXX XXXX sent a letter to XXXX on my behalf detailing that the claim in question had been paid on XX/XX/XXXX and my outstanding balance was {$0.00} ( There was another contact with XXXX sometime after the first conversation to check on the response from XXXX, but at that time they had been unable to get in contact with anybody at XXXX to explain that the debt was paid in full ) -On XX/XX/XXXX I received a letter from AMCOL systems attempting to collect this invalid debt. 
-I drafted a letter dated XX/XX/XXXX disputing the validity of the debt with AMCOL I am also submitting this dispute on XX/XX/XXXX with evidence of the actions taken above in hopes of resolution. I have since moved residences and changed insurance companies due to a job change and this has complicated efforts to resolve this illegitimate collection attempt.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include any report containing information solely as to transactions and experiences ( Payment history and Charge Off status ) between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX person knows or has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a discharge debt. This is now a certificate of indebtedness per the IRS and income that can not be reported on a consumer report. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. The reporting of this account as a debt inaccurate. CAPITAL ONE charged off XXXX. I filed the XXXX on a 1040 tax form. CAPITAL ONE is HEREBY PUT ON NOTICE that they are furnishing incorrect and inaccurate information. In CAPITAL ONE terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX are non affiliates of CAPITAL ONE nor are they bureaus. The only true bureau is the CFPB and they do not furnish consumer reports as stated in federal law. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal and non verbal per 5U.S.Code 552a. Per the FCRA as a federally protected consumer I am opting out any and all authorization I the consumer may have given written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact, inaccurate. CAPITAL ONE has violations totaling 4000 in civil liabilities.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX, CA XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Vehicle loan or lease

Im around 2012 I purchased a XXXX XXXX XXXX. I was placed with santander in a sub prime loan that was very heavy interest front loaded. I fell behind on payments and was behind for a long time. XXXX came and I was out of work and then santander charged off the account as a loss. I still have a balance even after I have paid thousands more than the car was even worth. Of course Ive seen so many lawsuits over the subprime loans but our XXXX  XXXX  didnt opt in to the big lawsuit. What I want is a clear title to be given and the entire amount forgiven. santander has had predatory practices for years and quite frankly it needs to stop. They took advantage of me and likely millions of other Americans. It should not be allowed. The car no longer runs and it just sits in my garage it will no longer even start. I paid thousands over what the vehicle was ever even worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan with HYUNDAI MOTOR FINANC. 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 HYUNDAI MOTOR FINANC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and HYUNDAI MOTOR FINANC with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was  never 90 days late.
Product: Mortgage

My house is in foreclosure at this time Loancare send all my mortgage payments back. I usually paid my mortgage through XXXX XXXX. My payments from XX/XX/2017 got rejected and sent back to XXXX XXXX without any notice to me and been there ever since. I tried calling a few times to get help and had no luck am scare to lose my house.
Product: Debt collection

On XX/XX/XXXX I noticed that my XXXX credit score dropped by 101 points ; it was due to a new collections account from Telerecovery. I contacted telerecovery, but they refused to set up payments for the debt. I then contacted the original creditor, XXXX, and I was able to make payments directly to them. My first payment of XXXX dollars was paid on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX as my credit report did not reflect the changes that a payment had been made. XXXX XXXX with XXXX   then sent me an updated statement showing that the amount had been deducted from my original balance. On XX/XX/XXXX a payment of XXXX was made. On XX/XX/XXXX I filed a dispute with XXXX  and XXXX regarding the inaccurate information reporting on my credit. The results of both was that the company is reporting information correctly. I contacted telerecovery directly and asked why are they not updating my record. Telerecovery stated that XXXX   had not updated the record. I asked if they could contact XXXX to update the record as this information is hurting my credit. They never contacted XXXX. I contacted XXXX and was told that the records are updated in their files. 

Telerecovery is using unfair practices such as reporting inaccurate information to have me pay more money than is owed. I am starting to rebuild my credit after filing bankruptcy and this one company is harming me. I am not able to get an apartment because although they see that my payments are on time with all other creditors, I have this collection account. All I asked before was that they update the amount owed, so that companies can see that the debt was being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXX  Account # 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, credit repair services, or other personal consumer reports

I received my bill from Care Credit ( Synchrony Bank ) and I thought it was too high. I called the number on my bill and was told they couldn't tell me. What? I have never had a credit card that was unable to tell me what I charged! 
I was told to call the merchant but they didn't know who that was! I tried to get on their website, but just went in circles. Now I am afraid to pay it off after this experience.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXX**** Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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.
Product: Debt collection

I work part time, 3-4 days a week up to 5 hours each day. When at work i can not receive personal calls and have very limited to complete the tasks at hand to maintain my job. I have messages stacking up on a daily basis from XXXX XXXX Office of Rash Curtis and Associates harassing coworkers to get me on the phone, when either I am already on the phone or with customers, and disrupting my work performance. Complaints are being made to my superiors about these calls as they are very rude and angry to the receptionist Our phone calls are recorded and monitor so there is proof of the harassment to the people at my job. Calls are even made on days or time that I am not even in the office. I have school Monday through Friday and work in between or after school for about 18-20 a week. I leave my house XXXX to XXXX most days to just to get by and I can not afford to lose my job because of complaints to my supervisors because staff members are being harassed by someone trying to reach me when I am unreachable unless by appointment at my job,
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have received reputed calls from, XXXX, Vital Recovery Services - They state their file number for this debt is XXXX. On 5 separate occasions they have called and I have requested to receive verification of the debt and what the debt is for. They have called dozens of times, but I have only answered 5 times. They have twice given me an email address ( provided by XXXX XXXX XXXX on XXXX XXXX 2021 ) I am required to email to request this information. I have twice emailed this email address ( XXXX ) and requested the information and have not received a response back. I received another call on Wed XXXX XXXX at XXXX XXXX and asked to be removed from their call list. The agent said he would remove me from the list and I told them any further correspondence via email or postal mail was fine, however I did not want to receive any further calls until they had provided me proof the debt which they still have not done. Today ( XX/XX/XXXX @ XXXX XXXX ) I received another call from XXXX after I have requested them to stop calling. I answered and explained the situation to the agent who did not give his name and he was very defensive about why I was not removed from the list. I told him at this point I have requested proof of the debt multiple times and they have refused to provide it and have not removed me from the list as requested. I told them I will be filing a complaint with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$490.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Balance {$100.00} Opened XX/XX/XXXX XXXX Balance {$3600.00} Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9900.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX to make XXXX inquiries on my credit report neither do I have knowledge of these inquiries
Product: Student loan

EdFinancial Services stopped crediting my account for payments it received since XXXX of this year. I've done everything they requested to prove that the payments have been sent, and accepted by EdFinancial, but they have not corrected my account. I've tried calling, emailing, chatting with their customer service reps, but apparently, they are unable to tell me when they will correct this issue. They are reporting my account as 60+ days delinquent to credit reporting agencies, despite continuing to accept payments that they don't credit to my account. When I first became aware of the problem, EdFinancial had accepted {$1200.00} without applying it to my balance. Ive continued to make payments, so the amount of lost funds is now greater. My bank has verified that the payments are being electronically sent to the correct account and address. I've provided this proof to EdFinancial.
Product: Credit card

On XX/XX/18 at approximately XXXX I purchased an airline ticket with my credit card ( an Apple Card through Goldman Sachs ) from XXXX XXXX  XXXX for a flight at the end of the year. Within the hour I called back and requested to cancel the ticket as is within my rights as it was a flight governed under the Transportation Administrations regulations. Unfortunately I was forced to call as XXXX systems would not recognize my reservation in their portal, I assume that I made the cancellation too quickly for their system to have saved the reservation. I was in the phone with XXXX for XXXX minutes with the representative XXXX. I received a confirmation number and awaited my refund. 
However, XXXX denied me a refund so I followed up with a charge back. While I asked Apple Credit Card support for the status and if I could provide documentation for the incident I was told they would send me an email which I never received. Eventually they denied the claim as well without ever taking my input and my documentation. To be clear I requested explicitly to upload my documentation of the events once the vendor responded but the case was closed same day before I could respond. 
The dispute in question is Apple Card ( Goldman Sachs ) Dispute case number : XXXX After the denial I resubmitted the claim, and filed here with the CFPB. 

Below is a summary of the Department of Transportations guidelines regarding these transactions for your convenience : Cancelling a Ticket Reservation or Purchase within XXXX hours of Booking For airline tickets that are purchased at least XXXX days before a flights scheduled departure date and time, airlines are required to allow consumers to cancel their reservation and receive a full refund without a penalty for XXXX hours. 
The airline is required to return the funds promply, prompt is defined as being within XXXX business days if a passenger paid by credit card.
Product: Checking or savings account

MY CD is up for renewal on XX/XX/XXXX  - I called customer service to inquire about renewal and was quoted 5.3 % for a 9 month renewal. I agreed and asked to process that renewal. I decided to open another CD at that rate and called back XXXX minutes later - and was quoted a rate of 5.13 % - saying that the rates had dropped. I asked about the previous call and was told that I would not get the other initially quoted price - since they had a problem with their system not having been updated. The customer service calls are recorded and my version of this call can be verified. I believe that if a bank customer service representative gives me a rate that should be honored. Otherwise- they can process any percentage after I get off the phone without any accountability. I am asking that the XXXX renewal rate of 5.3 % for XXXX months be honored. 

I am still waiting for a supervisor. Banks need to be honest in their dealings with customers.
Product: Checking or savings account

On Friday, XX/XX/XXXX at XXXXXXXX XXXX, I received an email from Relay Financial stating that " Your login credentials have been locked due to suspicious activity ''. I immediately emailed them asking to reinstate the account as I needed to submit some payments. 

I received a canned response on Monday, XX/XX/XXXX at XXXXXXXX XXXX asking a series of questions concluding the email with : " Our security system has temporarily locked your account due to an unfamiliar login being made. As soon we receive this information we can work on troubleshooting this issue. We apologize for any inconvenience this causes. ". 

I followed up indicating that while I appreciated their attempts to keep my account secure, I did not have time to help them troubleshoot their system and just needed my account unlocked. I offered to provide any supporting documentation required to verify my identity but I got the same canned response back. 

After several more emails going back and forth trying to get them to unlock my account, I requested instructions on how to close my account and transfer my balances to a different bank. I was told that in order to do so I had to login to my account online to initial a wire transfer. Following my reply pointing out that I was unable to login and that they were not willing to verify my identity to unlock the account, they sent me the same instructions to help them troubleshoot the issue. 

At this point, I decided to file a CFPB complaint as I was going in circles and not making any progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a credit freeze with all three major US credit bureaus ( XXXX, TransUnion, XXXX  ) I've received a PIN to unfreeze my credit from each of them. 

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider. 
XXXX  worked mostly fine. 
XXXX and TransUnion both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 
These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public.

As an aside, the XXXX  breach settlement was a joke. 

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this same erroneous collection with XXXX  and Transunion several times. I even sent a 611 Act ( a ) ( 7 ) letter to both credit bureaus after my disputes requesting a complete list of all documents and correspondence with and all names and contact information of employees that the credit bureaus spoke with as part of there investigation. I asked for verification to show proof ( something signed by myself ) etc. to show me proof that the XXXX XXXX XXXX XXXX  belonged to me. Never not once did I receive the information I requested and the reason being is because this is a erroneous account that doesnt belong to me. Its really upsetting that I am continuously having this same issue over and over and over again. 


Below is my last complaint with CFPB : I filed a dispute with Transunion and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. The dispute was for a collection on my account from XXXX  ( XXXX  XXXX  ) When I first disputed It, I received a response of Reported by data furnished. I then wrote a letter asking for verification of the collection and also asked for a complete description of what methods the credit bureaus used to investigate my dispute. I asked for correspondence and a list of all documents including all names and contact information and employees that they spoke to in there investigation. I have never received this information from either credit bureau and it has been well over 60 days. I am requesting the removal of this XXXX  ( XXXX XXXX  account ) in which I have no knowledge of being mine from my Transunion and XXXX credit report. 

REPORT NUMBERS FROM PREVIOUSLY FILED COMPLAINT AGAINST TRANSUNION AND XXXX  ON THIS SAME ISSUE XX/XX/2020 XXXX XXXX  XXXX Transunion