23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an XXXX XXXX XXXX XXXX XXXX I have used in the past after they called me to remind me that my XXXX XXXX  was overdue. I provided my insurance and was told I would have to pay my co-pay. When I showed up to my appointment I signed in and gave copies of my insurance card as well as my ID. I confirmed again that the service was covered by my insurance because the person at the front desk. After the appointment I was asked for my card again and was then told that they XXXX XXXX I had on my insurance card was out of network. I was confused because it was the same insurance provider I had given to them for previous appointments without a problem and the same I gave to them when the appointment was made. I confirmed again on arrival and was told it won't be a problem. 
I asked if there was going to be a change in my cost for the procedure and they said no and that they would just submit to my insurance. 

A couple weeks later I received a letter/ bill for {$390.00}. I called and had a conversation with XXXX at their business office. After explaining what happened and my communications with the individual at the front desk XXXX asked me for the individuals name that had told me that I was covered for my exam. I couldn't recall so XXXX asked me to describe her and since she was the only non-white woman at the clinic XXXX knew who I was talking about and seemed irritated in a way that you would if this has been a problem in the past with an employee. XXXX then said that the best they could do is charge me the uninsured rate of {$170.00}. I asked why they tried ton bill me for {$390.00} then and she got confrontational. I then said I'd be willing to pay what I agreed to pay and that was my co-pay of {$50.00}. XXXX said that she woulkd have to get back to me and that is when the letters started. The first letter dated XX/XX/year> asked again for the {$170.00}. I responded via letter that I was willing to pay the co-pay we had agreed upon and then received another invoice for not {$170.00} but the {$390.00}. I sent another letter asking how she was coming up with these numbers and she didn't respond other than sending me additional invoices and threatening collections. The last correspondence XXXX sent me threatened that if the {$390.00} was not paid by XX/XX/year> she was going to bill me {$510.00} via collections. I just received a email on XX/XX/year> from the collections agency asking for the {$510.00}. 

This has been very frustrating and time consuming. I pay my bills but will not participate in a sham like the one I have been forced to with this XXXX XXXX  I have copies of every letter and can provide them if needed. 

Thank you in advance for your help. 

All the best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update or repair these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Equifax cost me over {$55000.00}, tens of hours fighting to resolve an identity fraud issue stemming from them leaking my personal data, and many more hours fighting with a credit card issuer. I have taken copious notes ( with dates and plenty of documentation ) to provide evidence of this. After I filed a formal claim with them, Equifax acknowledged their fault, and that my claim was valid. Yet, they have resorted to lying and unsavory business practices to avoid fairly compensating me. As per the terms of the Equifax Data Breach Settlement website, I was entitled to a maximum of {$20000.00} ( please note, this is *still* less than the amount that was charged to my SSN/credit report due to this fraud ). However, they stalled and avoided my requests for follow-ups over the course of *two* years. I submitted a claim in 2020, checked the website every month or so for status updates on my claim, immediately responded to a request for extra documentation ( which I obliged ), and then one day ( after two years ), they said that I missed a window to provide them an update. So they are claiming that they somehow emailed me an update with a time-sensitive deadline ( after which my claim was nullified ) -- yet I have zero record of this in my email and never received a letter. And now, somehow, when they had to legally pay me a claim ( they sent me < {$20.00}, after all of this ), they were able to contact me about it via email and letter to my apartment. I have wasted so much of my time, effort, energy, and stress on this -- and it turns out it was all for basically nothing, and Equifax won't ever be punished for it or obligated to make it right.
Product: Debt collection

I got a Phone call from someone claimed to be a collection agency trying to forced me to pay a debt. I told her that I didn't recognized the debt she was referring to and I need her to send me a letter of validation and I never received it. Now they sent my name to collection and I want it removed due to not following protocol and not giving me an opportunity to either dispute or pay. Also requesting a disciplinary action against this company for violating my rights.
Product: Credit card or prepaid card

I was told I had 90 days after account closure to use my points. 

At any rate, on XX/XX/2019 I closed my account. 

I have a CHAT saved conversation, where I state that immediately before chatting, I tried to redeem points, and it wouldn't let me. 

The system said Phone Number needed. Even after adding that, I still couldn't use them. The system didn't allow me to press any buttons. 

That was BEFORE I closed my account. 

I suspect that AMEX purposely behind the scenes restricts ability for people to use their points, when the account is late or about to be closed, without knowledge to the customer, and in default of what they say, that you can indeed use the points. 

I firmly believe AmEX is in violation of marketing and deceptive practices. 

I had XXXX, and was unable to redeem them. I have PROOF of this from a chat conversation. 

CONVERSATION OF WEBSITE PROBLEMS AND UNABLE TO REDEEM POINTS BEFORE ACCOUNT CLOSURE IS REFERENCED ON PAGE 3 OF THIS PDF.

scroll TO PAGE 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not blocking accounts on my credit report which are fraudulent. I have submitted a FTC fraud report to them, sent an affidavit which the bank requested & sent them numerous letters which demonstrated I was the victim of identity theft. Equifax continues to not comply with FCRA & I believe are willfully noncomplying. There are numerous XXXX accounts reported to my credit report which are fraud & I'd like them removed. The bank has already discharged these accounts internally so I have no idea how they claim they're being verified ... I need these accounts removed from my account at once ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB There is incorrect error in my EXPERIAN Credit reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act 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: Mortgage

In approximately XXXX the mortgage on my home was sold by XXXX to Nationstar Mortgage. The mortgage was ONLY in my XXXX 's name. I was NOT on the mortgage. On XXXX XXXX, XXXX, my XXXX  refinanced the mortgage to take advantage of a lower interest rate and lower monthly payments. He was contacted by a representative of XXXX XXXX who advised they would be handling the refinancing for Nationstar. The representative came to our home with the closing documents for my XXXX to sign. The representative stated that XXXX XXXX required that he have me, as spouse, sign some forms affirming I was legally married to my XXXX. He further stated the signing of these documents would in no way obligate me to be responsible for the payment of the mortgage, it was just a formality. He also advised that within XXXX days of XXXX XXXX, XXXX, XXXX XXXX would transfer everything back to Nationstar and the relationship between my husband and Nationstar would resume as it was prior to the refinancing. Approximately 30 days later, my husband received a letter informing him the transfer back to Nationstar had taken place, and he again began receiving monthly billing statements in his name only from Nationstar. Over the course of the next several years whenever Nationstar would call our home to speak with my XXXX, should I answer the phone and offer to assist them ( in the event my XXXX was unavailable ) I would be told they were not authorized to speak with me because I was NOT on the mortgage. In XXXX XXXX, my husband XXXX XXXX suddenly. I contacted Nationstar and advised them of my XXXX 's XXXX. They stated they were no authorized to speak with me about the mortgage, because I was NOT on the mortgage. I was unable to keep up the mortgage payments on my own. My attorney attempted to speak with them, but to no avail. On XXXX XXXX, XXXX, my attorney forwarded a letter to Nationstar requesting a history of the loan. On XXXX XXXX, I received letters addressed to my XXXX and XXXX to me from a law firm, XXXX informing me of foreclosure proceedings with the auction of my home set for XXXX XXXX, XXXX. The letters were dated XXXX XXXX, XXXX, XXXX days after my attorney requested a history of the loan. I have been unable to get any response from Nationstar as to how it is I was never on any mortgage with them, they always refused to talk to me, and now they are foreclosing on my home against me on behalf of XXXX XXXX, who was only supposed to be handling the closing of the refinancing back in XXXX. It is my complaint that Nationstar and XXXX XXXX have engaged in certainly unfair, and perhaps unlawful, practices in regards to their handling of the mortgage. My deceased XXXX and I were mislead and deceived by Nationstar and XXXX XXXX. And, to add insult to injury, they have refused repeated attempts to communicate directly on this matter.
Product: Debt collection

Some one sent me money on Zelle and it went thru later on its going to say I owe XXXX how do I owe XXXX when the money went through then since I was at negative with my bank my account got close because Zelle mess up and going to say the money I got sent was in negative
Product: Debt collection

After carefully analyzing my recent credit report, I found several accounts that I believe are fraudulent and were added without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXX XXXX  : XXXX XXXX for {$2700.00}. 
Account # XXXXXXXX XXXX XXXX XXXX Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXX  : Fitness For 10 collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

CREDIT COLLECTION SERVICE : XXXX  insurance collection for {$140.00}.
Product: Checking or savings account

URGENT - Multiple Banking Law Violations DFS Complaint Reference # XXXX Timeline : XX/XX/year> : Capital One froze account without notice Current balance : - {$8800.00} XX/XX/year> : Spoke with Supervisor XXXX who : Refused emergency relief Only offered " Custom Letter '' in XXXX days Ignored exempt funds protections Legal Violations : Complete account freeze despite : Existing Income Withholding Order Pending {$3300.00} interstate transfer No advance notice provided No exemption claim process Protected Funds Violations : Failed to protect minimum {$3600.00} under XXXX No emergency hardship review Denied access to basic necessities Multiple simultaneous collection attempts Current Impact : No access to basic necessities Unable to buy food/water Can not pay rent/utilities No transportation funds Medical needs blocked Work transportation affected Resolution Attempts : Contacted Capital One XX/XX/year> Supervisor XXXX refused relief Filed XXXX XXXX Complaint XXXX XXXX Bank refused emergency funds release Documentation available : XXXX XXXX complaint DTF warrant Income Withholding Order Bank statements Account screenshots
Product: Payday loan, title loan, personal loan, or advance loan

I took out a XXXX XXXX  loan from XXXX XXXX XXXX. I already made a payment of XXXX XXXX  & now I owe more than the loan was ( XXXXXXXX XXXX  ). I cant afford to pay that in full.
Product: Checking or savings account

I started my US bank business account XXXX routing # XXXX XX/XX/2013! I was only able to use my account for a couple months because of the fraudulent accounts being used! Someone took account information of mine and fraudulently moved my account to routing # XXXX and fraudulently opened XXXX and account XXXX routing # XXXX and account XXXX routing numbers XXXX and routing # XXXX which is a different state! I was recently informed every account is still open and under my information but these local US bank managers XXXX XXXX and others have fraudulently kept me out of my account and funds since i opened my account! I started XXXX XX/XX/2013 and linked it to my US account XXXX routing number XXXX and have not been able to use my funds since XX/XX/2013! Now my square account XXXX is showing as a US bank federal account! It is a shorter version of my XXXX that i have never been able to use because of the fraud going on!
Product: Checking or savings account

They locked/ restricted my acccount for no reason. Wont tell me why. Holding thousands of my dollars. Cant access any of my money. Been restricted for 14 days now. Called every day multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the negative accounts and inaccurate name that needs to be removed in my file : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX  / XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX
Product: Checking or savings account

I made 2 transfers into my BBVA both scheduled for XX/XX/20 one for XXXX $ and another for XXXX $ and the Bank never gave it to me and did not disburse the funds as requested and never gave them to me. I also was given 2 refunds that were never given to me also.
Product: Credit reporting or other personal consumer reports

I asked for my data not to be shared through my state laws and a copy of my data, my data was shared and I never received a copy of my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft, someone use my information to obtain Medical Care. The funny part is I dont live in the county where the care took place. XXXX XXXX XXXX ( XXXX XXXX ) Who Ive never done business with or entered into a signed contract has 5 bills listed on my report. The following accounts are fraudulent accounts and need to be blocked/delete from my report. 

1. {$770.00} XXXX XXXX 2. {$500.00} XXXX XXXX  3. $ {$350.00} XXXX XXXX 4. {$350.00} XXXX XXXX 5. {$79.00} XXXX XXXX
Product: Debt collection

The company did not validate this bill was mine instead they sent a settlement letter.
Product: Credit card or prepaid card

Netspend Debit card masquerading as a Bank. 

As of today XX/XX/2020 as I'm writing ( XXXX. CDT ) I attempted to login to my online account. I have found that it is Locked and can not access my debit card information. I previously attempted to call them today only to be put on hold for 30 minutes before hanging up. These folks nickel and dime people to death, especially SSA Recipients who have direct deposit payments. My account was locked because of the numerous complaints I have had with their services, charging overdraft fees, disputing automatic billing of auto renewal payments for services I have been ripped off from. The messages/complaints I send are to a secure email account inside their ( netspend ) website that is also not accessible to learn the status of my account. I want immediate access to online services that I am not receiving as retaliation for sending and questioning NETSPEND about their practices, Disputing payments for services not received online. They have also increased the fees for overdraft patients from {$15.00} to {$20.00} in the past two months. They also " sit '' on direct deposits from SSA and allow only {$300.00} daily limit to access my own monies, resulting in more fees from the ATM/Bank. They are controlling not just my, but all SSA recipients monies held by them which I know brings them a large chunk of interest payments at Banks where the these deposits end up, using the US Government monies paid to NETSPEND CONSUMERS to collect interest on our direct deposited social security monthly payments. To put it simply, they are fleecing me and the people who use their services, and are committing some kind of fraud against NETSPEND CONSUMERS and that US GOVERNMENT. I WILL BE FORWARDING A CC OF THIS COMPLAINT TO THE IRS. Thank you. A NETSPEND account holder whose account is labeled as closed or locked, a Lost debit card, which it is not the case. This is what I get for disputing payments, retaliatory actions by NETSPEND, because the can.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX Bankruptcy and included my auto loan with XXXX XXXX XXXX XXXX. However, they keep saying I have late payments with them for the past 12 months and that I still owe for the car to all XXXX  credit bureaus. When it was included in my XXXX  XXXX Bankruptcy.
Product: Credit card

In XX/XX/2017, I used my chase freedom credit card to purchase a barn door from XXXX, that gave me a wrong product, which was completely different from what I ordered. I chatted, emailed and called the store agent for a solution, and the store manager also contacted me back and promised me a solution. However, in the next couple months they just forgot everything and no updates at all, even I called and tried to reach them many many times. So, I contacted chase credit card company and request for a dispute the charge on the wrong product XXXX provide me, with a series of screenshots I chatted with XXXX agent. What shocked me was, with such sufficient evidence I provided, the Chase credit card company denied my request and chose to protect the merchant who made the mistake!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted the following complaint via the CFPB website. 

Complaint # XXXX On XX/XX/XXXX. XXXX, TransUnion received a dispute letter along with supporting documents regarding the following inaccurate items listed on my TransUnion credit report. CB INDIGO po box XXXX XXXX, OR XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXx XXXX XXXX, OR XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX I received their response on XX/XX/XXXX, stating that these items did not appear on my credit report. They also stated the information may have been updated before they reviewed my report or it was another credit reporting company. Immediately, I checked my report to verify their claims. Upon checking, the items were still listed. I then reached out to their customer support and chatted with XXXX. XXXX also confirmed the items were not there. I expressed to him that they were still listed everywhere I checked. He was not able to explain why. I told him I would wait a while. Here we are over 100 days later and all three items still appear. Not only do they appear on the credit report, but they are also listed in the dispute section of my online TransUnion account. No other bureau is reporting this inaccurate information. 

On XX/XX/XXXX, TransUnion responded with the same exact response they did for my initial complaint. They said that these items did not appear on my credit report. They also stated the information may have been updated before they reviewed my report. Immediately, I pulled my report from their very site to verify these claims. Upon checking, the items were still listed. This is inaccurate credit reporting, falsely representing my credit history. 

No other credit bureau is reporting this information. TransUnion has failed to properly investigate after I have repeatedly asked that they remove the inaccurate items. Your neglect has violated my consumer rights.
Product: Mortgage

Seven months ago I applied for a cash out refinancing with AmeriSave mortgage company. I was approved and provided them with all the requested documents. There were no issues with those. At underwriting, I was informed that XXXX XXXX will not guarantee the loan because the HOAs insurance falls short of the XXXX XXXX  & XXXX XXXX  requirements. The guidelines have an exception that the lender can request but AmeriSave refuses to help and will not let me pay for the extra insurance. I reached out my HOA and they refuse to pay it. Aside from closing my file, AmeriSave has not refunded my appraisal fee, I was locked in at a 5.37 % interest rate but now its over 6.09. When I contacted a different mortgage company, they said that Amerisave was supposed to check the HOAs master insurance plan before proceeding. I spoke to the person at AmeriSave who was assigned to me to deal with this issue and he told me that they did not follow procedure, did not know where the mistake occurred or who was responsible for it. He further said that AmeriSave should have asked for and checked the master policy as soon as I applied and it was in fact their policy to do so, and he believes that the company was in breach of contract. I believe that they acted in bad faith as well, at the very least negligence that has caused major delays and cost me a large interest rate chance since I now have to use a different mortgage company.