23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a disputed debt with blue shield. In spite of the dispute and their statement that they would take the debt from me against my will through payments they owe me, they sent this alleged debt to collections with no notice. I have sent XXXX letters to this collection agency that this debtt is disputed. They have sent me XXXX letters, called my employer repeatedly and informed them of the supposed debt including amounts and continue to harass me
Product: Prepaid card

I have a bunch of unauthorized charges on my account that were disputed almost 2 years ago. The bank must have closed out the claims without doing an investigation because they reopened it on their own. It was ordered by a judge that they reopen our claims that they closed without investigation and that if they couldn't resolve the claims within 10 days that they issue a provisional credit. For some reason I still have not received that provisional credit and the bank is claiming that the " credits are granted at the liberty of the back office '' which is crazy considering it's literally the law that if they can not resolve the claims they're legally obligated to grant the credits. I've been waiting over a year for them to resolve the claims and I've had to create another claim which also has not been granted a provisional credit or resolved. I'm out over XXXX dollars I have nothing my bank account balance is literally {$0.00} and they have " filed multiple complaints '' on my behalf to the back office, scheduled me for multiple call backs that I never received and still no resolution so I'm just out of the money that was stolen from me and they are above the judges orders I suppose. I'm not sure what I'm supposed to do at this point but I have spoken with everybody I could at that bank and nobody has answers for me other than we just have to wait for them to finish the investigation which is still going on a year later. Please help
Product: Debt collection

I received phone calls and text messages from a debt collector, XXXX XXXX, about a debt with XXXX. I explained to XXXX that I didn't have a debt with them. They stated that I did dating back XX/XX/2024. I sent proof debt was paid but they said it was not. They made me repay for a debt that I had already paid for.
Product: Debt collection

It is my understanding that XXXX wants me to pay them back on a claim that I had coverage for, base on a retaliation of filing a claim against XXXX with the XXXX XXXX XXXX. 

XXXX never sent out an adjuster to inspect my vehicle and with that said, the vehicle never got inspected properly and is a result of an expensive repair.

The approximately cost to repair the vehicle is {$5000.00} and looking for parts to repair the vehicle. There is a balance due of the repairs and when the vehicle is actually repaired. 

XXXX paid me in multiple checks with a total of {$2100.00}. XXXX paid XXXX XXXX {$880.00} directly. XXXX hasn't paid the claim in full and they are responsible for the payment of the claim till XXXX XXXX. XXXX hasn't even paid half the amount owed on the claim. There is an outstanding balance, due to the limitations of the policy for the claim XXXX didn't pay the full amount due. XXXX is aware there are XXXX paid me {$750.00} in a check. This can be verified by XXXX XXXX XXXX  complaint number XXXX XXXX Claim number XXXX. 

The check from XXXX is to cover the balance due from XXXX XXXX knows there is balance due, but couldn't pay out due to the limits of the policy. 

XXXX wants to deal with XXXX on the payment and not me. Regardless if XXXX wants me to pay them back for the repairs, when I had coverage why have insurance? Why isn't the XXXX  stepping in to resolve this matter? 

There is a balance still owed from the above payments, and has been turned over to my attorney for collection, but he is still waiting on the cost of the repairs ( the parts that we are currently waiting on ) before moving forward. 

XXXX and their agent is responsible for all collection cost, attorney and my time.
Product: Student loan

I had my loans consolidated in XX/XX/XXXX by XXXX and The Department of Education. This loan was not done correctly. the company charged me a " Write Up '' of {$30000.00}, and also a " Write Up '' of {$6200.00} '' on top of my other current loans. This makes my total loan amounts look like {$91000.00}. However, I did not take out that much in loans. When I graduated in XXXX my loan debt was {$39000.00}. I have tried calling XXXX who told me that my loan was sold to XXXX and they couldn't help me. I called XXXX and she told me that she does see the discrepancies but now that my loan has been sold from XXXX to Mohela she could no longer help me. I also have had {$25000.00} XXXX on my loans because of my attendence with XXXX. However, since the government charged me {$91000.00} that I did not take out in loans, minus the {$25000.00} dismissed amount the government is still saying I owe {$54000.00} which is INCORRECT. I have been over charged {$30000.00} and also {$6200.00} in fees that have no explanation to them and no one can tell me where these fees came from and what they are for.
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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( 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 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: Checking or savings account

I have 5 accounts in Capitol One bank. With one of my checking accounts I have bill pay. I received a notice from my home insurance company that my homeowners was going to be cancelled for non payment. Out of fear I sent another payment on XX/XX/XXXX of {$170.00} with penalty because it was Sunday and banks closed for information. Called XXXX XXXX XXXX who stated never received my payment. I called capitol one and spoke with a gentleman by the name of XXXX. He said the payment was sent on XX/XX/XXXX. I said today is XX/XX/XXXX. Please tell me what to do. I was advised to call and make a payment over the phone. My response was my payment of {$150.00} was not made by Capitol One and floating around somewhere and yesterday I made another payment with a penalty of {$170.00}. Now your asking me to call insurance company and make another payment. He transferred me to the claims department to XXXX. Who told me He would take care of it. I wanted assurance that XXXX XXXX would be notified of their mistake. He said he could not do that. I asked to speak to a higher up he said I can't they are in the back office than he hung up on me. This experience was a total nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

I received excision XXXX for XXXX at XXXX XXXX on XX/XX/XXXX. I signed a Good Faith Estimate ( GFE ) the same day and paid the agreed amount ( {$11000.00}, which is a 75 % discount of the total estimated amount of {$47000.00} ). The GFE is attached. On XX/XX/XXXX, I received an electronic statement for {$2900.00}. According to XXXX XXXX, the amount of this bill is the difference between what I was quoted on the GFE and what the procedure supposedly cost, minus the 75 % discount I agreed to receive for paying in full the day I received care. The day after receiving this bill, I logged in to view the bill, but my balance was {$0.00}. The payment site said " Your balance has been updated since your last statement. '' There was no balance. ( There was an electronic statement in my account from XXXX, but I never received notification of its existence. The balance from that statement was also {$0.00}, as seen on the attached picture. ) On XX/XX/XXXX, I received an electronic statement for {$46000.00}. When I called the hospital to question the charge, they said I had refused to pay the {$2900.00} bill and, consequently, lost access to the 75 % discount, becoming responsible for the full cost of care. The representative had technical issues and we had to disconnect the call before it was resolved. I made several attempts to contact XXXX afterwards, but I was not successful. 

In accordance with the No Surprises Act of 2020, I filed a Patient Provider Dispute Resolution form with the Centers for Medicare & Medicaid Services ( CMS ) on XX/XX/XXXX. On XX/XX/XXXX, the dispute was decided in my favor ( dispute decision notice is attached ). The third party reviewing the case and CMS determined that I had paid the entirety of my debt according to the agreed upon terms with XXXX XXXX, and therefore did not owe any outstanding balance. Additionally, they decided that XXXX XXXX must reimburse me for the {$25.00} administrative fee I paid to CMS to file the Patient Provider Dispute Resolution form. XXXX XXXX did not respond. They sent my account to collections and I am still receiving calls from Hollis Cobb Associates in an attempt to collect this debt that I do not owe. I fear that my credit has been negatively impacted by XXXX XXXX 's negligence.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : XXXX. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies.

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

XXXX. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 

XXXX. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 

XXXX. XXXX15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 

XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and XXXX XXXX XXXX XXXX XXXX in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Checking or savings account

This is a complaint for Citi Checking account. 

1. Deposits are posted on the account after any withdrawals, causing the account to drop below XXXX, and as a result transactions are being returned to the sender. No one has been able to give me an answer on how transactions are posted. 

2. Theres no way to make a cash deposit at an ATM. The ATMs I use for cash withdrawals are very limited, and they dont accept any type of deposit. 

3. ACH transaction to fund the checking account from my other bank account takes 5 days to show up in my Citi account. In the meantime the funds in the other bank account are not available from day 1.

4. ATM fees from foreign ATMs are over {$7.00}.

5. Citi claims they dont charge overdraft fees, but they hide the fact they return the transactions unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXXXXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Account name : XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 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 so 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. i did not give anyone written consent. 15 U.S.C 1692C 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. Also the credit bureau took more then 30 days to complete my investigation.

made a complaint to my attorney general, the XXXX XXXX XXXX XXXX XXXX XXXX  & the federal trade commission ( FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Synchrony Bank on XX/XX/XXXX regarding a XXXX 's credit card account that they are reporting incorrect information on. By law, they have to respond in 30 days or delete the item in question off of my credit report. They did not respond. I called on XXXX XXXX and requested that they delete the item but they refused. They said they never received my first letter and I would have to mail another one. Every time I call I am told that Synchrony Bank no longer handles XXXX 's accounts as of XXXX so they do not have any information on me and can not help me. I have to argue with them for 10-15 minutes and remind them that they are the ones reporting all of this incorrect information to the credit bureaus and then all of a sudden all of my information magically appears in their system. They can not provide me any details about my account, they say they do not have any information other than showing a past due balance from XXXX. I paid that balance in XXXX ( {$620.00} ) so this account needs to be deleted from all three credit bureaus.
Product: Debt collection

On XXXX Capital One Bank ( USA ) N.A. filed a claim in XXXX XXXX court. On XXXX I was severed a court summons about an alleged debt in the amount of {$2600.00}. This account is closed and has been charged off. Capital One didn't send me a 1099c which is taxable income per the IRS. It's a violation and tax fraud.
Product: Debt collection

Apex Asset Management has never contacted me as required by law before placing this item on my credit report. I have never heard from them and was not given the chance to dispute the charge. I was only made aware of their collection attempts after pulling my credit report.
Product: Credit card or prepaid card

On XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX, Synchrony Bank Credit Card closed the following credit cards with XXXX balances. The cards were the " Discount Tire '', " Conns '' and " XXXX XXXX ''. To my knowledge, none of the cards were ever delinquent. I received notice that the accounts were being closed based on information obtained from XXXX. According to the notice, the accounts were being closed because either high balance to credit limit, or delinquent status, or to many revolving accounts with high balances. 

The company made no attempt to contact me to gain an understanding of my financial situation. 

I find the Synchrony 's actions to borderline on XXXX and immoral, I base the statement on the fact we are coming-off a pandemic year and instead of working with an XXXX to address the need or to understand the needs, the CEO choose to close the accounts in a segment of the population that probably needs assistance.
Product: Checking or savings account

On XX/XX/year> upon checking my bank account transactions history I found 3 charges that were not authorized by me the first Transaction was {$340.00} to XXXX XXXX, WA, US the second was {$980.00} to XXXX XXXXXXXX XXXX WA, US The 3rd was {$930.00} to XXXX XXXXXXXX, WA XXXX US All 3 transactions were made XXXX the same buyer XXXX so I decided to call chime bank dispute center were they open the dispute claim for all XXXX transactions and I contacted XXXX support regarding the 3 charges on my bank account for those amounts and I give them the debit card that was used for those payments and I told them too that I didnt authorize or approve those transactions and XXXX give me the name of the person who made the purchases with my info and they ask me if I know the person I told them no they open the dispute also and all of as suden the second day that chime and XXXX open dispute they close my dispute and denied the claim for what reason they didnt give me the reason and they dont wan na reopen the claim again
Product: Credit card

All of my money was taken from my account including my taxes. I filed disputes, police reports, reported my identity stolen and still did not get my money back or an explanation as to why. My credit has gone down, when my account was compromised it was overdraft almost {$700.00} and chime is after me for money I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy
Product: Payday loan, title loan, personal loan, or advance loan

Someone went to Mariner Finance and used my information to obtain a loan which caused a hard inquire to appear on my credit report and I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted XXXX XXXX to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with Equifax, XXXX, and XXXX. I have yet to receive any response from XXXX XXXX . XXXX XXXX ( formerly XXXX XXXX XXXX ) did violate Family Educational Rights and Privacy Act ( FERPA ) and Privacy Act of 1974 and 5 U.S. Code 552a for the school was never authorized to share my consumer nonpublic personal information with anyone, however, did share my consumer nonpublic personal information with a student loan company.
Product: Credit reporting or other personal consumer reports

Someone use my information and was trying to get loans in my name and use credit builder program to enhance my credit when I was in jail
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and Discover card ( the issuing creditor ) on XX/XX/18. Discover claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want Discover to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.