23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX hospital center never sent me a bill regarding the birth of my daughter on XX/XX/XXXX. Ever other bill was sent in a timely manor and paid by us in a timely manor ( anesthesia, pediatrics, etc ). As I continued to wait 6+ months for my bill I received a phone call from a collection agency. I reached out to XXXX XXXX and after being hung up on and transferred incorrectly, I was finally given a contact. She corrected their mistake and pulled the collection back. I started an auto draft monthly payment agreement with their servicer. Today ( 5 months of making payments on time including my last draft on XX/XX/19 ) I received a letter from medicredit that XXXX XXXX has send my account to collections AGAIN when I am in good standing making the agreed upon payments. I tried to reach out to the same contact as before and am getting my email kicked back. They are incorrectly sending accounts to collection and not sending bills. This happens to multiple people I know and has to stop. Having a collection account could cause me to lose my job. I do not have any account in collections and always pay my bills ok time.
Product: Vehicle loan or lease

Three weeks prior to the lease end, I went for the pre-inspection and was told the front tire 's tread was a little worn, but they should be fine. Wednesday, I went after 186 miles of 3 weeks of driving and they said the tires were bad. Now, I use to work as a mechanic when I was a teenager, on average you lose1/32 per 5000 miles of careful driving but let us say is 1500 miles. There is no way in three weeks the tires went bad on 186 miles. On XX/XX/XXXX, I went back to turn in the second set of keys and requested for the car so I could check the tires with a tire tread tool. It was something, they came up with every excuse in the book so I would not see the car, we do not know if the car is in the lot, it could be in the CPO department or sent to the auction. I guess they are not aware of paper trails or electronic tracking, a dealer does not know where a car is, wow. They looked once and came back with no luck, sorry, So I pressed them again if the car is not on the lot, I wanted to know which auction house it was sent, so I could go and view the car. Then after 20 minutes miraculously the car appeared, like magic. One interesting thing to note the dealers tool is a dial gauge rather than a depth gauge. Using this tool allows for subjective outcomes because is not as accurate. I checked both tires and here is what I found, first they were screwing me out of money, the only tread that was 3/32, below their standards, was the inner one the other three treads were 4/32, or 5/32. The best part is when that I signed the lease, I noticed that the tires that came with the car were regular tires, not run-flats. So, I asked what the issue with the tires was. I was told by XXXX XXXX that BMW no longer comes with run-flats My XXXX all I needed to do was look to confirm at the cars inside the showroom. The audacity and my stupidity of course because you must be with all senses on. At that point, you have been haggling for hours and that is how they wear you down. I hate to call XXXX out because he is an affable guy but know he is costing me money, so I have no choice. At this point, I have to pay XXXX dollars for both tires.
Product: Checking or savings account

I filed a dispute because the transaction was voided by the merchant and never returned to my account, the transaction was done on XX/XX/year> and voided the same day Im still waiting for my refund. I have sent them the voided transaction receipt from the merchant and someone has my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I would like my money returned to my account immediately. I also have another dispute from the same for XXXX XXXX XXXX.
Product: Debt collection

The company FBCS sent me a letter trying to collect a debt that I disputed with another agency in XXXX 2017.  The previous agency has removed the debt from my credit report because they could not validate it. Now FBCS, is trying to collect on that same debt that was obviously sold after validation could not be proven.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX Box XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report # XXXX. 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 CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please DELETE these unknown items from my file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX XXXX {$3200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}
Product: Student loan

This is my second complaint. Sallie Mae is ridiculous. 

I spoke to a rep named XXXX who could not reach my account manager. I have never actually spoken to the account manager supposedly dealing with my account. Never, and the last 4 reps tried to contact her. 

XXXX after listening to my questions said that yes I was given incorrect information multiples times regarding my loan and apologized on behalf of his coworkers. 

I was transferred to another rep, I could not catch his name, but we spoke for an hour. 

He offered me a TRMP plan where for 2 years I have a 2 % interest rate and payments are automatically debited from my account. I hated releasing my banking info because knowing them they will pull when they want and act like they haven't, but after 7 months of fighting this is all they offer. My cosigner is long gone, so it is just me and I have no options. 

The rep stated that I MUST pay {$240.00} on the same day, the XXXX, to keep a delinquency report from happening. So I did, leaving me with less than {$40.00} for the next week and a half. I have been eating 1 meal every 3 days because of this. 

Amazingly enough I was notified that my credit was hit by Sallie Mae for missing my payment, 3 days after it went through. 

They are unbelievable liars and scammers. They do not care about the wellbeing of their borrowers and say whatever they can to get you off the phone fastest. 

It has been well over 15 days and they still have not replied to my first complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX  XXXX XXXXXX/XX/2021.
Product: Mortgage

Complaint Statement : LoanDepot purposely changed the represented payments in the closing documents to appear lower. This change in quoted taxes occurred between the first refinance quote and the closing document signing. 
A potential error rather than intentional misrepresentation is unlikely due to the following reasons : During early correspondence with the Loan Office, XXXX, in email the provided/represented tax payment amount reflected what would have been the correct taxes. This home was originally purchased 1 year prior the Origination loan withXX/XX/XXXXincluded the correct monthly tax payment estimate ) ; ; the fiscal year for XXXX XXXX is XX/XX/XXXX to XX/XX/XXXX ; XXXX XXXX XXXX XXXX advised that the provided tax assessment date of XX/XX/XXXX would have been after the closure of the alleged fiscal year XXXX and that the date of mortgage signing, XX/XX/XXXX, was a date which the updated property assessment would have been available to XX/XX/XXXXLoanDepot ( the incorrect tax assessment and tax payment estimate were as if the home were {$66000.00} rather than {$620000.00} ) ; the Title company taxes provided to LoanDepot shows the supplemental tax amount which adds up to {$620000.00} in XXXX ( This is in reference to the attached Tax Document from LoanDepot which was included in the response email to this complaint during initial, direct, contact it is the Tax Estimate calculated by the title company :XX/XX/XXXX ) ; LoanDepot conducted an appraisal of the home value and conducted an underwriting assessment which showed information such as the original loan amount from XXXX, the payments that were currently being made during underwriting, and the XXXX % difference between the incorrectly quoted tax assessments associated with XXXX % increase in monthly payments which occurred while in forebearance due to covid ( though not behind at all in payments ). 
Violations from Regulations : 12 U.S.C 2609 ( c ) ( 1 ) ( A ) and ( B ) ; 12 U.S.C 2609 ( c ) ( 1 ) ( c ) ; 12 U.S.C. 2601 ; 1026.37 ( c ) ( 5 ) of 12 CFR Part 1026 ( Regulation Z ) : ; 12 U.S.C 2609 ( d ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan Servicing is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX2015. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX 2015. This inaccurate reporting is destroying my credit. I have called Fed Loan Servicing multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when Fed Loan Servicing sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that Fed Loan Servicing sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice.
I am in the process of trying to purchase a home and the fact that Fed Loan Servicing is
showing these loans as 90 days late in XX/XX/XXXX 2015 is inaccurate and is ultimately affecting me in a negative manner.
I 'm asking that Fed Loan Servicing provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.
Product: Debt collection

Weltman, Weinbert & Reis sued me for a debt that was never mine. I incurred charges against an old XXXX credit card, which were fraudulent. Eventually I signed an affidavit with XXXX stating these charges were not mine and were the result of fraud. The matter was settled/closed. XX/XX/XXXX XXXX XXXX XXXX began trying to collect this debt. I called them and told them the matter and disputed this on my credit report, which on at least one bureau the negative info was removed from my report. XXXX then sold this " debt '' to Weltman, Weinberg & Reis, who then sued me. I paid this debt on XXXX to avoid going to court. This is very embarrassing for me and would have been worse, had I gone to court and been portrayed as a dead beat. Look at my credit report and you can see I pay my bills and have great scores. I paid {$1400.00} to close the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a dispute for XXXX on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX XXXX   XXXX XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful
Product: Mortgage

Since our mortgage account was sold to Plaza Home Mortgage I have trouble getting online to manage my account including getting my monthly statements so I called them three or four months ago to ask them to mail me my statements. As of this date XX/XX/2019 I have not received any statements and I can not access my account online at any of their sites. I called them again on XX/XX/2019 and was told that they show my statements were being mailed to me but I have not received any statements by mail. They have the correct address and I know my carrier has not lost all the statements mailed to me. We have lived at this same address for over 15 years and there has never been an issue with our mail. I was told they would request that my statements be mailed to me but I see nothing happening. I know I will have to call them again in a few months since their online sites are absolutely worthless for accessing my account. When I try to login online I get a message that they can't find my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C SS 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may contravene the Consumer Financial Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I have been banking with SoFi for about a year now. You can only deposit cash with one of their debit cards. The one they issued me was defective, the mag stripe stopped working, thus eliminating my ability to deposit my funds. I still needed to pay bills so instead I mobile deposited my check. SoFi canceled my card, AGAINST my very specific instructions not to do so on XX/XX/XXXX. They said they would mail me a new card and it would arrive within XXXX business days. It did not. They made me reorder another one. None of these cards have ever shown as " shipped '' in their own dashboard, and none have ever shown up on my usps inbound mail dashboard either. SoFi did this to me when I first opened my account as well. It took 3 attempts to get my card. I need access to my funds to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. US BANK CONSOLIDATED Inquired on XX/XX/2020 2020
Product: Checking or savings account

On XX/XX/XXXX, I opened a new business checking account at Wells Fargo ( where I have been a member for XXXX years ). On XX/XX/XXXX, I then transferred {$34000.00} to that new account, from my XXXX business account ( which is the reason I opened the new account ). 

I have the confirmation from XXXX XXXX XXXX ) that the transfer was from XXXX from Wells Fargo XXXX However, on XX/XX/XXXX XXXX received multiple emails and notifications that Wells Fargo flagged me for fraud because the check XXXX sent had the recipient addressed to " XXXX '' from " XXXX. '' I was informed that they had frozen my personal accounts at Wells Fargo ( where I have ~ $ XXXX unrelated to this transfer ) and that they are closing all my personal accounts. In addition, they are holding the funds sent by XXXX and will not start the transfer back for XXXX days at which time the transfer could take up to XXXX weeks. 

I was told to go to the bank and show them my transaction in the XXXX app and that I could also pull cash from if I was in person. I spent XXXX hours at Wells Fargo branch with customer service trying to help and as I showed them everything they said they needed. 

Wells Fargo won't release any of my funds without a statement from XXXX, however, I can not get a statement until XX/XX/XXXX ( they say they're holding my funds until XX/XX/XXXX ). When I asked what happens after they close my account, they told me it would take up to a month to get my money that is in my account. 

Wells Fargo XXXX department is unable to show me or the customer service proof that the transaction listed the recipient as " XXXX. '' XXXX XXXX XXXX their XXXX they see the transaction went to Wells Fargo. 

Today ( XX/XX/XXXX ), I received a notice from another bank of mine ( Wealthfront ) that Wells Fargo is reversing a deposit I made to them on XX/XX/XXXX. 

All in all, Wells Fargo is now holding {$75000.00} of my personal funds and telling me I won't be able to access them until XXXX. This is ALL of my cash, which means I have no access to my own money for more than a month ( most likely XXXX ). 

The Customer Service person at the branch is filing an internal complaint, but I am at a loss for what else to do. How is a company able to freeze my funds for XXXX days with XXXX notice, even when I've provided proof that I did make the transaction? I'm unable to access even {$100.00} to pay for food.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with Prestige Financial Services as well as with the credit bureaus directly. This is for a auto repossession in which the car was sold and the amounts being reported to all 3 bureaus are inaccurate, the dates of last activity are all inaccurate, etc. In addition, I am being hit with late fees and late payments are being reported on a monthly basis on a CHARGED-OFF ACCOUNT. How is this possible? According to the FCRA, all information being reported must be ACCURATE AND COMPLETE. Last time I checked, you can't report a late payment on a monthly basis for an account that has been CHARGED-OFF. 

I was sent via mail my contract and sale statement of the vehicle, as a method of debt validation on XX/XX/XXXX. 
I in return I sent a dispute in reference to the amounts and dates being inaccurate and that by law, this must be deleted from my credit file to the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX with no response as of today. 

Is this legal? This repo is from XX/XX/XXXX.