23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Starting on XXXX XXXX, XX/XX/2015, on XXXX on or about XXXX XXXX Medical Revenue Service called my personal cell phone claiming to collect a debt I owed for unpaid medical fees amounting to {$450.00}. Prior to this, my insurance had informed me in writing that they approved covering the aforementioned {$450.00} medical fee. During the call, I offered to provide my insurance information so that Medical Revenue Service could file a claim with my insurance to pay this alleged {$450.00} debt. The debt collector refused to take my insurance information, and then insisted on asking for my credit card information. After informing them I do not owe the debt, the debt collector maintained silence on the phone call without hanging up or informing me that they were finished with the phone call. I then asked if they had anything else to speak with me about, and then when they confirmed that there was nothing else they wanted to speak to me about, I ended the call. As of XXXX XXXX, XX/XX/2015, I have yet to receive a written validation notice from Medical Revenue Service. In fact, I have yet to receive any written communication from Medical Revenue Service ; all of their communication has only been through calling my personal cell phone. 

At some point after the initial call from Medical Revenue Service, I contacted the hospital that serviced me to confirm if there were any outstanding fees I had to pay. The hospital did not have any fees, and they confirmed that they did not send any outstanding fees to debt collection.
Product: Credit reporting or other personal consumer reports

My consumer report is showing a closed account from CITI, but it has an updated balance which should not still be reporting on my consumer report this account needs to be removed immediately. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent which I did not provide. Without this information this account needs to be removed.
Product: Debt collection

I have been charged a medical bill that I have no knowledge of. I have never been to that ER. I believe someone used my name or my ID and pretended to be me.
Product: Mortgage

Ocwen mortgage failed to pay XXXX out of my escrow. The insurance company cancelled my policy and did n't rewrite it. They said Ocwen pain but was 30 days late so they canceled me. This is costing me XXXX because they screwed up. PLEASE HELP My name is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX the loan number with XXXX is XXXX. This is n't my fault but they act like it is. They now want to put me in force placed insurance that I ca n't afford. I 'm having issues XXXX. I 'm retired and on a very limited income. PLEASE HELP ME
Product: Prepaid card

I purchased a {$25.00} XXXX gift card from XXXX and the issuer is VanillaGift. I have tried multiple times to pay my cell phone with it and it was denied. I tried adding it to my XXXX XXXX and it was denied even though XXXX XXXX  is the issuer. I have tried to use it online for restaurant purchases and it is denied. I have verified it is active, the balance is {$25.00} and even added a pin - payment is always denied with the message something is wrong with the form of payment. 

I called the number on the back of the card, XXXX entered the information on the front and back of the card, and VanillaGift says the security code on the back of the card is invalid! I have tried XXXX and same thing. There is absolutely no option to speak to a real live person- it is all automated and an endless loop back to sorry invalid security code. 

I paid {$25.00} plus {$4.00} for a deiberate fraudulent card issued by VanillaGift and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving an accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experience in action, violates federal law, and my rights as a consumer. They have also re-entered the disputed items on my credit report with an updated date.
Product: Student loan

Sun Trust Bank is XXXX of the lenders for my student loans. There was a period of time in which I was unable to pay my loan and it became delinquent. This was due to the death of my youngest son, the XXXX of my oldest son with XXXX, followed my the death of my Dad.. Subsequently, I was contacted by a company representative to make minimal payments of $ XXXX {$10.00} per month, in order to return my account to good standing. Given the circumstances, I jumped at the opportunity. 

Once my account was returned to good standing, I applied for a student loan consolidation. As a result, I discovered that the balance for Sun Trust Bank had been increased by approximately & XXXX, which was significantly more than the original amount I borrowed to take courses at XXXX University. Although I did bring this to the attention of a FSA representative while requesting assistance with the loan consolidation process, I was informed that nothing could be done. 

It 's incorrigible that any financial institution would be allowed to take advantage of a person to this extent. My goal is to complete my degree and pay my student loans. However, it 's unethical to charge such an excessive amount of money in the name of providing assistance to someone that is experiencing an extreme financial and emotional hardship. 

Please advise what, if anything, can be done to resolve this issue. 

Thank you. 
XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX
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 the 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, 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this my concern, My name is XXXX XXXX and this is not a third party submitting this complaint.I am being taken advantage of by XXXX, XXXX and Experian. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Student loan

My student loans were previously serviced by XXXX. I wanted to take advantage of the limited waiver opportunity and thus I applied for loan consolidation in XX/XX/2022. In XX/XX/2022, my loans were transferred to XXXX. During the transfer, XXXX of the loans inadvertently fell of the consolidation ( to this date it is unclear what happened ). On XX/XX/2022, I spent a lengthy amount of time on the phone speaking with XXXX, XXXX and Aidvantage. I was advised during those calls that XXXX 's consolidation is completed by Aidvantage therefore they were going to be the ones to assist with my issue. Aidvantage advised me to fill out a loan consolidation addition form since my consolidation was within the XXXX XXXX window which allowed for addition of loans to the initial consolidation. This was done and mailed to them ( Aidvantage ) as advised on XX/XX/2022. Since XXXX, I have tried to follow up on this consolidation without success. Every time I call Aidvantage, I have to re-explain my issues, have my calls escalated to supervisors then I am promised that the issue will be taken care of. I qualify for loan forgiveness at present. However, if my loans are not consolidated prior to my forgiveness date, I will only have this XXXX particular unconsolidated loan forgiven since it is my oldest loan. I have done everything I have been asked to do by Aidvantage and I feel like they are not following through with any of their promises. It should not take XXXX XXXX to add a loan to a previously approved consolidation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies on my credit report. Despite prior disputes, these accounts remain inaccurately reported, and I have not received proper disclosures or outcomes from your investigations. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) in conducting reinvestigations has caused harm, including credit denials and financial difficulties. 

Disputed Accounts Accounts Reported by TransUnion XXXX XXXX XXXX Balance : {$46000.00} Issue : The account reflects incorrect payment history and a status of " 120+ Days Late. '' The reported last payment date of XX/XX/year>, is also inaccurate. 
XXXX XXXX XXXX Balance : {$0.00} ( Closed ) Issue : The account is reported as " Settled for Less than Full Balance '' and " Charge Off '' with incorrect payment and status details. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} Credit Limit : {$300.00} Issue : The account shows a balance exceeding the credit limit, with inaccurate payment history and a status of " 120+ Days Late. '' XXXX XXXX XXXX : {$0.00} ( Closed ) Issue : The account inaccurately reflects repossession despite being paid in full. 
XXXX Balance : {$0.00} ( Closed ) Issue : The account is reported as " Paid Charge Off, '' with errors in the reported payment history and closure details. 
Violations of the FCRA Under the FCRA, you are required to : 15 U.S.C. 1681i ( a ) ( 1 ) : Conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681e ( b ) : Maintain procedures to ensure maximum possible accuracy in consumer reports.Accounts to Be Investigated Accounts Reported by TransUnion XXXX dispute XXXX XXXX XXXX XXXX : {$46000.00} Issue : Reflects inaccurate payment history and a status of " 120+ Days Late. '' Incorrect reporting of the last payment date as XX/XX/year>. 
XXXX XXXX XXXX Balance : {$2800.00} ( Closed ) Issue : Marked as " Settled for Less than Full Balance '' and " Charge Off. '' The reporting of payment history and account closure details is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$740.00} Credit Limit : {$300.00} Issue : Reflects inaccurate payment history, an unresolved " 120+ Days Late '' status, and a balance exceeding the credit limit. 
XXXX Balance : {$810.00} Issue : Reported as " Charged Off, '' with errors in payment history and account status. 
XXXX XXXX XXXX : {$810.00} Issue : Reflects " Collection/Charge Off '' status with unresolved inaccuracies in past-due amounts and payment dates. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} ( Closed ) Issue : Reported inaccurately as " Lost/Stolen Card '' but no proper investigation has been conducted. 

XXXX  XXXX XXXX XXXX XXXX : {$2800.00} ( Closed )
Product: Mortgage

wells fargo bank took it upon themselves to add two unathourized products to my mortgage and illigelly used my credit rating to implament said bank products without my knowledge
Product: Checking or savings account

I am a XXXX veteran I receive my VA XXXX check there, Social security check there and payroll check. Often times I am in an out of the hospital due to my XXXX and I have a care person that takes care of my banking needs. Just recently I have discovered my account has been abused and is in the process of being closed which will put me in a worse condition financially and put me at risk of not being able to pay bills. I would like for the bank to reconsider the closing of my account and unlock it so that my direct deposits may hit and if I have to I will close my own account but this is an inconvenience to someone who served this country. Wellsfargo bank should be ashamed
Product: Credit card

I used my card for a purchase of XXXX XXXX XXXX XXXX. I had already met my minimum payment for the month and I was only using the card for convenience purposes as I had the cash in my bank account to pay for the XXXX XXXX  purchase. I made a payment the same day XXXX XXXX XXXX XXXX Citicard processed the payment before the charge even though I made the charge before the payment. This made it so they could charge interest on the XXXX XXXX I didnt realize it until today. I contacted them and asked if they would reverse the interest on the XXXXXXXX XXXX as I had paid it the same day. They were not empathetic and refused to reverse the interest. Not only that but they then ridiculously offered to reverse it but only if I paid the current statement balance which is over XXXX XXXX  which is including the XXXX XXXX! They are using unethical business practices and stealing money from customers. They are awful at providing customer service.
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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Credit reporting 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. 

I told the XXXX, Transunion, and XXXX to investigate these accounts below. 

XXXX XXXX XXXX Account # XXXX I dont have the full account number but I did add what is reporting on my credit. 



However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

In a previous complaint : XXXX, I asked Bank of America to provide me with the closure of my account. I XXXX  out my account in late XX/XX/year> and asked Bank of America to close the account in XX/XX/year>. They said yes and everything was closed. As such, I should be able to move forward knowing that the account is closed. However, they left the account open and let a recurring payment go through on XX/XX/year>. If the account had been closed like they said it was, then the payment would not have gone through. 

The payment, unknown to me since I thought the account was closed, occurred after I was told the account was closed. The payment, unknown to me, began to accrue interest and fees. Bank of America called these payments late even though they told me the account was closed. 

I am asking Bank of America to remove the late payments since they lied about the account being closed.
Product: Checking or savings account

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Elavons Withheld Reserved Funds and Failure to Provide an Update What Happened? 

On or around XX/XX/year>, XXXX withdrew a significant amount from my business bank account, which I assume is a reserve hold " related to a chargeback. 

Since then, I have made over XXXX calls to XXXX customer service to get an update on the status of these funds. Each time, I am told that XXXX XXXX is the only person authorized to provide information on my case. However, customer service representatives state that the only action they can take is to inform her internally, after which she is expected to contact mebut she never does. 

XXXX customer service assigned a case number, XXXX, yet there has been no progress or resolution despite my repeated follow-ups. I have requested XXXX XXXX direct contact information ( phone number and email ) and tried to reach out myself by sending emails and leaving voicemails, all of which have gone unanswered. 

I have also requested escalation to a supervisor and alternative resolution options. I was informed that XXXX XXXX supervises XXXX XXXX and assured her that she would contact me. However, this, too, has never occurred. 

It has now been XXXX months, and XXXX has not provided a single update regarding the status of my withheld funds. Their refusal to do so, despite my numerous attempts, is unacceptable. 

I request that the CFPB compel XXXX to provide an immediate update on this case, a clear justification for the continued hold, and a resolution to return any improperly withheld funds. XXXX failure to respond and continued obstruction raises serious concerns about its business practices, transparency, and accountability.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 i was notifiy by a recipient that i was sending the recipient {$1000.00}. I didnt authorize this transaction and the recipient said she didnt receive the {$1000.00}. I told wells fargo claim department About this and they said the money went to a XXXX XXXX account under the recipients name. The claim was declined by wells fargo because they said the transaction was made using my username and password, also the recipient is someone whom i sent to and received money from.
Product: Credit card or prepaid card

received XXXX dollar bonus offer bank confirms i am entitled to offer but their rewards center cant find my transactions bank has been no help and gives different reasons each time i call
Product: Credit reporting 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has XXXX my rights! 15 U.S.C 1681 section 602A. States I have to right to privacy. 15 U.S.C 1681 Section 2 ; it also states a consumer reporting agency can not furnish an 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 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 paid off a debt to a collection agency named AFNI and the credit bureau XXXX refuses to remove it from my report. I also paid off my XXXX account and they continue to say it is delinquent. I have proof of payment for both of these debts. And the credit bureaus continue to ignore this and refuse to remove these accounts from my credit report.