23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX hospital of XXXX XXXX has been sending us medical bills asking us to make payments on bills that have already been paid by the XXXX our health insurance company. They recently sent XXXX of our bills to a collection agency called Firstsource advantage. Firstsource advantage has been leaving automated messages on my wife 's work phone. They also sent us a letter in the mail trying to collect the money. My wife, out of panic made a FULL payment of those amounts resulting into a double payment to XXXX hospital. I am attaching below XXXX payments XXXX made to XXXX hospital including the EFT payment code and date. XXXX hospital is trying to collect the SAME bill from us. 

1. Claim DetailsLearn More About Your Claim Details and Paying Claims Online {$300.00} Total Amount billed by Health Care Professional : {$220.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( You ) Date ( s ) of Service : XXXX : XXXX : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT Number:XXXXHealth Care Professional : XXXX XXXXYou PayYour Plan PaysAmount $ XXXX received by XXXX on XXXX/XXXX/2015 {$220.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open XXXX, WITH XXXX $ XXXX paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : CLAIM XXXX DetailsLearn More About Your Claim Details and Paying Claims Online {$420.00} Total Amount billed by Health Care Professional : {$290.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( Daughter ) Date ( s ) of Service : XXXX : MedicalStatus : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT XXXX Care Professional : XXXX XXXX PayYour Plan PaysAmount $ XXXX received by XXXX XXXX XXXX/XXXX/2015 {$290.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open AllMEDICAL SERVICES $ XXXXNot paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : THIS IS A SCARE TACTIC BEING USED TO COLLECT MONEY ON BILLS WHICH WE DO NOT EVEN OWE.. NOT ONLY ARE WE CALLED BUT WE ALSO HAVE TO LIVE IN THE FEAR OF BEING REPORTED TO CREDIT AGENCY AND OUR CREDIT HISTORY WRONGLY MANIPULATED. THIS IS UNETHICAL AND IMMORAL. XXXX and XXXX 's hospital IS RESPONSIBLE FOR IT BUT SO IS FIRSTSOURCE ADVANTAGE llc. WE WOULD LIKE OUR MONEY BACK. PLEASE CONTACT US VIA PHONE OR EMAIL FOR FURTHER QUESTIONS.
Product: Credit reporting or other personal consumer reports

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
This account is inaccurate XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complaint against Resurgent Capital Services in XXXX - XXXX XXXX. 

On XX/XX/XXXX CFPB rec 'd a letter from XXXX stating they had researched my complaint and agreed it was not my debt. 

On XX/XX/XXXX I rec 'd another letter from XXXX saying they verified the debt with a copy of the credit card statement they sent earlier. 

On XX/XX/XXXX I sent a letter stating they had agreed on XX/XX/XXXX that it was not my debt and the stop contacting ( included copy of the XX/XX/XXXX letter. ) On XX/XX/XXXX Resurgent sent another letter for the same credit card number ( copy of statement included with letter ) stating " we therefore deny the alleged inaccuracy because our believe that our information regarding he account is accurate '' How do I make this stop - PLEASE HELP
Product: Debt collection

I have sent a notice of dispute proof of claim to XXXX XXXXXXXXTriad Financial Services . All I received was a copy of a contract and nothing else that was requested in the Demand. A collector can't continue to collect on a debt after you've made a written request to verify the debt. But that FDCPA violation was ignored. Because I continued to get letters of late payments and even a letter threatening repossession. After receiving a written dispute, the collector must stop collecting on the debt until you have received verification. I have not received requested verification needed to validate. The dispute was never submitted in the comment section of the consumers consumer report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle and my financial institution failed investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking transactions was unfeasible. The CFPB 's findings indicate that Zelle not only neglected to protect their consumers but all allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

USAA Federal Savings Bank is retaliating against me for filing complaint number XXXX for failing to refund my money on a credit card. I called them to report a Dispute on my USAA Checking Account and they have done nothing for 5 days, but give me excuses why they can not give me a provision credit. I have all the documentation for the two charges of {$80.00} for a Deposit for Electric Services and {$120.00} for prepaid energy services that XXXX XXXX was unable to deliver upon. XXXX XXXX said they could get me electric service in about 7 days. They said they could not get me the service after I paid them my last {$200.00} because I needed to get and Easement from some unknown person and they sent me a bill for {$2000.00} approx that they did not discuss when I opened the account. I have closed the account and they have not refunded my money. USAA has not assigned anyone to investigate the case, because they are trying to create Fake Fees OVERDRAFTS in my account. This is retaliation and the FDIC should be notified, because they must be some pretty big irregularities at USAA. It sounds like some kind of Ponzi Scheme is going on at USAA.
Product: Debt collection

Please find the attached record of the account being deleted XXXX. 

I contacted Transinion previously to have an investigation completed yet they havent provided me with anything. 

Transunion failed to properly investigate and resolve my previous dispute. 

XXXX has provided me with the attached letterhead stating I have no account. If the merchant is unable to locate the alleged debt, how does transunion still hold me responsible. 

XXXX, XXXX have deleted the account. Transunion continues to illegally use my name and information to further cause me economic distress
Product: Payday loan

On XXXX/XXXX/15 I noticed an unauthorized deposit in my checking account in the amount of {$800.00} from Kickstand Lending. I never heard of Kickstand lending, I have not applied for a payday loan, I did not sign any loan documents either with a wet signature or electronic signature and I certainly did n't give them authorization to access my checking account. My bank is disputing the deposit at this time. I also just checked my credit report and a company by the name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX requested my credit history on XXXX/XXXX/2015 on behalf of Kickstand Lending. I did n't authorize this either. I googled Kickstand Lending and found an email address for them ... wrote them about the situation and they said the loan was requested on XXXX/XXXX/2015 from an IP address of XXXX ... when I traced this address, it 's in XXXX ... I 'm in XXXX and have n't traveled anywhere outside the region in the last five years.
Product: Checking or savings account

I have been a victim of identity theft through cash app. Someone impersonated my friend on XXXX and scammed me {$900.00} on cash app as well as took over my XXXX and stole my identity. 

As soon as I realized what happen I put a fraud claim in work my bank- Bank of America and contacted the police for a police report. 

I followed up weekly to see the status of my claim as well as unfreeze my account everytime funds came in to withdrawal them and refeeeze my account to avoid any further funds being stolen. 

After about 2 weeks the bank told me they filed the wrong claim and needed to file another claim.

I was randomly checking my account one day and saw the claim was closed- no letter mailed to me- when I called they said I was at fault- when I once again explained the situation the said they were doing another claim, the previous person I spoke with never corrected the first claim. 

I am already 90 days in the process at this point, and trying to buy a house so this is more frustrating and I am told that the new case can take another 90 days. 

Meanwhile through all this I have been told conflicting information from various employees on the process of freezing abs unfreezing my account, come to find out my account is not being property notated- and this is how the fraud department handles things? They cant even get procedures straight, very alarming I submitted numerous complaints and ask that they be followed up on, never received a follow up. 

The initials fraud took place end of XX/XX/XXXX, last week once again I am looking at my account to find out they are now closing my case again with me at fault because the fraud happened through cash app- which was known the very first say the first claim was submitted, why Put me through over 3 months of waiting, and misinformation? 

They are now saying I am responsible for the {$900.00} taken from me and they will try and deduct the funds XX/XX/XXXX I am enraged with how horribly this was handled. And that my complaints were ignored, I work in banking and know this is unacceptable.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally dispute the late payments that have been inaccurately reported on my credit report. Specifically, the following late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 These entries are in violation of 15 USC 1681 ( a ), which mandates the accuracy and fairness of credit reporting. Additionally, XXXX XXXX XXXX XXXX XXXX, I am protected under 15 USC 1681c-1 , which ensures that special protections are given to individuals XXXX XXXX  XXXX, including the prevention of errors in credit reporting. 

I have attached documentation that proves my XXXX  status during the time these late payments were reported. Therefore, these entries should not have appeared on my credit report, and I request immediate removal of these inaccuracies. 

Please investigate this matter and confirm the correction as soon as possible. 

Thank you for your time and attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my account without written instructions.
Product: Credit reporting or other personal consumer reports

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related.

alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 
XXXX XXXX  did a inquiry on XX/XX/2023 2023
Product: Credit card

I was an American Express platinum card member since XXXX. In XX/XX/XXXX, I was informed by Amex my accounts were canceled, my accounts were current in XX/XX/XXXX, but in XXXX I had a $ XXXX balance, which was not unusual -- I believe my accounts were canceled because some payments to Amex were returned, but ultimately cleared when retried. In XX/XX/XXXX, I was contacted by a person allegedly from Amex collections, this person had detailed knowledge about my accounts, and that I was speaking to customer service at Amex, including what my inquiries were about. The information they had, and the timing was such that I can not imagine an American Express employee was not involved in this fraud. I was offered by the fraudsters a settlement under Amex 's XXXX XXXX, which a XXXX search showed the existence of an XXXX XXXX ( according to a forum on XXXX -- I now doubt that post was legitimate ). The offer required me to pay {$30000.00} then, with another after XXXX weeks and my cards would be reinstated and credit report fixed. I sent $ XXXX by wire, but aside from this fraud aspect, American Express did not at all address the issue of the fraud. Since my accounts were canceled they had no interest in helping me. I can only wonder if there is some communication between a criminal element and an Amex employee in the collections department.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies thats reporting on my report are : XXXX XXXX XXXX XXXX for the amount of XXXX I have files a complaint with the credit bureaus and the FTC and the companies are reporting accounts that are fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau XXXX, XXXX, and Experian failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.
Product: Debt collection

CONSTANT PHONE CALLS ARE BEING MADE TO THIS NUMBER WHICH IS MY FAMILIES NUMBER NOT MINE. I HAVE TOLD THEM TO STOP NUMEROUS TIMES AND THEY CONTINUE TO KEEP CALLING. THEY ALSO CALL MY PHONE NON STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

This company calls me at least 3-4 times daily and now I have been contacted by old friends whom Transworld Systems called directly telling them that I have student loan debt and demanding information about my employer, address, phone number etc. This is absolutely embarrassing and unacceptable.I still have no idea how they were able to get their numbers but my privacy is completely comprimised.
Product: Debt collection

MDS reported a medical debt with XXXX hospital to the bureaus. I did not give them permission to share this info, violation of XXXX. I paid the debt to creditor. I faxed proof of payment, I sent proof of payment registered mail. I disputed the amount with the credit bureaus that it was paid, and this company still confirmed to the bureaus that it is still owed when it is not. Violation of FDCPA, FCRA and HiPPA. Totally unacceptable.
Product: Mortgage

Have right to prepay mortgage - each time I 've prepaid, mortage payment is not allocated to correct accounts ( eg mimum payment vs. additional principle ). Most recently, although paid ahead two ( 2 ) months, received a notice saying that 'there are unapplied funds ' that they did not know where to place. As each payment has been accompanied by a payment stub that outlines where funds should be applied ( still pay by check ) I 'm confused as to why this continues to happen. Given that they are now holding out funds vs. applying to principle ( as outlined in my payment stub included ) technically means they are earning interest off of the principle amount NOT reduced by this amount of funding/payment being made. Name of mortage company is now Mr. Cooper (  previously, XXXX XXXX XXXX ). They are also stating that there is a 6mo prepayment heirarchy - this is the second item I want to dispute as there should be no cap to number of months that I should, contractually, be able to pay for whatever period in advanced as it is a 'no prepayment penalty ' mortage they are servicing.
Product: Checking or savings account

XXXX/XXXX/293 I Called chime to let them know my email that is associated with my account was changed without my authorization and I requested a letter stating that unauthorized changes were made to my account and that is why I was closing my account from supervisor XXXX, supervisor XXXX, XXXX XXXX XXXX, and XXXX from protection team. After ending my call with XXXX XXXX from the protection team I was sent a fraudulent email stating that chime had decided to part ways with me which is untrue & my account would remain open until XX/XX/XXXX although I requested immediate closure. I then called and spoke with XXXX account supervisor who stated she cant give that letter due to my account not closing until XX/XX/XXXX and I need to speak with someone in a different dept. I then was transferred to another rep and I informed her I would be reporting this.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX  have reported the status of my accounts as Charged off but have not sent me the necessary tax forms ( 1099-c ) to report the charge offs as income.
Product: Debt collection

On XXXX2018 I had to visit XXXX XXXX XXXX. Upon receiving the bill of {$6200.00} for a 2 hour visit ( nothing was done except a check up and a XXXX ) I attempted to call and request detail billing. Nothing was sent. I sent my insurance detailed billing in hopes they would make the proper adjustments, however they refused. Now a company called Aargon Agency Inc is attempting to collect this invalid debt. I have sent proof of this to Aargon and let them know I will only deal with the original creditor and Aargon is still attempting to collect. This is not right.
Product: Debt collection

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unatuthorize inquirities on my experian credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my XXXX and XXXX credit reports, I have also called and disputed with them also and it still remains on my credit reports. For experian there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. XXXX has 2 unauthorized inquiries, from XXXX XXXX XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. XXXX 5 unauthorized inquiries XXXX TX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX and XXXX OF XXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.
Product: Student loan

Per the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : TransWorld Systems has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed things are incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : FSB XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX