23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX balance billed be for an emergency room visit on XXXX. 
According to the EOB from the insurance company I should not have been billed. 
I called and was told not to worry it would be adjusted on the next statement. Received a few more statements, then stopped receiving anything. 
XX/XX/2017 I receive a letter from a lawyer regarding this same bill. I did not initially remember so I disputed via fax and asked to send supporting documentation. I received nothing and sent another fax on XXXX stating that I had not received anything and considered the case closed. 
XXXX I receive a notice from XXXX XXXX XXXX XXXX I called and spoke with XXXX XXXX found out what it was for. Called XXXX XXXX and questioned about it.I spoke to XXXX who informed me that I shloud not have been balance billed. Followed up several times and was told that the " XXXX XXXX XXXX '' XXXX XXXX would be notified and would have to pull it from collections. 
I followed-up several times with XXXX I spoke with XXXX and his supervisor XXXX who all promised me that it was being escalated and it would be pulled from collections. 
I called XXXX back on XXXX and spoke with XXXX XXXX and asked her to call XXXX to verify - she refused to call. 
It showed up on my credit report and I disputed it. It was removed. 
I did not hear anything further. 
On XXXX I got an alert that there was a change in my credit report. 
XXXX XXXX XXXX added a collection to my credit report and it tanked my credit 19 points. I immediately called XXXX at XXXX XXXX  - XXXX XXXX - no sound I called back and spoke with XXXX XXXX who could not find anything using my SS # or my last name. I was transferred to XXXX XXXX who told me this was from a hospital visit on XXXX. I informed him that this was already resolved years ago. I also asked why they never bothered to send me something in the mail, but instead hit my credit report. He claimed that they did not have to. He gave me an email to send the proof that I did not owe this. 
The insurance I had at the time was XXXX XXXX which was dissolved in XX/XX/XXXX. I have tried to contact them regarding a copy of the EOB to prove that I should not have been balance billed because I have pulled these papers out so many times, I can not find the original EOB. 

I also intend to write to XXXX and the XXXX Attorney General. 

I pulled out what ever I could find from XX/XX/XXXX and called XXXX XXXX again, this time I spoke with XXXX XXXX who told me that indeed their records show that this was supposed to be pulled back from collections. She was going to escalate it to her boss XXXX XXXX so that XXXX the " Credit Agency Liason '' could remove it from collections. 

Midwest, even though I told them that this was not owed, hit my credit again on XX/XX/XXXX this time with a late payment so yesterday my credit tanked another 9 points. 

This is a nightmare of illegal billing.
Product: Checking or savings account

My account was overdrafted $ XXXX dollars and I can not get into my account. I had no money in my account and I was constantly over charged.
Product: Debt collection

On XX/XX/2022 I received correspondence from a company named as Midland Credit Management stating that I owed {$570.00} I have never done business with this company and do not understand why they have my personal information, my home address, my social security number and I am terrified that these XXXX will continue to extort me for a debt that does not belong to me. And according to the verbiage they sent to me which was charged off and indicates that a 1099C was filed and they are attempting to extort me and commit some type of tax fraud. I have not given this debt collector any consent to be contacting me which in accordance to15USC1692c ( a ) so receiving this bill from this debt collector is usual and appalling. Upon understanding my consumer rights and reviewing my credit report this is a direct violation of 15USC1692d ( 4 ).
Product: Checking or savings account

I am a XXXX XXXX XXXX women and what is being done to me by Citibank is criminal. On XX/XX/2022 My checking account ending in XXXX was blocked by Citibank without any reason given. I called that same morning and was told my account will be closed and a check with my remaining balance of {$38000.00} would be mailed to me after XXXX, I asked to speak to a supervisor and was told none was available at the moment but that they will reach back out to me which never happened. This was the second time Citibank within 4 months Citibank had block off my account, the first time was back in XXXX after I deposited backed up funds owed to me from my Annuity Policy. I was told my account was in process of being closed at the time as well but after calling for two straight days I was able to get a supervisor who verified my account and I regain access to my account which I was told was in process to be closed. Now fast forward to now I am being told the same thing for over the past month with no access to my funds and no way to pay medical expanse, its been over 30 days and I cant reach a supervisor just rude customer service workers says the same thing that my account will be closed soon and that I will receive a check in the mail at some point. To make matters worse I received a visit from a XXXX  human resource social worker because someone felt the need to make a complaint to the city on my well being and to check on my mental state which seem to me like maybe the same customer service worker for Citibank who felt the need to block/closed my account. I called this morning after I noticed 2 direct deposit of {$1300.00} each from my annuity had gone into my Citibank account and was told it was still in process of closing and that they could not stop incoming deposit which makes no sense since the account should of been closed by now so now I am being robbed of even more funds at this point. Ive tried reaching the news at this point since Ive been informed that this is something common that Citibank does to people and just need any help I can at this point. My Citibank XXXX account number is XXXX.
Product: Debt collection

I Sent a validation a debt letter to LVNV Funding LLC and they failed to send in the requested documents that are by law required to be disclose if requested by law.. Instead they sent in a made up documents claiming validation of debt..
Product: Money transfer, virtual currency, or money service

I sent two wire transfers of {$500.00} and {$2500.00} to Coinbase ( coinbase.com ) on XXXX and XXXX, respectively. These transfers were supposed to clear in 1 day. However, despite a week passing and three emails to their support, the money is unavailable. My contacts have been unanswered thus far. 

Coinbase account : XXXXXXXXXXXX Wire transfers info : Item # : XXXX Amount : {$2500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day Item # : XXXX Amount : {$500.00} To : Coinbase, Inc Fee : XXXX Service : Next Day
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

Dear MIDLAND CREDIT MANAGEMENT XXXX, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and MIDLAND CREDIT MANAGEMENT XXXX. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and MIDLAND CREDIT MANAGEMENT XXXX that evidences my agreement to pay the alleged debt in question.

2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : The name of the original creditor, The principal balance of the alleged debt, Documentation of any insurance, securities, tax benefits, or other financial transactions related to the account. 
I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that MIDLAND CREDIT MANAGEMENT XXXX has made false or inaccurate claims regarding this debt.

3. Failure to Provide Account Number XXXX XXXX does not list the full account number associated with the alleged debt. Without this information, I can not verify the debt. I request that MIDLAND CREDIT MANAGEMENT XXXX provide the full account number for proper identification and validation of the alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue with my credit report that requires urgent attention. Upon reviewing my credit file, I discovered an account listed that clearly does not belong to me. This account is being mixed with my credit information and actually belongs to someone else. This error is not only a serious inaccuracy, but it is also damaging my creditworthiness and potentially affecting my financial future.
Product: Credit card or prepaid card

PNC bank took over BBVA They disabled online banking access ( bbva ) and said the login is transferred to PNCs website. But my credentials wont work there, I cant reset my password, and cant register for online banking. 

Ive called their 1888 number 3 times and waited on the phone for 30 minutes each time and it no one ever answers. 

I have no idea what my balance is or how to even make a payment now. This is really shady. 

They sent me my new credit card ( PNC ) but no statements.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions are authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Vehicle loan or lease

Ive tried to get this off my credit for months on a repossession of a XXXX XXXX XXXX XXXX XXXX I didnt have that on my credit score and it was saying I owe XXXX towards the repossessed car
Product: Credit reporting or other personal consumer reports

I have recently identified inaccurate account that are being reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home and these are severely hurting my loan options. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX List account name and date List account name and date You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Consumer Loan

I PURCHASED AND NEW XXXX IN 2014 FROM XXXX STARTED HAVING ISSUES WITH THE CAR IN LESS THAN 3 MONTHS TOOK THE CAR HAD TO GO BEFORE THE STATE OF GA PANEL AND THE CAR WAS FOUND A LEMON XXXX TOYOTA FINANCIAL ALSO KNOWN AS/XXXX HAD REPOTED ME AS LATE WILL NOT REMOVE FROM MY CREDIT. I HAVE CALLED THEM SPOKE WITH SEVERAL PEOPLE STILL WILL NOT REMOVE. SAID THE MARKS WILL STAND I TOLD THEM THAT THEIR CORP OFFICE TOLD ME THAT ALL WOULD BE HANDLED LATER FIND OUT IT WAS REPORTED NO ONE EVER TOLD ME THIS WOULD HAPPEN. I AM SO NOT HAPPY WITH THIS CO. DOCUEMNTS SHOW CAR DEEM A LEMON. BUT STILL THEY WILL NOT REMOVE THE MARKS I FELT WHY SHOULD I PAY FOR SOMETHING THAT WAS NO GOOD THEY KNEW THIS. SO THE MISCOMUNCATION WAS I FELT I SHOULD NOT BE PAYING FOR A LEMON ALSO WAS TOLD THEY WERE TO GIVE ME A NEW LOAN BUTPAYMENT WOULD STAY THE SAME THIS DID NOT HAPPEN. THEY CHANGES THE VEN NUMBER ON THE LOAN TO THE NEW CAR. WHICH I DID NOT KNOW ABOUT UNTIL THE LAST MINUTE. ALSO THE PAYMENTS STAYED THE SAME PER CORP REP FROM XXXX. SO IT WAS MESSED UP FROM THE START. THEY SHOULD HAVE SHOWN THE OLD LOAN PAYED AND CLOSED BUT DID NOT.PLEASE HELP I AM TRYING TO GET THE LATE PAYMENT REMOVED FROM MY CREDIT REPORT. 
THANK YOU XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is not my account and I was removed as an authorized user from this account and it should not still be reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Rep

orting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX they doesnt wan na recibe my letters Ive sending a tong of letter and they doesnt accept it they dont wan na update my credit a lot information on my credit report is wrong or belong to someone else and they dont wan na do nothing about
Product: Mortgage

pennymac charging higher escrow portion than they ate entitled to, pennymac who receives a copy of my bill states my property taxes are XXXX .they afre not they are XXXX per year .spoke with XXXX but because she was having trouble answering question and copped and attitude conversation quickly deteriarated.considering penny ac has XXXX  XXXX already twice borrower or borrower reps entitled to full explanation until borrower understands, under plausible questioning thiis XXXX was not equiped to answer why what would escrow shortage figure have been if base on correct property tax figure pmi wen t down homeowners only increased 20.EXTREMELY DISSAPOINTED
Product: Credit card or prepaid card

In XX/XX/2019, I contacted Capital One as I was unable to access my account and was receiving a message that my information was incorrect, yet I had not changed any of my log on info. I attempted many times to retrieve my account by using the " forgot my username/password '' option but was not getting the emails. It was then I realized that I hadn't been receiving any of my emails from Capital One but I am receiving someone else 's emails. I contacted Capital One and was informed that it was more than likely fraud so they would have to escalate the account for further review and I would receive a call back within 7-10 business days. Two weeks had passed and I had not received a call back so I contacted Capital One again as I was very concerned as I could not access my account. I was told it was still being worked on and that I should not worry about the status of my account being as though it was now past due. I called back a week later to check the status as I was very concerned as I still could not access my account and had received no information to date. I was on the phone for over four hours being transferred from one representative to the next only to be hung up on and of course no one called me back. I called back and requested a supervisor after reaching dead end after dead end with no answer as to what or why this was occurring with my account. The supervisor apologized and stated she would escalate the case again to necessary department and I would need to call in 7-10 days to check the status. I called back again as my account was now approaching the due date for  XXXX as still no access. I requested that a new card be sent out to me as I was hoping I could register a new card and gain access. I was told they could not do that as my account is past due. As of today, I have no answers other than it has been escalated. This isn't affecting Capital One, this is affecting me. My account has not been paid for XXXX and now XXXX because I have had NO HELP in assistance with gaining access to my account. I am sure I have late fees assessed to my account as well as negative credit status being reported on my credit file for something I have no control over.
Product: Credit card

Received credit card statement from Citi - which is a Costco Anywhere Card. 
Nowhere in XXXX PAGES of the bill, could I find where it states who I should make my check payable to. XXXX call : She said Citi Cards then I was disconnected ( my fault ). I called back, another said Citi or Citi XXXX. I explained that I wanted something in writing to say EXACTLY who I should make my check out to. She wanted my full SS #, my complete name and address, and my account number and full date of birth. I would n't give her that so she said she could n't pull up my account. Transferred to Supervisor XXXX ( XXXX ) who said I should make my payment to Citi Bank. Again, wanted all my info so I could get something in writing as to where as to whom I should be making my payments to. I would like to know why a major financial institution is not practicing normal business and financial protocol. If I were running a business, I would be so grateful to a customer pointing out such a glaring omission on my invoices. I hope Citi, or whoever I 'm supposed to make my payments to, appreciates my feedback and gets this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, have viol

ated 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 that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

My student loan was sent to a collection agency in XX/XX/XXXX. 
I have been making $ XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called Transworld Systems , Inc., the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my XXXX, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from Transworld Systems , Inc, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told Transworld, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just XXXX month of no payment since outrageous. Further, it is unclear if XXXX XXXX, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.