23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was billed incorrectly by the hospital. I was told by the hospital that since I was admitted into the hospital for life threating condition that my insurance company would be bill as " in network ''. The hospital coded the bill stating that it was " out of network '', leaving he a large unpaid balance. After fighting with them for over 6 months by insurance agreed to pay the balance and informed me that the bill was taken care of. I have not heard anything nor received any bills from the hospital since. I was notified by XXXX that I had been placed into collections by the hospital for {$120.00} for the XXXX co-pay. My insurance company says that since I was admitted the XXXX co-pay should have been waved. I just spoke to the hospital and was told again, that since I was " out of network '' the co-pay was not waived, but could not explain why ( nor did they deny ) that they never sent me a bill for the {$120.00}. Being placed into collections caused my credit score to drop from XXXX to XXXX. This drop is causing me to withdraw an application at a local bank for a second mortgage on my house because of the negative effect the drop in score is causing to the interest rate the bank can offer. I just paid the {$120.00} to the collection agency ( that is owned by the hospital ), this is a debt that I am certain that I did not owe but restoring my credit score is far more valuable to me than {$120.00}. The inability of the hospital to code their bills correctly has cause not only my credit score to drop by XXXX points but can have long term adverse effect by showing that at one point I was sent to a collection agency for failure to pay a bill. I asked the person at the collection agency if she could note that the collection was entered in error, she replied that she could not, only that it had be satisfied. No one should have the power to damage anyone 's credit history due to their own lack of internal controls and not have the power to remove the credit bureau entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card was opened fraudulently. i have been a vitctim of several data breaches, including the recent XXXX breach. My ssn is on the darkweb and is always used.
Product: Student loan

In the XX/XX/XXXX - XX/XX/XXXX school year, I was currently enrolled more than half-time in an educational program, during this same time frame Navient reported all of my current loans as in default despite my student status ( and having mailed documentation to the loan servicer to provide documentation ). Navient incorrectly reported more than 27 late payments demonstrating an extraordinary intent to induce harm on my consumer file. This has caused a tremendous amount of XXXX. It is my intent to file suit against Navient for these violations.
Product: Mortgage

My mortgage servicer, Seneca Mortgage, allegedly paid my property taxes on XX/XX/2016. It transferred my mortgage to a new service shortly thereafter. The county I live in claims it has n't received the payment nearly a month later. When I call Seneca, I ca n't reach a live human to get information on the disbursement. If I enter my old account number, the automated system just forwards my call to the new servicer, who does n't have any details about the alleged payment except for date and amount.
Product: Debt collection

I have been going back and forth with Portfolio Recovery Associates about them trying to collect a debt against me, not owed, and failing to validate a debt. On XX/XX/XXXX, they sent a fraudulent document claiming the document came from the alleged creditor. This letter was never sent to me by alleged creditor because there was no account with them, so it could not have been sent. Additionally, PRA has been requested on 4 different occasions, to provide anything with my signatures, any transactions history, and any contracts I have ever had with your client. I also advised them that PRA LLC is a 3rd party, so you have no rights to collect anything from the alleged debtor since your company is not on any contracts ( The contracts in which you have failed to provide, in the first place ). I have no contract with you or with this alleged creditor. According to 73 Am Jur, 2d, Section 90-93, YOU HAVE NO RIGHT TO SUBROGATE YOUR COMPANY INTO ANY CONTRACT, WHETHER IT IS BY PURCHASE, ASSIGNMENT, TRANSFER OR TRADE. IF YOU BOUGHT THIS ALLEGED DEBT ( THAT YOU CLEARLY CAN NOT VALIDATE BELONGS TO ME ), THEN YOU DID SO ON YOUR OWN BEHALF, NOT AT THE REQUEST OF ANY ALLEGED DEBTOR, AND THEREFORE ARE A STRANGER TO THE TRANSACTION. Your company can not act as a substitute for the original alleged creditor.
Product: Credit card

We made a purchase for concert tickets and immediately began receiving notices about multiple fraudulent transactions. We contacted Chase immediately and they issued us a new card and removed the charges. A few days later, we received a package in the mail we didn't recognize. It was just part of one of the fraud purchases. We held onto that box for two months before throwing it away. Soon after that, Chase re-instated the charges, over {$1800.00} worth. They say " we received benefit from this transaction '' as their reason for denying the fraud charges. We have pleaded with them that we did not make these charges and only received one package. They say they denied all 4 charges because they all had a shipping address for our home. They will not let me talk to the investigator doing the work, will not provide any proof of items shipped to our house, and only respond with unsigned letters in our portal so we never really know who is working on our case.
Product: Credit card or prepaid card

I applied for a Secured Credit Card through Capital One to which I know I am able to be approved for. I made an honest mistake of uploading the incorrect bank statement to them, a statement showing XXXX balance, and they immediately declined me. Once I called back they refused to accept the correct documents, telling me I would have to reapply and receive another hard inquiry on my credit in a window of 10 days. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair credit reporting act 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 also states a consumer reporting agency can not furnish a account without written instructions
Product: Mortgage

On XXXX XXXX our mortgage with Nationstar was paid off through a refinance. I called Nationstar who told me that it would be up to 14 days before escrow balance would be refunded. On XXXX XXXX I called Nationstar again about the status of the escrow balance refund and then they told me they had 30 days to refund me the balance. I asked for an urgent refund and they said okay that they would have it to me within the next XXXX3 business days and gave me a tracking number for the refund. 3 business days have passed and I contacted them today for the status and they said the refund had been issued but that it would be another 10 days before it would be sent. I asked for an urgent refund and they said that I would receive the check prior to 10 business days but the status of the tracking number that has been provided to me has n't been changed since creating the label. I was told at closing and several times by Nationstar that I would not have to wait more than 14 days for my escrow refund, but yet 28 days later I still have no refund. The money is not theirs!
Product: Student loan

I have made an attempt to get my 1098-E for the tax year XXXX on my student loan servicer. I have received an email in XXXX saying this is available but it no longer appears available. I asked customer support for this document and they directed me to make an account on studentaid.gov which explicitly states it can not provide me my 1098-E. This is massively inconvenient as creating an account for studentaid.gov is a multi-day process and I am just wasting my time now to obtain a document I need for my IRS filing.
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 U.S.C. 1681. 

XXXX ( XXXX  ) XXXX XXXX XXXX CORE LOGIC XXXX SAFERENT SOLUTIONS 1

5 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 an account without my written instructions.
Product: Vehicle loan or lease

INNOVATE LOAN SERVIC Was opened on XX/XX/2019, with total balance of {$6800.00}
Product: Checking or savings account

I am filling a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

The collection agency APEX Asset Management had over 14 different delinquent accounts on my credit report that are negatively affecting me which Ive disputed due to fraudulent charges and accounts I had no knowledge of. XXXX removed all these but XXXX  hasnt. Ive also never received anything from the collection agency and was never informed about being able to dispute these fraudulent activities
Product: Debt collection

Affni Inc a debt collection company purchased a debt from different debt collection company that could n't verify the account, XXXX could n't verify it either and they are supposedly the original creditor, and thus had to remove the account from my credit report. Affni purchased the debt from them and has now reposted the dent and should be in violation of the fair and accurate credit reporting act. The original creditor admitted they ca n't verify it so why are other companies continuing to try to post it on my report and make collection attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the collection account from The XXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed several inquires with experian due to fraudulent activity. The company denied my challenge and then agreed to remove 2 of them in a previous CFPB complaint. This never happened and I was never supplied a new credit report via USPS as promised by Experian in their response. Not only did the company fail to remove the inquires, but it was vague in its response, not indicating which ones would be removed. I Further demand that all challenges be removed as the Experian never provided proof that these inquires were valid. The burden of proof remains with Experian as stated in the FCRA that credit reporting companies must prove information reported to be factual. This has not occurred within the 30 day requirement per the FCRA so I demand that all of the challenged inquires be removed immediately! 

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

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account COLLECTION RESOURCES INC Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that COLLECTION RESOURCES INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

My account was fraudulently compromised onXX/XX/XXXX over XXXX was taken out of my account. I reached out to Chime on several occasions concerning the situation and they keep closing my investigation and dont seem to want to return my funds. They allowed someone to get into my account change my phone number and I had to call them and send it numerous documents so that I could have access to my own account. They admitted to me that someone called and pretended to be me and was able to gain access to my account. I have been fighting for months to retrieve my funds. I know XXXX dollars may not be a lot to some but this was a lot to me. I dont know what to do. I feel like I have exhausted all avenues. Please help me
Product: Credit card or prepaid card

I received a letter  from Sams Mastercard serviced by Synchrony Bank yesterday,   XXXX  /17 stating they will be closing my account.    This company first lowered my limit a few months ago and now they plan on closing it by months end, which is around the  XXXX  of the month.   I contacted them today on  XXXX / XXXX / 17  to explain to them to please look at my payment history as I 'm a good payor, have never defaulted or have been late. They did n't even care, they explained to me to reapply once account is closed. I 'm trying to prevent it from being closed.   I have  XXXX  other accounts wit h Synchrony and they are doing the same thing. They start lowering limits eventually leading to closure.
Product: Debt collection

To Whom It May Concern : This letter is regarding LVNV Funding LLC, which claim a derogatory condition here, such as I owe {$810.00} and {$640.00} which you claim a derogatory condition here. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Student loan

I am set to begin repaying my loans on XXXX XXXX. I called navient to see what my payment options were and they gave me what my monthly payments would be. I asked if the payments could be lowered and they told me that was the lowest they could go. By XXXX I will be paying about {$400.00} and this is not something that I can afford. I believe that these companies are setting newly graduated students up for failure and it is a shame. While I do understand this money needs to be paid back it needs to be done in a decent fashion.
Product: Debt collection

Dear CFPB, Please find my complaint against PennyMac who refused to provide me requested documents - copies of PennyMac 's receipts of payments for my property insurance to XXXX XXXX and FEMA, which PennyMac as so-called Servicer must do from my escrow account.

PennyMac sent me copies of tax payments receipts made by XXXX, XXXX, PennyMac 's tax vendor who is not affiliated with PennyMac.

But PennyMac failed to attach insurance payments receipts.

I demand copies of ALL receipts from PennyMac to XXXX XXXX XXXX company for home insurance from XX/XX/2019 to present time ; and for PennyMac 's payment from my escrow to FEMA for flood insurance which was made by PennyMac in XXXX 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly through out this whole yea disputed this Information and as it stands now transunion has not given me a credit report or allowed me access to Credit report customer service is telling me that there are birthdates and social thats not accurate of mine they have not remove the fraudulent error. I also place a security freeze on my account about a year ago that I cant even remove because this information that is being fraudulently being report to my name they dont allow me to do online disputes or upload any documents nor honor the documents I send in through the mail or access to any of the online services they are really not investigating matter as you can see with the dates of the documents will support my statement in which they are responding they are working on it but sending me letters out stating they are not investigating the matter truly Reference complaints XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed fruadulant things on my report. I can you please remove the fradulant things, they are hurting my credit thank you
Product: Credit reporting or other personal consumer reports

These listed inquiries are not mine, and Im not affiliated with these creditors. Kindly remove them from my credit report urgently.
Product: Student loan

i had a lot of credit card debt from when i was in school. along with {$12000.00} in student loans. i had to file for bankruptcy because they garnished my wages and could barely make it, paying my rent late every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One account XXXX that was opened in XX/XX/XXXX. My pay history shows late for XX/XX/XXXX - XX/XX/XXXX. I paid account full without any late payments.
Product: Student loan

On XX/XX/2024 I submitted an Income-Driven Repayment plan application for an Income-Based Repayment ( IBR ) plan and received confirmation from Federal Student Aid that the application was received. 

On XX/XX/2024 I received an electronic letter dated XX/XX/2024 from Mohela confirming receipt of the IDR Application. However, there was no indication of a processing forbearance. 

On XX/XX/2024 I called mohela and waited XXXX hour XXXX minutes to speak with someone. I eventually spoke with employee ID # XXXX. I asked about why the processing forbearance was not appearing yet. They said they would not put me in a processing forbearance until after XX/XX/2024. This contradicts the federal student aid guidance posted on XXXX XXXX, 2024 and still listed on their site as of today, XX/XX/2204. Without this processing forbearance, it negatively impacts me as a borrower pursuing XXXX as it delays any potential PSLF qualifying periods. 

Below is a direct excerpt from the federal student aid site : If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX  and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or IDR until their application is processed. Interest will not accrue in this general forbearance. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In  XX/XX/XXXX   I was in process of planning a relocation from  XXXX ,  XXXX  to  XXXX ,   XXXX   for a new job. At that time my car insurance was with  XXXX   XXXX . I decided after inquiring to cancel  XXXX   XXXX  insurance in   XX/XX/XXXX  d ue to rate increase moving to   XXXX   to go with another insurance company.  XXXX   XXXX  processed a cancellation credit to my account on   XX/XX/XXXX .  The company then sent me a bill for {$170.00} i n  XX/XX/XXXX . I inquired as to what the amount was for and after being explained what this was for I paid the {$170.00} on XX/XX/XXXX .      In   XX/XX/XXXX , I rec eived a collection notice from Credit Collection Services  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX . This notice was to collect a debt for  XXXX   XXXX  Policy number  XXXX . I immediately contact this company and informed them that they were mistaken this mater was paid, and sent them a copy of the bank statement showing the payment taken out of my account on     XX/XX/XXXX . They informed me that they would investigate and get back too me. I had not heard anything else from them so I assumed the matter was closed, until I received another notice on  XX/XX/XXXX   stating the same thing.     I contact   XXXX   XXXX   who informed me that they do not know how this was turned over and the sent me a statement showing the same policy number  XXXX  showing the amount paid on the date I showed this collection company. I faxed all this information to Credit Collection Services on   XX/XX/XXXX . On  XX/XX/XXXX , this company sent me notice that my documentation was not sufficient o r applicable to adjust my account with them. They are still trying to collect on a debt that is not owed. They are continuing to harass me and damage m y credit score a nd I do not think this is right, when I have and do pay my bills on time.
Product: Checking or savings account

On XX/XX/XXXX I discovered citi bank had locked my account, they refused to unlock it over the phone that evening. the next day on XX/XX/XXXX it took over XXXX hours on the phone with them to get it unlocked, I found out my checking account got locked because a mutual fund account with a conservator was not closed out when I turned XXXX. For reference, that was over 20 years ago. I did not receive any warning my account was going to be locked I received a letter around janurary XXXX that said my account was going to be locked again around the XXXX. I called citi bank, and XXXX departments assured me my account was not going to be locked again. It was locked on the XXXX again, and I again had to spend a lengthy amount of time on the phone to get it unlocked. 

THis is utter incompetence on Citi banks end. I wish them to be fined the maximum amount for illegally denying me my funds.