23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX on XX/XX/XXXX. After paying over {$2000.00} out of pocket for the different XXXX supplies, etc., I received a bill from the hospital for $ XXXX. I contact XXXX about the bill and found that XXXX denied the claim for 'lack of medical records ' on XX/XX/XXXX. An 'EOB ' was generated on XX/XX/XXXX. The same claim was adjusted for payment on XX/XX/XXXX. Another EOB was generated on XX/XX/XXXX. The same claim was adjusted on XX/XX/XXXX, but there was no change in payment, so no EOB was issued. The claim was again adjusted on XX/XX/XXXX, but again no change in payment so no EOB. The claim was adjusted again on XX/XX/XXXX which reduced the payment XXXX paid from {$2700.00} to {$1900.00}. Even though there was a change in payment, NO EOB was generated. This entire time, XXXX kept advising me to pay my copay of {$45.00}, which I promptly did. XXXX specifically told me not to pay the hospital any other amount. Because of this nightmare, the hospital sent my bill to a collections agency. Not once did XXXX contact me to advise of their mistakes when processing the claim. I only found out about this when I began receiving calls, up to XXXX times a day, from the collection agency. The hospital was tired of waiting for my insurance to straighten out their errors, so they sent the original bill from XX/XX/XXXX to collections. Now, my credit rating has been effected and I am constantly receiving calls and letters for a claim that has been adjusted numerous times. I do n't even know where to start. I have begun the process of filing executive complaints against the insurance company and the hospital for failing to process the adjusted claims. I have also submitted a verification of debt and request for all correspondence in writing letter to the collections agency. I have also initiated complaints through the Consumer Financial Protection Bureau, the Florida State Attorney General, and the local XXXX. This company is ripping off consumers and hoping that people get fed up with the complicated processes and just give up and pay an incorrect bill. Disgusting. I want XXXX to admit their error, contact the hospital to pull back the debt from the collections agency and correct the claim at the hospital so that I can receive a correct bill for my surgery, performed over a year ago, pay the bill and be done with this nightmare.
Product: Debt collection

I received notification from my credit monitoring company that I had a derogatory mark reported. I looked into it and found an open collections account from General Revenue opened on XX/XX/2020. 

I never received any contact from General Revenue prior to them reporting to credit agencies. I did not receive written notification of the debt, nor did they attempt to contact me by phone. Regardless of the validity of the debt, I was never offered the opportunity to dispute or pay the debt before it affected my credit.
Product: Checking or savings account

I live in XXXX Tx, there were several charges that cleaned out both my checking claim # XXXX and claim # XXXX and savings account Claim # XXXX these transactions were made in New York at ATM terminals on XX/XX/21, the bank at first refunded the charges and now they reversed the funds and denied the claim leaving us with a debt, they claim that we need to prove that I was in XXXX at the time, while the complaint was made at the XXXX bank and the credit card was turned in at the bank my identity was also locally verified at the bank on the same day XX/XX/21 all of which is documented at the bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Also my boss printed out my payroll report showing that I had been working in the restaurant located at XXXX Texas not only on XX/XX/21 but also on XX/XX/21, XX/XX/21 were I have witnesses that would sing sworn statements that I was present and working on said dates but the bank refused it as proof of location.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report all Accounts are listed below. 
1. Us Dept Of EdXXXX {$4300.00} 2. Us Dept Of EdXXXX {$4100.00} 3. Us Dept Of EdXXXX {$3200.00} 4. Us Dept Of EdXXXX {$3000.00} 5. I XXXX XXXX XXXX {$840.00}
Product: Checking or savings account

Navy Federal Credit Union illegally put a block on my account after a dispute I submitted regarding fraud transactions. They told me that I will not be issued a new debit card for a whole year due to the fraud transaction as if it was my fault that someone fraudulently used my card. I would like my Business Debit Card to be sent out to me and I would like the fraud transaction to be properly investigated because I was robbed. My account/ debit card was comprised/ stolen from me and money was stolen from my account. Navy Federal legally has to cover me for these fraudulent transactions. Please help me. I do not want to go the legal route. I just want to be treated equally as a consumer. I should be protected for fraud charges as agreed and I want my business debit card to be sent out to me.
Product: Mortgage

Back to 2008 I Pay off my 2nd mortgage. 
With Citi mortgage. 
After paying off they just sent me the congratulations for pay off my 2nd mortgage. Don't have any lien holders release.

Today I'm process my new 2nd mortgage with XXXX home loans. 
They asked the lien holders released. 
I call citi mortgage it out of business. 
I was struck right there. 
I sent the email to XXXX It's not respond..
Product: Credit card

i recently checked my credit report and i see on XXXX XXXX that i have a new hard inquiry from Td Bank/Target that i do not recognize and it resulted with my credit score dropping XXXX point. i file an report with Identity Theft also. i will like this inquiry removed as soon as possible.
Product: Credit card or prepaid card

On XXXX XXXX our credit card account was closed without any notification. I contacted Bank of America who stated the account was closed because of a business decision not to support the type of account we have. They stated they mailed a notice on XXXX XXXX to advise they no longer support the account, which is the same day they closed the account. This put our company in a difficult position and left several of our employees stranded, unable to obtain fuel or make the purchases they needed to make. I understand Bank of America has the right to make a business decision to close an account that may not be profitable to them. However, I believe they should be required to provide advance notice before accounts are closed, especially when the account is in good standing and has not been paid late. Please note : I was a customer of Bank of America for 12 years and this came as a complete surprise and caused substantial disruption to our day to day business.
Product: Bank account or service

Paypal limited my account for no valid reason. They are holding my money hostage, which I earned from ebay sales, fraudulently. I need this money to provide for my business and my bills.
Product: Debt collection

At the beginning of XXXX, I received notification of a debt sent to collections via XXXX. The debt was for a XXXX account claiming to be under my name. I sent disputes to the collection company, XXXX XXXX XXXX, and it was removed from my credit report due to the account not being valid. I was able to provide verification of my cell phone number and address that didn't match the information on the collection account. The account was deemed unverifiable and removed from my credit report in XX/XX/XXXX. Since then, the account was sold to a new company, Southwest Credit, and is currently back on my report as of XX/XX/XXXX. I sent the same verification request to the new collection agency and they can not verify my account. The only thing they sent me was a bill dated back in XX/XX/XXXX. I've been a XXXX XXXX customer since XXXX, the cell number on the documents are not mine, and the address has a XXXX XXXX XXXX Oklahoma where I don't reside. I've lived in California since being stationed here in XXXX with the XXXX. This is extremely frustrating because I'm in the process of buying a home and this unverifiable debt is causing my interest rate to be higher. I shouldn't have to keep redisputing the same account every 6 months and would like assistance in finding a solution to this matter. This company can not provide proof that this debt is mine or copies that show that i have agreed to pay this debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit. My account was not properly investigated, one company gave another company my information and that company is trying to collect. According to the Federal Law USC 1681e ( b ) of validation of debt.
Product: Credit card or prepaid card

Barclays Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Barclays Bank choose not to honor there agreement, I elect arbitration under good faith and they pay the fees. All payments should be returned, due to federal laws.
Product: Credit card

I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form 1099-C and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of Fact and Truth. 

As per the Internal Revenue Service regulations, I have not received the required Form 1099-C, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611, paragraph ( 6 ) ( B ) ( iii ), during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers. 

Attached to this letter is an Affidavit of Fact and Truth, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns may necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.
Product: Mortgage

I arrived home at XXXX XXXX XXXX XXXX, XXXX, NC to find another notice stating my home is being considered " Abandoned/Vacant ''. Is this some sort of ploy by the mortgage company to avoid responding in writing to complaint Case number : XXXX? They are threatening to remove my locks again and lock me out of my home on the grounds that it is " Abandoned/Vacant ''. How can they keep doing this?
Product: Debt collection

I have NO contract with this debt collection service the original debt was discharged and balance was paid by XXXX which I have had for 20 years. I am a XXXX XXXX XXXX  and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX XXXX XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX/XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : Equifax # XXXX, XXXX # XXXX and XXXX # is 2003 but all are the same account being reported..
Product: Student loan

After receiving a copy of my credit report in XXXX of this year, I noticed my student loans were reflecting late payments for the months of XXXX 2015 and XXXX 2015. This did n't seem right so I logged into the national student loan database where all records are held for my federally backed student loans and printed out evidence that in fact my student loans were in forbearance during these months which began XXXX XXXX, 2015 and did n't go back into repayment status until XXXX XXXX, 2015 and where then put back into Forbearance in XXXX of 2015. With the evidence I found, I sent certified mail to all XXXX credit bureaus as well as the XXXX/Nelnet and specifically stated my reason for dispute along with all documentation I had gathered to support my claim. When I received their response, I was in total shock. They specifically stated that they were unable to update any information because I was not specific enough with my dispute and I needed to to provide the following information : -account being disputed -reason for dispute and -specific items I was disputing. I do n't understand how I did n't provide that because I specifically filled in -the account numbers I was disputing - my reason for dispute was that they were in forbearance during the time they were reporting my account late - and specifically gave them the dates my account was in forbearance and the dates they were reporting me as late. I ca n't get much more specific than that. I will include copies of all these items I sent to them as well with this claim so it is known exactly what was sent and I will also include my certified receitps etc. that my claim was received and not addressed accordingly.
Product: Payday loan, title loan, or personal loan

I approached Frost Bank ( XXXX XXXX ) in XX/XX/XXXX for a personal, secured loan depositing {$1000.00} as required and received {$1000.00} as the loan. I paid off the {$1000.00} loan in ten months and requested my {$1000.00} and was told that I was not entitled to the {$1000.00} deposit I had placed to secure the loan since I had already received the loan of XXXX 

I did return in XX/XX/XXXX and followed the same procedure as in XX/XX/XXXX ( including paying off the loan in about 9 months at which time I requested if I would receive my {$1000.00} that I had deposited to secure this second loan ). I did receive the {$1000.00} as I had been told for this second loan. 

While I take medication that can make me occasionally foggy these are the facts as I remember and based on documentation that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

I sent out several affidavits to XXXX XXXX XXXX and Sonnek & Goldblatt. I also sent a cease and desist telling them cease all forms of communication and they still have yet to do that. They have also failed to lawfully validate this alleged debt and they are refusing to pay the attached invoice as well. However, they are now garnishing my wages and I do not consent to these proceedings. I'm sure a court hearing with all the facts and exhibits brought forth will show they are in default by failing to properly respond to my affidavit ( s ) and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account on my credit report with XXXX XXXX and I was informed they no longer have my account. Now the account says in repossession and the car was repossessed over a year ago and the account was closed. The account now says open and is now reporting late payments from XX/XX/XXXX as if the payments were due XX/XX/XXXX. The information is inaccurate and false and damaging my credit  report.
Product: Mortgage

I attempted to refinance my mortgage through AmeriSave Mortgage company. I received an initial loan estimate with a closing cost of {$5600.00}. I was told that here was an application fee of {$500.00} but was told that that would go toward the appraisal so don't worry. Appraisal was done and a closure disclosure was eventually emailed with a closing cost of {$8000.00}. Almost @ XXXX difference. I had 5 days to sign documents or my loan process would be closed. I have been calling to discuss the change for the last 2 weeks and no one answers the phone throughout the company. Have left over 20 messages with the loan officer and company. There is no way I would sign anything without first talking to someone. I've used different phones to call from thinking that maybe they wouldn't recognize my number. I guess that they assumed that since I paid my {$500.00} I would be pressured into signing the documents so I wouldn't lose my money. The old bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just got a copy of my credit report and i saw that someone opened a XXXX account in my name. I have never had a XXXX account the address listed is not associated with me. I am attaching my ID that has my address and also social security card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report numerous times with Transunion. This goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to Transunion have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau