23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AR Solutions Inc. located at XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX is currently go after me attempting to collect {$97.00} for their Client, XXXX XXXX XXXX. However, I did not owe this amount of money ; they only provided me page of paper with the account # and amount that I owe them of {$97.00} with no explanations. 
I visited XXXXXXXX XXXX XXXX in XX/XX/year>, for my yearly routine eye checkup. I paid a {$30.00} copay at the time of the visit and received an unexpected bill of {$97.00} later XXXX. I contacted the doctor office inquired about the charge. Their replied was that I owe them {$97.00} and should pay that amount. They did not provide any reasonable explanation or sufficient evidence. I reached out to my insurance company afterward and they told me that according to the Medical Billing Code submitted by the doctor office. I've received some kind of " Special Scanning '' or used " Special Scanning Machine '' which resulted in the extra fee. Nonetheless, I was only given a simple routine eyes check up, First, it took about 30 seconds to a minute for a nurse to take eyes pressure measurement ; second, use eyes drop to dilatate my eyes, I was waiting for 20 to 30 minutes, then the doctor came in and take a look at my eyes the total time he spent with me was about 3-5 minutes. To my knowledge, there wasn't any " Special Scan '' that I received from this visit. It was just a very simple routine annual eyes checkup. I called XXXX XXXX XXXX asked them to reviews the issue but the med billing department refused to be reasonable and insisted that I owe them the amount. 
I requested AR Solutions Inc. sent me the evidence of how or why I end-up have to pay extra money or an explanation, they only provided me only my account # with the amount that they ask me to pay them. No explanations of how they come up with that amount I suppose to pay them or evidence of any kind of " Special Scanning '' or Machine that use for me. 
Thank so much for your help!
Product: Credit reporting or other personal consumer reports

Balance $ XXXX - {$1000.00} I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX XXXX is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices
Product: Credit card or prepaid card

A prepaid card was issue in my name, i never applied for the card
Product: Credit reporting, credit repair services, or other personal consumer reports

Received countless pre approved emails from credit karma for numerous different credit products. I have been trying to repair my credit for the past 5 years and was doing pretty good until I started falling for this scam. My score dropped so much that I have just given up trying to repair it because after trying to acquire the better products and failing. I figured out that I can't even get approved for some secured cards that credit karma said I was pre approved for. I threw away all the years of progress that I had made, by believing that credit karma had my best interest in mind, my life is once again at a stand still with my terrible credit.
Product: Mortgage

On XX/XX/XXXX, I applied for a mortgage loan with Amerisave to purchase a home. I submitted my application on line and waited for a response and/or phone call from Amerisave. After I didn't hear back from Amerisave for more than a week, I contacted an Amerisave supervisor and was immediately assigned to an Amerisave loan officer, specifically XXXX XXXX. 

On XX/XX/XXXX, after pulling my credit for the second time, XXXX XXXX sent a prequal letter and disclosures with an interest rate that was unacceptable at the time. We discussed lowering the interest however, the interest rate was never lowered. 

I was told I was approved and simply needed to pay a {$500.00} application fee upfront. I thought this was strange as I've been approved for mortgages prior to this incident and have never been required to pay an application fee prior to closing the loan. 

Shortly after paying the {$500.00} application fee my request for a loan sat in processing until XX/XX/XXXX. Prior to this date, I'd made phone calls to several people within Amerisave in an attempt to get an update on my loan status, however, I was told due to the 'refi boom, ' refinance transactions took precedent over purchase transactions and I'd 'just have to wait. ' On XX/XX/XXXX, I was informed by XXXX XXXX, a loan processor with Amerisave, my loan had been declined and a pre approval had never been issued. As a result, I requested a refund of the {$500.00} application fee. 

Unfortunately, Amerisave has neglected to refund the application fee, even though its representatives admitted to delaying my loan due to the 'refi boom, ' and failed to notify me within a timely matter of its decision to deny or take 'adverse action ' with regards to my application.
Product: Credit reporting or other personal consumer reports

I informed XXXX and Equifax that account XXXX XXXX XXXX  reporting on my credit report is incorrectly reporting and should not be on my credit report. They are reporting a balance when this account is closed, and the statute of limitations has surpassed. The debt is uncollectable and should be reporting a {$0.00} balance. Furthermore, they are reporting that this account is in collections when it is with the original creditor XXXX XXXX. This is a violation of the FCRA. They were instructed to provide how they conducted their investigation and provide proof of their reporting, but they failed to do so. XXXX has since removed this account from my credit report. I also submitted a XXXX  complaint against the company and the XXXX  has come back saying that the company failed to respond and did not validate this account. I will attach the XXXX  response to this complaint. If this final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. I take my credit very serious, and your lack of professionalism and assistance is gross misconduct. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am anticipating your immediate response and removal of this account just as XXXX has removed it.
Product: Mortgage

I was laid off and still trying to manage everything at the time my mortgage was {$820.00} rounded off. I was attempting to pay something every other week to stay on top of things. I was making my payments through the automated system until I was unable to do that so I then started calling in to make payments, some agents would take payment and some wouldn't take payment because it wasn't the whole amount. It's been a couple of things I find strange. 1. My mortgage went up and I didn't have a clue about it going up to {$940.00}, so everything that I had been paying was based on the {$820.00}. 2. I received a letter stating that an amount of {$3300.00} was due on XX/XX/XXXX. I called in concerning making a payment in XX/XX/XXXX, and of course, at this time no payments are being taken from me because the foreclosure process had started. Not only that I was told a completely different amount of the {$3300.00} that was in the letter, it was then {$6000.00} plus. I asked how did it go from {$3300.00} to {$6000.00} plus and never got an answer on that for me to understand why the letter stated one thing, and I was being told something else. I then asked about my options to see what could be done to save the house. I'm a little confused or don't completely understand the law about going through a modification process and being in foreclosure at the same time. My First sale date was XX/XX/XXXX, and now XX/XX/XXXX. It seems that we're spinning wheels now in this process because I'm being asked for the same documents over again that CitiMortgage has already requested and I provided to them. This request was made on XX/XX/XXXX, which I submitted to them through XXXX on XX/XX/XXXX. Based on the email from XX/XX/XXXX and a letter I received from CitiMortgage stated that the documents asked for in the email and the letter are the documents needed to determine the final decision. I received an email today stating that the file has been sent back for review, as well as two text messages on XX/XX/XXXX and XX/XX/XXXX stating that my application is with underwriting which can take 30 days and they will keep me advised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by TransUnion and XXXX on my XXXX  account ( Account # XXXX XXXX ). 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Installment - Account Status : Closed - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Account closed by consumer - Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX - Account Type : Installment - Account Status : Paid - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$5000.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - Comments : Credit line closed - consumer request - reported by subscriber. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - Two-Year Payment History : Indicates late payments in XX/XX/XXXX and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct TransUnion and XXXX to remove the incorrect late payment information from my credit reports. As indicated by the " Current '' status and the fact that the account has been closed by consumer request with a XXXX balance, the reported late payments are erroneous. 

Please find attached copies of my credit reports from TransUnion and XXXX highlighting the discrepancies, along with any supporting documentation that may aid in resolving this issue. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and Lending Club Corporation with {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXXXXXX XXXX XXXX XXXX, and Lending Club Corporation that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation run inquiries, bearing my wet signature, XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Product: Credit card

Subject : Macys Star Rewards Platinum Account XXXX XXXX XXXX XXXXXXXX XXXX Notice of Changes to Macys Credit Card Account Terms ( XX/XX/year> ) Gentlemen, Congratulations!!! During a period when Macys has been complaining that weakening sales is responsible for the need to close stores nationwide, you have found it beneficial to improve revenues by further increasing finance charges to credit customers in the current inflationary environment!! 

I have so enjoyed my customer relationship with Macys stores over many years that I never noticed the exorbitant APR on my credit account until your recent further increase to 34.95 %!

I have made regular purchases over the years of jewelry, clothing and perfume products form Macys. Had I exercised proper due diligence, I would have noticed much earlier the already excessively high 31.49 % APR on my Platinum credit account ( {$3000.00} limit ). The recent APR increase notice brings attention to Macys policy of fleecing its best customers.

Perhaps this lack of concern for your customers helps to explain the companys current financial difficulties which may lead to it its movement into the dustpan of history. 

With regret, I find it necessary payoff the balance owing on my account and ask that you close the account immediately. I certainly believe that I can find other retailers with more fair customer policies and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

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

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am not liable with this debt with LVNV Funding LLC. I do not have a contract with the collection agency. They didn't provide me with the original contract as requested with LVNV Funding LLC.
Product: Credit card

i can not get on my website they told me i would only have to get a text one time this is everytime i have XXXX p.c.. no phone account i am just sick of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. 

XXXX ) I've only one XXXX XXXX. But on my credit reports, it's showing that I've two XXXX cards, which is clearly false. 
XXXX ) I've no balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my TomoCredit account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} balance for each XXXX card, so it becomes {$190.00} balance for two XXXX cards, which is also clearly false. 

I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$190.00} balance across two XXXX cards, with false late payments still being counted. 

I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been more than 2 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( TransUnion, XXXX, XXXX ). This's a major issue and seriously has to be fixed.
Product: Checking or savings account

Capital One close my account without any explanation by just saying my account is under investigation and they said that if theres any funds left back, they will send it within XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$62.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of getting the credit reporting agency to do what's LAWFULLY correct as far as my credit reporting account. They have failed to delete the account. Investigation was not properly done. They pushed back with letters for me to reach out to the furnisher. 

I made an attempt again a month now as of today and no response. Not only did they not remove the times from my account ; they did not pay me per violation since they refuse to rectify this. Per the FCRA I noticed the credit reporting agency violated these laws as well : 15 U.S. Code 1681i section 602a- I have the right to privacy ( I did not give permission to anyone to place anything on my account 15 U.S. Code 1681i section 604a- I must provide written consent for any accounts. ( The credit reporting agencies as of today has NOT gave me a copy of my consent to do so. ) 15 USC 1681 ( a ) ( 4 ) - Violation 15 USC 1681a. ( e ) - Violation 15 USC 1681b. ( a ) ( 2 ) - Violation 15 USC 1681i. ( 5 ) ( A ) ( i ) - Violation 15 USC 1681a. ( 3 ) Medical information restriction guidelines, which has been violated.

15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages. ( I will like to be compensated for these violations immediately or the removal of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Navy Federal # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy FCU # XXXX 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 an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.
Product: Consumer Loan

I took out a flex loan with Advance Financial. I took out a {$1200.00} four months ago and I still owe almost the same amount. I have paid extra and still ca n't get the loan reduced. I have tried to work out a reasonable payment but they are asking for extra payments instead. Right now, my annual interest rate is 270 %, and all I was told was take out bank loan.
Product: Checking or savings account

On XX/XX/XXXX I was charged XXXX due to a claim made by avis that i owed for a car rental. Though XXXX claimed that i only owed XXXX which they claimed they never recieved in the first place after a few weeks after the ridiculous charge was made to my account, I had XXXX dollars in my account which made me overdrawn XXXX dollars. I repeatedly went back and forth with XXXX and XXXX  XXXX XXXX to understand why I was 1. Being charged over the amount that was claimed by XXXX. 2. Why did they allow the charge to be authorized when I did not confirm this charge knowing I had XXXX dollars in my account and 3. Proceed to tell me they would reverse the charge because I didn't authorize it and continue to allow charges to go toward my account from avis when the card was canceled and the disputes I had made. I made claim after claim in regards to this issue and called plethora of times and have had the phone hung up on me as though I was not a customer of the company, which i am no longer due to the lack of professionalism, communication, and all around treatment by Bank of America they have stole my money charged me an unethical amount of money and stole my piece of mind when a bank handles any of our hard earmed money. As a nurse that has to work long shifts everydayi would expect my money to be authorizedby me and me alone in order to pay for any charge. I wish to take legal action due to the fraud that is at play with this company and what they are doing to other Americans.