23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received two notices from XXXX XXXX XXXX that it was attempting to collect a debt on outstanding medical expenses. According to the notices, I was given until XX/XX/2022 to dispute the debt. Today, XX/XX/2022, I called XXXX XXXX XXXX to pay the bill. The woman I spoke with at XXXX XXXX XXXX referred me to Americollect XXXX Inc. and gave me a telephone number for them. I called Americollect and spoke with a woman who took my background information ( i.e., name, address, etc. ). This woman told me I had two outstanding accounts in the total amount of {$780.00}. The woman said she'd get someone on the phone to take the payment. I then spoke with another woman, who identified herself as XXXX. XXXX took the same background information. XXXX confirmed there were two outstanding bills. She said the outstanding amount was approximately {$1200.00}. I said I'm not paying that ; I'm only paying the {$780.00}. I asked where the total came from. XXXX said it was " legal costs. '' I said what do you mean? She said " didn't you get a summons and complaint in the mail? '' I said no I had not, and, furthermore, my notices gave me until XX/XX/2022 to dispute the bill. I told her that I thought she was in violation of the fair debt and collection practices act. She said she'd need to check with someone else. I was on hold then for about 7 minutes. XXXX came back on the phone and said she checked with " legal counsel '' and the balance was {$780.00}. At that point, I asked her to repeat what amount she originally had asked me to pay. She refused to answer this question. Instead, she responded, in an irritated tone, " Do you want to pay the bill or not? '' I then paid {$780.00} by credit card. I asked how will I be compensated for the FDCPA violations. XXXX said she'd need to get a supervisor on the phone. After a 10 minute wait on hold ( only interrupted by XXXX saying " someone will be with you shortly '' ), I spoke with XXXX, who identified herself as a " coach/leader. '' I told XXXX to preserve the recording. XXXX said they record all the phone calls. I explained my situation to XXXX and told her they were in violation of the FDCPA. She said do you want to make a complaint. I said I am right now. I also said I am considering legal action. XXXX asked " who is my attorney? '' I responded I am an attorney. I then gave her the name and address of my law firm. XXXX promised that their legal counsel would be in contact with me.
Product: Checking or savings account

On XX/XX/XXXX my mother and I entered the Chase Branch to just cash a check and get a couple of certified checks. The check is a life insurance benefit check that I receive from the insurance company due to my dads death. I was the beneficiary. The plan was to cash the check since it was drawn on Chase, but they were unable to just cash it because the amount. I was splitting it with my mom and little brother. To help my mom get caught up on bills, and with my brother because I know my dad didnt intentionally leave my brother out of an inheritance. He always wanted to make sure that we were okay. Nobody knows the time or day and we definitely didnt expect to be without my dad this soon in life but he did something to make sure that we were okay in the event that something happened to him and now those funds are unjustly being held. They couldnt cash the check due to the amount. At the assistant managers direction, she told me to sign the check over to my mom and for us to deposit it into my moms Chase account, which we did. This is the banks manager, we didnt think twice about it, because the manager is trying to find the best solution and knows how things operate. We were told about a standard hold which we were okay with. My moms account was flagged for fraud due to the check being signed over. Fraud is far from the case, no ill will or bad intentions. My mom was told about the verification process so we got a phone in my name to try to comply and get the situation resolved. I just recently turned XXXX, I have no credit or anything. I was supposed to get my first car with that money and invest in my future. The manager called the department or back office on our behalf stating that we we were directed by her to deposit the check. She sent an escalation stating the same thing and explaining the situation. My mom have been making a lot of calls as well. We lost my dad on XXXX XXXX  of all days, time does not heal or make it easier, we are still grieving and distraught over losing him and now we are in a battle for the insurance inheritance check and we did absolutely nothing wrong. The check cleared fairly quickly, Im assuming because it is the same bank. My mom has sent over documents, took documents in the branch, branch managers have called on our behalf. This isnt right on so many levels. It is causing emotional and financial distress. They cant verify my phone number or me in their system but we have provided proof. I am fresh into XXXX  so any type of verification other than in person with valid identification probably wont work right now. When they first flagged my moms account the insurance company offered to stop payment but the check had already cleared. We just need someone to really help get this resolved
Product: Credit card or prepaid card

I have been disputing Interest fees from commenity bank for credit line from XXXX XXXX since XX/XX/2015. The furniture cost {$4000.00}. I have paid {$4000.00}. However, they continue to charge me interest and fees that have totaled {$4900.00}. 
The charge is inaccurate, false, incorrect and I refuse to pay this. They just keep charging me despite me disputing this charge. XXXX has even confirmed these charges are inaccurate. I need to crease these charges immediately as it is drastically impairing my credit. This cant be lawful or just. Please help me with this I dont know what else to do. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX {$2000.00} This was an unauthorized charge due to some sort of a phone hack through a phishing email that caused someone to use my funds into XXXX  and transfer the money out. This was disputed with Wells Fargo and they happened to decline my claim without doing the due diligence. 

XXXX {$1000.00} This was an unauthorized charge due to some sort of a phone hack through a phishing email that caused someone to use my funds into XXXX  and transfer the money out. This was disputed with Wells Fargo and they happened to decline my claim without doing the due diligence. 

XXXX {$2000.00} This was an unauthorized charge due to some sort of a phone hack through a phishing email that caused someone to use my funds into XXXX  and transfer the money out. This was disputed with Wells Fargo and they happened to decline my claim without doing the due diligence. 

Date XX/XX/21 {$410.00} This was for a returned item at XXXX XXXX for a refund. I had returned my glasses with XXXX XXXXt in XXXX XXXX XXXX, NJ. I was given a return receipt but the refund never arrived. After days and weeks of trying to figure out why im not getting the refund, i disputed the transaction. Wells fargo declined my claim. I contacted XXXX and they responded and apologized and said they have processed the refund. It's been months and months now and still I haven't gotten the refund. Wells fargo didn't do the due diligence. Please see attached email from XXXX XXXX saying my refund has been processed but till to date, i havent received it. 

Some info. Receipt # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CAPITAL XXXX XXXX XXXX XXXX details Paid off - Balance - Balance updated - Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 73 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

In XXXX, My account was not made accessible to me, when the bank claimed that my signature looked different from that on my ID, thus, I let the account close in good standing by yielding my deposits in my account. 

Fast forward to XXXX, I went in person to the bank in order to re-establish my account with the bank. Upon arrival to appointment at the bank, I felt very much rushed in the process in the gathering of my information and then I was told that somebody would get to me by the end of the day in order talk about my account after she Sends my information down. 

At the end of the day the bank representative called me and told me that she had not received any notice about my account from whom ever shed sent my information to, and that she would call me the next day with an update. 

The next day came and I heard nothing from the bank at all. The next morning I went into the bank at open and was treated very rudely and was told immediately by the representative that said claimed to be working on my account told me almost immediately without taking me into a private area that they werent going to be able to open my account. 

I spoke with the bank manager as to why, she claimed that had trouble verifying me in their system even though I had all my legal documents with me for her to check. I have had two name changes for business/ entertainment reasons and the bank had been made aware of one of the changes. 

The bank made me feel as if I were a criminal for changing my name and for having lived in different cities. 

I am a business woman and not a criminal and its belief that the bank acted on personal feelings when dealing with the re- establishment of my account and were discriminatory as well when they told me to go back to the bank that I have a present active account and keep banking with them. 

I hope that you can help me with this issue because I feel like I have be discriminated against because of my personal beliefs.
Product: Debt collection

I, XXXX XXXX, consumer, and original creditor. It is clear that AmsherCollectionServices has violated my consumer rights and committed aggravated identity theft on me. 18 U.S. Code 1028A To be clear, I, XXXX XXXX, have NEVER signed any agreements whatsoever with AmsherCollectionServices, So I am reporting them for aggravated identity theft and I am demanding them to DELETE COLLECTIONS OFF MY CONSUMER CREDIT REPORTS TO ALL CREDIT REPORTING AGENCIES. please CFPB, understand I, XXXX XXXX, never signed any agreements whatsoever with this company. This breaks my heart to know that this company has committed aggravated identity theft on me, an violated my consumer rights. This refer to Federal 18 U.S. Code 1028A aggravated identity theft is a violation to my consumer rights. I, XXXX XXXX, consumer, and original creditor. It is clear that AmsherCollectionServices has violated my consumer rights. 18 U.S. Code 1028A
Product: Debt collection

I was an out patient for XXXX, Total time in and out was 3 hrs I payed all copay 's, my insurance payed in full the hospitals charges, A few weeks later I receive a bill from the hospital saying I ow them {$2500.00} for services rendered, I asked for an itemized bill to see what these charges pertained to, And the hospital refused to submit this bill to me, knowing that after talking to my insurance company that this was paid in full, at which time they the insurance company suggested that I get an itemized bill, the insurance company stated that there 's been a lot of medical fraud buy hospitals over charging patients, for such things like {$15.00} for a XXXX, {$100.00} for a pillow, {$75.00} for a disposable gown etc, It was then that the hospital immediately turned this in to a collection agency i believe to force me to pay this fraudulent bill, which has also blemished my excellent credit record, The insurance company would like to compare this extra bill i 'm being charged with to what has been payed for and double charges or ridicules over charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reporting the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested XXXX to remove this because this is not my fault. I don't have control with what happens with the banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these lenders to pull my credit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX Case Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Personal Info : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXXXXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this ILLEGAL/FRAUDULENT account back to my XXXX report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXXXXXX XXXX  Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

Due to covid-19, my mortgage was in foreberance since around XX/XX/2020. In XXXX of this year I filled out loss mitigation paperwork so that my loan could be modified.. Flagstar sent my loan modification paperwork, I signed it and mailed it back in.. I spoke to someone a couple of days later and they confirmed that they received it. So, I started making payments ( over the phone with a customer service rep, because I couldnt make any payments online ) based off of the loan modification agreement. I did this for 3 to 4 months up until about 2 weeks ago, when I tried to make a payment but was informed that I couldnt because my home was in active Foreclosure. I spoke to many different phone in regards to this issue, but no one helped.. I had to resubmit the Loss mitigation paperwork, however, I have tried to fax them ( more than 10 times ) with no luck, Ive also tried to upload them to flagstars website ( about 3times ) also, with no luck.. I dont know what to do, I feel like this is intentional. Please advise, thank you!
Product: Debt collection

The person that ERC keeps trying to collect on is not me; it's someone name XXXX XXXX. I don't know a XXXX XXXX. I have had the same cell number for 18 years. I'm not related to nor have I ever dated a XXXX XXXX. They have called me three times a day for over three weeks. I have asked,  demanded, and even called back after speaking to have them to stop calling me. I've had nasty toned things said to me along with  being hung up on. They start calling me early morning and will continue through early evening. I just want some peace.
Product: Debt collection

About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing
Product: Payday loan, title loan, or personal loan

I am struggling to pay the payment and the interest is {$8.00} daily. The contract states 188.97 % which I clearly did not understand at the time I signed at the transmission shop XXXX. I tried to ask them to lower the rate and the representative stated the were following FDIC guidelines and that they could not lower the rate.