23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2016 through XX/XX/2016 I received a set ( 8 sessions as outpatient ) of XXXX XXXX XXXX ( XXXX ) at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OK XXXX Dept. Phone # XXXX Main Phone # XXXX Back then I had a health insurance through " XXXX '' ( Through my wife employer ). I personally paid all the hospital 's bills ( co-pays ) for each session. Then I have been harassed by " XXXX XXXX XXXX XXXX XXXX '' to pay 2 XXXX bills of : {$1400.00} and {$870.00}. So I returned back to both " XXXX '' and " XXXX XXXX XXXX '' ( where the procedures/treatments took place ), both informed me that I should Not pay separately for the XXXX as my co-pays from the hospital included every thing. Both Hospital and the insurance company assured to me many many times that XXXX was taken care of through the insurance company and the co-pay bills which I paid all in full. Nevertheless the " XXXX XXXX XXXX XXXX XXXX '' insisted to impose the bills which exceed the whole 8 treatments co-pay bills. Now these 2 bills have been passed to a collection entity called " AFFILIATED MANAGEMENT SERVICES '' which severely affect my credit report ... .Why would I pay separately to another ( contracted ) entity for a service provided by XXXX XXXX XXXX ? .... " XXXX '' is a huge medical provider, there is no logic for XXXX to let its contractors ( out sourced ) to bill directly the patients especially XXXX assured to me that these bills are not legit while the insurance company assured that they took care of all that and I am not supposed to receive bills from " XXXX XXXX XXXX XXXX XXXX '' ..Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report agency refuses to delete unverified and inaccurate information on my credit report. I have disputed these  2   XXXX  account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?   Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.     Credit report agencies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , unfamiliar with handling their own finances.   Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.     FCRA requires that all  Credit Reporting Agencies are supposed to verify received from creditors before this information is added to your credit file.    Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. They are required to have a copy of the credit application that you signed when you opened the credit account with the creditor in their files. They are supposed to have it in their files to show that they verified the information and account belongs to you and to show that they verified the information before they placed it on your credit report.     The truth of the matter is the credit bureaus dont review any documents let alone keep a copy of your credit application in their files. They NEVER see any documents.     In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.   While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 XXXX XXXXXXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX # XXXX {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt Authorize the following inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit due to negative marks on my credit report. 
In XX/XX/2022 I submitted an online request to Equifax in order to review my credit report for inaccuracies. 
I was denied access to my online credit file by Equifax. 
I then called the customer support line, and after a verification process I was told that I would receive a copy of my report in the mail. 
I never received the credit report. Instead, I received a letter instructing me to send copies of my identification to verify my identity again. 
I mailed the proper information to Equifax, and received another letter asking for the same information again. 
I have sent multiple copies of my personal documents to verify my identity and Equifax has ignored my requests.
Product: Checking or savings account

I began to notice more recently that my deposits were being held as pending - while transactions ( that had already been posted to the account ), eat away at the new deposit before funds become available. Navy Federal Credit Union then takes the money a second time claiming they put the deposit in first but that is not the case. 

A branch deposit was made on XX/XX/XXXX for {$1500.00} and did not become available until XX/XX/XXXX. 

I had {$3600.00} as of XX/XX/XXXX All transactions posted on XX/XX/XXXX were made and completed before XX/XX/XXXX, For example : XXXX payment ( instant payment ) of {$260.00} was made on XX/XX/XXXX but, per my banking statement it shows that transaction was posted on XX/XX/XXXX ( Same day the {$1500.00} was made " available '' ) Next example : I received {$260.00} on XX/XX/XXXX from my reimbursement for internet with my job. On XX/XX/XXXX I sent a XXXX payment for {$260.00} to my brother in law to pay the internet bill. This is supposed to be an instant transaction but when I looked at my statement it was deducted on XX/XX/XXXX. 

My Account is stating available balance is {$1100.00} Current Balance states {$1500.00} There are many discrepancies, my husband and I have noticed with our account and we would like there to be some sort of rectification. The Navy Federal Representative did not provide detailed explanation. This seems to be fraudulent activity by the company.
Product: Debt collection

This morning a make person came and knocked at my door asking for My daughter. I advised the person she does not live here. Then he asked if XXXX XXXX lived in the property. This person has called me and my husband harassing and trying to get information concerning XXXX. This has been going on for while. Ow they driving in my private property and knocking at my door. THIS IS HARRASMENT. I have told them before and does end.
Product: Debt collection

First American Payment posted XX/XX/XXXX that i owe {$2100.00} due to an early termantion fee from a leased credit card terminal from XXXX. My employer, XXXX   XXXX for XXXX XXXX XXXX ; Launched an investigation XX/XX/XXXX. 

I was hospitalized in XXXX of XXXX. 

Since the beginning of XXXX, i have cotacted them numerous times via phone to work out a payment plan that the XXXX insists I do. They promised to send via email. Has not sent anything to fwd to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XXXX XXXX Contact with first american payment was XXXX XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX claimed I own the debt of {$1700.00} to it. I have reason to believe I do not owe this debt because the debt is not valid since XXXX XXXX violated my consumer right of being informed pursuant to Consumer Bill of Rights. XXXX XXXX did not give me the facts to let me make an informed choice when XXXX XXXX changed my plan from {$49.00} monthly charge of unlimited monthly kilobyte to the new XXXX Plan XXXX XXXX. The charge of {$1500.00} that would incur from switching to the new plan at the beginning of the current billing period was not disclosed to me when I was offered the options of switching to the new plan either at the beginning of the current billing period or at the current date during the transaction with XXXX XXXX. Therefore XXXX XXXX has failed to inform me critical information when I was making the purchase decision, and violated my consumer right of being informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00}, XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

On XX/XX/XXXX ; I made complaint with the CFPB : After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX. 

The Loan officer assigned this loan never returned my have dozen calls in the last weeks. Yet, the Bank officers I was able to speak with agreed the Bank was in error. Fifth Third responded to the CFPB complaint but not to me : the customer. After making all of my payments on time since the end of my deferral period ; the Bank has returned two of those payments ( as their servicing system can not catch up with the solution to this issue ). I have only received one of those refunds and NEVER CASHED THE CHECK ... so the payment is still at Fifth Third. I will NOT cashed the second returned payment if/when I receive it. This mortgage is current and on-time. The Bank, WITHOUT my request or authorization, has processed a further Deferral on my Mortgage. I neither asked for that nor will I accept it. I believe Fifth Third remains in a Mortgage Fraud situation and they could resolved same but just communicating with the customer on any of the calls I make almost every day!!
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX IN 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account opened without without my permission : SYNCB/PPC XXXX Time Line Account opened prior to XXXX with a {$75.00} membership fee Late charges and interest were charged every month thereafter bringing the total up to {$400.00}. 
Two accounts have been used in this fraud. 
First account XXXX XXXX with an ending balance of $ XXXX Second account XXXX was charged for {$210.00}. XXXX Made it appear like I made a payment. 
Late charges continued. 
I never ask for this account I never received a card I never charged on this account. 
I have challenged it No luck
Product: Credit reporting

There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit
Product: Student loan

I have two XXXX loans with XXXX XXXX worth {$4000.00} in total. I transferred and consolidated these loans into one consolidated loan with Aidvantage on XX/XX/XXXX. I continued to receive payment notifications from XXXX while also incurring late fees and interest. When I first contacted XXXX they said that they had not been paid by Aidvantage. I contacted Aidvantage and one of their agents told me that they did not successfully process the consolidation despite giving me forms that said that they had. On XX/XX/XXXX Aidvatage told me that they would resolve the issue within 30 days. When I contacted both companies on XX/XX/XXXX I was told nothing had changed. XXXX says that they have not been paid by Aidvantage and Aidvantage tells me that they have paid XXXX. Both accounts are still active. During my most recent call to Aidvantage, I was on hold for over an hour and told that multiple supervisors were reviewing my account. I was then told my call was being transferred to one. Five minutes later I was told their was an error transferring the call and that no supervisor was available to help. I was also told that one would call me back and that never happened either. I have contacted Federal Student Aid and told that FSA can not help and I have contacted the Ombudsman and they also told me that they can not help me. Both accounts are active and their is no resolution being offered or pursued by either company. They both tell me tat I owe them money for the same loans.
Product: Student loan

I am being garnished for 6 private student loans that I have already been told by XXXX XXXX and XXXX XXXX that they were not mine, were not collecting and stopped collection all together. XXXX took these loans over, the paperwork from XXXX XXXX obviously did not go to them and trying to deal with XXXX has been nothing but trouble. I sent them a letter, got a response from the office of customer relations and basically, they did not even look into my complaint or take it seriously. The response is attached below, but basically they passed this off on the collection company XXXX XXXX, who said Forster and Garbus has the loan and they don't have anything to do with this. I am getting the run around and being garnished over a loan that is not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2600.00} XXXX : XXXX XXXXXXXX XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/year> my loan was to be transferred from XXXX XXXX XXXX XXXX XXXX  officially. Ive had my loan for XXXX years. I have an XXXX XXXX XXXX never missed XXXX payment on this been late or on any other account I have I have exceptional payment history When the loan was transferred I had an escrow balance of $ XXXX.on XX/XX/XXXX I received a bill from slide insurance company for a new premium on my policy because farmers insurance company was pulling out of Florida and XXXX had contacted slide for me on XX/XX/XXXX. I contacted slide and told them I did not want to that policy that I wanted it canceled it would not be paid and they did they did that they issued me a statement saying it was canceled on XXXX and they would be refunding me my money, but I had to ask for the refund which I did. I did in return called XXXX and XXXXXXXX XXXX. I talked to XXXX in the insurance department with XXXX and told her that I had canceled the insurance and I did not need that paid out of my escrow. She told me not to worry about it because my insurance will not not due till XXXX XXXX, and my loan wasnt transferring until XX/XX/XXXX and that she would let the other insurance casino and I said well Ill call them as well so I called XXXXXXXX XXXX because they told me they couldnt give me any information about my account or talk to me about my account because I had not received the account they transfer yet and that would not be affected till XX/XX/XXXX so they assured me that everything would be fine then on the XX/XX/XXXX XXXX XXXX  who said they didnt have my account yet paid a insurance company that I told them and XXXX not to pay that I had canceled and in return of that since they did that my escrow has been screwed up. They said they had to advanced me this much advanced me that much and then when I finally got the refund back from the insurance company they paid mistakenly. They took half of it out for the advances. They gave me so now XXXX in the negative all because they hate something they were supposed to pay and didnt even supposed to have my account then so and Ive XXXX to work it out with him since XXXX and I cant get anywhere with them. Theyre not listening to me and now Im in the negative and they want their money and I dont have it and Im always gon na be in the negative because Im never gon na be able to get out of it and they wont listen to me and Ive have exceptional credit and exceptional payment history on everything I have and they were gon na XXXX me up. Theyre the worst Mortgage Ive ever seen in the worst customer service to deal with. They screwed up my insurance trying to tell me I had to have two policies on my insurance because I live in a condo I mean theyre XXXX  up. I had a fight with him over that. I mean this has been the worst experience since XXXX Ive had since Ive had my loan and Ive had XXXX years. I need help fixing this because XXXX not getting anywhere with these people and if they XXXX me up in my good credit, XXXX highly disenchanted with the whole system
Product: Mortgage

I qualified for a HARP refinance and used it in XXXX - without being made aware that it was this was a one time deal. I was trying to get relief from the problem created in XXXX when it was issued at origination as an XXXX split. The reason I wanted refinance was to both get a lower rate and combine the XXXX loans but, my lender did not combine the loans and made me feel like it was to only chance I had to refinance. The second mortgage ( with a different lender ) is an interest-only loan with very poor terms that has a balloon payment coming due in 5 years and I am deeply concerned that I will not be able to cover that payment. I have tried to work with this lender to restructure to pay more principal but because I have been making payments, my negotiations have been in vain. Now my credit score is dismal form trying to make ends meet after experiencing a 50 % reduction in pay since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and XXXX continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX  XXXX BOX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX XXXX XXXX XXXX is reporting inaccurately in Equifax. I do not recall having this account with this company. I don't think there is legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.