23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi. I am XXXX XXXX and I urgently need your help because I am receiving letters from a collection company trying to collect {$4700.00} by mistake from the specialty pharmacy that supplies my medication. 

The drug XXXX XXXX XXXX has a monthly copayment of {$250.00} that I pay with a manufacturer 's assistance card with the copayment remaining for me to pay {$5.00} each month. 

The medical insurance of my workplace ( XXXX XXXX XXXX ) and the specialty pharmacy ( XXXX rx turned into XXXX XXXX ) denied me the medicine after XX/XX/2020 and through a foundation, XXXX XXXX XXXX supplied it to me in XXXX, XXXX and XXXX. 

When it was reauthorized in XX/XX/2020, the representative could not place the order because there was a debt of {$11000.00}. After a long wait, the presenter returned and said that he had consulted with the billing department and that the balance was negative and they supplied me with the medicine in XXXX, XXXX, XXXX and XXXX, but in XXXX I received the letter from the collection company. 

Many times I have called and written to XXXX XXXX and they only try to charge the health insurance and the copay help card again and they say that everything was solved, but the collection company keeps calling and I do not believe that the health insurance and Co-pay assistance card pays for XXXX error. 

Thanks for your help. 

Translated from XXXX  language by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries XXXX/XXXX  : XXXX 2020 XXXX XXXX : XX/XX/2020 XXXX XXXX XXXX XXXX,2020 XXXX XXXX  : XX/XX/2020 XXXX XXXX  : XX/XX/2020 XXXX XXXX XXXX  XXXX : XXXX XXXX2020 XXXX, Transunion I don not recognize or recall these statements
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hasn't has cancelled several disputes involving the use my report. I never gave consent to Experian and is violating my rights a s a consumer by reporting false information on my report.
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. Or a list of inquiries : 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 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: Credit card or prepaid card

I called into Capital One to request that my XX/XX/XXXX late payment be waived due to being unemployed to the pandemic. I also experienced an unexpected death in my family and I forgot to make my payment. I have not charged anything on the card since XX/XX/XXXX almost 1 year. I have been diligently working towards paying this credit card off. I was informed that the {$25.00} late fee could not be waived.
Product: Checking or savings account

USAA is purposely charging excessive overdraft fees and trying to post transactions late so they can get more fees and have more money taken from me. 

On XX/XX/XXXX, they charged me a {$29.00} overdraft fee because they said there were not sufficient funds for my XXXX debt amount of {$45.00} which was attempted on XX/XX/XXXX. A simple review of my account will show that I had sufficient funds but because they chose to charge me another {$58.00} in overdraft fees and not honor the government moratorium and the FDIC 's instruction to institutions to waive overdraft fees during the COVID-19 pandemic, their fees are causing me to go further in the hole. They also purposely changed their banking policy in XX/XX/XXXX so they can try and seize people 's stimulus checks. They sent letters via hard mail to me stating that all overdraft fees would be waived. Conveniently those letters were not uploaded to my account until I called in and they were only able to find the one from XXXX and didn't upload it until XX/XX/XXXX. In the past 3 weeks they have charged me SEVEN overdraft fees at {$29.00} and purposely use those to stack additional overdraft fees when I am in the negative because of fees they charged. I called in and they told me that the over draft fees should fall off ( get the recording from the rep ), then the rep said, wait no, the hardship was good through XX/XX/XXXX, but my letter says XX/XX/XXXX. AND they charged me overdraft fees for attempts made before the expiration of the hardship. USAA is a horrible company. I have sent numerous messages and they ignore me. I call and they put me on hold after I get put on a list for them to call me back. XXXX waived their overdraft fees, so did every other bank, but USAA is charging them on purpose and misleading people when they call in like me by telling me they should drop off and then when I call back I get someone else who says oh wait the hardship was until XX/XX/XXXX, which is not what the letter says. That is {$210.00}. Now I am overdrawn because of the overdraft fees and they are going to charge me another overdraft fee for being overdrawn because of their fees. I have struggled due to a significant income reduction because of COVID-19 and USAA has been unwilling to help, follow the federal moratorium like other banks, and adds the debits and credits in an order so that the account is overdrawn so they get more fees. They make sure they add their overdraft fees first so everything else is rejected and then charge more fees. They are a joke. They do not help military families. They are liars. Ask them how much they made on overdraft fees. I have letters from them telling me they are waiving overdraft fees they assessed last year because of an audit they did. Of course these letters are not saved to my account, but I have hard copies. They are sneeky and deceptive.
Product: Checking or savings account

Bank of America Checking- I made to returns on the same day to two local retailers, both by using my Bank of America debit card. I received receipts for both returns. BOTH return amounts showed up in my Bank of America checking transactions as pending returns. 48 hours later, both returns disappeared from my Bank of America checking balance. Bank of America customer service claims that BOTH merchants cancelled those return transactions on the same day. I've reached out to both merchants. Neither cancelled the transactions. Bank of America refuses to take responsibility and still claims that two different merchants cancelled return transactions on the same day. I am now out the merchandise and the money. Bank of America is not even willing to file a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX  XXXX and got financed for a vehicle ion which the finance amount was {$27000.00} after trade in .... i held on to the vehicle for 40 months with no late payments, i then contacted loan company ( M & T BANK XXXX XXXX XXXX XXXX, DE XXXX ) that due to family issues i can no longer support the payments. they sent a representative to pick up vehicle after i signed off on it, how ever i don't have that copy of paper any longer ... the issue is that they now reported to the credit bureaus that there's a late payment of {$5300.00} which i feel is wrong knowing i surrendered the vehicle and that i was never told of such actions
Product: Credit card or prepaid card

Capital One Bank has mailed several applications for credit cards and loans to my home under someone else name ( XXXX XXXX ). I have established contact with their representatives via phone to inform them of this and also requested that they stop since this is a easy method to steal someones identity. 

The last time I contacted them I requested documentation stating that they would no longer send pre-approval mail to my home. The representative stated that it was not possible and as I mentioned I am still receiving mail under for credit offers to my home with the addressed to XXXX XXXX. It is clear to me now that this financial institution has rules or processes in place to truly protect personal information of it's customers and they should be held liable in their failures to protect personal information current and potential customers I received another pre-approval letter addressed to XXXX XXXX yesterday. I'm not sure what else to do at this point. I've also attempted to mail them back via United States Postal service using RTS ( return to sender on the envelope. ) They often get sent back to me again. I had this happen twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received information from Experian that an investigation was done on my behalf to prove that this account was mine. I still havent received any information as to the accounts listed in my Initial disputes. For instance, they are four XXXX XXXX Accounts that are questionable. I have yet to received any written documents stating these account are mine with my signature. They keep stating that they verified these accounts but I have yet to receive anything that states these account belongs to me. This is the second request for these items. Per FCRA 601. ( A ) by Federal Law Im supposed to received written documentation stating with my signature showing these accounts are mine. Without that, these accounts are to be removed from my credit files immediately.
Product: Mortgage

Loan Servicer Mr. Cooper has collected additional payment amounts than what's allowed per the promissory note. My loan does not include any escrow payment, but their recent " analysis '' in late XXXX, led them to deduct more than my prescribed monthly contribution on XX/XX/XXXX. I tried the loan servicer 's chat to talk to someone, but got an error. I submitted a ticket through their website and got no response. After I further noted that my checking account debited had been overdrawn as a result of their higher payment, they said the issue has been escalated. It's been a week and I have got no update.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this problem with Trans Union, XXXX, and CFPB Complaint ID XXXX. I thought the issue was resolved, only to find that XXXX has again filed that I am delinquent on my credit report as of XXXX, which makes me now 120 days late on a XXXX balance. I'm frustrated and don't know what to do. Please help me this time.
Product: Debt collection

XXXX and XXXX XXXX reported information on my credit report for XXXX XXXX on XX/XX/XXXX and for loanme on XX/XX/XXXX without following the debt related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( I ) - ( v ) ; 34 ( c ) ( 2 ) ( ic ) and itemization related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) and consumer response information ( 12 CFR 1006.34 ( c ) ( 4 ). I never received anything from the debt collector, however the debt appeared on my credit report without my knowledge. No debt validation letter or no debt verification letter
Product: Credit reporting or other personal consumer reports

I have identified information on my report that is a result of identity theft this account and inquires does not belongs to me (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis Risk Solutions has obtained my personal data unlawfully and used it unlawfully without my consent to damage my credit file report with XXXX and have sold my personal data to other third party entities without my consent. Federal trade Commission protects consumer information when it is used illegally and without consent. Lexisnexis is a third party entity that has been sued for selling consumer personal information without their permission. It has been several years that Lexisnexis has been misusing my personal data, such as my name, addresses, personal account information, age, identity, income, and other personal data like my social security that i have never provided to Lexisnexis Risk Solutions. They have reported false information on my credit report to XXXX of an alleged bankruptcy. Lexisnexis has violated the XXXX XXXX XXXX XXXX reporting false financial information to credit bureaus and other third party entities to cause me to get higher interest on consumer products and/or denied of financial services. 
I have requested several times for Lexisnexis Risk Solutions to freeze the false file reports they have in my name and they have not done so but sent a confirmation pretending they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I requested a balance transfer over the phone to Wyndham Credit Card Barclay in the amount of {$10000.00} on XX/XX/22 to my uncles business account at XXXX XXXX  XXXX. 

They state that the amount was processed and the money was sent, but this is not the case. I was told the transfer would go through in 5-10 business days. That never happened. 

I was told on XX/XX/22 that the amount was sent to a different account ( my XXXX  personal checking ) - and that was not accurate to my XX/XX/22 request. So the representative submitted an escalation of the issue. According to representatives since then- the original balance transfer request was correct to my uncles account. 

I have called repeatedly and I get a different answer every time. The most consistent answer is that I have to keep waiting for resolution. 

As of today, no money has been transferred to either of the 2 accounts, but I have a charge on my credit card for {$10000.00} plus {$300.00} fee. The first payment will be due on XX/XX/22 and no one can tell me why Im being charged if no money has been exchanged. They insist the money was transferred, however this is not correct. XXXX XXXX XXXXXXXX was contacted and they do not have any evidence of a transfer. 

XXXX will not allow me to speak with anyone above an account manager and can not answer my questions. I was told to wait 7-10 days for a letter. After that time passed, they changed the number of days to 30 days.

This is a trend, every time I would call I would get different answers as to when the transfer would happen. 

I need help, today is XX/XX/22. I am being charged for funds that were not transferred. At this point I do not want to do business with this bank. I would like all of this reversed.
Product: Debt collection

IQ Data International contacted me regarding charges for an apartment I previously rented at XXXX XXXX. I left the apartment in good condition, as verified during a final walk-through with management, who confirmed my remaining rent would be deducted from my deposit and noted no further charges. However, six months after moving out, I received a charge of {$730.00} for blind replacements. Then, another six months later, I was charged {$2100.00} for carpet replacement. I am disputing these charges, as there was no damage caused by me, and no issues were noted at move-out. 

Recently, IQ Data International representatives began calling my work phone, threatening to report these charges to my credit and stating they would continue to contact me if unpaid. I have requested clarification and a review of these charges, as I do not consider myself responsible for these fees, given my adherence to the move-out procedures and their confirmation of the apartments condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On Sunday, XX/XX/XXXX I received an email from Wells Fargo informing that my mortgage payment would go from {$2200.00} to {$3300.00} due to a shortage on my escrow account. I reached out to the bank asking why this was happening. I was told that it was due to historical numbers being used to analyze my escrow account. My escrow payment more than doubled and Wells Fargo sent this to me without doing any sort of investigation or analysis. Why would something like this make it out the door to a customer? Wells Fargo insists that my escrow account is short over {$4000.00} after they made adjustments to actual amount due for property taxes. I asked for the bank to analyze and tell me why this was so and why only a balance of $ 4000+ was added to my initial escrow account after my refinance closing disclosure reflects that over $ 10,000+ was included in closing costs for property taxes and insurance. Wells Fargo is unable to tell me where over $ 6,200+ included on my closing statement went as it was never credited to my escrow account and there is no explanation as to what happened to that amount which was added to my mortgage at closing. 

I would like Wells Fargo to do a complete analysis of my escrow account and explain where the $ 6200+ dollars went and why only $ 4200+ was credited to my account after closing which is contributing to the shortage on my account. Resolution of this issue escapes Wells Fargo which is unfortunate because my mortgage is there and after several times of asking the bank to cancel this escrow account so I will make my own payments I was told no on several occasions. Once I was told that I can not have the escrow account closed because I was not making payments on time which was untrue, in addition, I was told because I have private mortgage insurance on my property I can not have the escrow account removed. 

I need assistant to have this issue resolved because I cant seem to get anyone to care enough to resolve this issue or even figure out why I prepaid funds at closing which is unaccounted for and never credited to my escrow account. 

Thanks. 
XXXX XXXX
Product: Debt collection

The company Credence keeps calling a number for a suicide crisis line - up to XXXX times a day. We have reached out to them to attempt to get our number listed on the do not call list- have been assured that it is and that the account is on do not call list - however even while on the phone with them verifying the phone number is on a do not call list we received 4 phone calls from the collection agency. Since we are a suicide hotline we have reached out to our IT department and had them block the numbers through our phone carrier- which only resulted in Credence calling from different phone numbers with the same if not larger frequency of calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my mother opened a XXXX credit account using my personal information. Due to my still being in the XXXX, in the middle of a XXXX XXXX, I certainly could not have ordered the items she had nor did I order the subsequent items she charged to the account. Nevertheless, I added the item to my XXXX  XXXX bankruptcy the following year starting in XX/XX/XXXX. I acknowledge that this is the assumption a debt is valid but that is not the reason for my issue today. 

As I said, the bankruptcy was filed in XX/XX/XXXX and XXXX in XX/XX/XXXX. And the account in question ending in XXXX was added to that and XXXX was contacted by my bankruptcy attorney. Four years later in XX/XX/XXXX, I am notified that XXXX has reported a recent delinquent payment for XX/XX/XXXX. I had not, neither before, during, or after the discharge of my bankruptcy done any business with XXXX. In fact, the only online portal I have access to via the email my mother fraudulently opened my account with shows no information regarding orders, shipments, or late payments. 

Initially, I was attempting to remove the previous late payments of XX/XX/XXXX due to them being family fraud. Not wanting to cause legal issues for my mother or pay the balance she left, I let it go. This was before realizing that there is a multitude of consumers who had XXXX open " XXXX '' accounts using their information, adding in many unknown late or missed payments for balances transferred from their original account. It now makes sense what error may have occurred, my old account information including the balance from the discharged debt may have been transferred to this new " XXXX '' account and like many others, I unknowingly received a missed payment for an account I did not consciously open. After disputing this with all three bureaus, only one remains with the late XX/XX/XXXX payment and that is Equifax. Reading the investigation, Equifax affirmed incorrectly an account balance and the date. 

I have not been provided with a statement of any new account information, balances, items purchased, or anything to confirm that I did indeed open another account. I challenge XXXX to provide this information.
Product: Checking or savings account

First Citizens Bank had a checking sign-up bonus promo of {$500.00} : " Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : - Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days - Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening - Open a new savings account '' The timeline for me is : - Opened and funded checking + savings accounts on XX/XX/XXXX with combined balance of {$15000.00} - Completed 10th debit transaction on XX/XX/XXXX I called the bank multiple times to inquire. One rep told me I qualified but would have to wait for the bonus to post. Other reps told me they would look into it, but never got back. I would like my {$500.00} sign-up bonus.
Product: Credit reporting

I recently looked at my credit Equifax Credit Report and noticed a Bankruptcy # XXXX that did not belong to me. I quicky notified Equifax and disputed this incorrect information. 30 days Equifax claimed they verified the information. This can not be true because I already called the courthouse and they no information on me. They also told me Equifax never notified them about any dispute about me. I simply want this off my credit report because if you look at my credit you can easily see no accounts are listed under any Bankruptcy, because I never went Bankrupt ...
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXXXXXX