23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was taken to the hospital via ambulance after being involved in a car accident. I was on XXXX VA XXXX from a follow up of a surgery, when I was in a car that was struck by a speeder on the side of the car where I was sitting. The impact XXXX I had at the VA hospital. I was taken directly to the emergency room, my mother was with me and told the doctor I am a veteran, I also had on the wristband from the VA hospital because I was on my way home before being in the accident. I never made it home, obviously. 
So months after the accident I received a call from a collection company about this bill. I told them they must have been mistaken because I was a passenger in the vehicle, and the insurance was supposed to pay the entire amount of the bill, I did not have a car at that time and did not, have auto insurance, nor did I have health insurance because I was not working so I was covered under the veteran medical coverage due to my low income. Normally if a veteran enters a civilian hospital with no insurance the civilian hospital is required to contact the nearest veteran hospital within XXXX hours from time of arrival to either make arrangements to have the veteran transported to the nearest VA facility or to inform the VA that they have XXXX of their patients so they can share the medical records and billing. This was not done when I was a patient at the hospital, in fact the hospital did not even send me a bill after the insurance paid them. It was months later ( at least 6 months ) that I got a call from the collection company. The following is a link from the Dept. of Veterans Affairs website " XXXX 2001, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. ''
Product: Credit card or prepaid card

I opened a dispute with Discover credit card Services for a transaction took place last XX/XX/2018 against the merchant name XXXX XXXX for the amount of {$170.00}. 
I contacted Discover Credit card Services on XX/XX/2018 I spoke with a Supervisor name XXXX about my dispute with case # XXXX She asked me to get documentations so Discover can look this documents and investigate the dispute I told her I will submitt Documentation in regards along with the pictures of the Damaged Merchant Caused in my vehicle while Providing the Towing Service,  She said to me if the Merchant caused the damaged Discover may deduct the services the merchant charged you off the estimate you present it, So thats what I did I submitted on line the letter, bodyshop estimate and pictures of damaged in my vehicle.So just doing a Followup with Discover on XX/XX/2018 by phone, to see if they received my documents, The representative with name XXXX informed me after put me on hold she informed me that I need a receipt from the merchant inwhich states the credit of {$170.00} I told her I spoke with XXXX a Supervisor from Discover and she didnt mention me that since there is Dispute on this Amount, I requested to speak with a Supervisor she transfered me with XXXX ( XXXX ) I told him I spoke with XXXX and she never mentioned me That I need a credit receipt from the merchant since this is a Dispute, He said he cant help me or assist me further, then for I told him. 1st * I will still dispute this amount based on I didtn request the merchant for their service, They were told to tow my vehicle by another merchant doing this my vehicle got damaged. 2md Discover Credit Card Supervisor XXXX Informed me Discover will initiate a review based in the new information provided and Now I received another contradictory response from another Supervisor XXXX stating they cant help me or assist me. These 2 reason are enough to have escalate this issue to Discover Credit Card Executive Level thru the CFPB. 
Its Sad to see Supervisors as XXXX not able to assist me to continue this investigation and rather to deny me assistance with this Dispute in which the merchant ending up damaged my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX trying to fix errors and information that can not be verified by CRA, Major problem in communicating, obtaining records from furnisher SEE ATTACHMENTS Furnisher re-aging account, failure to provide proof of documents requested via email and CRA continues XXXX verified as " accurate '' then modifies and removes data replaced by Xs which resulted in an INCOMPLETE tradeline with unverifiable 1st date of delinquency and incorrect estimated date that will stay on record. 
FINDINGS OF VIOLATIONS FOR FURNISHER AND CRA AS FOLLOWS : FCRA SECT 605 ( c ) ) 1 FCRA Sect 623 ) 5 ) ( A ) FCRA Sect 609 ( a ) ( 1 ) FCRA Sect 623 ( b ) ( 1 ) FCRA Sect 623 ( b ) ( 2 ) FCRA Sect 611 ( a ) ( 1 ) Furnisher rule 660.4 ( a ) ex-disposition related to payment status, date payment was made, payment amount FCRA Sect 623 ( a ) ( 7 ) ( G ) ( 1 ) 15 US COD 1611i ( 5 ) 15 US CODE 1681e ( b ) FCRA Sect 623 ( a ) ( 5 ) " ..comemencement of the delinquency ... '' as the first payment and not some other later date that would further extend the period. 
Fed Reg IRS Code 166 ... '' creditors in the United Syayes must charge off revolving credit cards at 180n days.. '' Policy : Uniform Retail Credit Classification and Account Mgmt XXXX policy " 180 days charge off '' re-aging only allowed once 12 los if consumer makes a payment. 
15 US Code 1665d- ( c ) ... '' cost incurred by the creditor from such omission or violation ' '' Original bal due reports vs charge off 3x higher. Abusive, still no access to any records to verify any of the information reported by the furnisher and CRA failed 3x and conintues to report. SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though Ive paid off all my loan and credit card balances Experian is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also Experian has addressed for me listed in Denver although Ive never lived in Denver in my entire life. Experian refuses to remove it
Product: Checking or savings account

I OPENED AN ACCOUNT W/ A BANK CALLED XXXX XXXX  AND SENT A  PERSONAL CHECK FOR XXXX  AS A DEPOSIT TO A PO BOX IN XXXX, PA.  THE CHECK CLEARED MY BANK.  YET XXXX MONEY STILL PUT AN EXTENDED HOLD AND IS NOT MAKING THAT DEPOSIT AVAILABLE.

WHEN I CALLED THE TOLL FREE NUMBER THEY ALWAYS ANSWER THE PHONE IN THE XXXX. THEY HAVE NO OPERATION IN THE UNITED STATES.

I AM VERY CONCERNED THIS IS A FRAUD IN WHICH A XXXX  AGENT INTERCEPTS MONEY FROM THE PENNSYLVANIA PO BOX AND ROUTES IT TO THE XXXX  IN AN OFFSHORE CON:

--THEY TOLD ME THERE WAS NO PHYSICAL ADDRESS OF THE BANK IN THE UNITED STATES.   THAT'S BECAUSE THE BANK IS IN THE XXXX.  THEY TOLD ME IT'S AN "ONLINE ONLY BANK" AND THEY HAVE NO ADDRESS.

--THEY THEN GAVE ME AN ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX CONNECTICUT WHICH IS A BUILDING WITH NO WINDOWS. CLEARLY NOT A BANK. NOWHERE NEAR THE PO BOX!

--THEY TOLD ME THE BANK HAS BM TECHNOLOGIES.  LOL IS THAT SUPPOSED TO BE FUNNY? XXXX XXXX XXXX XXXX XXXX  THIS IS NOT A LAUGHING MATTER.

--THEY TOLD ME THE FDIC NUMBER IS XXXX  WHICH WHEN I GOOGLE BELONGS TO XXXX XXXX XXXX. YET CHASE KNOWS NOTHING ABOUT THIS.

--THEY TOLD ME THEY WERE PART OF XXXX XXXX BUT XXXX SAID THEY'RE A PHONE COMPANY AND NOT A BANK!

--THEY TOLD ME THE CEO WAS XXXX XXXX BUT I GOOGLE THAT NAME AND HE DIED ON XXXX XXXX XXXX.  NO SUCH PERSON.

--EVERYTHING THEY SAID WAS HIGHLY SCRIPTED AND READ TO ME LIKE A ROBOT...THE "CUSTOMER SERVICE" AT THIS BANK WERE INCAPABLE OF HAVING A CONVERSATION.

I AM VERY CONCERNED THIS BANK IS AN ONLINE FRONT FOR A XXXX  CON.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX XXXX am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Under XXXX5 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received
Product: Credit reporting, credit repair services, or other personal consumer reports

Account says charge off and that is not correct please investigate or delete file XXXX XXXX
Product: Debt collection

This debt has been disputed numerous of times, each time it has not been verified as requested. Calls are at least 6 times a day before and after business hours, and even more frequently on the weekends.
Product: Mortgage

On XX/XX/2021, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days. On XX/XX/2021, I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via XXXX. ( see attached letter dated XX/XX/2021 ). 

To date Shellpoint has not resolved the issues. 

I will be resuming payments on XX/XX/2021 and have not been informed of the : 1. ) Total amount that is being deferred and total amount owed on my mortgage including all deferred amounts. 
2. ) The terms of that deferral, whether it be a recast changing the maturity date or a balloon payment- To be clear, I want a complete written breakdown of my loan, the amount owed, the amounts ( all amounts ) deferred on my loan ( past & present ).

3. ) An accurate and up to date escrow analysis as of XX/XX/2021 - Including evidence of any and all expenditures listed as escrow advances 4. ) A written copy of the servicer 's guidelines ( from the investor ) that clearly shows that escrows can not be included in deferrals.

5. ) A complete written explanation of what can be done with escrow shortages again, from the investor ) 6. ) A payment breakdown that includes my current monthly payment with taxes and insurance ( based on an up-to-date accurate escrow analysis ) AND A breakdown of what the escrow shortage payments will be over a 5 year period.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute letter to all three credit bureaus. I received a response from all three credit bureaus. On XX/XX/XXXX, I sent a demand of action letter to all three credit bureaus demanding the removal of all duplicate XXXX accounts. XXXX has not removed these duplicate accounts. XXXX  and XXXX  have. Two accounts with account # XXXX and two accounts with account # XXXX ( for a total amount of {$4300.00} ) are showing closed in the same frame and showing POSITIVE with XXXX. On XX/XX/XXXX, XXXX submitted an in-school deferment request to XXXX. As of XX/XX/XXXX, they noted the account, " No adjustment needed, '' because the accounts are closed. They can not confirm my deferment because the accounts were closed. Also, on XX/XX/XXXX, I sent a correction to the credit report to remove Kohl 's which was paid in full on XX/XX/XXXX. They have failed to remove that as well.
Product: Debt collection

Windham Professionals garnishing wages for student loan after I have already showed good faith in repayment by paying voluntarily {$2200.00} + est. {$600.00} in wage garnishment. Submitted numerous times personal information along with proof of income and the only reasonable monthly payment they could come up with was $ XXXX {$500.00}. After on a few occasions they had promised they could get low monthly payments around {$50.00}. 
The problem with the wage garnishment and not getting out of default is that of the {$400.00} they are garnishing is that {$170.00} a month is going into the collection agencies pocket. The total balance on the Student debt is {$3000.00}. yes {$3000.00}. I did not leave out a XXXX or a (, ). I repeat XXXX. 
Regards, XXXX XXXX
Product: Debt collection

I explained to the man that at the moment I was not able to talk because I was working, he states that he does n't care. I said I would call on my break he said he does n't care about a break i was to call by 5 regardless of whether I was on break or not, and hung up on me. Then continues to call my cell phone repeatedly with a blocked number.
Product: Credit card or prepaid card

Received Phishing Text message from XXXX saying my BofA XXXX card had been closed and was under review due to suspicious activity and to click on the link to XXXX XXXX XXXX Instead of clicking on the link, I went online and checked the account, which has not been used since XXXX. 

I have reset my password. No funds were taken, and the matter is secure on my end, but I wanted to report this info and Phishing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted XXXX, Equifax and XXXX via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.
Product: Checking or savings account

On XXXX XXXX, I attempted to make a transfer through XXXX XXXX using my debit card. XXXX declined the transaction due to a mis-match on my phone number, though the {$83.00} was charged as pending to my BOA account XXXX ( RT ) XXXX ( acct ). I called XXXX XXXX to instruct them that the transaction was approved and already posted XXXX as pending. They advised that they showed no {$83.00} transaction pending in their system. 

They participated in a 3 way all between myself and BOA to explain why the transaction would not be processed by XXXX. The BOA representative told me to call back on Tuesday ( today, XXXX XXXX, XXXX ) if the pending transaction for {$83.00} was n't refunded to my account. NOW the associate tells me that I ca n't have my money back until Friday. 

This is {$83.00} authorized, but never captured from BOA ... you still have the money. There is no reason why this error should be withheld from my available balance for a week. 

The pending transaction is UNAUTHORIZED as a transaction that will never be processed. Under Federal Regulation E, I have the right to that money right now. At the time of the 3-way call, BOA confirmed that all these instructions would be noted with the transaction, which appears not to be the case. I was told by BOA ... it 's just a computer, beyond any human control to change it.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward.This is a violation of 15 USC1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXXXXXX XXXXExperian, XXXX XXXX  XXXX Experian, XXXX XXXX XXXX XXXX Experian
Product: Debt collection

I have made several attempts and spoken with the debt collection agency and credit bureaus. Notify them that I was a victim of Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked numerous times for a signed contract of this account. i have no knowledge of this account and did not open it with XXXX XXXX
Product: Mortgage

I received a payment stating that I was XXXX payments in arears with XXXX payment past due. At loan origination, I set up payments to be made via auto debit. My bank account is always debited on the XXXX of the month as agreed. Fay Servicing will not explain to me why or how I can be past due in the payment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting XXXX XXXX  several times and the 1st few times I couldn't get far because I don't have an account number or credit card that the automated system is asking me for. I don't have this because I don't have a card to even have an account number. I finally found away to speak to a live person, on to find it was like an answering service. She took my information and my complaint and stated she would give the information to the company because the issuer of the card is an internet bank or something to that wording. I never heard from them. 

I have disputed this item many time with the 3 major credit bureaus. It always comes back verified. Like I've stated above, I've never used a card from them, applied for credit, authorized anyone to put me on as an authorized user etc .... it is damaging my credit and I want it off. It also looks like the closed the account and reopened a second account. Once again without any permission from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that do not belong to me. The following items are inaccurate on my credit report and I would like them to be corrected/ removed as I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed in a timely matter PLEASE! 

XXXX  card Account # XXXX This account is fraudulent and inaccurately reporting to my credit. 

XXXX  XXXX Account # XXXX This account is also fraudulent and inaccurately reporting to my credit. 

XXXX Account # XXXX And this account is fraudulent and inaccurately reporting to my credit as well. 

I have also sent out letters to each Bureau on XX/XX/2021 ( which I will be including XXXX but no resolution or help has been met.
Product: Credit card or prepaid card

My credit card has been compromised. I cancelled the card at the advice of the issuing bank ( TD Bank ), yet the charges persist. I learned that Visa has a service called Visa Account updater that automatically provides new account details on previously cancelled cards to merchants. See XXXX XXXX XXXX The only way to avoid the continued compromise of my account is for the issuing bank TD Bank , to opt me out of the Visa Account Updater system. This opt-out feature is a feature offered by hundreds of banks in America as a simple XXXX search shows. And it is to my understanding my legal right. for example, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent two hours, including hold time, speaking to TD Bank agents. They were unanimously rude or incompetent or both. Without exception they were unfamiliar with the Visa Auto Updater service ( XXXX XXXX XXXX ). Yet despite, their admitted ignorance of the feature, they insisted with finality that I could not be opted out of the service, despite my legal right to be opted out. 


As an aside, this incompetent customer service and long hold times are habitual with TD Bank. 


Please have TD Bank immediately opt my accounts out of the Visa Account Updater system,
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time, but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to pay on time immediately thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681I, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Finical Protection Act ( CFPA ), 12 U>S>C, 5536 ( A ( 1, ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compiles with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

I requested a Form that my Auto Payments be automatically deducted in XX/XX/2017 from my Banking Account which Wells Fargo acknowledges that they sent to me. The CFPB from reading Wells Response states that I did not sign it which is the first that I have heard of this fact.