23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My son received 2 XXXX XXXX XXXX of XXXX min each, from XXXX XXXX XXXX. The market price range of this service is around {$50.00} per session. Prior to the sessions, I received an estimated price of {$120.00} per session. That information was provided by XXXX XXXX, the actual physiotherapist that attended to my son. The quotation the Hospital offers in their website is {$100.00} per session. 

Despite my son needing treatment of XXXX sessions, after XXXX we decided to change the provider due to the bad services my son received. 

However, after a while the hospital billed the insurance the amount of {$1900.00}, meaning 8 times more than the estimated cost ( {$120.00} per session ). The insurance paid {$280.00} and adjusted the total charge with the hospital. So, the hospital sent me a final bill of {$80.00}, which I paid. 

To my surprise, some months after the hospital started to bill me an alleged difference of {$1500.00}. 

The hospital received {$18000.00} per each ridiculous session of 30 minutes. More than the estimated {$120.00}. 

This overpriced charge is totally illegal since the hospital adjusted the cost with the insurance as well as already charged me the difference not covered that I paid promptly. 

It is notorious that once the total charge is repriced by the insurance, and the provider accepts the lesser fee, the extra value CAN NOT be charged. 

Some months ago, came to me an internal communication whereby the actual hospital employee recognizes they are trying to receive an amount 400 % above the price already paid which they prior accepted. 

The hospital is violating the No Surprises Act rules by billing us an enormous amount extremely over the good faith estimated price. 

Besides, I didnt receive any itemized list with specific details about the services provided able to justify the amount pursued by the hospital. What in that physical therapy sessions would justify such a huge cost? 

Recently, I started to receive threat letters from Sage Law Offices ( debt collector ). Even after I explained to them and PROVED the payment, they are insisting on harass me with undue charges. I made some search, and it seems to be the modus operandi of this Law Firm. 

On XX/XX/2023, I disputed the collection. However, nobody answered me. 
On XX/XX/2023, I received another debt collection letter, once again ignoring my dispute.
Product: Student loan

XX/XX/XXXX-XX/XX/XXXX I consistently contacted the school about the status of my financial aid. XXXX XXXX who is supposed to be my success coach and financial aid advisor rarely calls, and rarely emails me back. He always replies to my questions with, you have to go search for scholarships ; never provides any real feedback on the entire outlook on my financial aide status as it relates to, having enough funds to graduate. I notified the dean of this exact issue before ; they never resolved it. The school sends most students refunds that are equivalent to XXXX and then I had classmates who complained the year before they graduate, the school drops them from courses because they charged them with not having enough money to complete their last quarter. The cycle needs to end at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit card or prepaid card

I travel to XXXX Florida on a weekly basis. When Im there I stay at my parents home and purchase a {$50.00} gift for each night that I stay. My mother tried to use the gift cards and they were denied. The company website to check the balance is down and so is their telephone. We have 9 {$50.00} gift cards that do not work. The company is Vanilla gift cards through Visa. There are numerous complaints about the same thing happening to other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information about my business. It keeps saying it will send me a postcard to verify me but wont and I never receive it - it is sending my customers to the wrong address and I am seeking action now against them
Product: Student loan

I have contacted this agency and they appear to have knowledge of my credit history. They are local and seem to have a systemic view of my credit score and they are assured that they will receive my payments in advance in public service forgiveness loans. I have contacted them and they have shared they are not improving my credit score because of past debt. The credit history will reflect this. They shared I have correct information in the system. This loan was cleared in XXXX. 2 Federal Stafford Loans. Pell Grants. Also I received grant money and scholarships in XXXX. The credit history will reflect this.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, LVNV Funding LLC, has been reporting inaccurately and violating my consumer rights. First, I do not have a signed contract with LVNV Funding. It is also reporting as open on XX/XX/XXXXXXXX  which means it is re-aged and is a violation of the Federal Credit Reporting Act. Furthermore, my consumer rights were violated which states per 15 USC 6802 ( b ) ( 1 ) ( B ) that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. No consent was provided by this company. Lastly, LVNV Funding LLC has also violated consumer law 15 USC 1681b ( a ) ( 2 ) Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. Again, no consent was given to this company.
Product: Credit reporting or other personal consumer reports

I had a fraudulent charge card opened in my name i disputed It with the company XXXX XXXX this was in my they sent a letter saying it was resolved in my favor and it will be updated with the credit report i have Sent the letter to the credit report XXXX disputed it it came back XXXX i disputed It it came back and again XXXX i have Contacted the company they said notification was sent and again its still on my report which is reading negative and making my score low at this point someone needs to be held accountable for the credit bureau actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reporting inaccurate information to my credit report which is harming me and costing me higher interest rates. They refuse to investigate properly and are taking XXXXXXXX XXXX XXXX word for truth instead of investigating properly, because I know for a fact that I do not have a contract ( wet blue ink signature ) with the company they are falsly reporting on my file. I am reporting this here with the CFPB to scrutinize the legitimacy of an errant account that Equifax claims I owe on my credit report compliant with FCRA, Fair Credit Reporting Act. As expressed in Section 609 of the FCRA, I have the account listed below that is errent, inaccurate, wrong and unverified : XXXX XXXX  XXXX, I have made NUMEROUS attemps to contact this company for validation and no response. This is how I know EQUIFAX is not reporting accurately. I assume that EQUIFAX is making PROFIT from this company to report inaccurate information to my credit report which has harmed me personally. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. THIS IS WHAT EQUIFAX IS DOING!!! I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it with wet blue ink is how I sign always ) that you have reported on my file for the account you listed as XXXX XXXX  XXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account you listed as XXXX XXXX XXXX.
Product: Credit card

My credit card had a XXXX address. 
In XX/XX/2016 I accepted a temporary work position in XXXX. From XXXX onwards, the only charges that were made on my credit card were in XXXX, or on the way to XXXX. No charges were made in XXXX after XX/XX/2016. 
At the end of XXXX I contacted Capital One and requested that they send my monthly statements to me in XXXX. A week later they froze my account for " suspicious activity ''. This suspicious activity turned out to be my address change request. 
After speaking to multiple " fraud specialists '' ( ahem! ) to resolve the issue, I decided to stop using the card. I was told that in order to obtain the rewards owed to me, I would need to speak with a manager of Capital One. A specific appointment was made for this to happen on XX/XX/XXXX at XXXX EST. Capital One chose not to keep this appointment. 
Capital One will take my final payment, but wont release my rewards without manager approval. It makes no sense. Actually nothing that Capital One has done during this fiasco has made any sense. Capital One has since changed the address on my card to my XXXX address! And this is the suspicious activity! If I had not made this address change request, my account would not have been frozen. 
I would like help in obtaining a check for my rewards of {$250.00}. At no point has Capital One said that these rewards are not due to me. But they said it has to be approved by a manager. I have run out of patience trying to deal with Capital One on an issue that they have handled very poorly from the start.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payments Account XXXX BANK XXXX # XXXX Dear Credit Officer, I am writing to formally dispute the accuracy of the reported late payments on my credit, Account # XXXX. Upon reviewing my records, I have identified discrepancies with the late payments reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX According to consumer protection laws : 1. 15 U.S. Code 1637 : This regulation requires that all information related to my account be accurate and complete. 
2. 15 U.S. Code 1681i : This law mandates that creditors investigate and correct any inaccurate or incorrect information appearing on my credit report. 
3. 15 U.S. Code 1681s-2 : This provision obligates creditors to notify credit bureaus of any errors or disputes related to the account. 

After carefully reviewing my payment history, I believe the reported information is inaccurate. Therefore, I am requesting that you initiate an immediate investigation to verify and correct any errors. 

Additionally, under the regulations set by the Consumer Financial Protection Bureau ( CFPB ), you are required to take corrective actions should the information be found incorrect. I also request the removal of any inaccurate late payments from my credit reports with all relevant credit bureaus ( XXXX, XXXX, and TransUnion ). 

Enclosed are copies of my credit report and any supporting documentation relevant to this dispute. 

Please confirm in writing that you have received this letter and inform me of any actions taken as a result of this investigation within the timeframe set by law. 

Thank you for your prompt attention to this matter. I look forward to your response and the immediate correction of the inaccurate information. 

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

XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus XXXX, Transunion and XXXX about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my Transunion and XXXX report. On my XXXX report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent credit score.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf to address unauthorized inquiries on my credit report. The information in question does not pertain to me, and I request the prompt removal of this fraudulent data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my credit report XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX   Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX   XXXX Inquiry Date XX/XX/2020 XXXX
Product: Credit card

Synchrony Bank, erroneously charge my account XXXX XXXX It took them 13 months to fix the problem and they have. In that 13 months I was charged XXXX XXXX on that fraudulent debt. That over charged interest is still currently being charged at XXXX XXXX, so this fraudulent charge is still accruing interest totaling over XXXX XXXX Synchrony Bank has not responded to 3 Dispute forms we have submitted. Attached is the statement where the amount was corrected and the balance that had been charged interest. The interest should have been refunded when the charge was corrected, so I have been falsely charge interest on the amount that should have been refunded.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am writing to dispute inaccurate late payment information reported on my credit report for the above-referenced account, held with XXXX XXXX. Upon reviewing my credit report from Equifax, I identified discrepancies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. These late payments do not align with my payment history. To the best of my knowledge and records, I have consistently paid this account on time. 
Account Information Account Number : XXXX High Balance : {$1000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : -- Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments reported for XXXX, XXXX, and XX/XX/XXXX. 
Request for Investigation Pursuant to the Fair Credit Reporting Act ( FCRA ), I kindly request : A detailed investigation into the inaccuracies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. 
Documentation or proof supporting the claim of late payments, including specific dates, amounts, and any relevant communication. 
A description of the investigation process followed, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of receiving this dispute.

If no valid proof of late payments is provided, I demand that my credit report be updated to reflect the accurate status of " Paid As Agreed Never Late. '' Thank you for your attention to this matter. I look forward to your response within 30 days. Attached is a copy of my credit report for reference. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I asked for help provided everything they asked of me. They still have n't reset my account. It takes 4 days for them to answer. They do n't use the screen shots I provided. They overdrafted my card and I took a screenshot of policy saying in that case there will be a refund. Please fix this asap
Product: Vehicle loan or lease

Ally XXXX I called XX/XX/XXXX to get a 2 month Deferral I changed jobs and it got us behind. Deferral was granted after paying 1 payment {$450.00} that day and speaking to XXXX XXXX ( the car is in XXXX name so they needed to speak with him ) I wanted to set up automatic payments but rep said I cant until the deferral is processed. Then a month later when logging on to pay my payment it said we were behind. This was XX/XX/XXXX spoke to 3 reps that morning one of which said he could fix the problem and just do a 2 month deferral now due to the mix up and began the process and then realized he would have to talk to XXXX due to the loan being in his name I tried several times to get him on the line and got disconnected then when I called back twice no one could help me. I had to go into work. Called back later that night with XXXX still XX/XX/XXXX and spoke to a supervisor XXXX # XXXX explained she said that there was only a 1 month extension I advised that was the problem it should have been 2 months per conversation XX/XX/XXXX. Advises I want the calls pulled and reviewed from XX/XX/XXXX and the morning of XX/XX/XXXX and I want this resolved. Was told will take a few days and that she ( XXXX XXXX will call me back XX/XX/XXXX and she will put a DNC on my account til resolved. She never called back and collection calls continued on account. XX/XX/XXXX called and was told no supervisor avail to talk to me will have someone call me. XX/XX/XXXX was on hold over an hour with no one coming on line to check on me then told that they have other people to talk to no supervisor can talk to me today will need to call back tomorrow. XX/XX/XXXX called and talked to XXXX XXXX who said that it is under investigation and that he cant do anything for me but will have XXXX call me back. Advised him that she had never called me back he said he cant do anything because she opened the complaint. XX/XX/XXXX no phone call from XXXX Did receive a message from someone couldnt make it out on recording called and was told that I have to speak with XXXX he is the one who called me but he isnt there now. Will tell him I called and have him call me tomorrow. XX/XX/XXXX rep again knows nothing, nothing noted on account and no one avail to talk to and will have XXXX call me at XXXX tomorrow morning. XX/XX/XXXX no call back. XX/XX/XXXX rep said that XXXX is not there asked what time he comes in rep said doesnt know she said she will check and see if he is there? Came back to line and said he is not avail not there until XXXX. Advised I have a job and work full time I need to speak to someone now that can handle this she put me on hold and came back and said that there isnt a supervisor to speak with they all have other calls to take. Advised thats ok I will be filing a complaint and calling an attorney tired of dealing with this
Product: Debt collection

First of all, I have XXXX complaints for the SAME thing from XXXX on my XXXX credt report and it 's on XXXX once. Secondly, I called XXXX to tell them to cancel my service, since my husband had passed away and he was the one who had used it. They did not cancel when they were supposed, and their service was not even used during that period they 're charging for. What really burns me up, is that I had been a customer with direct for more than XXXXXXXX years, and they treat their loyal customers this way.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to contact contact. XXXX XXXX many ti 'm? But I could not get in contact with them when I did finally get in contact with someone. She was rude and she hung up the phone on me. I just request that since it was a charge-off. That I received the 1099 form for the charge-off. And i've been getting to run around every sense