23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

URGENT! ACTION NEEDED : False representation, unethical behavior and consequent actions of a medical facility and health corporation along with padding medical costs, etc. : I went to court yesterday, at XXXX in the XXXX County Justice Court in XXXX , Mississippi , an attorney with Healthcare Financial , the legal representative for XXXX XXXX Hospital presented legal proceedings against me for medical bill debt collection. It was at XXXX XXXX Hospital 's Emergency Room where last summer, in XXXX, I received Emergency Room medical services, one, in XXXX machine for XXXX which skyrocketed the bill, and Paid {$40.00} on bill and was not reflected at court, XXXX, Tuesday, XX/XX/XXXX. So, before any collections, my bill was paid before judgment and notice, why should I now after court and stating my case face financial repercussions. There in Justice Court, the Judge XXXX XXXX ruled in favor of Healthcare Financial ( XXXX XXXX Hospital ) in a ruling of over {$1100.00} in ER medical costs ( the original cost, not reflecting the {$40.00} paid while in good standing-UNFAIR to turn over to collections ), court costs and attorney 's fees, even though Healthcare Financial with their paperwork quoted me as owing the entire amount of the medical bill, not giving credit nor taking into account the {$40.00} I paid back in XXXX to the XXXX XXXX Hospital and I have my receipt. The original medical bill only, after I paid {$40.00} in a good faith effort was {$850.00}. Early on in summer XX/XX/XXXX, less than a few weeks after receiving services, I contacted the hospital requesting to make payments of {$10.00} to {$20.00} a month and more when I could afford to and was declined. I was told the least payments the hospital would accept was {$40.00} a month. With all my tons of bills, I struggled to make any payment, yet, while my medical account was in more-than-not, in good standing. I told the attorney I paid {$40.00} on my medical bill, and she said to me in the presence of the judge, " You should n't been able to pay them. They should n't took a payment from you. '' But they did! And I have the receipt from XX/XX/XXXX. However, in Justice Court before all speaking aloud, the attorney for Healthcare Financial-XXXX XXXX Hospital said after I asked the Judge, XXXX XXXX could I continue on making payments or more affordable payments to the hospital and the attorney said I could pay a COLLECTION AGENCY, and the damage has already been done. I was more than not devastated. The attorney did not take into account the {$40.00} payment and asked for better arrangements, therefore my account should not be turned over to collections in such unethical and credit not taken into account.
Product: Debt collection

As of XX/XX/23 the amount owed to " Puget Sound Collections Inc '' is a total of {$3300.00} after interest. However, I never received any type of notice from the original biller that I had a bill that was owed, nor from the collection agency. I had medical coverage at the time of service, XXXX, in fact. I have proof of coverage. Had I actually received notice in a timely manner ( within 2 years from DOS ), I could of had this resolved with the original biller by providing proof of coverage. 

This is the most recent information on this collection due a recent dispute filed with the three credit bureaus.

I will continue to dispute this as I am not responsible for it, this would have, absolutely been paid and taken care of had the original biller and the collections agency done proper due diligence in reaching me to get this taken care of. I have proof that the hospital bills were paid, which is the same time that these collections are showing for DOS.
Product: Debt collection

XXXX took an easy route and transferred my tenants debt to me, the landlord. 
I have tried and tried and after even confirming with XXXX themselves that the debt is not mine and that XXXX XXXX would pay, they still put the debt in collections. 
When I called XXXX they tell me to call collections. When I call collections they call me to call XXXX. 
I e sent all documentation to clearly show this is not my debt. Yet they still want me to pay.
Product: Checking or savings account

Ally is not providing me my XXXX, XXXX and XXXX monthly statements!!!!! 
Also Ally has still not transferred my IRA accounts to XXXX XXXX... 
Are you just paper shufflers???? Why are we paying taxes for a dept. thats does nothing????? If you are not going to do anything about this just tell me flat out and I will make it my life 's work to abolish your dept. 

Below is my previous Complaint which you did not resolve!!!! 

Here we go again. Until you do something about closing and transferring my account I will keep filing complaints ... Fine Ally that will get their attention .... Still no closing my account and transferring the funds to XXXX XXXX... This is the Complaint I filed again in XX/XX/year>. NO statements were mailed to me bc I can not access my statements on line bc of Ally 's system. You closed my Complaint BEFORE I received a statement on a closed account and I still have not received a statement on my IRA account which has over {$500000.00} in it. What is wrong with this government agency?????? Do you do anything to protect consumers????? Hit ally with a XXXX XXXX dollar fine and then maybe they will respond. Ally is laughing at you. In addition I want my IRA account transferred to XXXX XXXX. which have provided written authority to Ally on THEIR forms over year ago!!!!! Is your agency just paper shufflers????? Here is my last Complaint text : I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXX XXXX  and XXXX  who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO XXXX. Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. Based on your past no action I don't expect you will fine Ally Bank or resolve this but I want a Complaint on record.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Unauthorized Transactions XX/XX/23 {$100.00} XX/XX/23 {$400.00} Atm cash withdraws I tried to withdrawal money from the atm on XX/XX/23 and my transactions kept getting declined stating that I reached my daily withdrawal limit. Upon checking my account I noticed my account had XXXX unauthorized withdrawals in California in the amounts of {$100.00} and {$400.00} totaling in {$500.00}. I contacted Way2Go customer service and the representative was very rude and kept insinuating that it was me and there would be nothing they could do. She still did file the claim for me which I never received my paperwork to send in which they automatically denied my claim nor did I receive a new debit card. Ive had to call them over and over to get the investigation results, which is where they didnt investigate. After months of calling I finally received my new card on XX/XX/23 on XX/XX/23 I received another denial letter with absolutely no context behind it whatsoever they have not done any type of investigation theyre just going off of their own assumptions
Product: Credit card or prepaid card

A credit Card was filed in my name and my social was used to apply for card. I wish to have this card removed from my credit history and hopefully have the person responsible held accountable for their actions.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvesting of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses and failing to adequately notify customers of disputed outcomes. These failures align with my experience, where Experience has neither corrected nor removed disputed items despite the evidence where I provided causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

In XXXX I went into a wells Fargo branch in XXXX, XXXX inquiring about a loan. At the time I knew very little about the way a loan works. The banker took advantage of my ignorance and gave me a {$5000.00} student loan as I was a student at the time. For years I made the minimum payment as it was low and never reviewed the loan in its entirety. The loan was transferred to XXXX XXXX XXXX in XXXX. XXXX claims my interest rate is XXXX % yet on my last payement they applied {$6.00} to the principal when the total payment was {$77.00}. They charged {$70.00} of interest. I have made on time monthly payments with both creditors for the duration of opening the loan until now which has now been over XXXX years. As of today the principal balance is {$4400.00}. Something has gone terribly wrong and I need help investigating this issue.
Product: Credit reporting or other personal consumer reports

Citizens bank on XX/XX/year>, I did not request a card through them. 
Wells Fargo Card Services on XX/XX/year>, I did not request a card through them. 
XXXX XXXX XXXX  XXXX XX/XX/year>, I did not request a card through them. 
I have frozen my report since these inquiries and have gotten numerous notifications that someone out there is trying to use my information to obtain credit since I have frozen my credit report.
Product: Credit card or prepaid card

I have been calling over XXXX to try to receive a refund for merchandise I returned back in XXXXXXXX to New York & Co in which I used my store card to purchase. The company has pulled tracking info & acknowledge the XXXX items were received at their warehouse but returned never processed. Each time I call they tell me a refund transaction in the amount of {$210.00} is being processed & I should get an email confirmation in a few days. I never receive anything & supposedly the process starts over. I asked to with supervisors, none are ever available. I even filed a dispute with Comenity bank who resides over the NY & Co credit card, I gave dates, times, item # & amounts on XXXX with a mgr, XXXX. I called to follow up the claim a week later and find out it was close the same day I opened it on XXXX. They are now stalling asking me to mail in the exact details already given when XXXX sure the paper documents will never be seen or investigated the same way all my previous claims have ignored. I filed a complaint with XXXX  on XXXX, it was closed on XXXX because NY & Co never responded. New York & Co has numerous complaints of the same nature from various consumers on their XXXX. This company needs to be invested from fraud especially since there was talks of bankruptcy not too long ago. 
Details of my Dispute : Order # XXXX Items Returned : XXXXXXXX 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 Notes of my calls since I started documenting : XXXX return {$210.00} refund amount spoke with rep Mark XX/XX/28 at XXXX, XXXX with rep XXXX XXXX, no update will schedule task & update me tomorrow, spoke XXXX  from Comedity bank filed dispute on XXXX XXXX XXXX will give message to supervisor to XXXX will also process another request for refund XXXX filed another dispute with bank prior claim was opened on XXXX & closed on XXXX
Product: Credit card or prepaid card

I paid Care Credit by mistake online on XX/XX/2020 for {$4800.00}. Care Credit account is handled by Synchrony bank. The payment was meant to pay my Visa account. 

XXXX XXXX  tried several times to contact Syncrony bank to return the mistaken payment but did not get any respond. Then I tried to fax the details of the payment I got from XXXX XXXX with request to return the mistaken payment. I did this three times in three weeks of XXXX but also went unanswered. 

I tried reaching out to Synchrony Bank customer service to get connected to their department that handled unapplied account payment but always put on hold and then disconnected. 

I used to have Care credit account but it was closed a long time ago. I don't owe them anything.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXXXXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. The email I used for my Mercari account is XXXX. 
I ordered a monitor off of Mercari, a selling website where people can make listings for items. I ordered a monitor that I confused with another model, and this person 's particular page didn't have the exact specifications of the monitor, so no details about resolutions, or if their internal features were working, it was just listed as working as a whole. It said on their selling page that it would come with its mounting stand. 

I received this package and it came without its mounting stand, and a defective XXXX module inside of it, not letting me use a proper feature of the monitor without messing up the imagery on the screen. I promptly contacted Mercari for a refund because this was not what I was expecting, and they asked for pictures of the monitor which I gave them. They then said there was nothing they could do and refused to give me my money back, and marked the purchase as complete and the return was denied. I need that money for my tuition. The monitor was {$410.00}, the warranty purchased alongside that was {$29.00}, both purchases were made on XX/XX/2022. The item ID for the monitor is XXXX. 

Please help me. I need my money back for college. Mercari is refusing to give me any compensation for it and I have a monitor I can't use now. The seller wants to accept my return but Mercari doesn't want to accept it. Please please help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to bring to your attention significant inaccuracies in my credit reports that require immediate attention and correction. I have diligently disputed these discrepancies multiple times, yet they continue to be reported as verified, which is in direct violation of the Fair Credit Reporting Act that mandates accurate reporting. As per the law, you have 15 days from the receipt of this letter to investigate and rectify the discrepancies as outlined below : Account name : XXXX Account Number : XXXX ( XXXX )/ XXXX ( TransUnion ) Account Type : Revolving Account Type - Detail : Credit Card Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX : {$690.00} No. of Months ( terms ) : XXXX High Credit : {$840.00} ( XXXX )/ {$0.00} ( TransUnion XXXX XXXX XXXX : {$500.00} Past Due : {$690.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) XXXX of Last Payment XX/XX/XXXX It is evident that the information being reported on my credit report is both inaccurate and damaging to my creditworthiness. I urge you to thoroughly investigate this matter, contact the creditor in question, and ensure that the information is corrected to accurately reflect the status of this account. I have attached supporting documents that validate my claims and demonstrate the discrepancies between the reported information and the accurate details. 
Furthermore, I request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies once the investigation is complete I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to comply with the Fair Credit Reporting Act 's guidelines could result in legal action. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX and asked them to validate the account ( last payment made XX/XX/2013 for {$4100.00} ) by sending me the payment method ( credit card, check, bank account used to pay ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this letter in the hope we can clear this error from the credit companies. 



Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/BELK I PURCHASED A {$1000.00} DIAMOND RING XX/XX/XXXX. QUALIFIED FOR 0 % INTEREST FOR 1 YEAR TO BECOME A PREMIER CUSTOMER!!!! 
LOW AND BEHOLD MY CREDIT SCORE DROPPED 40 POINTS!!!! 
I IMMEDIATELY GOT MY CREDIT REPORT AND SYNCB/BELK HAD NOT ONLY DID NOT CREDIT MY ACCOUNT {$610.00}!!!! WTH!!!! PLUS, THEY OWE ME CREDIT FOR THE INTEREST ON THE DIAMOND RING PURCHASE IN THE AMOUNT OF {$120.00}!!!! I DID PURCHASE A {$54.00} COAT THAT DIDNT QUALIFY. THATS FINE. BUT WHERE DID MY MONEY GO? SOMEONES BACK POCKET??? 
HOW COULD THEY MAKE SUCH A HUGE MISTAKE???? 
IM SO UPSET!!! WHAT IS GOING ON WITH SYNCB???? AND BELK????
Product: Consumer Loan

The details are in the attached letter that was sent to the bank. 
I was pressured into giving up my car and buying a newer one a at XXXX XXXX XXXX, CA. This matter is with the banks- Firstly, the bank issued a loan that I had no ability to repay. My income was, and still is {$480.00} that I receive from the VA for my XXXX. 
Second issue, the bank unilaterally changed the contract by altering the interest rate. 
Third issue was a disaster when the vehicle was repossessed. They mis-handled funds, sent letters saying they would do one thing and then did another. The entire evolution was a XXXX show. Excuse the language. 
Please see the attached letter I have sent to the bank. They did not respond to the letter, nor claim to have received it. I guess I ca n't prove that either way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and Experian is allowing XXXX XXXX XXXX to use XXXX XXXX XXXX XXXX AS AN ORIGINAL CREDITOR. THAT IS INACCURATE INFORMATION THIS COMPANY IS A SISTER COMPANY OF XXXX XXXX XXXX. AND THIS INFORMATION IS COMING TO LIGHT SOON. MY CREDIT CONTINUES TO FALL I CANT GET A CAR I CANT DO ANYTHING. TODAY I HAVE WRITTEN LETTERS TO EVERYONE WHO IS CAPABLE OF MAKING A CHANGE AND A CHANGE WILL COME. MY LIFE IS DESTROYED BECAUSE I CAN NOT MOVE FORWARD IN ANY WAY AND THIS IS DEVASTATING. MY NEXT STEP WILL BE FACE TO FACE WITH ANY AND ALL LAW MAKERS. A CHANGE HAS TO BE MADE IN THEIR DECEPTIVE PRACTICES. I AM REACHING OUT TO EVERYONE WHO HAS BEEN WRONGED AND TOGETHER WE ARE GOING TO STAND UP FOR WHATS RIGHT. PLEASE HELP ME I CANT EVEN GET A CAR TO GO TO WORK THAT MEANS I CANT OAY MY BILLS. 
IF WE HAVE PUT LAWS INTO PLACE TO KEEP THIS FROM HAPPENING WHY IS IT STILL?!