23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my diagnosis codes and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my diagnosis codes / personal medical information.
Product: Debt collection

On XXXX XXXX, the HR representative for the company I work at, opened a letter, post marked XXXX from Capital One demanding a 25 % garnishment of my wages. I found this out by calling the Law Firm who sent the letter as my HR rep and I could not even figure out what she was supposed to do! I was told that she is to garnish 25 % of my wages and send to them each month! The total debt is $ XXXX and was a judgment filed against me in XXXX! When I told the Attorney I would be happy to make a payment plan with them, I was told I could not until 50 % of the debt is paid via garnishment! 

If I made loads of money, 25 % is a lot of money! Even if I got a second job, I do n't think I 'd be able to recoup and be able to pay my rent and other bills! I spoke with the attorney where I am working who explained that a credit card judgment is obsolete after 10 years so that is why they are trying to collect after all these years! I did not receive any mail from them, I still have not! There was a postcard attached to the paperwork that HR received where I could ask for an emergency hearing, which I immediately filled out and put in the mail. I am just flabbergasted! I am absolutely willing to try to make this right but I ca n't afford to be homeless trying to pay for a very old credit card, and the thousands added for interest and late charges.
Product: Debt collection

I am submitting this complaint on behalf of my son ... my son is in XXXX at the moment do to XXXX several months ago ... my son received a letter dated XXXX XXXX. XX/XX/2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his medical issues at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..todayXX/XX/XXXX XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in XXXX for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..
Product: Student loan

I graduated from XXXX college in XX/XX/XXXX. I was not offered any student aid I was only XXXX at the time was unsure of exactly what I was getting myself into. I had XXXX private loans taken out from American education services. I graduated and could n't find a job in my field until two yrs later. I was able to finally start working as a medical XXXX after 2 yrs of deferments. I started working at an XXXX I was able to get my foot in the door due to knowing the XXXX supervisor. I 've been paying on my student loans since XX/XX/XXXX I was given a loan from AES for XXXX I 've paid a total of XXXX dollars only XXXX has gone to the principle and XXXX in interest. I still owe over XXXX I 've paid XXXX dollars a month. I recently was sent to collections in XX/XX/XXXX I paid in XX/XX/XXXX I was late due having my rent money stolen from me. I informed AES of what had happened and I would be able to pay them in XX/XX/XXXX I was told I had 60 days to pay before it effecting my credit I was sent to collections which resulted in my credit score dropping over XXXX points. I 've never been late paying them I feel I 'm in a never ending interest battle with AES. XXXX college did not help me with a job after school like promised which resulted in me having to defer my loan and now I 'm struggling to pay off this loan. It 's extremely frustrating that now XXXX do not need the schooling to become a XXXX now I 'm stuck paying this what feels like a never ending loan for something I could have just avoided and now my credit score has dropped tremendously due to a financial hardship that I had no control over.
Product: Debt collection

I went to my in-network XXXX doctor, and he administered a test. Apparently, the company this test is associated with ( XXXX XXXX XXXX ) claims it is my responsibility to pay for the test. When I informed them that I use only in network providers and if I had been asked if I wanted to continue with the test being they would not be " in '' network then I certainly would not have. 
The lack of communication does not fall on the patient that is at their in-network provider. They need to have proper protocol in place. 
They insist on putting this on me. 
They forwarded this to a collection agency.
Product: Mortgage

Company stopped drafting auto payments for XXXX and XX/XX/2023 unbeknownst to be. 
The first I learned of it was when I received a certified letter stating my loan was in default and foreclosure was imminent. I had made several additional online principal payments prior to the autopayment being disrupted but I did not cancel the autopayment feature. Perhaps that trigger something in their system thinking I was paying off the loan. 
The company responded to my complaint by saying they were not at fault. I asked them to offer proof that I was the one who cancelled the autopayment. They have not responded. I was charged {$200.00} in late fees and penalties and reported to the credit bureaus as a late payer knocking my credit score down by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are falsely reporting late on the XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 11 and 12 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is  impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in my home life. The following accounts that you must remove are listed below : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ALERT : Proof of COVID deferment was submitted by Chase. XXXX REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX ' results.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED is currently in violation of many of my FCRA & FDCPA rights! 
they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of XXXX  years which is also a violation. I will proceed with legal action
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I belieive these practices are unfair and request an investigation into my account. transactions.
Product: Credit reporting or other personal consumer reports

Late payments showing on my credit report that are not accurate, I have never been late on these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

On XX/XX/2016, I applied Chase XXXX credit card, and got approved one day later. On XX/XX/2016, I was charged for {$450.00} annual fee for this credit card. On XX/XX/2016, my XXXX credit card was forcibly closed by Chase. However, before my credit card closure without giving any specific reason, at that time, I had't got a chance to make a single transaction. 

I tried to contact Chased to discuss how to refund my {$450.00} annual fee in early XXXX, since Chase will refund the annual fee if the account was closed within 30 days of the account opening date. ( It is only 18 days from XX/XX/2016 to XX/XX/2016, so it is eligible to receive the annual fee refund ) However, the representative answered my phone and rudely told me " ... we wo n't refund annual fee, even within the 30 days window, if the credit card was closed by the bank end ... ''. And he was in a very inpatient and unfriendly mood. I then still nicely asked if they have any rule or policy specifically stating this, he told me there is a rule on the card agreement, and when I handed out the agreement ask which rule it is, he only pointed out the rule indicating how they would charge the annual fee. I then felt like I was fooled, so I hung up and called again, different representative, and she said " there is a rule '', but when I asked which rule it is, she even failed to answer! So ridiculous! 

Later I went through the entire card agreement they sent me, and clearly there is NOT a rule says like " the annual fee wo n't be refunded if the credit card was closed by the bank end ''! These representatives lied on their own agreement! They ate my {$450.00} fee illegally on my unused credit card, and never wanted to return it! I can not believe this is how JP Morgan determines you are not a valued customer, closed all products they offered without giving any reason, and finally kept all the fee they should refund!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is among that which was stolen. Equifax should be SEVERELY penalized after they exposed XXXX XXXX people to identity theft through gross negligence. Also, those executives ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, who all elected to sell a significant amount of their shares outside of XXXX scheduled trading plans just days after the breach, need to be investigated for insider trading and face prison time, not to mention delaying informing the victims for months in order for employees to cash out stock options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). 
Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. c
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : 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 XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}, EXPERIAN XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked in writing from Portfolio Recovery to provide proof os Substation back in XX/XX/XXXX. I waited for a response, both accounts were deleted from my credit report. I received a letter from them asking for substation again and I refused to ask again. A few weeks later they re-inserted onto my credit report. I did not receive notice that they were going to re-insert the debt back onto my credit report.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I had to pay rent and went to withdraw my saved up unemployment benefits on Nevada Bank of America Unemployment Card. I received the error message " Tech Error ''. Contacted Bank of America and was told call Nevada DETR- call Nevada DETR several times stated DETR did not close account, you must verify your identity with ID.me online- Add identity info and still waiting as of today for a solution. I NEED MY MONEY NOW!! I fax BOA Resolution desk with this complaint- BOA need to transfer my government unemployment balance to my XXXX XXXXXXXX XXXX  with direct deposit notice given and sign. I CAN NOT USE BOA UI CARD - THE CARD IS CLOSE AND I CAN EVEN ACCESS BOA UI ONLINE FOR TRUE BALANCE! TRANSFER Balance NOW! 

Nevada Unemployment Insurance Debit Card - Home Page XXXX XXXX What's happening : As of XX/XX/2021, your Bank of America debit card will no longer receive deposits from the NV DETR. Your Bank of America card account will remain active until XX/XX/2021. What you need to do : Prior to XX/XX/2021, you may continue to use your card. If your card expires after XX/XX/2021 it will not be reissued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a two collection accounts on my Experian Credit Report. One by XXXX XXXX XXXX Co ) for {$900.00} and the account was opened fraudulently in my name on XXXX XXXX. At the time I was only 17 years of age, a minor cant open any accounts nor be legally responsible for a debt. This is a inaccurate account, and must be removed. There is also another account by ( XXXX XXXX ) this is for a apartment community collection. This account was opened XX/XX/2022. This is another account that was opened not be me. Also this was opened before I was 18 years of age. This is inaccurate reporting and this collection account must also be removed. There is also a account showing up negative information by the name of XXXX XXXX XXXX XXXX ) with a balance of {$180.00}, and the account was opened on XX/XX/2022 before I was the legal age. This isnt my account therefore is inaccurate reporting once more and must be removed. I have also made a FTC Report, with report number XXXX related to this matter.
Product: Debt collection

Capital one is not taking collections off of my credit report thats over 7 years old every time I dispute it on XXXX it doesnt clear off this debt has been settled for some years now both accounts are closed out and has been closed out for over 7 years
Product: Credit reporting or other personal consumer reports

Please remove all hard enquirers I dont remember to applying for them
Product: Credit card

They talked me into signing up for a credit card or a wage access credit card and then they told me to put my direct deposit to that bank account that then they gave me a spending limit of {$100.00} until my paycheck went through on the next pay period well today was the next pay period my check was supposed to be direct deposited into my XXXX account after they took the XXXX dollars and now my check was deposited into their account, but there is no money to be found not in my account not in myReset account and not in my XXXX account so my paycheck is nowhere to be found. They won't email me back. They don't have a phone number to call them. I reached out several times. I have also contacted my employer and asked them if they could see if my check was sent to that account and they confirmed it was! So my paycheck is no where to be found and now I can't pay my rent or my car payment!
Product: Student loan

I 'm trying to pay my bill that 's due XXXX XXXX, and I 'm trying to apply extra money to go to principal. I want to pay {$740.00} dollars ( XXXX goes to my monthly bill and the rest would go towards principal ). On their website, it only allows me to make the minimal payment and it says, " Please match the requested format ''. It 'll only allow me to submit payment and take me to the next page, if I type in my minimal payment of XXXX. There 's no option of paying more than the minimum balance and when I do try to type in more money in the box it wo n't allow me to go to the next page. I feel this is unfair, because of the bugs or kinks on their website, I have to suffer and accrue interest on the extra money I was going to pay. This is another way of keeping people in debt, and not allowing them to pay off their balance. I will attach screen shots.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

I attempted to reach out to the credit bureaus to remove the improper items on my credit report
Product: Mortgage

In XX/XX/2022 Mr. Cooper advertised that if you had financial troubles you could get a deferred plan to not make mortgage payments for 3 months with an option to extend to 6 months if needed. The monthly payment plan would increase from {$550.00} ( approx ) to {$640.00} ( approx ) per month to cover insurance and tax payments ) The remaining mortgage amount would then be deferred to the end of the mortgage date. 

I agreed this was the plan I desired. My forbearance plan was for XXXX, XXXX, and XXXX of 2022. 
When my end date approached, I tried to resume my mortgage payment but Mr. Cooper would not accept my payment unless I paid the full amount of the last 3 months ( approx {$2100.00} ). 

I informed them this was not the plan I agreed to. Talking to XXXX at Mr. Cooper today she informed me that the deferment had not been applied for, thus I owed this money at the end of the forbearance plan. 

I had received ABSOLUTELY no information on this and had been assured in XX/XX/2022 that everything was complete. 

I feel the company misrepresented the information that was provided to me and believe this may be a scheme to foreclose on my property to harvest the equity ( approx {$28000.00} ) from my home, although I can not prove this, of course.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-17 I sent a credit dispute to XXXX XXXX to the address listed on my Experian credit report via certified mail. 

The address listed was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX The parcel was returned to sender and XXXX  did not respond within 30 days. 

In accordance with the FCRA this item must be deleted. 

A copy of the certified mailing and Experian credit report are attached.
Product: Credit card

I went online on XXXX XXXX XXXX and went on chat with an Apple store online specialist to to a trade-in, I gave him/her the serial number of my trade-in and asked what laptop I wanted for the trade-in, so I gave the specialist that information and was advised that he/she will create a bag for me to check out with the trade-in credit amount of my trade-in. I did just that and used my apple credit card to pay for the difference of the trade-in. All is well and I picked up my new XXXX XXXX and waited for the trade-in box that the Apple store sent me to ship my trade-in XXXXXXXX XXXX XXXX. After some time I was shocked that I was charged by Apple credit card the {$760.00} credit value of my trade in. I called right away but Apple failed to open a case for me after they promised to research and follow up. I filed a dispute with Apple card explaining my side and told them I am at no fault. I followed all steps that the apple online specialist told me to do. All is well until I got an email that I didnt win my dispute evern after not having my trade in XXXX XXXX back, I re-opened the claim again as this is getting out of hand and Apple will not admit to their error/mistake, Apple store is claiming i cancelled the trade in, which I did not!