23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was seen at XXXX XXXX XXXX XXXX on XXXX for care. I didnt have insurance at the time and was not notified that I could apply for financial assistance for my XXXX  bill. When I did get insurance in XXXX I added it online to see if it would possibly cover the bill. I was never notified that I still owed the bill and/or that my insurance didnt cover it. Its now in collections and when I disputed to let the collection agency know that I had submitted this to my insurance and was never notified of the bill the only thing they sent back was just another copy of the debt bill.
Product: Credit card

I am writing to formally dispute a charge related to my XXXX XXXX flight and seek a refund for an unjust additional payment. 



On XX/XX/year>, I purchased a round-trip XXXX XXXX  ticket for {$1500.00} to travel from the XXXX to XXXX XXXX and return on XX/XX/year>. While in XXXX, I changed my return flight to XX/XX/year>, through XXXX app. The change was confirmed by both email and app, and I was assured I could take the new flight. However, upon arriving at the airport, XXXX XXXX XXXX partner airline denied my boarding, stating XXXX had not confirmed the flight change with them. 


To board the same flight, I was forced to purchase a new ticket for {$1000.00}. Since I had already paid for a round-trip ticket and had a confirmed flight change, this was an unfair additional charge. XXXX later admitted it was an employee mistake and offered me a {$200.00} gift card, which I provided as proof to my bank and my more they still denied it. 



After returning to the U.S., I disputed the charge with Bank of America. Despite submitting extensive evidence, including receipts, emails, and the XXXX-issued gift card acknowledgment, my claim was denied five times. The bank sided with XXXX, citing that the service was provided, or the ticket is not refundable though I was forced to repurchase a service I had already paid for. 



I am requesting : 1. A full refund of the {$1000.00} unjustly charged. 

2. A review of XXXX  mismanagement and Bank of Americas handling of my dispute. 


I have attached supporting documents, including my original and additional ticket receipts, my correspondence with XXXX, and proof of their acknowledgment of the error. I hope for a prompt resolution, or I may consider further action.
Product: Debt collection

Spring Oaks capital falsely reported information on my XXXX credit report and it's negatively effecting me from doing anything. I have reached out to them on numerous occasions in regards to this matter and they refused to take this off.
Product: Mortgage

I have an FHA mortgage on a residence that I currently reside in. On XXXX-2020, my mortgage servicer, Loancare, approved me for a 180-day forbearance. Prior to the start of the forbearance, my account was in a delinquent status because the mortgage payment for XX/XX/2020 had not been made. 

On XX/XX/2020 I was able to pay in full, the delinquent payment for XX/XX/2020. At this point, my account was caught up on payments and the only unpaid months were the months covered under the forbearance ( XX/XX/2020 and beyond ). 

On XXXX-2020, I looked at my credit reports for XXXX, XXXX, and XXXX. All three credit reports showed that Loancare is still reporting my account as delinquent even though the only payments that are outstanding are the payments covered under the forbearance. 

I read section 4021 of the CARES act which says : " If the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. '' I conducted further research on the CFPB website and found the following excerpt from an article entitled, " Protecting your credit during the coronavirus pandemic '' : " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' I made contact with a Loancare representative via telephone and explained to him that I believed Loancare was reporting my account incorrectly to the credit bureaus because, under the CARES act, my account had been brought current when I made the delinquent XX/XX/2020 payment. I advised him what I had learned from reading section 4021 of the CARES act and the article on the CFPB website. 

The representative advised me that my account was being reported correctly because if it was delinquent prior to the beginning of the forbearance, they were able to continue reporting the account as delinquent even after I had made the past due payment. He also advised me that even though the past due payment had been made, the account could still be reported as delinquent because the payment months covered under the forbearance are technically late. 

I advised him that I believed that the CARES was not being interpreted correctly and he ensured me that it was. 

My research leads me to the conclusion that payments that are not made while actively in forbearance should not be reported to the credit bureau as late under Section 4021 of the CARES act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported as Collection/Charge-Off.
Product: Checking or savings account

Subject : Complaint regarding excessive overdraft charges and violation of fair debt collection practices I am writing to formally lodge a complaint against the Bank regarding the excessive overdraft charges that have been imposed on my account over the past 365 days. This complaint is also on behalf of XXXX XXXX XXXX XXXX, who has experienced similar issues with his account. Firstly, I have been charged a total of 15 overdraft fees within the last year, which I believe is an excessive and unfair practice. These charges have had a detrimental impact on my financial well-being and have caused significant harm to my financial stability. Furthermore, these overdraft charges were not foreseen or anticipated by me, as I have always maintained a sufficient available balance in my account to cover any transactions. Therefore, I contend that these charges are not only unjust but also illegal under the applicable laws and regulations. In addition to the aforementioned concerns, I must bring to your attention a violation of the Fair Debt Collection Practices Act ( 15 USC 1692d ) committed by the Bank. On XX/XX/2023, at XXXX XXXX., I received a call from XXXX ( XXXX ) XXXX, which I later discovered was from the Bank 's debt collection department. During this call, profane and obscene language was used, causing me emotional distress and further harm. Such behavior is a clear violation of 15 USC 1692d ( 2 ) and is unacceptable. I hereby demand that all the overdraft charges imposed on my account be immediately removed, and the corresponding funds be returned to me without delay. Additionally, I am seeking compensation of {$1000.00} for each violation of the Fair Debt Collection Practices Act, as outlined in 15 USC 1692k. It is important to note that overdraft fee practices must comply with various laws and regulations, including but not limited to the Truth in Lending Act ( TILA ), the Electronic Fund Transfer Act ( EFTA ), Regulation Z, Regulation E, and Section 1036 of the Consumer Financial Protection Act ( CFPA ). These regulations prohibit unfair, deceptive, and abusive acts or practices, particularly in relation to overdraft fees. Charging overdraft fees on transactions that a consumer would not reasonably anticipate is likely to be deemed unfair and can cause substantial harm to consumers. I urge the Bank to thoroughly investigate this matter and take immediate action to rectify the aforementioned issues. Failure to address these concerns in a satisfactory manner may leave me with no choice but to pursue legal remedies available to me. I expect a prompt response to this complaint within [ 14 days ] from the date of receipt of this letter. Please direct all correspondence regarding this matter to the address provided above ]. Thank you for your attention to this matter. I trust that the Bank will handle this complaint with the seriousness it deserves and work towards a fair resolution.
Product: Credit reporting or other personal consumer reports

I have submitted FTC reports and have also submitted proof where the lenders have violated FCRA section code 15USC-1681 ( a ) ( 6 ) ( B ) ( XXXX ) Willful Noncompliance. The lenders are committing fraud by reporting a fraudulent Account and by going after me for the debt and they have written the debts as a charge-off and have received a tax break for the debts! They are committing fraud with the IRS!
Product: Credit reporting or other personal consumer reports

Transunion removed this account off my credit report because of a dispute in which it should have been removed. Transunion then reinserted this account without notification within 5 days per FCRA and needs to be removed. XXXX keeps manipulating the date as they only report the last 7 years and therefore the original first late payment is not being reported. When Transunion reinserted this account it seemed as if it was a new account.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Vehicle loan or lease

Hello. I am currently leasing a XXXX XXXX XXXX. I have been a customer since XXXX. Since I have had this vehicle ( over two years ) my payments have always been made on-time.

Earlier this year, I decided to take advantage of the auto-pay program that is offered. From my end, I appeared to have been enrolled, to my dismay on XX/XX/XXXX, while preparing my taxes, I noticed that I did not have any GMFinancial withdrawals from the bank account that I established auto-pay with.

I immediately made the two missed payments. A few days later, I received multiple credit report notification from XXXX  and XXXX. These reports dropped my score by 97 points. 

I then contacted customer service in order to have this issue rectified immediately. Customer service stated that they had called me on my office phone, and that I had not responded. I do not have an office phone and received no communication related to this issue. Had I been notified properly this issue would have been resolved right away. I was not provided adequate notification from GM. 

I was also told that GMFINANCIAL only reports to XXXX  but I received a XXXX  delinquency alert as well. Finally, the customer service agent said that they could not provide me with any further assistance and directed me to send in a letter in order to have this issue resolved.

This situation has created considerable financial duress for myself and my family. A brief review of my financial history will display that I always make on time payments and keeping my credit and finances in tact are a source of pride for me. The decrease is also substantial and does not fairly apply to this misunderstanding and miscommunication. A 97 point decrease is devastating. They also made it look like I was pass due {$3500.00} instead of the {$350.00}. That didn't process in auto pay!

I would really appreciate having these delinquencies removed having these delinquencies removed from my credit report as soon as possible.

Thank you for your consideration and support.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT CHARGES FROM MY CREDIT REPORT THAT ARE IDENTIFIED AS IDENTITY THEFT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report in XXXXXXXX XXXX XXXX. I noticed many fraudulent and inaccurate credit inquires on my credit reports that I did not authorize at any time or date. Inquiry number one : Company name : XXXX XXXX XXXX Inquiry Date : XXXX. Inquiry number two : Company name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XXXX Inquiry three : CAP ONE NA INQUIRY DATE : XXXX. I have contacted all companies by mail on XXXX but I have yet to receive a response. I would like all inquires removed within four business days as they are not accurate.
Product: Debt collection

CREDITOR XXXX XXXX XXXX # XXXX start date XX/XX/XXXX balance XXXX. 
orginal creditor : credit lending services start date XX/XX/XXXX orginal blance XXXX, acount removed XX/XX/XXXX DISPUTE i was never informed properly that my orginal creditor the dealership XXXX XXXX XXXX XXXX   sold my account, nor was it told to the insurance company or to the dmv. 
it was a fraudulent overturn of the account from the dealer to the 1st creditor then to the creditor inquesition. 

COMMENTS i have included 2 links of a claim from my insurance on the car that was a dated from XX/XX/XXXX for the amount of XXXX check number XXXX in to pay to the order of it clearly states XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. 
Also my sales contract states that XXXX XXXX XXXX XXXX is the financer. 
Not Credit lending services Please copy and paste : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Now in XX/XX/XXXX I had provided XXXX  with the claim above and they deleted the account off my record so XXXX went forth and decided to add it to my other reports and it hurt my scores hard XXXX   removed it but it didn't go back up except by 1 point and XXXX hasn't even gotten back to me as of now in any way. 

They have officially ruined my scores. 

Thank you and have a great day
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves   XXXX   XXXX   XXXX   on Experian, Partial account number  XXXX  Date opened :  XX/XX/XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter   XXXX   Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened  XX/XX/XXXX . I just recently traded in the vehicle in  XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have ITEMS left that needed to be removed. This is my 5th complaint that I am a victim of identity theft and I submit to dispute these certain items in my file resulting from the crime. Per FCRA section 605 the Credit Bureaus are required to remove any items listed on an ID THEFT REPORT # XXXX. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. Please see the items for REMOVAL below : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My escrow check was applied to my mortgage balance in error. Wells Fargo raised my payment amount by almost {$200.00}. I received a notice in the mail and it post marked XX/XX/2017 stating that my payment would increase on XX/XX/XXXX. I called to try to resolve this over the phone and was told it could take up to 30 days. They refused to admit error even though they know my payment is pulled bi-weekly and the check I mailed in ref escrow was the only check I mailed in the last 3 years.
Product: Debt collection

On XX/XX/2020 there was an unverify entry on my credit report. I have previously sent letters by mail to verify the validity bof this information on my credit reports. 
I tried to settle this account even without verification but company refuses to remove unverified account.
Product: Credit reporting

I 'm having a hard time understanding how both Equifax and XXXX are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with Equifax is : XXXX XXXX XXXX XXXX
Product: Mortgage

My Loan Servicer ( Union Home Mortgage Corp ) paid my former and terminated previous homeowners insurance company ( XXXX ) with a payment XXXX requested a year after service has been terminated with them. I had refinanced my mortgage back in XX/XX/2020 and changed homeowners insurance to XXXX XXXX. Therefore my current homeowners insurance carrier ( XXXX XXXX ) was not paid and sent me a " Important Expiration Notice '' effect XXXX. I currently do not have any homeowners insurance coverage or proof of coverage as a result. 

I addressed this immediately upon receipt of my mail on XXXX by phone calls to my current homeowners insurance company, Loan Servicer and provided copies of all documents. 

One week later and the Loan Servicer is requiring me to request a Refund from my former Homeowners Insurance Company. 

As a courtesy I have provided copies, emails and phone calls to my former homeowners insurance carrier ( XXXX ) and current homeowner insurance carrier ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I closed my accounts with XXXX and no longer had access to online billing or being able to see copies of my bills. I also no longer received any goods or services from XXXX. I was told by XXXX before I closed the account that I would receive a final bill approximately 60 days after the fact. XXXX sent numerous emails to me about amounts owed, but no final itemized bill. I discussed the fact that I had not received a bill and gave them a current address multiple times, yet they still refused to send me a copy of it. The amount owed, according to XXXX, continued to increase, in spite my no longer receiving services from them. I disputed them amount owed with them via telephone and was told then were working on it. Then it was sent to XXXX XXXX XXXX which said they sent me a letter of validation but that it was returned because of incorrect address. I again gave them a current address but they did not send another letter. They then placed the item on my credit reports in XX/XX/XXXX, with the incorrect amount that I had been disputing with XXXX since XX/XX/XXXX. I sent in yet another letter of dispute to XXXX, XXXX, and all credit reporting agencies. It is still listed on my credit report as with XXXX, even though the debt has not been legally validated. Further, today I received a letter from XXXX, stating they were hired from XXXX after the dispute and asking me to validate the debt. I am responding with a letter disputing the amount and validation of the debt, citing that i have YET to receive an itemized final bill from XXXX. This is illegally on my credit report, as the debt has not been validated by the original creditor or the collection agencies engaged by them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/year> - {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX SELFREPORTED Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had requested that this account be verified and I have not seen any proof from you thet it was. I need all correspondence between you and creditor regarding the previous dispute including the data provided to you that this account is accurate. 

XXXX : XXXX Equifax XXXX XXXX  XXXX Please remove any information that the creditor can not verify I understand that under 15 U.S.C Sec 168 ( a ) you must complete this reinvestigation within 30 days of receipt of this dispute.
Product: Debt collection

WAKEFIELD AND ASSOCIATES Last reported XX/XX/XXXX {$210.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name. 

The above company is trying to collect on a medical bill that I was never billed for. I submitted the insurance card at time of visit and the intake officer did not submit my insurance for payment of visit. I have had insurance coverage since XXXX. I have contacted the company several times and they have not removed the item.