23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IC System is trying to collect a debt that XXXX XXXX XXXX has placed with them. XXXX XXXX iis commiting fraud as he misled my wife to bring my XXXX  XXXX XXXX for a visit on XX/XX/XXXX. He confirmed he accepted XXXX XXXX and the visit would be covered. He fraudently diagnosed the visit for a XXXX XXXX  although my daughter had an XXXX and XXXX XXXX We have XXXX XXXX XXXX ( so why would i got to XXXX XXXX XXXX who is an XXXX  for a XXXX XXXX XXXX XXXX 

XXXX XXXX confirmed the below two cases, when i asked fo review of the claim XX/XX/XXXX XXXX XXXX ( reference number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$170.00} ) and billed for XXXX ( {$60.00} ) - Total {$230.00} ) Submitted Appeal - Explaining the context of visit and that i have XXXX XXXX and while Vision is not a covered service, I went to doctor for an XXXX  XXXX Doctor has to billed XX/XX/XXXX Appeal was approved. Same outcome with claim getting processed as XXXX XXXX. XXXX ( Supervisor - XXXX ( EXXXX XXXX XXXX Ref # XXXX She will review with appeals team and revert on what is the best action forward I have also submitted a complaints to Board of Medical Examiners, a subsidiary of the New Jersey Division of Consumer Affairs. 
Division of Consumer Affairs State Board of Medical Examiners XXXX XXXX XXXX XXXX, XXXX  XXXX I let IC System agent know that XXXX XXXX has reviewed the claim and determined inconsisent claim information provided XXXX XXXX XXXX XXXX. In addition, i have filed a complaint with NJ Division of Consumer Affairs and as per Fair Debt Collection Practices Act ( FDCPA ), i should not be harassed for the fraud that XXXX XXXX XXXX is committing...
Product: Debt collection

I stayed at XXXX XXXX for an internship program in Florida. I left the apartment complex three years ago, around XXXX after being there for 6 months. I had roommates and they were the ones left there after I have vacated halfway early than our lease term of 12 months. That being said, I did not get any of my deposit back. A year after, they sent me a debt collection notice, an amount of which I do not remember anymore. I moved then from XXXX to XXXX XXXX and I was appalled as to how they have managed to involve me in this matter. Although I left earlier than everyone, I decided to get it over it. And I gave them a portion of the amount through Post Office 's Money Order and sent them a letter stating the rest to be filled by my former roommates, if there is any more problems to come, talk to them since I am not the only one in the lease agreement. I have not heard anything else after then. But recently, Debt Collectors under the name of Transworld Systems Inc. kept sending me attempts to collect payments from me for them once again, when I do not have any liabilities on this apartment. And the amount stated is {$730.00} I am not comfortable with this situation and I feel harassed and cash cowed already. They have sent me a couple of letters already and I do not feel safe since they managed to track me on my new apartment, on a new city and state over an issue that happened 3 years ago and does not involve me anymore.
Product: Bank account or service

I was receiving unemployment benefits via US Bank XXXX. On XXXX XXXX, I noticed a fraudulent charge of {$280.00} from a place I 'd never used. I reported it that day and was told that I would receive a form to fill out. 10 days later, I called because I had n't received the form. They sent another, which I received and sent back to them right away. On XXXX XXXX, I called to check the status of my funds being returned and XXXX at XXXX said they had n't received my form. I asked her how can I mail it so that I have a receipt next time and she said I could not. I spoke to her supervisor, XXXX XXXX, who told me the same thing. So, in effect, they can keep telling me that they never received my form and keep my money. Obviously I need my money as I am unemployed. I 'd like some help getting my funds reinstated.
Product: Credit card or prepaid card

A charge of {$300.00} was made for XXXX XXXX XXXX bill pay on my credit card. I do not have XXXX XXXX XXXX I called Bank of America XX/XX/XXXX and a women reversed the charge. and I got a letter. XX/XX/XXXX ( Attached ) One XX/XX/XXXX I get another letter saying now they put it back on for the reasons in the letter XX/XX/XXXX I call them again, speaking to a young women who tells me they have until XX/XX/XXXX to respond, I got no answer. I called again spoke with XXXX and a Supervisor. They also claimed to not have gotten the first letter. I also called XXXX XXXX XXXX to see if I could get a letter saying I don't have an account which because I don't they won't give me one. They tell me they will resolve it before XX/XX/XXXX. XX/XX/XXXX I send another letter ( attached ). XX/XX/XXXX I get the letter saying that While I personally didn't make the charge ( s ) we confirmed it was made by an authorized user on the account or someone who has permission to use the card. I called again, this time they reopen again, I asked who is this person so I can go to the police, I am told they don't know, I say give me the account number you paid to the XXXX XXXX XXXX bill pay. They say the can't. All letters are attached. I am a one person home and no one has my credit card information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Credit Services Credit XXXX XXXX XXXX : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear Experian, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations.

Per 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against Experian filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues. Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$1000.00} per violation found on my consumer report Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX {$310.00} i have been asking this company to validate this debt and send me a copy of the contract and not once did i receive this nor did i hear back from this company XXXX- {$580.00} is on my credit that has been closed and is still reporting as if it is still open when in fact on my credit it states that this account was charged off and is closed. 

XXXX XXXX XXXX XXXX i contacted this company stating this was a fraud account and my Social was compromised and the company did not in fact have any identity of me as a copy of my D.L or anything and when i asked them for validation they would not worl with me and said it was mine when i had told them it was a fraud account
Product: Mortgage

An erroneous amount was drafted from my bank account which amounted to an excessive overpayment XX/XX/XXXX. The loan servicing company refused to 1 ) refund me the difference, 2 ) apply the overage to the appropriate account in a timely fashion ( waited three to four months to finally do this all the while reporting negative information to credit bureaus ), 3 ) remove the late fees applied to my mortgage account, 4 ) reimburse me the subsequent NSF fees I incurred, and 5 ) correct the negative reporting to credit bureaus ( XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX ). Even though I contacted them timely and continued to follow-up up with the loan servicing company multiple times every month regarding this matter, I always received a different story or a request to resubmit the documentation I already submitted. It was not until I filed a complaint with CFPB XXXX that all but # 5 from the list above was corrected to which I continued my dispute of their response. My credit rating should not be damaged due to SPS ' error and refusal to address the matter in a timely and equitable fashion. The loan servicing company made a mistake and now they just need to be accountable for their error in its entirety. Reporting negative information implies that I was not handling my financial responsibilities and I definitely was at that time and continue to. 

Loan Servicing Company - Select Portfolio Servicing ( XXXX ) XXXX or ( XXXX ) XXXX
Product: Vehicle loan or lease

I went to XXXX XXXXXXXX, to get a car. They told me I was approved through Santander for an auto loan. They did not ask me for proof of income. I believe the car company altered my application possibly for loan approval. I was not making more than {$900.00} or so a month and they told me they would give me a car. At the time and until recently I was not made aware Santander used an internal score. Santander never told me I actually find out a few days ago. Other institutes werent able to view my information for a car loan. I was given a loan by Santander knowing I would not be able to afford it. They knew I did not make enough to afford the payment. I have tried month after month since XX/XX/2015 to pay this car off. I called hundreds maybe thousands of times telling them I dont understand why not much of my payments go towards interest. I have paid over {$18000.00} dollars to this company on a vehicle I financed for {$14000.00}. I have been lied to so many times by Santander and threatened with repossession that this situation has caused me XXXX. I want to be treated like a human and have this loan forgiven immediately. There were times I made a payment of over {$300.00} dollars and {$20.00} dollars went to the actual vehicle. I have filed complaints and no one will help me. I have had financial issues throughout but I always make a payment and do catch up payments. Customer service tells me one thing then another then another and nothing goes together. The executive team wont let me speak to someone over the person that does speak to me. I was given an unfair loan by Santander and I would like for them to make it right.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXXXXXX BALANCED {$480.00}
Product: Mortgage

I had an issue last year where hail damaged occurred. I filed a claim with my insurance, and they issued me my first check. They made the check out to myself and SWBC. 
I sent this into SWBC for endorsements, and was asked to file numerous paperwork. I did that, and they issued me a check for the half of the insurance payment, made out to my roofing company, and myself. However, due to the length that it took them to process the check, I had to switch roofing companies, in order for the repair to be completed in time. 
I reached out to SWBC and told them I needed to have the check re-issued to myself, and I would pay for the roof repair out of pocket. I had to send in more paperwork in order for that to be done. I did, and they told me they would issue the check just to me. I continued with the repair ( paying for it all out of my pocket, since their process was taking forever ), and their inspector came out to approve. 
They sent me the XXXX half of the XXXX insurance payment, and endorsed the check for the XXXX insurance payment. However, I never received the re-issued check for the first insurance payment. 
I called them, and they told me my account was closed, and the check had been sent months prior. When I told them I never received it, they asked me to send in the check ( issued to myself and roofing company # XXXX ), and they would send me another check. They did n't however, only endorsed the check ( which made no sense ) and sent it back. I have sent the check back again, and they are now telling me I need more paperwork in order to get my money back ( which I do n't understand when the account was supposedly closed out ). I have asked to speak to a supervisor with none available. I still am out the {$3600.00} that I have already paid to my roofing company, and it has been 2 months. I keep getting the run around from SWBC on what it 's going to take to get this money paid to me.
Product: Debt collection

I requested that you stop contacting me in all possible ways and portfolio recovery kept contacting me, then afterwards i put in a complaint and they sent back that i need to authorize the complaint after i sent full account numbers and the name of who i am. I am authorizing this complaint and i want to follow through and they will he receiving paperwork from attorney soon.
Product: Money transfer, virtual currency, or money service

Coinbase withdrew over {$3900.00} worth of ETH ( a cryptocurrency ) from my account in XX/XX/XXXX. They claimed that I made the purchase from funds they never received from my bank.This is not true. I had cancelled the transaction from the bank. The funds were never deposited and I did not make the purchase. 

One month later they removed the funds from my account and disabled me from using the platform. For 3 months I have been mailing and calling. At first I was getting replies from a lady called 'XXXX ' after a while she stopped replying and I just got automated replies. Now even those have stopped. When I call in they refuse to help saying I have to do it through emails. I am completely frustrated. 

This is a lot of money for me, more then a paycheck. It has caused me tremendous stress and affecting my health as well now.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistent presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies and have since made several diligent attempts to have them corrected through your organization. Regrettably, my efforts have not yielded any meaningful resolution. 

I initially submitted a dispute request to have these fraudulent items removed on [ Date ], providing all the necessary documentation and evidence to support their inaccuracy. To my disappointment, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to remove the following inaccurate items : 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX Account # XXXX and XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is at it again. 

Per the law covering credit freezes, Experian requires consumers to establish a free account for freezing and unfreezing your credit report. I have had this required free account for 3+ years for the sole purpose of freezing and unfreezing my Experian credit report. 

Today I logged in to check the status of my experian credit report ( frozen or unfrozen ). I couldn't find any obvious link, radio button or any other identifiable directions on their website to access my freeze status. 

" Freeze status '' or " freeze request '' is nowhere to be found on the homepage after you log in. 

The only link for anything related to freeze status on their website is the " protection '' header. When you click this header a new page loads, but still no readily identifiable link or info related to a " freeze ''. However the page cleverly shows a graphic/status of your credit file as " unlocked '', with an arrow indicating more info is available. 

When you click the " Unlocked '' icon a side panel pops out advertising their " CreditLock '' feature with a prominent " Get CreditLock '' button. This is of course their paid subscription service. 

FINALLY- IF YOU HAPPEN TO NOTICE THAT THE SIDE PANEL LOADS WITH ITS OWN SLIDER BAR FOR SCROLLING DOWN THE PAGE - AND YOU MUST SCROLL DOWN- YOU SEE A STILL DISGUISED HYPERLINK TO CHECK THE SECURITY FREEZE STATUS OF YOUR ACCOUNT. 

It's unbelievable and disappointing that in 2023 we have a credit bureau misdirecting consumers and literally hiding the security freeze option they are mandated to provide by law. CFPB do your job overseeing this rogue credit bureau!
Product: Checking or savings account

Bank of America charged multiple times for overdraft fees and would not resolve this. Example -- XXXX $ twice. XX/XX/2022 XX/XX/XXXX, {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mailing and faxing information to the credit bureaus to no avail. There are collection accounts that are appearing on my bill that are not my accounts. There were also false addresses in addition to false inquiries on my credit report. I spoke with representatives from all three bureaus. I followed all of the instructions that were given to me by all 3 bureaus. Which included filing a police report, contacting the creditors, and faxing all of the information to XXXX and Equifax and mailing to XXXX. I did exactly what was told and still the collection accounts, false addresses, and inquiries remain on my accounts. At this point Im extremely upset and do not know exactly what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} balance