23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When I signed up for my high deductible and 20 % co-insurance plan, I did calculations based on fair and average delivery costs. However, the hospital billed much higher than Fair Health Consumer and Healthcare Bluebook published average rates. The average cost for the mother and baby is a total charge of {$15000.00}, plus the XXXX XXXX observation room fair price should be {$600.00}, for a total cost of XXXX. The hospital charged a total above {$44000.00}. Secondly, the commercial insurance acceptance for a XXXX XXXX  with XXXX XXXX is very high. The bill was a whopping XXXX, XXXX above the maximum amount other insurances accept. In short, the insurance paid above {$19000.00} already to XXXX XXXX which is XXXX higher than the average rate that hospitals charge for the services I received. This is without the additional XXXX which I owe. 
Another more serious complaint I have is against the hospital is its unfair collection procedure. Less than XXXX hours after XXXX XXXX XXXX, a hospital employee asked me to pay a bill of XXXX based on charges of XXXX just for my stay in the hospital. This was before any EOB or proper insurance processing was conducted. The bill was nothing less than extortion. The actual amount I owed, after insurance processing was significantly lower than this trumped up, false bill presented to me. This is clearly fraudulent and unethical and dishonest practice. It also takes unfair advantage of the vulnerability of a XXXX XXXX XXXX XXXX XXXX In my weakened state, I caved into the pressure and allowed the hospital employee to charge my card for {$1100.00} instead of the $ XXXX they initially demanded in conversation with me. The card was declined due to insufficient account balance. 
XXXX XXXX who managed the Debit card I offered the hospital, has record of XXXX XXXX charging my card XXXX XXXX less than XXXX hours after my baby was born, for the amount of {$1100.00}. Permission to charge my card for this amount was obtained through disreputable business practice, intimidation, and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dispute letter sent XX/XX/XXXX Dispute letters sent XX/XX/XXXX Dispute letters Incorrect information still remains on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted information to have addresses I have never lived in before removed. They were. I recently looked at my credit report and a bunch of them are on there and nothing is reporting with those addresses.
Product: Debt collection

XXXX and Affiliated Management have continued collection activity despite not properly obtaining and mailing debt verification after a I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have also been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act. Furthermore, I have never signed a Hippa release form with the below alleged creditors. Therefore these are inaccurate Hippa violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and you are now aware of these Hippa violations delete immediately. Account Name Account Number Balance Monthly Payment AFFILIATED MANAGEMENT Reported : XXXX XXXX, XXXX {$430.00} Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( 3 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by PURCHASE or ASSIGNMENT, and authorization under subtitle D of the ARRA, SEC, 13401. APPLICATIONOF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Product: Mortgage

On XX/XX/22, I asked the mortgage company, Lakeview MortgageXXXX. XXXX to pay my XXXX XXXX tax in 2 installments rather than 1 in order to avoid their anticipated escrow shortage which would increase my recently decreased mortgage payment roughly {$400.00}. Their unpersonalized canned response was unhelpful. I then called to request this and was told that their system shows it will be paid in 2 installments as requested BUT it was not showing on their website. I was told not to worry. I then realized that when my mortgage account was transferred in XXXX from XXXX to LakeviewXXXX. XXXX, I was told no payment would be due until XX/XX/XXXX. I like to stay ahead of payments so I paid the XXXX mortgage payment in advance. They credited the full amount to principal and failed to credit any of the payment to escrow as they should have. This, paired with the single tax payment ( as opposed to two timed installments ) is what created the anticipated escrow shortage. And that {$2000.00} shortage is resulting in a {$400.00} increase to my monthly payments! My prior mortgage company had DECREASED my monthly payments by {$400.00} after their escrow analysis. LakeviewXXXX. XXXX is refusing to apply my XXXX payments as requested and have shown no evidence that they are paying my taxes in two installments as requested. This is resulting in me paying more interest. It's an unfair business practice. Mortgage companies should be required to warn customers NOT to skip a payment when refinancing or when their mortgage is sold or they should be required to advise them to at least pay the escrow amount. Mortgage companies should also be required to speak in understandable, personalize language when corresponding with customers - unpersonalized, generalized canned statements are NOT helpful. I do strongly believe that this company plays with numbers to draw more money out of unsuspecting customers.
Product: Credit reporting

I am new to XXXX and staying in phoenix. I reached XXXX on XXXX XXXX 2015 and I immediately opened an account with XXXX XXXX XXXX as well as applied for a credit card through them which I got after approximately 30 days. 2 weeks back I had applied for a car loan XXXX and approved my loan immediately but later on I was told there is some problem as the address which I have provided on my application does not match with that that on my credit report. I thought some problem will be there and they will come back to me which they did not. After which I applied for an auto loan with XXXX XXXX XXXX and got an approval from them immediately with APR of around 2.5 % and they also send a credit score of XXXX which for me was very high as I did not have any credit card or loan or any credit history but any ways I before going to dealer I just thought of checking the same with them once more and I got to know that there is a problem as again the address which I had provided does not match with XXXX my credit history. I went to XXXX XXXX XXXX and told them the problem. The banking associate XXXX called the loan department in front of me but they said they cant talk to him and insisted on talking to me and again they told me the same problem. They told me it is address of a place know as Surprise which near to phoenix. I never stayed in Surprise. I just did a random search on XXXX and found there is a person with the same name as mine staying there and I am sure his credit information is appearing on my credit history inspite of the fact that my SSN is being used for pulling out credit history. The dealer which I had visited also told me that it looks like there is a same person as you are in Surprise location. I am not attaching any documents as I am not able to pull my credit report as they say my SSN does not match with the address I have provided whereas XXXX XXXX XXXX, XXXX and my dealer could pull the credit history and could see there is a big mismatch.
Product: Debt collection

I terminated my Cable Service with XXXX XXXX in XX/XX/XXXX XXXX later contacted me to say that equipment related to the Cable service had not been returned. I provided the receipts for the returned equipment and heard nothing further from XXXX. This was documented by XXXX in XXXX  Case Number XXXX  and XXXX  Case Number XXXX.

On XX/XX/XXXX I was contacted by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX Reference Number : XXXX requesting payment of {$340.00} for XXXX Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I have heard nothing else from XXXX XXXX.

On XX/XX/XXXXI was contacted by AFNI 1XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AFNI Reference Number : XXXX requesting payment of {$340.00} for XXXX  Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I received another letter from AFNI on XX/XX/XXXX continuing to demand payment of {$340.00} It appears that XXXX  has sold this claim to debt collectors who seems to now be selling it to each other.

What steps do I need to take to end this harrasment?

I have all of the letter communication materials described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX - CARD SERVICE  XXXX and XXXX  - CARD SERVICE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX CARDs customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Consumer Loan

I SENT PAYOFF PAYMENT TO COMPANY. COMPANY HAS NOT RESPONDED TO MY NOTICES.
Product: Debt collection

Acting by authority of Title 15 USC 1635 ( a ), and 12 C.F.R. 226.23. On XX/XX/2021 I sent Rushmore Loan Management Services LLC ( Rushmore ) via certified return receipt mail ( XXXX XXXX XXXX XXXX XXXX ) my RIGHT OF RESCISSION Notice, and AUDIT TRAIL Request/Demand pursuant to 12 USC 5561 ( 4 ), and 15 USC 1692 ( g ) validation of alleged debt ( see attachments ). 

Their response, ... ( Rushmore refutes all assertions of any invasion of your privacy, or abusive, or unfair debt collection practices. Other information you have requested does not relate to the servicing of your loan or identify any specific servicing errors, is considered proprietary or confidential, isoverbroad, unduly burdensome, and/or not required to provide. ) does not satisfy the obligations associated with congressional law 12 USC 5561 ( 4 ) is non-compliant and violates my consumer protection right to rescind ; investigate, validate, understand and know that mandatory material disclosures were in fact delivered in this consumer credit transaction pursuant to 12 C.F.R. 226.23 ( b ) ( 1 ) ( I ) - ( v ). At present no such evidence exist.
Product: Credit reporting or other personal consumer reports

I have made multiple request to have XXXX, XXXX XXXX, XXXX and the XXXX accounts from XXXX removed from my credit report as it is reporting a charge off that is damaging my credibility. 15 USC 1681e ( b ) clearly states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. Well according to the IRS, canceled debt ( chargeoff ) is gross/ordinary income. Income DOES NOT get reported on a consumers report!
Product: Prepaid card

I received a RUSHCARD in the mail this week. I did not apply for the card. I 've tried contacting the folks at Rushcard XXXX and they insist they ca n't close the account unless I provide my date of birth, social security number and Email address. I refuse to give them this information. I will only release my full name and the card number. How do I get them to close my account without providing privacy act information?
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has Not Provided Validation information under 12CFR-1006-34 ( b ) ( 5 ) But yet they placed a Collection on my Consumer Report. 
I Have Not been given the chance to dispute this account according to 12 CFR 1006-34 ( c ) ( 4 ) ( l ) XXXX XXXX is Violating My Comsumer Rights by Using False Misleading, Misrepresentation and Decaptive means XXXX XXXX has No Authority to furnish an account to consumer Reporting agencies without providing any and all disclosure by law and they are in Clear Violations of 12CFR 1006-34 ( d ) and 15USC 1681-5 2 ( 7 ) ( a )
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I have been submitting claims, complaints and cases through the Coinbase website and have only gotten automated responses, and then no responses at all. I originally purchased {$1500.00} worth of XXXX currency in XXXX on the Coinbase platform. I purchased XXXX, XXXX and XXXX. In XX/XX/XXXX, I noticed all of my funds were taken from my account. There are no transactions showing the money being withdrawn from my account, nor did I sell any of those positions or take money from any of the investments. I am not getting any response when submitting claims. Please help, I am seeking whatever legal recourses needed at this point. I have multiple case numbers and a complaint number. Here is the case number I tried re opening XXXX and complaint number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX.I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Credit reporting or other personal consumer reports

I already wrote 2 letters to Equifax to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax is refusing to do my investigation. Please see the attached old and follow up letters.
Product: Payday loan, title loan, or personal loan

U. S.Bank denied me a signature loan for {$10000.00} dollars, they sented me a letter where in the letter it didn't tell me why exactly I was turned down only the credit bureau they used ( XXXX ) .Went to U.S.Bank XXXX Branch ( XXXX , Mo . XXXX ) and spoke with XXXX about my signature loan being denied ( {$10000.00} ) He said XXXX   turned me down so get your credit report and come in the branch when you get the credit report and we ( me and XXXX-U.S. Bank employee. ) will go over it .But I said " Didn't your underwriters turn me down for credit whats the reason, then he says " I'm not going to talk about your credit with you.So I still do not know why U.S. Bank denied my signature loan. 
Thanks XXXX XXXX
Product: Debt collection

After repeated calls from Premium Asset Services and disrespectful remarks I settled the debt for {$800.00} upon doing so it still was not marked paid on my credit report. During this time my newborn was battling surgeries to stay alive which I told them and they were completely heartless of my situation.
Product: Debt collection

Calls frequently throughout the day from different numbers every time. Never misses a day without calling me, even on the weekends. I have told them to stop contacting me and they dont listen. They arent even a company that I owe any debts to. I dont know what they want from me but it seems like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX , XXXX, AL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
Product: Payday loan, title loan, or personal loan

From me to upgrade - XX/XX/XXXX I received a notice today on my XXXX report of a missed or late payment on my account. 
1. I was on automatic payments, how can that be possible?

2. The payment in question is either the XXXX cent charge which I paid manually but it was set for automatic payments. 
I have spoken to multiple reps saying this would be taken care of as it was an upgrade mistake. 
XXXX. Or the XXXX cent due now that I can't even try to pay because it won't let me it says no payment due. Though still set up for automatic payments. 
Kindly correct my credit score. I made a lump sum payment and expected the rest to be paid automatically. Obviously this did not happen. I do not want to open a major dispute but this needs to be corrected. 

From upgrade to me -XX/XX/2021 Thank you for contacting Upgrade regarding your credit reporting dispute. 
We carefully reviewed the details of your claim and found that your account was reported past due incorrectly. We have taken the necessary steps to correct our internal records. 
On XX/XX/2021, we submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take 30 to 60 days for the correction to be reflected on your credit report. 
Thank you again for providing us this opportunity to correct your credit report. 
Please do not hesitate to contact us if we can be of any further assistance. 

Fro me to upgrade - XX/XX/XXXX I just received another credit update that says I have not had 100 % on time payments. 
Why is that? 
The loan is paid off. I wan never late and you even agreed and took care of it. 
This is really bad business and I would like it fixed and all ties cut. 
I should NOT have to go through this not to mention AGAIN!! 
Please correct this again, as soon as possible.
Product: Mortgage

Mr. Cooper assigned a loan specialist for me during my forbearance period. The phone lines don't allow you to enter an extension ( the letter assigning her had an extension ), faxes I sent and messages left for her all went unanswered. In XXXX, I was told if I made some payments during the forbearance period the " investor '' would reconsider my modification application. Three times it was confirmed that I had an application for modification to add the balance owed from the forbearance pending. Finally, today the lady I spoke with said " you were never eligible for a modification once they denied you in XXXX '' and the reason your application shows pending and then does not show up at all is that it is automatically declined without further notification. I was never sent a letter despite the application showing as pending and advising I would hear back within 30 days. I made up 6 months of payments during the past 4 months and paid monthly payments in reliance upon this. With Mr. Coooper, if you press 1 for COVID assistance you are automatically disconnected. I tried on 20 occasions. I spoke to someone at Mr. Coooper who acknowledged it and said, " you figured out to press 2 ''! This company has no intention of assisting people after their forbearance period. I have documented all calls and experiences.