23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was seen in the Emergency Room at XXXX in XXXX Ohio ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) on XX/XX/XXXX due to testing positive for XXXX and having severe XXXX XXXX XXXX. When I was triaged I was specifically asked if I was there for XXXX and I told them yes. I was not informed or aware of the XXXX for the Uninsured program. Accordingly, I applied for financial assistance and XXXX never contacted me regarding my application for financial assistance. After a time, I assumed it was taken care of. 
I received a collection letter from XXXX XXXX for {$890.00}. The physician I saw while in the Emergency Department was XXXX XXXX MD who is part of XXXX XXXX XXXX XXXX which is the company that sent my account to collections. 
I received a collection letter from XXXX XXXX XXXX for {$240.00} which now has my account from XXXX XXXX XXXX XXXX. 
I received another collection letter from RMP Services LLC for {$2700.00} which now has my account from XXXX. 
After receiving these bills and doing research I found out that XXXX in XXXX, Ohio participates in the XXXX for the Uninsured program. On XX/XX/XXXX I left a voicemail with XXXX, who is in the billing department at XXXX. She returned my call on XX/XX/XXXX and stated that she looked through my records and it clearly indicated that I was there due to XXXX. XXXX stated that she would send the records back to the providers to get the correct billing code and advised me to call all collection agencies and tell them to put my account on hold until this is resolved. I have left voicemails for each collection agency above asking for my account to be put on hold and I am currently waiting on a call back. This has taken so much of my time and effort and if it were not for my tenacity I would be in an unsurmountable amount of debt, which no American should be subjected to due to XXXX 's incompetence. 

I was not educated at all on what resources I had available to me other than financial assistance. According to XXXX XXXX has only been paid {$170.00} for treatment of XXXX through the XXXX for the Uninsured program compared to their counterparts who have received over {$200000.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Credit bureau : XXXX XXXX XXXX XXXX Account Type Collection Balance {$14000.00} Date Opened XX/XX/2023 Credit Bureau : Equifax XXXX XXXX XXXX XXXX XXXX Collection Account {$14000.00} XX/XX/2023 Credit Bureau : XXXX XXXX XXXX account type : open account Balance : {$14000.00} Date opened : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX BANK NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't know which way to turn but for years on my credit report there is a Texas address that I have never lived. 

I would like to know how to get that off my credit report
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have asked this third party collection agency XXXX XXXX XXXXXXXX XXXX  to provide an original contract with my signature and they have failed to provide this information. Also, the open date and status of these accounts are incorrect. These accounts 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  are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 
They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had my mortgage set up for automatic payments. These were bi-monthly payments of {$600.00}. Without my consent/request, XXXX XXXX  XXXX company charged me for the month of XX/XX/XXXX my bi-monthly payments ( {$600.00} x 2 ) plus an additional complete house payment ( {$1200.00} ). They essentially took 2 whole house payments for he month XX/XX/XXXX. They did the exact same thing for the month of XX/XX/XXXX. I did not set this up or request it. The only way that I new this was happening was when I looked at my bank account it was almost empty. I need the 2 extra payments they took from returned to my bank account immediately. I have been talking to XXXX for the last 3 weeks. No one at XXXX is doing anything to help me with this issue. It is causing me severe financial hardship. I was told 3 weeks ago that I would receive a check. I have called XXXX several times to find the status of this check. No one at XXXX can find the status of this supposed check. When I call XXXX, someone looks at my account history for the months of XX/XX/XXXX and XX/XX/XXXX and they say " wow, this is really a mess. How did this happen. We will definitely have to figure this out. '' Although no one at XXXX has done anything about it yet. Every time I call no one seems to be able to help me.
Product: Payday loan, title loan, personal loan, or advance loan

I used Moneylion in an emergency to pay rent in XX/XX/XXXX. I took out {$200.00} ... on XX/XX/XXXX I received a call from Moneylion at XXXX ET asking if I was the money making a bunch of crazy changes to my account and if I took {$390.00} out in a matter of XXXX minutes ... I didn't and didn't even know that was possible as I was only allowed {$300.00} per pay period and only at {$100.00} per day. There was no way anyone should have been able to do that ... they knew it was fraud, I was freaking out because it was. My identity and bank information was taken and I had to change everything connected to plaid. Well turns out a year and a half later - I'm being harassed to pay this back... something that was so clearly fraud, and I never received as it never went to my bank and they know this. They know the IP was different, and it was new bank I did not approve ... .they admitted to all of this during the original call. But now I'm suppose to pay {$700.00}? No. I've filed an FTC complaint. I've filed a XXXX I know that there is an ongoing FTC investigation against Money lion due to similar situations and other predatory lending practices. I need this escalated and I need them to clear this fraudulent debt, and close my account and scrub all my information from their database. This was clearly fraud, this was clearly something on their end and it has ruined my life already. I am not paying what I do not owe them. I will fight them. I've spoken to attorneys- they've sent them letter they returned. This is predatory and scammy. Something need to be done and someone needs to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I mailed a letter to the company above because I never received a dunning notice and I have no idea what this debt is or how it originated. 

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

Account name : XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

My identity was stolen in XX/XX/year> so alot of loans and credit cards and bank accounts and phone companies are now billing me and killing my credit. I want to repair identity theft and fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in XXXX and And XXXX XXXX with XXXX XXXX. I reported these cards as theft and they closed the XXXX XXXX and took the balance away, and then they brought it back. My XXXX  card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.
Product: Debt collection

I have been receiving several calls and mail from " I.C. System, Inc. '' with regard to an 'equipment balance due ', naming the creditor as XXXX . However, I never had such a charge from XXXX. I moved from XXXX to XXXX but returned my equipment on time and in person and am still a customer of XXXX ( with perfect payment history at that ). How do I stop these calls and ensure my credit file is unaffected? 

The listed account number is XXXX and I.C. System Reference No : XXXX Balance due : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to do a proper investigation once again with the XXXX account after I submitted a complaint. The account should not be reporting on my credit bureau. I did not authorize them to report it. They updated this account again incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I had a billing dispute with XXXX XXXX. As a result, XXXX XXXX stated I owed XXXX dollars. I disagreed and grieved the bill through XXXX XXXX. I never heard back from XXXX XXXX. Yesterday, XXXX/XXXX/XXXX I applied for a 30 year fixed mortgage. I wa advised that my credit that was over XXXX points last year was now XXXX. This adversely increased what my mortgage rate would have been if XXXX XXXX or the collection company had allowed me the opportunity to grieve or respolve the dispute. As a Result, I was forced to pay a bill in hopes the adverse bill could be reversed. This is extortion. I requested notification and records of the notifications of this outstanding bill that neither XXXX XXXX nor the collection company would nor could produce. I repeat, I was never notified that my credit was going to be adversely affected by XXXX XXXX nor the collection agency. After I paid a bill I was never notified about, the collection agency stated I would have to call XXXX XXXX to have this blemish removed from my credit, when I called XXXX XXXX, they stated I needed to call the collection agency. Someone needs to be accountable for this bully tactic. I am available for further comment or information if necessary.
Product: Mortgage

My XX/XX/2023 payment was 1 day late, so I went online to pay itXXXX, as I completed the payment process, somehow I only paid the late fee. On XXXX 2023, I received a forbearance letter. I called the mortgage company, on XXXX, and they said I only paid the late fee. And I asked how is that possible, that the online payment system will allow only the late fee be accepted as payment, and not the actual mortgage payment? I then made the XXXX and XX/XX/2023 payments over the phone. The gentleman I talked to helped me fill out a " credit reporting review request '', Which I sent in via fax, XXXX. 
On XXXX, I received another letter stating they are unable to conduct an investigation because the specific item disputed was not provided. I called the mortgage company again, explained what has been going on, and now my credit score went down XXXX XXXX, and my wives went down XXXX XXXX. She then said she will put in a request, asking for what specific verification is needed, clarify what is not provided. Her response was that everything in my file looks correct, and this issue should be excused. She then said that I should resubmit a " credit report review request '' via email. She said that this makes no sense, as she is making notes in my file about her findings. On XXXX I received a letter from mortgage company saying they received our inquiry, but after reviewing their records, they determined that a credit correction is not necessary at this time due to the XXXX payment was late.
Product: Debt collection

To whom it may concerm, my accounts was late due to the fact of my husband died back in XX/XX/XXXX so I fell behind on all my bills, try to keep up and then I lost my job so thing get every harder. XXXX XXXX   amount XXXX, open inXX/XX/XXXX, 0pen XX/XX/XXXX.also XXXX XXXX in the amount of XXXX, XXXX XXXX XXXX  account , for XXXX, XXXX XXXX open on XX/XX/XXXX,XXXX, would like to have this remove do not owe, and XXXXXXXX XXXX XXXX do not now what they are a lot of open small amounts, XXXX XXXX open in XX/XX/XXXX, amount of XXXX not sure if the is correct.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I payed off my loan through lending point for XXXX XXXX The money cleared on XX/XX/XXXX. Account closed XX/XX/XXXX. Today XX/XX/XXXX XXXX XXXX took out an unauthorized payment for another XXXX XXXX After speaking with them they stated they dont know why this happened and XXXX have to wait at least a week XXXX to get money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAID IN FULL 20 SEPARATE STUDENTS LOANS TOTALLING {$85000.00} ON XX/XX/2023, DISPUTED ON ALL THREE CREDIT PLATFORMS XXXX, XXXX AND TRANSUNION ON XX/XX/2023, CREDIT SCORE HAS REMAINED THE SAME 479 TO 484 AFTER PAYING OFF {$85000.00} OF {$96000.00} TOTAL ON ALL THREE CREDIT REPORTS. PLEASE INCREASE MY CREDIT SCORE TO SHOW {$85000.00} DEBT PAID IN FULL.
Product: Debt collection

To whom it may concern, Citi Bank / Best Buy credit card opened without consent. 
I am being charged {$39.00} per month in late fees for a card I did not consent to open.Went to Best Buy to purchase a XXXX  reader for my phone. The associate recommendedI purchase a usb to save information from my phone because the XXXX  was not working. Left my phonewith the associate for about 3 hours to download information to the usb. While waiting I picked up pretzels and batteries. I needed to leave after 3 hours. They mentioned that they were charging me {$190.00} and had me sign papers. I asked how I would pay since I did not want a credit card. I mentioned to them that I do not see well and could not see what they were having me sign. I mentioned to them that I did not want a credit card several times. I asked them if I could pay {$100.00} and pay the rest over time. They mentioned that I did not have to pay. I was under the impression that I was payingfor the items in increments over 18 months. When I got home the XXXX  did not work and the usb was blank. 

Compaint against : Best Buy : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois. The credit card comes from Citi Bank/ Best Buy Thanks in advance for your help with this matter.
Product: Debt collection

I had to go to XXXX for work and called XXXX XXXX XXXX to cancel my XXXX service on XXXX/XXXX/XXXX. On the call I checked with the representative if I owed any pending payments, and got a confirmation that I do n't have any pending payments as of XXXX/XXXX/XXXX. 

Though I was in XXXX, I continued to monitor my Credit Score and credit history and I noticed a sudden drop in my credit score in XXXX XXXX. I pulled my credit report and noticed a collection item for {$36.00} in my report which was a collection attempt made by XXXX XXXX XXXX. 

I contacted XXXX Immediately and they confirmed that it was their attempt. A bill was generated on XXXX/XXXX/XXXX for {$36.00} which went to collection. I paid the {$36.00} on the very day I had called them ( XXXX XXXX XXXX ). 

I explained to them and later argued that it was no fault of mine since, on XXXX/XXXX/XXXX I was informed that I did not have any pending payment and I did not find the need to check my online account after that ( I usually opt for paperless bill, but not sure in this case ). 

I have been their customer for over 5 years and have made an average transaction of over {$1000.00} per year. I am a very responsible customer for not only XXXX XXXX XXXX, but also with any other service provider and deal with everyone with absolute Integrity. {$36.00} is a very insignificant amount for me. I did not miss the payment deliberately. 

I returned to USA on XXXX/XXXX/XXXX and have plans to buy auto and home loans, but due to the hit with my credit score, I am being classified as a sub-prime borrower and getting offers with a very high interest rate. 

Also, XXXX XXXX XXXX are not owning responsibility for their mistake to this day. They made me go in circles to contact the collections agency ( Southwest Credit System ) who directed me to the Credit Bureau ( XXXX ), who in turn directed me back to the collection agency and finally back again to XXXX XXXX XXXX with no improvement to my situation. 

At last, they agreed opened a case with the assurance that nothing good with happen with the case. I mean how can anyone act in such an apathy. 

Turns out that this is not an isolated case and many of my friends who were in similar situation felt victim to this modus operandi of XXXX XXXX XXXX.
Product: Debt collection

So I moved my cell phone carrier from XXXX to XXXX in late XXXX of 2018. I called XXXX account representative asking to settle my final bill and any additional costs regarding my phone and contract, according to them at the XXXX XXXX at their corporate office, I owed nothing on my phone, ( paid off ). I made several last payments to them during XXXX.-XXXX. 2018 with a total of approximately {$160.00}. Approximately 2 months later after I had been told that my payments were all done I received a letter from a credit agency telling me I owe XXXX {$190.00} in a final bill. The lady at the credit agency told me today that this bill is for additional costs after I traded in my old phone and switched carriers. This credit agency has also been threatening my credit score. I am a single parent who is looking for a job. I can not and shouldnt have to pay an amount that I have an email verification from XXXX telling me I was free and clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF ED/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: Debt collection

I received a lawsuit summons from a company I do not recognize and have not received any direct notification, statement, or notice of intent to sue from them prior. There is a credit card account originally held with XXXX XXXXXXXX XXXX. According to the summons, the debt was purchased in a bulk sale from XXXX XXXXXXXX XXXX by Bureaus Investment Group in XXXX Colorado. According to the summons paperwork, the balance showing at the time of charge off on XX/XX/XXXX was {$1000.00}. I only recently found out about this creditor when I noticed it showed up on my credit report and I was trying to figure out who it was so I disputed it with the credit bureaus. Today I was served with the court summons as a response from the creditor in question. According to the summons paperwork from the Plaintiff and the circuit court of XXXX XXXX, it says I have 30 days from the date of service of the summons to respond. The paperwork is Dated XX/XX/XXXX and today is XX/XX/XXXX. I did not receive the paperwork until 30 days after therefore not giving me ample time to achieve counsel and respond.