23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Urgent Resolution Required : Discrepancies in Billing and Charges Dear OPTUM I hope this message finds you well. I am writing to address several unresolved issues regarding my recent billing from Optum XXXX XXXX 
On XX/XX/2024, I visited my primary medical provider and paid the {$25.00} deductible using my XXXX credit card. The transaction was processed on XX/XX/2024, with reference number XXXX. Despite this payment, I have continued to receive bills for the same visit. 
I have been in contact with XXXX XXXX XXXX XXXX, to whom I have sent multiple emails with attachments clarifying this payment. However, as of XX/XX/2024, I have not received a detailed explanation regarding these charges. 
My primary concerns are as follows : 1. Unjustified Charges : There is an additional charge for " Brief Emotional/Behavior '' amounting to {$7.00} that I did not receive nor was it discussed during my visit. I was informed by XXXX XXXX 's office staff that this charge should not be included in my bill. 
2. Non-Acceptance of Credit Card Payment Proof : Despite providing proof of payment via my credit card statement, which clearly shows the {$25.00} payment covering my deductible, the company has not acknowledged this evidence. 
3. Threatening Communications : I am receiving intimidating notices labeled as " FINAL NOTICE STATEMENT '' without any detailed explanation or justification of these charges. 
I respectfully request the following actions : A thorough review and correction of my bill, removing any unjustified charges. 
Acknowledgment of my credit card payment and adjustment of my account accordingly. 
An end to the threatening communications and a proper resolution to these billing discrepancies. 
Attached, please find copies of the relevant bills, correspondence, and proof of payment for your review. I am under considerable stress due to these issues and would appreciate your prompt attention to resolve this matter. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Product: Debt collection

I have attempted multiple times to remove this debt that does not belong to me from diversified consultants. The company mail information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.
Product: Debt collection

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Product: Mortgage

I filed complaint XXXX with your company in XXXX because our payment was due on XX/XX/XXXX but we were told that no payment was due until XXXX XXXX. Today we get a call from Independence home loans stating we owe them for XXXX payment. No one ever contacted us and told us a payment was due or we would have made that payment XXXX XX/XX/XXXX this is a shady company if this is how they get ahead by XXXX the working class then keep up the good work why not go to XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { XX/XX/XXXX } RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumers. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) .ACCOUNTS RENT RECOVERY SOLUTIONS ( XX/XX/XXXX ) under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). Sincerely, { XXXX XXXX }
Product: Debt collection

rude customer service. XXXX from reliant capital solutions keep calling me asking me personal questions about my 401k and bank account. I explained to her I do not have any money and she continue to be rude to me. I ask to be transferred to a manager and she refused to transfer me. It got to a point I had to hang up and call again to get someone else who transferred me to the manager. manager was n't even helpful. I asked if they can stop calling me all day and they said no ... ... ... horrible company. my school should be ashamed for hiring this company to collect money from students.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX onXX/XX/XXXX saying that they would remove all four accounts from my credit. It is nowXX/XX/XXXX and they are still on there. i have enclosed the letter they sent me.
Product: Credit card

On XXXX I received a preapproved credit card offer from XXXX XXXX. I specifically looked for small print stating a credit check would be conducted. The only thing that came up was your social would be used to CONFIRM your report which is obviously misleading. Nothing came up asking if I agreed to a credit check. Nothing came up indicating the application would pull a hard inquiry or any inquiry for that matter. Its misleading because most people would look at confirm as meaning checking to see if the social matches your name, not pull hard inquiry ( why not just say they are pulling a credit report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to seek legal advice about information and experiences that can be shared onto my consumer report. From my research I noticed that Congress granted everyone rights as an consumer dealing with our consumer reports. There are several laws this company have purposely ignored by furnishing this account onto my consumer report for over a decade now. I was able to reach out to all 3 bureaus that were reporting this account and requested to have it removed and only 1 of the 3 complied. This lead up to me now filing an complaint. Violation codes are as follows : 15 U.S. Code 1666b ; 15 U.S. Code 1681b ; 15 U.S. Code 1681e. Delete account immediately. I do not consent to you furnishing my account with any XXXX party agencies. The transactions and experiences should not be shared with any other companies without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX   contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA and XXXX XXXX   guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX http : //www.themoneysource.com/
Product: Credit card or prepaid card

On XXXX XXXX a representative, " XXXX XXXX XXXX '' at XXXX sold me " health Insurance '' on behalf of XXXX XXXX. Upon reviewing the policy I realised that XXXX " XXXX '' misrepresented the product that was sold to me, this was not health insurance but rather Supplemental Health insurance. I contacted the company on XX/XX/XXXX, I contacted both XXXX XXXX and XXXX XXXX and requested cancellation of the said product. The policy clearly stated that I had 30 days to cancel. I have several emails between XXXX XXXX and myself requesting this cancellation. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX about this issue, and asked that my XXXX be cancelled and a new one issued to me because I did not trust this merchant. On XX/XX/XXXX a payment {$440.00} to XXXX XXXX was charged to my now cancelled card and then reversed on the same day. 
Although I did not provide XXXX XXXX or XXXX with my new card, a payment of {$440.00} was charged to my new card on XX/XX/XXXX. I did not authorise a payment on XX/XX/XXXX. 
I have disputed this with XXXX XXXX and received a letter stating that there was no error and will not be making an adjustment and I will need to speak to the merchant directly. The merchant claims they did not receive this money. 
I have attached my correspondences to all parties, XXXX, XXXX and XXXX. 

Thank you for your usual prompt attention and the great work you do.
Product: Credit card

I applied for a credit card at Sams Club. It goes thru Synchrony Bank, Creditor, XXXX. XXXX XXXX, XXXX FL XXXX. 

On the application it stated that the credit rate would be either 14.90 or 22.90 based on credit worthiness and other factors. I have explicitly good credit and have very little debt. I only owe on a car loan for myself and a co-sign on a car loan for my daughter. Balances for both around {$9000.00}. My home is paid for. I was given the 22.90 interest rate. I received the notice that said the credit rating was used. The credit score in XXXX with no detrimental items listed ( I have never been late on a payment ). Upon placing a call to the company, I was told that you had to have a XXXX credit score to get the 14.90 rate and had to have an ability to repay due to the 2012 Dodds Frank act. With an adjust gross income of over {$80000.00}, this indicates an ability to repay and my credit score is much well above the normal credit score. I would like to keep this card as it benefits my use in my business practices. However, I truly feel that this company has an unfair lending practice by not giving me the 14.90 rate on this card. This has never happened on any credit card that I have gotten for a personal credit card. Also, several months ago, I did get a small business credit card with my same information from a different company and the rate was 12.90. Again, this company has a fair lending issue. 
Thanks
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Equifax has responded to my previous complaints, that they require me to send a copy of my drivers licence and social security card before they will make the needed correction to my file with them. I have provided them proof I owe nothing on this XXXX/XXXX collection item, more than 6 times. Now suddenly, they require ID to proceed any further. I have repeatedly proven amply who I am by all of the normal ways used by them and all other CRA 's. I question why Equifax is stalling me on removing this false collection claim from my record with them, as soon as I gave the XXXX balance in voice to the other CRA 's, they quickly deleted all record of the collection from my files with them.
Product: Payday loan, title loan, personal loan, or advance loan

They saying my credit score is different than my main XXXX XXXX XXXX and is lower that the company Saying and they not reporting on time.
Product: Debt collection

Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. 
This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX  where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have 0 customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXXTrueAccord.com they just bounce me around and provide no help, just want me to pay for a product that was never delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we filed a complaint against BMO Harris Bank because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
Product: Debt collection

XXXX XXXX services appears to be aging my " debt '' by making payments or claiming that my wife and I are making payments on the account in which we do not have business with them.
Product: Debt collection

This company is trying to collect {$340.00} to which I do not owe. I've never used their services. The name they are using to try to sue me for is not even my name, it's just similar. I was under the impression that the company was going to fix it after I spoke to them and a year later it's still there on my credit report trying to collect money from me.
Product: Mortgage

XX/XX/XXXX - Nationstar DPA Mr Cooper - auto drafted our bank account 7 mortgage payments total of {$9900.00} causing our bank account to go in the negative over {$8000.00}. I spoke with customer service at Mr Cooper and they were little help as the rep could not explain what happened. I did also speak with my bank and filed with the bank these were unauthorized payment withdrawals. We are not set up on auto draft from our bank account nor would we ever allow 7 payments at one time to be drafted on our mortgage loan. 
Mr Cooper has since reversed the payments on XX/XX/XXXX. However - we were unable to access our bank account for 3 days due to being in overdraft. 
I am filing complaint to stop this from happening again to myself or someone else. A mortgage company should never be allowed to deduct payments from a bank account not authorized by a consumer. Glitch or no Glitch this is unacceptable
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are rep
orting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the
consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Debt collection

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. 

I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. 

I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. 

No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Credit card

XX/XX/XXXX : My Fiancee and I went to Green State Credit Union in XXXX XXXX to inquire about getting a Mortgage. 

We talked and decided to consolidate some credit first. We talked with their credit and loan officer. 

He got us each a new card mine with a {$6000.00} limit, he's with a {$3000.00} limit and he began transferring our balances. 

XX/XX/XXXX : I got my loan and card payoff information to Green State. 

XX/XX/XXXX : I received an email saying that a XXXX XXXX  balance was being transferred to my new card. I informed them that is my fiancees card and that I was expecting a transfer from a XXXX  XXXX XXXX. 

XX/XX/XXXX : They confirmed that they resolved the transfer issues. 

I checked and the discover balance is now on my fiancees card, but so was my XXXX  XXXX balance. 

XX/XX/XXXX : I called them directly and was assured the issue was resolved. 

XX/XX/XXXX : I was once again told they would resolve it. 

XX/XX/XXXX : Fiancee called and was assured it was going to be resolved the following day. 

XX/XX/XXXX : I informed them that my fiancees card is still over her limit due to my card balance being transferred to her card. He said he'll fix it Monday the XXXX. At this point it is now affecting her credit, and potentially the terms of the card agreement. 

XX/XX/XXXX He again confirms that the balance issue has been resolved. 

XX/XX/XXXX : As of writhing this her card is still over limit and the balance is not showing on my card.