23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received Emergency Care on XX/XX/2019 at XXXX XXXX XXXX XXXX. When the bill arrived, I applied for financial assistance due to poverty level income. I was granted assistance and received a letter dated XX/XX/2019 indicating that all services provided on XX/XX/2019 were paid and the accounts considered closed. On XX/XX/XXXX I received a statement from XXXX XXXX XXXX attempting to collect on services provided at XXXX XXXX XXXX XXXX in the amount of {$240.00}. I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX after receiving the statement from XXXX XXXX XXXX and was told the account was closed and no amount was due. I contacted XXXX XXXX XXXX the same day and disputed the billing and asked for proof of debt. I indicated I had a letter stating the account was paid, and that I had contacted XXXX XXXX XXXX XXXX and was told I had a XXXX balance. I was told that because I was treated in the ER on XX/XX/XXXX, I owed the bill and was provided no further information why or where the bill came from. I again stated there must be an error and I wanted proof of debt owed. 
On XX/XX/XXXX I received a bill from HRRG for the same {$240.00}, after not having been provided any proof of the debt from XXXX XXXX XXXX. Fair Debt Collection Practices Act states that I have the right to obtain validation of debt information in order to ensure the information 's accuracy and I have been denied that right by XXXX XXXX XXXX. I was in turn passed on to a collection company instead of providing me with the information that I am due. I contacted HRRG to explain that I had already spoken with XXXX XXXX XXXX and disputed the debt. Again, I requested proof of debt, this time from HRRG, but was told there is no proof they can provide other than a duplicate of the bill I already have from XXXX XXXX XXXX. I would like proof of debt in the form of an itemized statement from XXXX XXXX XXXX XXXX, showing what items I am still owing for. XXXX XXXX XXXX XXXX is unable to provide me with that information, because they indicate my account is paid in full.
Product: Checking or savings account

TRUIST has initiated a HSA Savings change to allow for your HSA to go into XXXX account for investing. 

They told me that I would not have a choice in this matter, and that XXXX would be charging a monthly fee as well. 

I did not want to invest my money and because XXXX can not take XXXX auto deposit I had to close my account and go with my XXXX credit union for a new HSA Savings account. 

I asked for my money to be transferred to my XXXX  HSA SAvings and was told by a TRUIST Banker to email it, which I did. Nothing, heard nothing. 

Then on XX/XX/XXXX  the money in my TRUIST account disappeared, no receipt, no email no help from brank office Banker! 
I contacted the Bank again via email and told them I was going to report the theft of my money to the police on XX/XX/. 
That afternoon a post was noticed that my funds were to be transferred to a new TRUSTIEE. TRUIST then charged me {$50.00} for ths transfer that their actions caused the need for it. 
As of this morning the HSA Savings at XXXX and at TRUIST both show XXXX! 

Please help me. I am a XXXX  citizen with a XXXX XXXX ( XXXX XXXX ) and I had XXXX last year. I need access to my funds and had to use my credit card for my last two pharmacy visits. 
XXXX is my cell.
Product: Mortgage

RUSH PLEASE I have foreclosure sale date scheduled for  XXXX   XXXX ,   XXXX   and I can not stop it. I have Loan Modification with my servicer NATIONSTAR MORTGAGE,  LLC a nd seems like they are violating my CALIFORNIA HOMEOWNERS BILL OF RIGHTS.     Hi, my name is  XXXX   XXXX  and I 'm having a very hard time dealing and working with my servicer NATIONSTAR MORTGA GE, LLC. I h ave mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for  XXXX / XXXX / 2017 . If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS. I really do n't know what else to do. They say they will not give me a loan modification and that they can not do anything. How is it that they can not do anything. I 've been trying with them for a long time. I tried and applied for the Keep Y our Home Cal ifornia program when it was still active and they still said I was denied. I need help. They keep denying and prolonging the process until I have exhausted all my resources. I will not stop fighting till I get a loan modification if be it I will have to file a lawsuit against them in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent someone {$500.00}. Then the person who I sent the money, canceled the transaction and I was supposed to be refunded. I contacted CashApp several times about my refund because it wasnt back in my bank account. They kept saying that it should be available in my bank account. It has been almost one month and I still havent received that money back into my account. CashApp keeps lying to me that they refunded that money but it isnt in my account.
Product: Credit card or prepaid card

Hello there! 

On Monday, XXXX XXXX, 2017, I contacted the bank who handles the XXXX XXXX XXXX, XXXX XXXX, to ask for an account closure and to work a payment plan of a fixed amount until the charge card is paid in full. I was instructed to call the customer service phone number to explain the situation and look for options. 

The representative who answered my phone call, whose name I can not remember, at all times, refused to work out a payment plan based on my hardship situation. Instead, she was insisting more than once, on collecting the debt when I told her that I was about to take care of that before the due date. 

This is not the first time I have problems with XXXX XXXX and they are difficult to work with. All I am asking is for a fixed payment plan between minimum {$25.00} or maximum {$50.00} per month until paid off. The rep at all time did n't consider my offer and instead said to wait until I make the {$40.00} payment due this month to see if the next payment will go for less than usual. 

As soon as I pay off this charge card I will never ever deal with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I have a brokerage account with Charles Schwab that was opened around XX/XX/2021 which was supposed to also include a checking account. I called Schwab 's customer service today on XX/XX/2021 to make sure that I could use the brokerage account and checking account as my main deposit and they informed that XXXX XXXX  found negative information about me. I went on XXXX XXXX to pull my report that they have on me and no such negative information was found. I can attach the report that was given to me. I am unsure why I was declined and feel like my money isn't safe in a brokerage account that I can't easily liquidate when that was what they told me when I was opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are about 6 inquiries on my credit report that I am not familiar with. I did not approve these inquiries, nor do I have a card for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>, I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET I FEEL LIKE I'M BEING TAKEN ADVANTAGE OF AND BEING IGNORED FOR MY DISPUTES AND CONCERNS SECTION 611 ( A ) IT IS PLAINLY STATES THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED MY. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XX/XX/XXXX** **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # # **Subject : Dispute of Incorrect Late Payments on Mortgage Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and Equifax for my mortgage account ( Account # : XXXX ). These entries are not accurate and negatively impact my credit score and financial standing. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Mortgage - **Account Status** : Open - **Monthly Payment** : {$2900.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Balance** : {$450000.00} - **Past Due** : {$6500.00} - **Payment Status** : Late 60 Days - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XXXXDiscrepancies in Payment History : ** XXXX XXXX XXXX XXXX **XX/XX/XXXX: ** - **Late Payments** : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and Equifax update my credit report to reflect accurate payment history. 
2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and Equifax highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We previously had a XXXX 's XXXX XXXX credit card that is sponsored by Commenity bank. The bills that were due XX/XX/2021 and XX/XX/2021 were not received in the mail until XXXX XX/XX/2021 due to significant problems with the mail service. The payment for both bills were mailed on XXXX XXXX so the bill for XXXX was definitely not 30 days late because the bank cashed both checks on XX/XX/XXXX. My wife and I called on XX/XX/XXXX when we discovered that the account had been suspended and spoke to a supervisor, XXXX, who was not willing to assist with the situation. We decided to close the account and authorized XXXX to pull the remaining balance, {$33.00}, from our XXXX XXXX checking account. He confirmed in the phone conversation that the balance had been paid in full and the account closed. We received a confirmation of this by letter from XXXX 's customer care dated XX/XX/XXXX along with another letter verifying that we had authorized the transfer of funds. However, on XX/XX/XXXX we received an additional bill for {$510.00} after an earlier verification that the balance had been paid in full and the account closed. My wife mailed the payment but on the same day we received notice from our identity protection that we had received two negative reports at the credit bureaus for this account. This morning we discovered that we had a credit of {$510.00}, the exact amount of the bill. A representative at Commenity Bank, XXXX, provided assistance and agreed that the negative reports were fraudulent and should never had been submitted to the credit bureaus. We requested to speak to a supervisor who after a 10 minute wait refused to speak to us but instead assured XXXX that the negative reports would be removed and that we would receive the amount in credit back in our XXXX XXXX checking account. Neither has happened and my credit score has been adversely affected over what appears to be a malicious act to intentionally damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$27000.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ 0 Monthly payment {$450.00} Opened XX/XX/XXXX ( 1 yrs, 2 mos ) Term 72 months ( 6 years ) PAYMENT HISTORY You've made 99 % of payments on time Current Last payment XX/XX/XXXX Payment status Charge-off Worst payment status -- ACCOUNT DETAILS Account status Open Type Auto Responsibility Individual Remarks Fixed rate Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Experian has my birthdate listed incorrectly. 
As of XX/XX/2023 Experian, XXXX, and XXXX are all showing different total accounts open, different status of certian accounts and misleading numbers on the total balances across the board. 
As of XX/XX/2023 Experian, XXXX, and XXXX all are displaying discrepancies in payment dates, status of accounts, and opening dates, As of XX/XX/2023 Experian, XXXX, and XXXX all are showing my Student loans from XXXX  on my credit report which is against the privacy act, all the loans are up to date and I have the right to privacy of the status, due to the deferrment act passed by the president,
Product: Debt collection

I received a letter from XXXX ( debt collector ) dated XX/XX/2019 for {$410.00} about an an XXXX XXXX Credit Card ( Synchrony Band ) for an account that I closed more than 2 years ago. I never received any communication about me owing money and this was the first communication on the topic. I paid right away as I didn't want my credit score to suffer. 

First, this is a charge that I didn't owe. Second, I need this to not impact my credit score.
Product: Debt collection

I have recently discovered that XXXX has already updated the negative status and removed the late dates associated with this account from their records. It has come to my attention that there was an error present, and XXXX was able to identify and rectify it. I am confused about how this discrepancy exists, considering the other bureaus have successfully updated the information. I kindly request that you promptly investigate and rectify the inaccuracies in the reporting of this account. Specifically, I am seeking the removal of late dates and the update of the negative status to reflect accurate information. This discrepancy is not only inaccurate but also erroneous, incomplete, and unverifiable. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX stated once tradeline was satisfied, it would be removed off credit file. Payment is rendered per agreement.
Product: Mortgage

This complaint piggybacks on prior complaint I filed here on XX/XX/XXXX. I received XXXX letters from BofA telling to call them right away as they wanted to assist me in bringing my account current. So I called BofA NUMEROUS times today, and I spoke with XXXX different customer relationship managers, XXXX XXXX and XXXX XXXX and both of them told me that they could not speak with me anymore because my account is in litigation. The thing is that if I don't take care of my account BEFORE XX/XX/1924, all hope is lost and I will be out of on the streets. I am XXXX and XXXX. I won't survive the streets. Please help.
Product: Debt collection

midland funding is sending me all type of threaten letters .I have never signed an agreement with this company. they have filed a law suit against in XXXX XXXX XXXX. My information has been expose and I think this a violation of my rights.
Product: Checking or savings account

In the middle of XX/XX/ 2024, someone hacked into our XXXX account through our check it at Wells Fargo bank and withdrew from XXXX different accounts a total of {$3400.00}. We filed a claim with Wells Fargo bank seven days later they said they were not responsible for the hack to our accounts, they will not be refunded. Our money was stolen from our checking account. They also changed our checking account numbers so it would happen again. I have no way of retrieving documents from the old account. I would need your help to have Wells Fargo refund all of our money that was taken through XXXX
Product: Checking or savings account

Last night at XXXX my account balance was {$100.00}. At close of business day I had a positive balance. When I woke up this morning, somehow, due to 'pending ' items, I had XXXX overdraft fees. Im XXXX. Money is tight. I juggle this account like a circus clown, and keep a close eye on it to prevent a negative balance at close of business day. Did not help me. They will only waive XXXX fee in a XXXX MONTH period, and I already got that privilege back in XXXX due to fraudulent activity on my account. The overdraft fee is XXXX XXXX XXXX. I got hit with XXXX overdraft fees between XXXX and XXXX XXXX. I am literally behind on everything, and due to my vigilance and frugal money monitoring, I did not deserve this. XXXX representative straight hung up on me. The others made it very clear theydid not give a XXXX. Avoid this bank unless you enjoy huge overdraft fees and heartless customer service. I've been fighting back tears all day at work, but at least XXXX XXXX  XXXX can keep gassing up the XXXX.