23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I underwent hand XXXX performed by XXXX XXXX XXXX. On the morning of the XXXX, I was told I had to pay {$940.00} in case my insurance would not cover the full amount. I received a single page receipt of this payment at the time, but I have never received a proper billing statement or statement of account which reflects this payment. I have submitted this one-page receipt three times through the XXXX XXXX XXXXXXXX, via the billing message function. The replies that I get back are nonsensical. 

XXXX XXXX  charged a total of {$3400.00} for the XXXX. The entire amount ( not reflecting my payment of {$940.00} ) was sent to my XXXX XXXX, XXXX XXXXXXXX XXXX. On XX/XX/year>, XXXX XXXX reimbursed XXXX XXXXXXXX in two payments : {$590.00} and {$2400.00}. Including my payment of {$940.00}, XXXX XXXXXXXX has over-collected for the XXXX. 

XXXX XXXXXXXX, however, pretends the {$940.00} payment was not made, or not made to the XXXX XXXX Department ( but this is the only XXXX XXXXXXXX department that has sent me any billing statement in relation to the XXXX of XX/XX/year>. ) They refuse to look at my uploaded receipts. 

XXXX XXXXXXXX claims I owe an additional {$330.00} and they sent this debt to collection agency Harris & Harris in XXXX. Within days of receiving a notice from Harris & Harris, I sent a written letter disputing the charge. Harris & Harris 's reference numbers are XXXX & XXXX. I provided the receipt for my payment of {$940.00} in my reply letter. The letter was sent by XXXX, tracking number XXXX XXXX XXXX. 

Subsequent to sending my letter, by XXXX, disputing the amount in writing and asking Harris & Harris to investigate, this collection agency reported the debt ( against the Fair Credit Reporting Act law ) to credit agencies. Today I was notified that my XXXX score has declined because of an upaid bill. There is no other bill that I have not paid that I am aware of. My XXXX score was recently XXXX and now it is XXXX. My understanding of the law is that if the collection letter is disputed in writing within 30 days ( and it was ), the collection agency MUST investigate and provide proof of the debt amount before sending any information to the big three credit rating agencies.

Harris & Harris has violated the Fair Credit Reporting Act. 

Today, I received an unwanted text message on my personal cell phone from Harris & Harris. I was instructed to call XXXX XXXX at XXXX. I texted STOP back on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am liable for this debt with XXXX XXXX. I did not have a contract with XXXX XXXX XXXX Acct # XXXX they did not provide me with the original contract as I requested.
Product: Money transfer, virtual currency, or money service

An unauthorized number of transactions were made to & from my account along with longins & my account has been locked since making it hard to do day to day transactions. Ive tried to contact them many of times but no progress has been made nor steps to assist me. Its been about 2-3 years.
Product: Credit card or prepaid card

To whom it may concern, I opened a new JetBlue Credit Card with XXXX on XX/XX/XXXX. At the time they had a promotion offering new applicants XXXX XXXX XXXX bonus miles with the payment of their {$99.00} Annual Fee and purchases on the card in the amount of XXXX XXXX dollars within the first XXXX days or so. Both requirements were fulfilled well within the allotted time frame and the bonus miles should have been awarded within six weeks of XX/XX/XXXX ( the date in which all requirements were fulfilled ). As of XX/XX/XXXX the XXXX XXXX XXXX bonus miles have yet to be awarded. 

I attempted to resolve the issue with both XXXX and XXXX on XX/XX/XXXX. At the time, XXXX informed me that XXXX did not transfer over the points and that I was in fact eligible for the bonus mile promotion. When I called XXXX they opened a ticket ( reference ID is : XXXX ) to try to resolve the issue and informed me it could take up to a calendar month to resolve. As of XX/XX/XXXX no resolution has been achieved and no progress ( according to their systems ) has been made since the dispute was opened. As of XX/XX/XXXX XXXX claims that XXXX XXXX in the Rewards Department has been assigned the case but are unable to tell me whether or not the case will be resolved and under what timeframe it will reach resolution. 

I could really use help in obtaining some clarity on the hold-up or at least an update on the issue as it seems for the past month, no progress has been made.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Due to the job change, I moved from XXXX XXXX to XXXX XXXX on XXXX XXXX with my wife and XXXX old baby boy. It was a long journey that was not very pleasant. A few days later, I was called once by a stranger, who said she was from a collection agency for collecting the balance ( {XXXX} ) I owed to XXXX XXXX XXXX in XXXX, where we stayed when I worked in XXXX XXXX XXXX XXXX. Although this lady used very tough and unpleasant languages, I did not see any reasons that I was going to refuse to pay. I waited for the formal and written notice about the collection, so I can pay off the balance. At that time, I did not even know the name of the collection agency. 

After a while, I suddenly saw that my credit score from XXXX drops from XXXX to XXXX. I was so surprised because I keep my credit score above XXXX for a long time. I believe that the huge score decrease is due to this collection event. 

However, the problem is that I have never received any written notice from this agency. I do not even know how to pay the balance. If you look at my credit history, you will find that I have dealt with other collection agencies before, and I paid every balance I owed in a timely manner. So I have no collection in my credit history before. 

I was very angry to get involved into such unprofessional and unfair events from both the collection agency and XXXX since these careless mistakes have a very negative financial impact on my mortgage plan. I have a very great credit history ( > XXXX credit score ) and do deserve a fair treatment and evaluation. So I strongly suggest that both the collection agency and XXXX take the right action and correct their mistakes on a timely manner.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. These accounts and inquiries are with : XXXX XXXX - XX/XX/XXXX with a balance of {$14000.00} XXXX XXXXXXXX - XX/XX/XXXX with a balance of {$2500.00} XXXX XXXX - XX/XX/XXXX with a balance of {$1700.00} XXXX XXXX XX/XX/XXXX with a balance of {$0.00} There is also a fraudulent inquiry with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$1700.00} XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$9100.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint of ( # XXXX ) ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Student loan

I attended XXXX XXXX College in XXXX, New Hampshire. My sophomore, junior, and senior year I handled my financial aid without the help of my parents. I was a good student. I got a scholarship, I was a XXXX, and was named XXXX team for maintaining the highest GPA on the team for two years straight. During the three years in which I handled my own financial aid I was advised by XXXX XXXX XXXX 's financial aid office to go to XXXX and to take out Signature Student Loans in order to cover the remaining costs that I had during the year. It was so easy and I had no idea what I was getting in to. Before I knew it I was {$100000.00} in debt to XXXX XXXX ( now Navient ) with 9.75 % and 9.25 % interest rates and very little hope for a financial future. Monthly payments have been over {$1000.00}. I work a full-time job, a part-time job, and serve part-time in the XXXX XXXX XXXX ( they offer student loan repayment on federal loans ). I am XXXX years old and am hampered by incredible debt. I 'm not afraid to work, in fact I work all the time just to afford my monthly payments. I am unable to save any money for a house or start a family. I feel like I was misled by my financial aid office and XXXX XXXX. I was XXXX, XXXX, and XXXX years old when I took on this debt. I did not understand the gravity of the decisions I was making. To make matters worse it was so easy! A loan application for {$30000.00} at 9.75 % interest took me XXXX minutes to complete! It did n't even require a co-signer. I am current on all my bills and have never missed a payment, but am getting very frustrated at not making any progress. I 'm concerned about my future and the burden that I put on my future spouse and my family. I 'm not XXXX to run from my problems, but I need help. Navient has recently worked with me in negotiating a lower monthly payment and interest rate for 12 months. I am very grateful for this, however the payments are still nearly {$500.00} a month and only offer a short-term solution to the problem.
Product: Vehicle loan or lease

My car loan was included in a bankruptcy that was dismissed on or around XX/XX/2021. Consumer Portfolio services contacted me that we to ask me what I planned to do. At that point, I had planned to refile bankruptcy however based on y calculations, I would be better off trying to pay off the loan. During the conversation with CPS, I requested an amount due however they were unable to provide that ( They called me to ask me what I planned to do-pay off or re-file ) yet could not provide a balance. I waited a couple of weeks to try and come up with some money to save the vehicle. I called CPS, asked for a Pay off however they said that the pay off/audit was not ready. I called the following day same thing. Finally, XXXX XXXX tells me I owed a little less than XXXX XXXX dollars. Since the bankruptcy case was dismissed I knew I no longer had protection so I asked him what would be the amount to bring the loan current. He stated XXXX dollars would bring the loan current. I asked him to send this to me in writing he claimed he would be emailing me but he never did. I paid this on XX/XX/2021 without an email because I am sure they would come after the car claiming I did not pay. I called back to inform them I paid and asked for a pay off the claimed they have to conduct another audit now that I made a payment ( they never completed a first audit ). At this point I am paying them money blindly as they have deactivated my ability to see any history on the account. In addition they have disabled my ability to use their CHAT option as I requested an audit through online chat. They responded saying I would get it in a few days and that never happened. I am trying to pay off the loan with an accurate amount due with no hidden fees or erroneous charges. I realize the lender will attempt to collect every dime they can but it I am asking for a pay off why am i receiving three different amounts. They reported XXXX to the credit bureau, when I call they automated line its says XXXX when I spoke with XXXX XXXX he said close to XXXX. I am not receiving any monthly statements so at this point I feel like they are giving me a run around to collect monies from me, bankruptcy and to come get the car which is now close to 9 years old. They are always in collection mode so even when you call to get a balance the tone you receive is " we want our money '' -not a problem but please correct your systems and provide accurate information. I have supporting documentation from this situation.
Product: Payday loan, title loan, or personal loan

I didnt know where else to put this up, but this is for a PayPal pay in four application in the past, Ive used PayPal pay in four and never had a problem. I always paid it now when I apply it says I am declined due to previous pay in four applications that were not paid!! it was on auto pay, so how did I not pay for it? Ive asked several times with no response.
Product: Mortgage

XXXX XX/XX/2020 - XXXX XXXX XXXX NMLS # XXXX ) of XXXX XXXX XXXX  informed me my credit score wasnt good enough for a VA XXXX XXXX. Stated I would have to pay 3 points / ~ {$17000.00} to obtain a 3.875 % XXXX XX/XX/2020 - XXXX XXXX ( NMLS # XXXX ) of Amerisave Mortgage Corp quote a refi rate of 3.625 % with {$2000.00} lender costs plus title and appraisal fees. When informed I was aware VA XXXX did not require appraisal he stated my credit was not good enough. When questioned credit requirement he abruptly ended the conversation. 

I owe {$510000.00} on a house that appraised at {$590000.00} 6 months ago when I bought it. I have installed a {$60000.00} pool and am confident the prosperity value is north of {$600000.00} based on local comparables. 

Why cant this Veteran with a service connected XXXX get a VA XXXX????
Product: Credit card

My Robinhood credit card payments were made on XX/XX/year> and XXXX through ACH. The XX/XX/year> payment cleared my bank on XXXX. The XXXX payment cleared my bank on XXXX. However, neither payment has posted to my credit card balance as of XXXX. They have indicated the first payment would post on XXXX and the second on XXXX, and that they can hold ACH payments even once it's cleared. They also indicated that there is no method by which the payment posting can be expedited, and when I asked to file a complaint, I was not given any method by which to do so. The first time I asked, I was ignored. The second time, I was told that " I have documented your concerns and will pass them along to the appropriate team. '' The third time, " We have recorded your complaint internally '' with nothing to confirm it actually occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of my Bankruptcy is incorrect this bankruptcy is more than 10 years old by law it has to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or 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 Date Opened : XX/XX/2014 Balance : {$14000.00}
Product: Debt collection

I received a debt supposedly through XXXX. I had an account that I closed XXXX years ago. The debit says that as if XX/XX/22, XXXX years later I somehow owed {$62.00} even though I didnt receive anything from XXXX and my account was at {$0.00} when I closed it. I called XXXX and they confirmed they didnt send any emails and couldnt verify the account that supposedly has a debt. The account number is XXXX. 

I tried the all American coradius international llc and they are closed. Also, this is a scam so I dont want to interact too much.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It all started with a change in my credit report about a charge on a XXXX Bank credit card associated with an address that is not mine, after that we contacted Experian and began the procedures with the fraud report, we also contacted XXXX Bank and they removed that account from my history to protect my identity and sent me a letter with all the information. XXXX informed me that I should file a police report at : XXXX, and that is what I am doing.
Product: Credit reporting or other personal consumer reports

I closed account with XXXX XXXX XXXX  XX/XX/XXXX and was told no balance due, I found out 3 months later that there was a balance that I was not aware of and was told pay {$24.00} to make current. I felt I had no choice so I paid it. Now it is reported as late payment on my credit report and they refuse to fix it if I knew there was a balance I would have paid it then.
Product: Debt collection

I am constantly being bothered and harassed by a company called  XXXX   XXXX !!!! The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least two emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before  XXXX   XXXX .     I have received  36  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are c alled LVNV Funding
Product: Money transfer, virtual currency, or money service

On XXXX at XXXX XXXX ET funds were sent to my own XXXX XXXX  account from the XXXX amounting to {$760.00} ( XXXX XXXX ). The funds typically are made available within 48 hours. By XXXX the funds were still not available and I contacted both Western Union and my XXXXXXXX XXXX. My XXXX XXXX was unable to locate the incoming ACH transfer for my account and Western Union states the bank made the funds available on XXXX. I contacted Western Union who was unable to even confirm that my bank account number was the number the funds were sent to, claiming they can only see the last XXXX digits. Further they were unable to search for all transactions with my bank account number to see if this transaction appeared. 

They stated a case would need to be opened and I would be contacted via email with next steps after 72 business hours. 

I have sent many transfers to myself and my information is typically on file so I am unsure how this could have been sent to the wrong account, but I guess it is possible.