23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I was prescribed a XXXX XXXX through the company XXXX, XXXX XXXX I was told by my doctor at XXXX XXXX XXXX and the XXXX representative, that my health insurance, which is XXXX XXXX XXXX, had pre-approved coverage of the unit and would cover the charges ( approx {$720.00} ) for the equipment and that my only out of pocket costs would be {$25.00}, which I paid. In XXXX, I began getting phone calls from XXXX XXXX XXXX XXXX regarding billings of over {$2100.00}. I advised the caller that I have never received nor agreed to receive any services from XXXX XXXX XXXX XXXX and that my only relationship with " XXXX '' is that they are my health insurance provider, paid for by my employer. I called XXXX, to check to see if I had a balance, and was told that my insurance had covered the charges and I have a {$0.00} balance. I requested an itemized ledger showing insurance payments and a {$0.00} balance. I have since gotten multiple collection notices from Harris & Harris , Ltd for {$2100.00} under reference number XXXX. I disputed the debt via first class and certified mail to Harris & Harris in XX/XX/XXXX and also reported the fraudulent charges/collection attempts to the Oregon Insurance Commission in XX/XX/XXXX, but it hasn't yet been resolved but I received a refund check for {$25.00} from XXXX as `` collection in error '' ( I did not cash that check ). Around XX/XX/XXXX, I received multiple notices again from Harris & Harris of each individual account being split up and using separate " reference numbers '' ( XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), all totaling {$2100.00}. I again, have written to Harris & Harris , Ltd, disputing this debt and addressing the sneaky attempts at continuous collection tactics. Either XXXX XXXX XXXX, XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX have committed contract and medical fraud, surprise billings, account/personal information exchanges which is also a direct violation of my HIPAA rights XXXX and Harris & Harris is aiding by using sneaky repeated collection attempts after being notified of the disputed debt, which is illegal debt practices and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXX XXXX Balance : {$210000.00} DPT ED/NAVI XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance XXXX {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX XXXX : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these EXACT VIOLATIONS
Product: Credit card

On XX/XX/ I noticed that Capital One had put a restriction on both of my credit cards. I have never missed a payment on any of these cards. The last 4 years I always paid off my balance by the due date. I called customer service to find out what this is all about. They told me that the fraud department had put on restriction because in XXXX I had setup payment and then cancelled them and setup payments again. They told me that if I want to take off the restrictions I should send them a copy of these 4 documents. They also to me it can take up 10 days after I submit my documents to remove the restrictions and will call me to let me know.. 

State Government-Issued ID/Driver 's License - one image of the front and one image of the back Social Security Card - one image of the front of the card XXXX XXXX XXXX Statements They emailed me a link on where I should upload these documents. 
I uploaded my drivers license and my social security card. I also uploaded a copy of my internet bill from XXXX. I also uploaded my business checking account statement because that the only checking account I have at the moment ( I have making all my payments through that account. 
On XX/XX/23 I got a call from Capital One that since my bank statement doesn't show my full account number I should sent them a copy a deposit slip. I went and took a picture of a deposit slip and uploaded it to them. 
I called them a week later to check on my status and I was told it still hasent been resolved. I called again last week which was already 4 weeks later and was told again that it hasent been resolved. I was told that he will accelerate it and they will call me when it be resolved.. 
As of to day I still havent heard back anything. 
I have being using one of my credit cards to give to various charity organizations. They would charge my credit card a certain amount .Capital One had put a restriction on my card all charges have been declined. I am getting phone calls from organizations telling me that my credit card has been declined. It been a very embarrassing situation for me for no good reason. 
I asking you to please help me and resolved this ASAP. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an 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. 


In accordance with the Fair Credit Reporting act REGIONXXXX  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 an 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 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: Debt collection

THE CAINE & WEINER COLLECTION COMPANY, HAS REPORTED ON MY CREDIT IN ACURED INFORMATION, AND I SEND THEM A LETTERS ASKING FOR MORE INFORMATION ON THIS ACCOUNT, THEY HAS IGNORE MY REQUEST, THEY HAVE LISTED A XXXX XXXX CAR, THAT I HAVE NEVER OWNED, I AM REQUESTING THE COLLECTION TO BE REMOVE FROM MY CREDIT, OR THEY CAN RUN A REPORT ON THE ( XXXX XXXX XXXX ) THAT IS LISTING WITH THE COLLECTION COMPANY, AND SEE WHO REALLY OWED THIS VEHICLE.

I NEED HELP WITH THIS COLLECTION DO TO LOCK OF INFORMATION, AND COMMUNICATION FROM CAINE & WAIVER
Product: Student loan

RE : Case # XXXXI did receive a letter from XXXX XXXX XXXX at Performant Recovery. It did not include another XXXX as stated in letter. I again faxed him the copies of all the correspondence, which included financial information and I mailed a hard copy to the address on his letterhead with a proposal of a payment plan. I asked again fora written response. This was onl XX/XX/2015 and now it 's XX/XX/2015. So my credit is still suffering and I 'm making payment and accruing interest and penalties.
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

When I orginally started my repayment process, i spoke to representatives over the phone asking about lowering my payments because i had other expenses building up. They told me that was the lowest monthly repayment option I had. So, i made sure to get way ahead my first year so I would not default. I knew i was changing jobs after my first 6 months at my position. I changed jobs midway through that first repayment year and started getting payed 15 % less. So the second repayment year was less of a financial burden. The third year i was late on 1 or 2 payments and they recommended i go under forebarance or i will default. I was not willing to pay more in the future so i told them i would not happen again, despite the fact I was moving to another city for a better financial opportunity. This was scary to think about at the time so i continued to repay during my transition period between cities with the little savings i had. I have paystubs, reciepts, and professional references of needed to show my past job date and times of hire. These are scare tactics utilized on those with little experience in loan repayments and looking back now, I had other options at my disposal but was limited to the information and resources i was presented with.
Product: Credit card

On XXXXXXXX  I was charged {$3500.00} by XXXX XXXX XXXX XXXX CA. Services were never rendered and I requested a full refund. 

On XX/XX/ I was charged {$2500.00} by XXXX XXXX XXXX XXXX CA. Services were never rendered and I requested a full refund.
Product: Bank account or service

Y bank TD bank charged me enormous overdraft fees I did not sign up for this service
Product: Credit reporting or other personal consumer reports

XXXX HAS ALLOWED XXXX XXXX TO REPORT AN INNACURATE ACCOUNT ON MY CREDIT REPORT. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO DO AN INVESTIGATION. XXXX / XXXX FAILED TO PERFORM AN INVESIGATION. THE INNACURATE ACCOUNTS HAS BEEN DAMAGING TO ME. PLEASE REMOVE BOTH ACCOUNTS IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information .XXXX  . Please delete the following accounts : XXXX XXXX XX/XX/XXXX, JEFFCAPSYS XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains hard inquiries that I did not authorize, which breaches XXXX XXXX XXXX. Kindly remove these inaccuracies.
Product: Credit reporting or other personal consumer reports

Account is listed as open and has been paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/10 i reached out to TransUnion, XXXX  and XXXX  regarding some unauthorized inquiries that i found on my report that they are publishing. I submitted an FTC Report and an identity theft affidavit which i got notarized. These unauthorized inquires are still showing on my report and they haven't been blocked or removed even after i said they are unauthorized and un permissible by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 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.
Product: Credit card

I want to file a formal complaint against " My Best Buy Credit Card ''. Today when I received my mail I opened it and I saw " Interest Charge '' for the amount of {$210.00}, then I called their Customer Service Department to try to remove that Interest Charge because I 'm not or was not aware of such " Interest Charge '' I spoke with a lady name XXXX.I asked her to give me some type of Identification as her Employee Id or Last name She said she ca n't provide to me, she says she is part of a Management Team from Tennessee her team Id is # XXXX. This lady instead to assist me she tried toCharge {$300.00} for the balance to paid on full so she could remove the " interest charge : I said to her I never was aware of this Interest Charge of any previous purchases Idone All the time when I buy with this credit card I got free interest until balance is paidoff, So since she did n't want to assist me to remove this interest charge I told her I wouldformally put a complaint against their Credit Card For " Switch and Bait '' with the CFPB Now I see the illegal way to try to charge me extra amount of money without me notice it .Please assist me to resolve this issue I 'm reporting at this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear Experian, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened my first credit card account on XXXX as an international  XX/XX/XXXX. I just realized they charged me {$39.00} annual fee for 6 years, for a {$0.00} annual fee credit card. I search online about BOA cash reward or BOA cash reward student DO NOT have annual fee. There is no valid reason for charging me {$39.00} per year for 6 years! If I did not notice this, I guess I'll still be charged the non-existing annual fee. My other friends do not have this problem. 

I noticed I have a {$39.00} annual fee charged on XX/XX/XXXX and I already called BOA on XX/XX/XXXX to waive the fee. What about my previous annual fees? I need my refund for the non-existing fee charged on me. This does not make any sense. BOA " upgraded '' me to BOA cash reward Visa Platinum Plus, not sure what's the difference and seems no extra benefit but at least waive my annual fee!?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau ( EQUIFAX ). As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Product: Credit card

Barclays Arrival + XXXX card has been denying my use of the card. I have a {$0.00} balance on the XXXX card. I notified the company I would be traveling from the XXXX to XXXX XXXX XXXX. I received an email from Barclay on XX/XX/23 acknowledging my XXXX XXXX. I tried to use the card on XXXX at XXXX XXXX and was denied twice and I called and spoke to two representatives who said my card was fine and one who said I needed to prove my identity. After giving them my full name as it is on my card ; my card number ; last 4 digits of my social ; my email address and phone number which they sent me a code to verify who I was - done successfully, they said I have to send a copy of social security card front and back, my government ID, a utility bill. Then other reps said my card was good to use and all was accepted. However, when I tried to use the card, the transaction was denied. I had sent the documents requested on XX/XX/23 and again on XX/XX/23 and when I go into my Barclays App and go to Document Center, I see my copies of my Social Security card, my Us Passport, my CA Drivers License ; my Land US Passport Card. I also have a Barclays Loan that is active and in repayment status and there is no issue with them receiving my payments ; yet when I try to use the travel benefit credit card, all my transactions were denied with no explanation. Luckily, I brought my XXXX XXXX XXXX card on my trip.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.