23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Complaint Regarding XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I am writing to express my deep disappointment and frustration regarding my visit to XXXX XXXX XXXX XXXX facility located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, on XX/XX/2022. 
During my visit, I specifically inquired if they accepted XXXX XXXX, to which their staff confirmed and proceeded to scan my insurance card. However, much to my surprise, I received a hefty bill of {$2700.00} after being treated. This situation has caused significant financial strain and stress. 

Upon realizing the discrepancy, I promptly contacted their office seeking resolution. I was informed that a supervisor would reach out to me, but two months passed without any communication. Subsequently, I reached out again, expressing my concern and requesting that my insurance be billed. The manager assured me that she would call me back, but unfortunately, I never received any follow-up. 

As I explained during my subsequent contact, I am in a financially vulnerable position and rely on government assistance through XXXX. If thrir front desk staff had informed me about the unavailability of XXXX acceptance, I would have sought treatment at the alternative urgent care facility located less than a mile away, which does accept XXXX. Regrettably, XXXX XXXX XXXX XXXX facility refused to bill my insurance and instead sent the bill to collections. 

This situation has had a significant impact on my credit and future plans. As a full-time student, I am concerned about the long-term consequences this may have on my ability to build a stable life after graduation. Given my current financial circumstances, I am unable to pay the outstanding amount, and it is disheartening that your facility is unwilling to work towards a resolution. 

I kindly request that you review my case and take immediate action to address this matter. It is essential for both parties to find a fair and equitable solution that will not adversely affect my credit or hinder my future prospects. I believe that a resolution can be reached through open communication and a willingness to rectify the situation. 
I appreciate your attention to this matter and hope for a prompt response. Please understand that resolving this issue amicably will not only benefit me but also uphold the reputation of XXXX XXXX XXXX XXXX. 
Thank you for your understanding and cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue sense XXXX of 2023 and these accounts do not belong to me at all because they were caused by identity theft/fraud. I am a consumer and I know my rights. This is in violation of 15 usc 1681 b and that is unacceptable.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX all have my personal info wrong and that can possibly result in INACCURATE credit reporting. I need my personal info updated between all XXXX agencies.
Product: Checking or savings account

I have XXXX checking accounts and a savings account with Bank of America. I have been a customer for over XXXX  years. Bank of America no longer has banking centers in XXXX XXXX XXXX For just XXXX I was charged {$5.00} monthly maintenance fees on XX/XX/XXXX, XXXX. 
I was also charged {$10.00} overdraft fees on XXXX ( XXXX on this day ) XXXX. 
I do not have a way to deposit cash as there is not a banking center nearby. I did speak with a customer service rep and a couple of those fees were reversed, but this happens every year and it seems like theyre requirements for waiting monthly maintenance fees, continuously changes, even though I have grandfathered accounts. 
I would close the accounts and use another bank, that does not charge various fees, but I have to go into a banking center to close the accounts ; And again we do not have any in XXXX XXXX XXXX 
I feel that the feast that Bank of America charges are scrupulous and unwanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was a MAJOR drop in my credit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid XXXX to XXXX! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.
Product: Checking or savings account

On XX/XX/XXXX I went to Bank of America in XXXX, CA  to cash a check for {$500.00}. I was told that they could release {$200.00} cash and out a hold on the remaining amount. The money that was on hold was never received. I contacted the branch on several occasions and was told that I took the check back and that they didn't have a record. I was directed to the fraud department and was advised that they could see that a transaction did take place, but they were unsure as to what it was. I spoke to the branch again, and they even told me that they didn't give me {$200.00} from the check. I contacted the owner of the check and received a copy that the check had been cashed. I took a copy of the cleared check to the bank and mysteriously, the branch manager XXXX XXXX said he sees 3 transactions but can not confirm how much money was released from the check. The same check, that he denied me cashing, prior to me showing a copy of the check clearing the check owner 's account. He also stated that he has the transaction history, but could not release that to me He did confirm that there was a hold on the funds in transaction # 2 that there was a {$300.00} hold. But on transaction # 3 they gave money but doesn't know how much but he is assuming it was the whole {$500.00}. At this point, they can not prove they money they gave me and the are refusing to provide me with the transaction details. What the bank has is not what is available online or what their fraud department is available.
Product: Mortgage

During my post foreclosure research I found that the foreclosing entity 's securitized XXXX trust never came into legal existence. Therefore the " trustee '' that foreclosed, XXXX XXXXXXXX XXXX, XXXX, which is not a bank but a corporation owned by the parent bank, could not have foreclosed. The foreclosure is void as a matter of law and yet the XXXX XXXX XXXX in Massachusetts allowed the non-existent trust and the attorneys representing purported third party buyers to wrongfully evict me from my home, as a XXXX single woman, who was denied reasonable accommodation in seeking more time to find suitable housing. The whole thing was a fraud ; I was set up with a fraudulent predatory mortgage from inception. 

There was no harmed party, which I plead to the XXXX XXXX XXXX. Obama bailed out the fraudulent actors three times over, with bail outs of title insurance claims to XXXX and direct bail outs to the large banks, followed by near zero interest loans from the XXXX while the banks financially XXXX homeowners with usurious interest rates on credit cards and various financial instruments at taxpayer expense. No harmed party means no claim, no purported third party claimant. These actors stole my home and a rental property.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. This information was given to me by XXXX Credit Bureau. I submitted several disputes to XXXX, XXXX, & XXXX, along with a police report. 

The date, I discovered this was back in XXXX after lots of research. I began sending disputes to all three Credit Bureaus asking if each would remove erroneous information being reported. 

Currently, some of the accounts were removed however not all.
Product: Mortgage

I am currently in escrow with a buyer for our home. We have a signed contract and will be closing the sale within the next month. Shellpoint must be ignoring this contract and notification of the sale because I keep getting notices from local buyers for cash offers from their notification that the mortgage company is causing problems. I would like to submit a formal notice and complaint that Shellpoint needs to back off and allow the legal sale to be completed and stop trying to move forward with an unjustified foreclosure when a signed contract has been submitted and escrow and closing will be completed by the end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to make a payment on line the agent told me I had till the XXXX of the month. On the XXXX received a letter telling me I needed to move out. I went to their corporate office to speak with a manager. He explained that it was a misunderstanding that I could leave the payment there in the office with the receptionist. Went to the bank got a cashiers check returned to the office left it with the receptionist. They later said it was not paid but it was paid to the lady in reception as he had asked.
Product: Debt collection

I was going to clear up a debt I knew I owed with Paypal Credit. I called the original company XX/XX/XXXX at XXXX and was informed the debt was transferred to a paypal collections the number they gave me was XXXX. Called the number was infromed it was transferred to another company called XXXX and XXXX. 

Called them and was informed how the debt was sent to them I asked did they try to send me any paperwork in the mail and they stated they did not. I let them know only because when she told me the address I no longer live there. And I did update address with paypal. I updated my mailing address on file with XXXX & XXXX and said please send anything here. That was XX/XX/XXXX. 

Gave me a file number and said they would send the agreement via email. I got it and sent them 2 payments so far. Emailed and called to let them know it is a struggle to pay the third payment and was told nothing she XXXX do about that since I agreed. She put a note in that I would make the payment late. That was on XX/XX/XXXX when we actually spoke to a person. 

I was then informed I needed to send a signed copy back of what she sent me on XX/XX/XXXX. I told her I thought I did respond, but in the end, I really do not remember anyone saying please sign and send back. Just they would write up the agreement and send to me. And in the email it does not state to please sign the settlement agreement. I just saw the first page and put the email saved as important. Not familiar with a law frim debt collector. 

Now that I actually read past the part of what I owe I see a case number that is titled with the court information. I look up the case number in the system. And it is a pending judgment and something stating I have been served. But where and when? I see it is my old address and I do not live there anymore. And after I informed the company of my proper address I see they continue to let communication go there. 

So now I need an understanding of how am I suppose to work with them if they can not work with me and give me correct direct information. But I guess because they are a lawfirm they over power me. And the old address is in another jurisdiction. Plus my ID and credit report all state new address. 
And the agreement they want me to sign has my new address on it but that is not what is on record for the court. 

This is unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to OHIO XXXX nor XXXX XXXX XXXX to release my medical information to a third party. XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX I am aware that HIPPA does allow for limited information about me but anything more than to OHIO XXXX and XXXX XXXX XXXX  is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization . 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX partial account number XXXX. This account has a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Product: Debt collection

the company kept calling me and emailing me even after speaking with them and telling them that the debt wasn't mine - I felt truly intimidated by them every interaction
Product: Debt collection

On XX/XX/18 a complaint was filed against me from a company called Midland Funding LLC. As of XX/XX/18 a summons was issued ans I'm still waiting to be served. However I have done some research and the business is not licensed to collect debt in my state. I also to my knowledge do not owe this company as I dont not have a contract with them. I first gained knowledge about this collection from a company called XXXX XXXX XXXX  XXXX XXXX. Letting me know that Midland filed a lawsuit and they would mediate for me. The amount that the letter says {$1600.00}. Plus interest and court fees
Product: Credit card

I have already disputed this account with portfolio recovery a k a XXXX XXXXXXXX. Their comment was, they had the last four digits of my social security number, But they still haven't provided my signature any payments on the account. This still doesn't prove that this is my debt! When I took out the debt XXXX, it was for {$500.00}, and I did make all payments. I still feel I PIF! 
They have not provided proof of debt nor proof that they can collect on debt! Anyone can get the last 4 digits of my social security number and claim I owe a debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, and XXXX  are in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XXXX XXXX XXXX XXXX  {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the listed accounts and inquiries be permanently removed from my XXXX XXXX EQIUIFAX XXXX and XXXX credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights
Product: Debt collection

Their records show i opened a XXXX account in XX/XX/2020. I did not open a XXXX account in XX/XX/2020. I've talked to way too many people who are either rude or hang up on me. They said they cant send me any kind of proof that it was or wasn't me. I asked for the contract with my signature and they hung up on me. My cell phone provider is XXXX for the last 5 years under someone else 's name. My name isn't on the account and i don't pay for it.
Product: Checking or savings account

Dear TD Bank Representative, I hope this message finds you well. My name is XXXX XXXX ssn XXXX and I previously held an account with your institution. Unfortunately, my account was recently closed. I would like to clarify that there were no malicious activities associated with my account during the time it was active. 

To my understanding, there may be a small outstanding balance of approximately {$20.00}. I am writing to kindly request instructions on how I can settle this balance promptly and explore the possibility of reopening my account. 

TD Bank has always provided exceptional service, and I greatly value the relationship I have built with your institution. I am eager to continue my banking relationship with TD Bank and would appreciate any guidance you can offer to facilitate this process. 

Thank you for your time and assistance. Please feel free to reach me at XXXX XXXX
Product: Debt collection

Upon checking my credit report I noticed a medical collection from XXXX for {$60.00}. The debt had been transferred to XXXX XXXX  XXXX. I contacted XXXX and they were unable to pull up any information that matched my name, dob and address. I let them know that the debt was on my credit report and they were the original creditor. They advised me to dispute the information with the credit bureau because they could not delete a record they could not find. I disputed the collection with all three credit bureaus. Both XXXX  and XXXX deleted the collection, based on the lack of ability to properly verify all reported information being accurate. However Equifax reported that they did not delete the collection because it was valid and they had verified the information. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Equifax used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Product: Checking or savings account

My funds were accessible XX/XX/XXXX call the company on the XXXX they went ahead and based on responses that close my account and then withheld my money with that XXXX I called today at XX/XX/XXXX no explanation or XXXX no documentation or justification. 

I need you
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payment on an account that I was never late. The consumer reporting agency have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payment be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you in advance!!! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Acct These Companies has violated my rights with Hard and Soft Pull Inquiries. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding the unauthorized reappearance of an account on my credit report, which was previously blocked under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B due to identity theft. 

The account in question, [ XXXX XXXX XXXX XXXX ], was initially identified as fraudulent and subsequently blocked from appearing on my credit report in accordance with FCRA 605B. However, to my dismay, TransUnion has allowed this account to be reported back onto my credit report without providing any notification or explanation, as well as failing to furnish me with requested documents regarding this matter. 

Despite my repeated requests for information and documentation regarding the reappearance of this account, TransUnion has failed to provide any satisfactory response. I have not been informed of the basis on which this account has been reinstated, nor have I been provided with any evidence verifying its accuracy or legitimacy. This lack of transparency and communication from TransUnion is deeply concerning and has further exacerbated the distress caused by this situation. 

Furthermore, it is important to note that the creditor associated with this account has been unable to verify the information they reported to TransUnion, casting doubt on the accuracy and validity of the account. Despite this, TransUnion has allowed the account to remain on my credit report, thereby negatively impacting my creditworthiness and financial standing.