23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX I had an emergency operation due to a slip and fall accident at XXXX XXXX. I was treated at the hospital by XXXX XXXX XXXX, MD. Due to the nature of the accident I hired an attorney in XX/XX/XXXX who began the process of a lawsuit. I received invoices from the hospital and others which I forwarded to my attorney, however, I never received a bill from XXXX XXXX XXXX, MD. Throughout the litigation process my attorney requested records from the doctor 's office and was notified that I was still in litigation and was awaiting a settlement. 

Finally in XX/XX/XXXX I received my settlement and contacted the doctor 's office to pay my bill. They told me that the bill had been sent to collections. I was completely shocked by this. I spoke with the doctor 's office and asked them why they sent me to collections when they knew I was in litigation and of course they could n't tell me why. I also asked them why I did not receive notice that I was being sent to collections, again no answer. I asked to pay the bill and they refused to take any payment. So I called the agency they hired ( PlusFour ) and tried to pay them. PlusFour also refused to take my payment because they wanted to collect close to {$3000.00} when the original bill was only {$1800.00}. A couple days later they served me with a lawsuit. I really feel taken advantage of. I was out of work due to my injuries and could not pay the bill, my wife is also very sick and is not working. I am trying to do the right thing here but it looks like it is backfiring on me. 

I also recently looked at my credit report and noticed that PlusFour pulled a hard inquiry on my credit report. I know that that they are not allowed to do that either.
Product: Credit card

I have a PayPal Credit Card. It has always been set up on automatic payments. This month, I just happened to pull up my statement and noticed it was past due and I was being charged a {$25.00} late fee. I contacted PayPal Credit customer service and was advised that automatic payments are only set up for a year and will drop after that time period. They advised that my auto payments must then be set up again. At no time was I ever notified that my credit card auto payment had been discontinued. Nor was this plainly stated at the time that I set it up on auto-pay. I feel very strongly that this is a deceptive practice and an attempt to get more money out of consumers. This is just wrong on so many levels and I wish to file an official complaint.
Product: Credit card or prepaid card

I was out of the country from XX/XX/XXXX to XX/XX/XXXX for my wedding. I was unaware of any balance owed on my card during this time. I was alerted of being 30+ days late through one of my credit monitoring accounts. As soon as I was warned, I contacted Bank of America immediately and paid off the balance in full. The rep I was speaking with informed me that it was reported to my credit and that theyd place a request to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent over {$350.00} to Lexington Law, they claimed they would repair my credit. They sent letters however they failed to deliver what the promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint.  ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a credit report from Equifax and since then I have been in severe duress. Given that there is an account on my report from XXXX XXXX XXXX - Account Number : XXXX. 

Regarding the confidentiality, accuracy, relevancy, and proper utilization of such information it is a violation of the Fair Credit Reporting Act permissible purpose provisions and my consumer privacy rights. 15 U.S. Code 1681b ( a ) states that consumer report agencies are strictly prohibited from using or obtaining consumer reports without a permissible purpose or my written consent.

Accordingly, under 15 U.S. Code 1681 ( a ) there is a need to ensure that all consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, accuracy, and a respect for the consumers right to privacy.

Furthermore, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate according to 15 U.S. Code 1681s2.

Pursuant to 15 U.S. Code 1681i ( 5 ) information that is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Student loan

I had been receiving calls for months from ECMC about bringing my student loan to current standings. Whenever I would call and attempt to work the issue out they would give me a link to a website to go to to electronically sign the papers with the last XXXX of my social. After multiple attempts at putting in my social it would lock me out. I would go through the process multiple times and explain to them the issue with no reason as to why I was n't able to log in and fix the problem. I continue to receive multiple calls a day from ECMC. Eventually I received paper work at my job for a wage garnishment. They have the wrong social security number and the wrong amount for my loan. When I called to tell them that they said y that I have to send them a copy of my social and it would take XXXX days for it to be updated in the system and in the mean time legal action would continue and I would keep receiving multiple calls daily. They could n't change it in the system or stop the harassment until I fixed their problem, their mistake. Absolutely unacceptable.
Product: Payday loan

Advanced Financial XXXX, TENNESSEE Issues : 1 - Charged fees or interest I did n't expect 2 - Ca n't stop lender from charging my bank account I 'm just VERY dissatisfied with their business practices with the XXXX and auto taking my payment 's when I 'm not set up for auto pay - customer service rep verified I was NOT set up as Auto Pay When I first got help from customer service due to my financial situation ( unemployed ) I was under the impression they were going to suspend the interest so what money I could pay at the time would take down the principle balance. As well as keep my account out of collections. I made reduced payments and it still went to interest with just a fraction going towards my principle.. My principle has only gone down about {$20.00} and I 've paid hundred 's of dollars over the past few months and I have not and refuse to not take any more money from this line of credit again. 

The other day ( XX/XX/XXXX ) They automatically took {$230.00} from my account the other day and as stated above I am verified as not on auto pay. On XX/XX/XXXX they auto pulled {$97.00} XXXX CST then another hour later they auto pulled again {$130.00} at XXXX. I had also just paid {$50.00} online about 2 weeks before. 

My account is behind but they know that due to my situation. 
They are kind of hard to deal with. I want the money they took from me back as I do n't think they have the right to auto pull payments if I 'm not set up and did n't give them permission to do so. 

The XXXX is predatory lending. They do n't explain the process and before you know it you are swimming in debt that does n't go down and they feel they are at liberty to take what they want. 

We can only work and make money so fast to keep up, and when they auto take money, it takes from being able to cover basic needs. 

VERY upset with this place, regret borrowing from them. I want resolution to my account. 

If you want any account and balance information please advise.
Product: Payday loan, title loan, or personal loan

I received a title loan in XXXX which was paid for, so I thought. I received something in the mail that says release of lien which is signed and dated as well as a power of attorney from a place called XXXX XXXX. I assumed this was the papers that were filed with the XXXX so that they could mail me my title back. I put them away forgetting about them eventually until an emergency arose about 3 weeks ago and I needed money quickly. I then realized that they never filed the proper paperwork with the XXXX so I spend 8 hours that day getting the correct forms needed for the XXXX to remove the lien. The XXXX called to verify everything and had them send her another release of lien and power of attorney to ensure they were legitament. they were so we removed the lien and then the new lienholder was assigned. Well, on XX/XX/XXXX I was in a shopping mall about 30 minutes away from my home, and realized there was a tow truck pulling up to my vehicle. i quickly ran outside to see what was going on. he advised me that he had an order to pick up my car. I called the police and they were very nice but advised me to let him take the car and to get with XXXX  XXXX as they were the only ones showing as lienholder on my title. I quickly called XXXX  XXXX, the new lienholder who assured me that they didn't order this. My first payment was not even due yet. I have since gotten the run around by this company who has given me 100 numbers to call and no one could help me. I finally was able to get a name of a company called select management group, who still as of today has my car. They are claiming that i fraudulently had their lien removed from my title, which is definately not true, so I sent them what they gave me. Not even 5 minutes after I sent them what XXXX XXXX had given me initially they called me asking to workout a deal. This time from a local branch called XXXX XXXX XXXX XXXX. They are claiming that I still owe them money and if I can give them {$1600.00} by next friday, then two more payments of {$1600.00} twice after that within a month, then they will give me back my car. The problem is they are no longer a lien on my car so how can they steal my car from me and not give it back? They are doing it and I feel helpless as though there is nothing I can do please help
Product: Mortgage

My ex-wife and I submitted paperwork, back in XXXX 2016, to Ocwen requesting a short sale of our condo due to several significant, long-term hardships including divorce, relocation out of state due to a family hardship, increased mortgage expenses and high medical expenses resulting from an ongoing health condition. Shortly after our first request was denied, several additional major hardships presented themselves -- loss of renters in our property thus taking away a significant portion of income, job instability and a major salary reduction due to a severe company financial crisis. The new monthly salary, in its entirety, does NOT even cover XXXX of the mortgage payment! This does n't even take into account obvious living expenses and obligations that need to be made each month. Despite these additional hardships and our monthly cash flow being grossly negative, we were denied a second time. We clearly meet the guidelines defined by the XXXX Program and yet Ocwen does nothing but categorically deny our application and refuses to negotiate the short sale of our property. Taking all of our hardships we are faced with combined with our available assets having been all but depleted and our inability to make a mortgage payment for the last few months, Ocwen still makes the absurd claim that us defaulting on the loan is NOT imminent. Not only is a default imminent but the reality is that it is inevitable. Based upon our dealings with Ocwen, lack of communication and the ludicrous decisions we have received from them, we assert that Ocwen is failing to give credence to the information we are submitting and is operating directly against the XXXX program. Additionally, our divorce decree stipulates the property must be sold, thus Ocwen is forcing us to continue to hold onto a joint asset indefinitely and directly degradating a court order. It is clear to us that Ocwen is operating their business in an unethical and fraudulent manner and this needs to be addressed. We respectfully request this be reviewed and the Ocwen approve our short sale application.
Product: Debt collection

On XXXX XX/XX/XXXX i sent a letter to the XXXX XXXX of XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance ( XXXX ) for {$120.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX of XXXX did in fact cash my check, and I have documents to prove it. The XXXX  XXXX of XXXX did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. 

Below is what was in the letter i sent to the Medical center of XXXX : Notice of Dispute and Settlement Dear The Medical Center of XXXX I, XXXX XXXX, disputing the entire balance on account number XXXX, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balance currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. 
By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balance payoff ), you are agreeing to settle any balance and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. 

If you do not agree to the amount on the check ( {$120.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. 
Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. 

Thank you XXXX XXXX
Product: Bank account or service

I have a checking account with Key Bank with over draft protection. The XXXX said my balance went below the balance and they put roughly {$1000.00} in my account. I am claiming the account never went negative and asked the bank to prove where and when that happened. The Bank has n never sent me any statements and it was n't until I went to on line banking that I found this out. The Bank has been deducting min payments out of my ch checking account and interest and annual fees. I have been trying to get the bank to responed since XX/XX/2016.
Product: Credit reporting or other personal consumer reports

Nelnet did NOT contact me about any students loans that were late or due. I woke up on Friday to notice that my credit score dropped XXXX points from a XXXX to the XXXX due to them reporting that I had 15 late payments past 90 days. I have no emails or missed calls regarding this.
Product: Credit card

XX/XX/XXXXXXXX  I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for 6 nights stayed in XXXX properties booked through XXXX. The reason I applied because I think the additional XXXX is attractive. 

XX/XX/XXXXXXXX  I booked through XXXX official site & stayed for 6 nights. But never got the XXXX points. 

XX/XX/XXXXXXXX  - XX/XX/XXXXXXXX  I talked to NINE ( 9 ) different agents for this matter. At first, I was told I need to wait for 8-12 weeks to get it. Then after 12 weeks, they opened & closed 2 cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. 

XX/XX/XXXXXXXX  I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be 6 different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with 6 paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within 1-2 days, I did everything he asked, but he never call back. 

XX/XX/XXXXXXXX  I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXXXXXX  and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 - 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 Bankruptcy - 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX bank XXXX # : XXXX, XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX was used by someone I do not know to purchase airline tickets. After sending in an affidavit stating that this was an unauthorized charge, the company rejected my fraud claim.
Product: Credit card

A payment that was submitted to PNC Bank on my credit card account in the amount of {$1100.00} on XX/XX/year> is being held by the bank until XX/XX/year>. The conversation consist with this office that a payment in the amount of {$520.00} was returned by my bank on XX/XX/year>. Since that time, I made XXXX additional payments to the account, {$850.00} on XX/XX/year> and {$650.00} on XX/XX/year>. Both of these payments were once again held and have been accepted and paid by my bank. My account with PNC Bank is current. Further, I have had this account for over XXXX  years and had never had a problem with any of my payments, with the exception of the one this past XXXX. However on other occasions, PNC Bank has actually lowered my credit limit ( for unknow reasons ) and now is holding my availability of credit on my card for an extraordinary amount of time. Transactions done online nowadays take no more than XXXX to XXXX working days to be processed. Lastly, PNC Bank will not discuss matters with regard to my account without providing them with a last transaction, last credit payment and the last XXXX numbers of the account ( even though the complete set of numbers were provided when the call was initiated ). These requirements seem overly exaggerated and I consider them discriminatory.