23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After a thorough review of my credit report, I have identified discrepancies in the reporting of late payments. I am disputing the inaccurate reporting of late payment information on my credit report for closed and settled accounts. The other bureaus were able to update their report accordingly. I am questioning the process of investigation you are conducting that is different from other bureaus. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there were late payments on the mentioned accounts, and I take full responsibility for the delays. However, I want to emphasize that the accounts have been closed and settled. The late payments occurred in the past, but I have since addressed and resolved these issues by closing and settling the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my XXXX service connected XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and XXXX  fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.
Product: Bank account or service

I can not get into my online banking with Chase. I call and they told me my debit card is no longer good for me to go to the bank and close the account because it show XXXX balance. I went and they want all this information Social Security card and job pay stub. They refuse to close out the account even though it 's a XXXX balance on it.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXXXXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, for a violation of the No Surprises Act. 

The patient in question is XXXX XXXX ( redacted for privacy ), who received services at the aforementioned medical facility on XX/XX/2022. The services rendered were under the medical codes : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

The issue began when XXXX XXXX went in for immunization. Prior to the appointment, the office staff verified that she was covered by our health insurance provider, XXXX. We even found the facility using our insurance 's website for " in network doctors ''. This verification reassured us that we would be covered for the services received and would not incur any unexpected charges. However, to our shock, we later received a denial letter from our insurance company and a surprise medical bill from the medical office, which amounted to a total of {$1100.00}. We appealed the denial decision with our insurance, but they provided documentation to show that they were not in network anymore. 

In an attempt to resolve the issue, we contacted both XXXX and the medical office, which led to a verbal agreement for a payment plan and a lowered bill in the range of {$700.00} - {$850.00}, to be paid in installments. We were even told that if we did not pay we would be sent to collections and then offered a " cash discount. '' As a result, we paid three installments, each worth {$140.00}, totaling {$430.00}. 

Unfortunately, I fell ill and was unable to make further monthly installments. In response, without any prior warning, the medical office sold my debt to a collection agency, Coachella Valley Collection Service, for an amount exceeding the previously agreed upon maximum sum of {$850.00}. 

This action, we believe, is in clear violation of the No Surprises Act. Despite our earnest attempts to honor the financial agreement we had entered into, the office not only reneged on the established payment plan but also escalated the issue by involving a collection agency, thereby negatively impacting our credit rating. 

In light of the above, we kindly request that the Consumer Financial Protection Bureau intervene on our behalf to investigate this issue and provide a resolution. We believe that XXXX XXXX XXXX XXXX XXXX should be held accountable for its actions, which are against the provisions of the No Surprises Act, and thus unfair to us as consumers. 

We appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX
Product: Checking or savings account

In spring XXXX I visited Wells Fargo bank in my mother 's home town with her to invoke a POA. The bank refused, and has continued to refuse to honor the POA because the POA has her full legal name used and her account of 14 years with this bank has a first initial and middle name. She no longer drives so her license is expired. Alternative forms of identification were offered and declined. I was able to set up an account with an alternative bank and also have representative payee status with Social Security but have no access to this account to manage payments, oversee or transfer funds, etc. She is not competent any longer. I also have a letter of incapacity from her memory care doctor. She is XXXX XXXX XXXX, in failing health and living in a XXXX home. I can not pay for her care and her medical bills are also going unpaid. I've escalated this through several customer care channels with the bank and the response has been the same. I have hired an attorney to initiate a court order but if this can be resolved before this step, I would be grateful.
Product: Debt collection

Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through Pressler and Pressler. 
I eventually called the number they gave me which was for Pressler and Pressler. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
Pressler and Pressler do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.
Product: Credit reporting or other personal consumer reports

I requested via XXXX XXXX that TransUnion remove the following : XXXX XXXX XXXX Last reported XX/XX/2023 {$6300.00} Open balance XXXX XXXX  does not provide a record of disputes to show proof of an accurate date for the 1st dispute for a fraudulent account. Upon noticing this, the 2nd dispute I photographed on XX/XX/2023. No action was taken nor a resolution given to me by either company. 

After XXXX separate disputes, XXXX for fraudulent account as well as an additional dispute for litigation against this account this account still reflects as accurate on my credit report. This is a violation of my personal privacy as well as my rights as a United States Citizen under [ 15 U.S.C. 1681 ].
Product: Student loan

I have three loans serviced with Navient and never received a letter or email that there was a such thing as the School Misconduct Discharge application. All this time I was struggling to payback these loans and I was eligible to get my loans discharged. I found out about the application from a news article posted by an advocate group. I submitted my application on XX/XX/year> when I was about to pay off my loans. I attended XXXX University from XXXX and have been paying these loans ever since I graduated. I did get a response from navient that my loans were discharge for {$1500.00}. It would be nice to receive some of that money that I paid in to this loan due to the fact that I did attend XXXX and the lawsuits against them making me eligible for refunds paid to these loans and school totaling XXXX in loans plus accrued interest. To only be discharged {$1500.00} dollars is very unfair. Please consider that I have been working hard to pay back these loans.
Product: Credit card or prepaid card

On XX/XX/XXXX, I lost my wallet and an unauthorized individual, whom I don't know, used my debit card, and my credit card, to buy thousands of dollars in XXXX merchandise. There were other charges that never made it through because they were declined by both XXXX  XXXX XXXX and Chase, once they recognized that they were not within my normal shopping patterns. 

Hours after the incident, I reached out to the fraud departments of each respective company and filed a fraud claim. XXXX  XXXX XXXX, the bank I have my debit card with, reversed the fraud charge in the amount of {$4900.00} very quickly with no issues after I gave them my statement. 

Chase, however, did not. I called 6+ times to resolve it between XXXX and XXXX, and they just pushed me from department to department, asking me to email documents proving that XXXX reversed the charges. I obliged and sent the documents. No response from Chase. I did it again. Same result. I was getting automated emails saying that they would process the documents, but every time I called, they said I didn't send them and that I would have to try again. In total, I sent the documents twice, on XX/XX/XXXX and XX/XX/XXXX, after I found out that they closed the claim without sending me a letter or notification or anything. 

This is not a small amount of money, and I have had to pay the nearly {$4000.00} bill for the charge ( {$3800.00} to be exact ). I have gotten multiple letters saying that the charge was valid and that they were closing the claim since I sent the emails in. Every time I call, it's the same routine. Now, however, the fraud protection department won't even answer the phone, and whenever I call, it puts me through to someone, we talk for a couple minutes, and then they hang up in the middle. Every. Single. Time. 

This is so ridiculous for a company of Chase 's size, and it feels like they have no care whatsoever for solving my problem. I'm a small business owner and I can't afford to give away {$4000.00} dollars, but they refuse to do the bare minimum. I sick of this.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX ( s ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Late Date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

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 ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of 2022. 
16 CFR & 444.4- late charges It is illegal to report late payments without the person consent.
Product: Prepaid card

Received a {$300.00} American Express egiftcard which claims to be usable for 'online, telephone, mail order and participating physical merchant locations ;. 
The card worked once for a {$50.00} purchase and has been declined every time since then. I have tried multiple times over the past few weeks on XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX.I even called XXXX to see if they could enter the card # manually or load the balance to my XXXX account. They could not. 
Am Ex customer service has not had any solutions. They suggest that XXXX. I use the card after 24 hrs, ( did not work ) 2. use it in a physical store, etc. which is not their promise of online usability. 
3. use it at an online merchant who will not ask for my name and address but will ask for a CVV code. When asked which online merchants do that, they had no suggestions.

At this point, I would just like the cash from this card sent to me so I no longer have to deal with the hassle of trying to get this card to work. While I would like to think this is an unforeseen glitch, it is also a highly convenient one since I can imagine that some people will not have the time or energy to deal with this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps deleting an account from my credit and adding it right back on causing my score to decrease. It happened on XX/XX/XXXX as well as XX/XX/XXXX. I am aware that this is not allowed and I have to be notified in writing 5 days prior to it be added back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Checking or savings account

I'm writing in reference to my son 's checking account that I am on as authorized user with Wells Fargo. My son whom is XXXX yoa just graduated from high school this XX/XX/XXXX had his wallet stolen. I am very displeased with how WF has handled this case. My son 's account was comprised by thieves and now he is currently being punished for others crimes. I have called and written several times that my son nor I have authorized ANY transactions that occurred on XX/XX/2018. The transactions occurred online, ATM, and in a branch. Also, the locations of these transactions are over two hours away from where we live. I have requested repeatedly to have footage pulled to show fraud was committed. As well as look at the account history to show never have so many transactions occurred in one day.

Clearly WF should be able to tell that more than 5 transactions occurred from opening of two checking ( ending account # XXXX ) and savings accounts ( ending # XXXX ). These individuals were depositing, transferring, and withdrawing funds before anyone could catch this. Also, it was proven that checks were deposited with irregular signatures as well as third party names. None of those checks were written out in my son name or mine. Now the account is in negative status of over {$1500.00}. I have tried to handle this situation myself, but it seems I have not been able to get a fair resolution and being that WF does not believe or trust their own customers in trying to explain that we have been victims of financial fraud. It is evident that this day in time thieves are able to hack into someone personal business and life and destroy it and this is the case with our account. I have attached documents to show all the transactions that occurred on XX/XX/2018 as well as the checks that were deposited.
Product: Debt collection

This is from XXXX that I looked their website but I did not registered as their member. They are trying to collect debt from me that I did not registered with them and did not get their dvd or service, etc.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Checking or savings account

Hello Sir/Madam, I have several charges in my Chase account XXXX for last few months such as " insufficient funds fee '', as well as " incoming wire transfer fees ''. I was not given any disclosures, terms and conditions about those fees. 

They told me incoming domestic wire transfer is free when I opened the account. 

So I need them to provide disclosures about those fees that was given to me. If they don't have evidence of disclosure given please have them reverse those charges.
Product: Checking or savings account

I deposited a {$12000.00} check into TD Bank on XX/XX/20. Within 24 hrs my check was flagged a fraud. The check as been reviewed and cleared by XXXX XXXX XXXX  as cashed and by the pension fund via phone with TD Bank.
Product: Mortgage

I initiated a refinance effort in late XXXX, 2019. I expected the loan to close in early XXXX. I believed payoff on this loan was made timely by my new lender XXXX XXXX XXXX. Despite contacting Flagstar repeatedly asking for an update via chat, email, and phone, the Flagstar team could never confirm receipt of payment from my new lender. My new lender insisted that the payoff was sent, which was my reply as time wore on and Flagstar repeatedly called for a payment on XXXX mortgage. I informed every caller my new lender says the payment was sent and do you see anything on your side? Each time, the response I got was no payment received and once, It can take up to a month for payoffs to show. Having heard that, I was not particularly concerned that this was anything other than payments crossing in the mail. 
For 2 weeks, I showed an open balance on both the new lending institution ( XXXX ) and Flagstars respective online portals. I provided Flagstar the payoff wire code details from XXXX without prompting from Flagstar to get some movement on this. I never received any response from Flagstar regarding the payoff wire neither yes, we saw it, but or we dont have that transaction code in our system. NOTHING. 
I later learned that both Flagstar & XXXX paid the same homeowner insurance premium. On Flagstars side, that changed the escrow balance, and therefore changing the payoff amount. For that reason, when the payoff wire came in, it was inadequate to satisfy the loan in full, and was accordingly rejected the next day. Still no acknowledgment for the receipt or notification of the rejection from Flagstar. All the action and pursuit to resolve this was initiated by me and my lender reaching out to Flagstar. I never got any substantive information from Flagstar other than, your mortgage payment is late. Based on what Flagstar reps told me it could take up to a month, and both mortgage lenders showing a balanceI had every reason to expect this to get resolved with a little patience. 
When XXXX contacted Flagstar, they learned of the error. To address this, the updated payoff was recalculated by Flagstar, paid off by XXXX, and the subsequent loan closure was resolved quickly. 

I have called, written and emailed Flagstar to appeal their decision to file negative credit information about me. My argument is simple, what should I have done differently? What was my mistake? I have yet to receive an answer. I had two active loans should i have paid both? Does Flagstar have a responsibility to alert the borrower or the new lender about the rejected payment? They gave me incorrect information repeatedly when I proactively tried to fix this. Now, appealing this for my 5th time, Flagstar has rejected me again. This is totally unacceptable. They are penalizing my credit for THEIR mistake ( s )!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX XXXXXXXX, 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. 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