23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 my daughter was seen at XXXX XXXX XXXX XXXX XXXX. They billed insurance for those services and insurance paid the amount they were supposed to. The full bill was then sent to a collection agency despite the fact that they had already been paid. The collection agency continued to try and collect the full amount from me despite being presented with documentation that the bill had been covered by insurance. I have been in contact with the debt collection agency numerous times about this issue but they are unwilling to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXXhas 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
Product: Debt collection

I tried calling and talking with Service Finance Company to send me a copy of my contract agreement on aroundXX/XX/2021. I talked with XXXX he refused to talk to me told me to call XXXX XXXX  the people that opened this loan in my name. I called XXXX XXXX talk with XXXX asked him for a break down of the equipment and the contract for the loan that is in dispute. They finally sent me a copy onXX/XX/21 and I cancelled the the contract the same day I received the contract. Stated by the NOTICE OF RIGHT TO CANCEL : ( 2 ) & ( 3 ) of the agreement.
Product: Mortgage

My wife went on unpaid XXXX XXXX in XX/XX/2022. I advised the loss mitigation department that I would be having trouble making the payments for the 3 months she was out of work. I've tried multiple times fixing the issue with loss mitigation and the process keeps getting started over. As of now i owe {$4300.00} and have been making on time payments since XX/XX/2022 XXXX
Product: Checking or savings account

I woke up on XX/XX/21 to an email of insufficient funds in our main checking account. In looking through the charges, I saw a check being processed for {$2500.00} that I did not write. It was written out to a person we don't know for {$2500.00} for " work payment '' in the memo line. That very check number was actually written by me for an amount of {$30.00} for yearly pet licenses and was placed in my mailbox to go out in the mail. The person must have stolen the check from our mailbox, washed the check, and rewrote it. The morning of discovery XXXX XX/XX/21 XXXX, I called our bank and submitted a fraud claim. I closed that checking account and opened a new one. I also filed a police report, as well as submitted a claim to the USPS for mail crime. Our banking institution is holding {$2500.00} total XXXX ( taken from my checking account and savings account ). I want my {$2500.00} back. I have college tuition due in 7 days and was planning on using most of that money towards our daughter 's tuition payment. 

I called our banking fraud claim department several times over the last 10 days to get an update and each time they had no information. This morning ( XX/XX/21 ) I called again and was told that the claim was closed and the representative said she did not know why this happened. My {$2500.00} has not been returned. The representative filed a new fraud claim and said we had to start all over again and that it could take 60 days. She said there was nothing I could do to expedite this. I even physically went to our local banking branch this morning. The branch manager said he was sorry but there was nothing he could do to expedite this. We have been customers of this bank for 27 years and also have our mortgage with them. This is unacceptable. No reason was given why the first fraud claim was closed and who knows what will happen with this one. I want resolution and my {$2500.00} rightfully returned to me in a timely manner.
Product: Credit reporting or other personal consumer reports

All three Buereaus are reporting different number of accounts, open or closed, none of them are accurate. This must be corrected. 15 usc 1692. 15 usc 1681a, I have the right to dispute anything inaccurate. This has affected me a lot. I cant get a car or place to live, from the innacurate reporting. XXXX now says I dont have enough credit to be reported which is false XXXX and XXXX all have different amounts and accounts being reported as opens or closed. Some say open but are really closed. I also never received XXXX or XXXX forms from the companies. They charged off some accounts, which is a tax write off. They get paid and are still reporting fraud. Thank you. My names XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}
Product: Debt collection

An internet company, XXXX and credit collection company, Southwest Credit are trying to scam me for {$140.00} I do not owe. I have never had an account with XXXX. Those companies, with no notification to me, filed this debt on my credit record on XX/XX/XXXX. I learned about it on XX/XX/XXXX. I called SW Credit, they said it was a bill that I owed XXXX XXXX from XX/XX/XXXXand XXXX had purchased XXXX XXXX. I did have an internet account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I had a XXXX XXXX, my wife was a XXXX victim. After my XXXX we had to close our home and move into a XXXX home. 
XXXX XXXX was notified, the antenna and all internet equipment was shipped to them. The contract was cancelled, they sent a final bill. It was paid and we never received further correspondence from them. Then three years later, this appears on my credit report. My wife has XXXX XXXX. I am an XXXX year old XXXX XXXX XXXX XXXX XXXX  veteran, live alone on a fixed budget with little but my past memories. As a matter of decency, I would like this removed from my credit record.
Product: Mortgage

I applied for a mortgage at NewFi via XXXX XXXX XXXXXXXX. We had a 45 day escrow, the lender failed to produce disclosures. We got a 2 week extension. The vendor produced disclosures just 2 days before close. I was forced to start a new loan with a new lender to earn back the seller 's confidence and save the purchase. They were going to otherwise walk away with my deposit. 

NewFi and XXXX, however, now refuse to release my appraisal for over a week after I asked them to close my file intentionally jeopardizing my purchase for the 3rd time in the hopes I would keep my transaction with them which I have repeatedly said is not possible. 

My deposit and all the time and money spent on the deal are at stake. I paid for the appraisal out of pocket and am entitled to its transfer. This is beyond unprofessional or unethical. Buyers beware!
Product: Checking or savings account

XXXX XXXX. I received a text message XX/XX/22 from XXXX XXXX asking about a XXXX XXXX XXXX in XXXX Florida for $ XXXX reply yes if recognized or no if not- I responded no. Then I received a call from a man claiming to be XXXX XXXX XXXX with Wells Fargo XXXX XXXX the caller ID read WELLSFARGO ( XXXX ) XXXX. While on the phone with him, he sent me a text message with a link on it. I clicked on the link. The link opened and appeared to be a Wells Fargo page to enter info. Among the questions it asked for the pin # to which I told " XXXX, I'm not comfortable sharing this info '', he was unfazed and said he understands and that's ok & that he could gain access a different way. Then, he sent me the an " XXXX XXXX XXXX '' over text message and I read it to him. At that point he had access to my account and started asking which charges were legitimate. The only unrecognized transaction was the XXXX to XXXX XXXX. The call went on for 37 minutes with him sending me XXXX  more " XXXX XXXX Codes '' throughout while he led me to believe he cancelled the wire and claimed he was closing the account and sending me a new account and card. He said the money might leave the account briefly but to rest assured it would be re credited in the account in 1 day. Throughout this call I missed a call, caller ID read XXXX XXXX from XXXX. She left a message claiming to be XXXX with Wells Fargo XXXX XXXX XXXX and Asked to call her back as soon as possible. I never returned her call. After I got off the phone with " XXXX '' I went back to work for a bit maybe XXXX min to an hour. Then I decided to see if I could still log in to my business account. I was able to and that's when I got real worried because the account was supposed to be locked. At XXXX I called Wells Fargo XXXX XXXX and spoke with XXXX. After filling him in on details he instructed me to go to a Wells Fargo XXXX right away. I went to the XXXX XXXX branch XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and worked with a banker- XXXX XXXX and Wells Fargo XXXX XXXX XXXX phone to attempt to reverse the wire and change passwords. Now they say I wait XXXX business days to see if they can recoup my XXXX  in funds. I want to be clear- I never shared my sensitive info with anyone, I never initiated the money wire in any way. I made an attempt to stop it almost immediately. 
Update XXXX I got a call and a email from XXXX at Wells Fargo denying my claim. Also they said they are mailing me their evidence and I will receive it within 30 days.
Product: Debt collection

Company is re-aging this debt on my credit report. This account was closed 6 years ago and they are saying the account was past due as of XX/XX/XXXX. 

They are also showing it was open on my credit report in XXXX this account has been closed since XXXX. I want this account removed, The balance is incorrect and the credit agency is violating the law.
Product: Debt collection

This debt is not owed to UNITED REVENUE CORP by me. At no time have I ever owed any debt to UNITED REVENUE CORP . If this debt was originated with another debtor, it is the responsibility of that debtor to seek payment. To my knowledge the original debtor Texas XXXX XXXX has sold this debt to UNITED REVENUE CORP . If this is for a medical procedure or medical service that has been performed on my behalf, to sell this debt to the UNITED REVENUE CORP is a violation of HIPPA LAWS. And should be removed from my credit report. I have addressed this by disputing this with XXXX, who continues to erroneously report this account as a collection. And to date no satisfactory resolution has been implemented. I am a XXXX Veteran in a fixed income who has been negatively affected financially by the COVID-19 Pandemic. I will need this item removed from my report as it is in violation of my HIPPA rights concerning medically sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX through XX/XX/XXXX SLS approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, SLS approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; SLS approved me for a Permanent Modification in the amount of {$420.00} of which SLS scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as SLS Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; SLS reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to SLS in an attempt to speak to someone that could correct the negative credit reporting that SLS placed in my Credit File/Credit Report. The SLS System repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to SLS Representatives by telephone ; I sent a message to the SLS Online Message Center describing the negative credit reporting that SLS placed on my Credit Report/Credit File, but have not received a response from SLS.

My SLS Account is not delinquent, and is not 120 Days Late as SLS has listed in my Credit Report/Credit File. I am in a Permanent Modification with SLS and have not been late in making any of my Trial Period Modification and Permanent Modification Payments.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX  ( Account # XXXX ) This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached with XXXX  and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one XXXX  but XXXX  and Transunion have done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

Earlier this year I opened a secured credit card with Capital One after closing another account with a lower credit limit. The reason I closed the latter account was because Capital One constantly stopped me from being able to use my credit card because I was paying the balance on the card via my brokerage account. The first time the account in question was restricted by Capital One, I submitted them the paperwork to prove the account I was paying the card from was indeed an account owned by me. After waiting the two weeks to get the account unlocked, I continued to use it and pay the balance from the same account. 

Not much time passed and Capital One again locked my account from being used for the sole reason that I was paying the balance off. Instead of constantly proving my account was mine, I decided to close that account and open another one, this time a secured credit card. The security deposit for this credit card was {$840.00}, and I paid the balance from the same account, this time using the debit card associated with that account. Not too long after paying the balance on the card, Capital One again locked the account because they wanted to verify the account I was paying from was mine. I submitted the paperwork to them, again, to prove I was the account owner, and waited two weeks for them to validate it and unlock my credit card. After two weeks of having a locked credit card against which I had submitted an {$840.00} deposit, I decided to close the credit card. I had already gone through verifying the account I was paying from was indeed mine, but apparently Capital One decided to ignore that and have me jump through meaningless hoops to be able to use the credit card again. 

The credit card was closed on XXXX XX/XX/2021, I was told XXXX XXXX XXXX, XXXX  days after the card was closed, I would be sent a check for the security deposit, less the balance on the card ( {$35.00} ). No such check has been sent to me.
Product: Student loan

Navient overcharged the interest rate for the year. The interest paid was well above prior years despite a lower balance.
Product: Credit card or prepaid card

In addition to my previous complaint with Comenity, I have paid my bill in full and have a negative credit due to returns. No purchases have been made and they have not sent me a check for the $ owed to me. However they are still continuing to charge me INTEREST even though the account is paid and they owe me $ at this point. 

I called the customer service line and XXXX said it was because the account was in dispute. I don't understand how the company can charge interest when the account is fully PAID and they owe me {$36.00} already ( not even counting the amounts I disputed for the nonexistent billing/credit interest ).
Product: Credit reporting, credit repair services, or other personal consumer reports

there are Fruadulent inquireies on my account when i call i get transfered around when i tell them i have an FTC report and Police report they do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied with my bank for a credit card. My bank came back to me after they say they reviewed my credit report with XXXX and says that XXXX shows " unresolved disputes '' on three of my previous accounts : XXXX XXXX, XXXX XXXX and CITI/CBNA. So I decided to review my own credit report through my XXXX account, and all of those accounts, as well as all of my other accounts show closed/paid as agreed/never late. 

So, though my bank states that I should dispute what they say are unresolved disputes, when I look at the credit report, it does not state that at all - it shows the opposite - paid as agreed/never late. Since on my side of the XXXX web page it shows the truth, there is no way to dispute what my bank, XXXX XXXX, states they see when they pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

Someone opened an XXXX XXXX XXXX  account in my name in a city I have never lived in. I have repeatedly told the company and disputed the charge but they have not closed it. I have filed police reports, provided proof that I have never lived at the address they have listed, and I've never even lived in XXXX, OH. This account is still open, still on my report, and now they are threatening court action. I have had the same cellphone and carrier in XXXX, OH since 2003. I have no idea who used my information to open an account in another city but I am at my wits end trying to prove it is not me.
Product: Debt collection

XXXX XXXX XXXX has a collection on my credit for {$6400.00} in which I have no idea what it is for. They did not notify me, If this is my alleged debt, that they had the debt and it needed to be settled in the first place. I do not believe this is my debt.