23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In early 2019 I had an issue with a sore hip and pinched nerve in my lower back. I had numerous Dr visits, tests etc within the XXXX XXXX XXXX in the XXXX are of Wisconsin. Two days prior to leaving on a vacation, I had a XXXX XXXX in my XXXX and due to the quick scheduling my insurance company had not yet approved the procedure prior to me having it. I paid for the procedure in full on the day of service. A week or so later my insurance company approved the procedure and issued a payment. I never received a refund of the payment I made to them. Subsequently I had some additional Dr visits and XXXX XXXX  appointments. I made copay payments at the time of each service. 

I later received a notice from a collection agency ( Americollect Inc of XXXX WI ) that I owed {$200.00}. I called the billing office at the hospital requesting a complete accounting of charges and payments for 2019 and never was provided them. I made this request 4 separate times each time being promised that the records would be sent. The final time I was told that they can't provide the information because the account was turned over to collections. 

The collection agency has also refused to provide the information I have requested. I don't know what else I can do. I have told them that I will pay it if they can provide a complete accounting as my records indicate that I have overpaid amounts owed and in fact due a refund.
Product: Credit card or prepaid card

I opened a Home Depot Credit Card in XX/XX/2021 with a {$1000.00} purchase. I received a bill in late XXXX or early XXXX of {$1100.00}. I paid the bill in full. I received notification of late pays shortly after paying that bill, but used the card for another purchase of about {$810.00} and paid that balance in full. I called the number on the back of the card in XXXX and a nice young man told me he could credit me {$40.00} for late fees and we found that my address was incorrect. We changed my address. I asked him since the address was wrong and i was not getting statements, could he help me remove the 30 and 60 day late from my credit report and he checked and told me he could not, but I could dispute it. He did not sound sure so I called 2 more times. Both times I spoke with young ladies who were more sure of them selves and much more abrasive. Both ladies assured me they could not change the reporting to the bureaus because they were regulated by the government and FCRA and they had to report and report accurately. I went ahead and made disputes and I was denied. After the denials I did my research and found 15 USC 1666b covers the consumer in cases where statements are not sent to consumers and late payments can not be assessed. I am now writing to Home Depot Credit Services in the hopes they will be as serious about the USC when it favors me as they are when it favors them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Product: Credit reporting or other personal consumer reports

I noticed a bill experian added to my XXXX  account without my knowledge or authorization, called XXXX. I was unable to contact an experian representative and they ignored my requests for clarification. I received an email stating my credit score had been decreased significantly. When I checked the experian account, I found they removed all of my XXXX  bills without my knowledge or permission. They still have not told me how a random account was added, who added it, when, how and why. Something is very, very wrong and I can not get answers from this company. They should be shut down. They are destroying lives. It is not a joke. I am not a joke.
Product: Debt collection

This company Stern Recovery Services has placed several medical debts on my account for dates that in no way possible can be accurate, they are reaged by more than a year. This company and other fraudulent companies like it ILLEGALLY re-age debt to when they received the debt not the date of original delinquency which is required by law. Every filing they have on my credit report is federally illegal due to re-aging of debt. XXXX is guilty of ignoring disputes and marking them as accurate when they don't bother to investigate at all.
Product: Money transfer, virtual currency, or money service

Hello, My paypal account was locked and my funds my hold now I can not manage my account nor withdraw my money. I already contacted paypal for this matter but they said I did an unusual activity or something like that. I didnt do anything bad and now it is locked. I just wanted to withdraw my remaining funds at my paypal account XXXX XXXX
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the unfair business checking account fees that have been accumulated in my account. I have been a loyal customer of Bank of America for several years and have always maintained a good relationship with the bank. 

However, over the past few months, I have noticed that my checking account has been charged with numerous fees that I was not aware of. These fees have been accumulating without any prior notification or explanation from the bank, which has caused me great concern and frustration. 

I have tried to contact the bank to get an explanation for these fees, but I have not received any satisfactory response. I believe that I have been taken advantage of, and I want the money back that has been charged to my account unfairly. 

I am writing to you, the Consumer Financial Protection Bureau, in the hope that you can help me resolve this issue. I urge you to investigate this matter and take appropriate action against the bank to ensure that no other customers are subjected to such unfair business practices. 

I have attached copies of my account statements showing the fees that have been charged to my account without my knowledge or consent. I hope that you will take immediate action to help me recover my money and prevent this from happening to other customers in the future. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

Constantly texting and calling me. 
They have woken me up. Ive blocked their numbers and somehow still get texts from them
Product: Student loan

I filed a complaint with your office Case # XXXX. 

The case was closed due to the company responding. 

In their response letter they said if I had any further questions that I could contact : XXXX XXXX, Executive Office of Customer Advocacy, at XXXX. 

I left her two messages on her recording within the past two weeks and have yet to receive a return call. 

I feel Discover is using unfair loan practices in my case and are avoiding to return my calls. 

I would hope that perhaps this office can persuade a call back from her or any other Discover person in the Executive Office of Customer Advocacy. 

I know this office can not act directly on my behalf but I do feel it could further review their practice and determine if they are practicing unfair loan practices by referring to the practices I explained in my complaint. 

There explanation of my daughter 's debt to earnings ratio being to high at 22 % seems to be ridiculous. 

Or even better if they deem a lender that is not eligible to qualify to refinance and lower their rate is refused a cosigner? 

If they're truly concern is her inability to repay a loan why would they not want to accept a co-signer which gives the financial institution a greater protection on their loan? 

Perhaps because they know that the refinance would reduce their interest earnings. 

Sounds like an unfair loan practice that again should be looked into by the CFPB oppose to letting the financial institution continue oversee itself when their response makes no sense. 

Student Loans have a very high delinquency rate and financial institutions should treat those borrowers that are paying in a more fair or perhaps more legal loan practice.
Product: Debt collection

I received a summons that states I am being sued for an old credit card debt that the original company sold, and which I am unable to pay. 

I am XXXX, and my sole source of income is judgment-proof XXXX and Social Security. My XXXX is permanent, and there is no foreseeable change in my financial situation.
Product: Checking or savings account

My account had a feature that allowed monthly service fees to be waived and they were not doing that and or for overdrafts and was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three student loans reporting to my credit report. Two that are settled from XXXX. One that was opened in XXXX. The two that are closed are being reported accurately. The one I opened in XXXX is being reported as opened in XXXX, and is also listing all of my old late payments from the settled loans, from XXXX. This is a NEW loan and should not be reported as such. Currently these late payments are being reported twice, once under the new loan, and another under the old settled out loan. When I spoke to Great Lakes over a month and a half ago, the lady understood what I was saying and notated in my file that she recommended that I dispute the account with the credit bureaus. I did that. Fast forward to now, this information is still showing. Today I called Great Lakes again to follow up and they have zero answers other than to dispute again. 
The open loan was not opened in XXXX, I was never late on this account, it is being reported as " worst status 120 days late '' and three times 90 days late. I would like this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting. XXXX Account is listed as a charge-off for both Equifax and XXXX, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX using promotion code XXXX. I followed and met the requirements such as direct deposits totalling {$1000.00} within 60 days of account opening. I am still waiting for the {$400.00} to be deposited into my account.
Product: Credit reporting or other personal consumer reports

I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.
Product: Checking or savings account

Yesterday, XX/XX/2021 I was informed my Charles Schawb Checkings account with a balance around {$5300.00} was locked due to fraud suspicions I made a call twice provided my identity said I was cleared and the fraud department would be emailed and would reach out and today XX/XX/2021 I called again I got the same response nothing different and I havent received a call back or any emails
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNELNET Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNELNET Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNELNET Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNELNET Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDNELNET Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX & XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX V. XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

I paid my Macys Credit card off 2 times - the first time I paid it off in full. The next month they charged me another XXXX - then again the next month. I called and they stated that they would take care of it and pay it off. 8 months later I find out when I checked my credit they never did so. They kept charging my account XXXX - I have had this card since XXXX never had an issue until this year. I have never paid a bill late. Macys never sent me a notice about the account being pass due ever. I had to close the account and Macys still shows my status as Charged off / pass due and account paid. This dropped my credit score from XXXX to XXXX. I read on line that this is happening to a large number of clients. This is deceptive and additional charging to a credit card that has been paid off - if not out right fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 consumer 's disputed with EQUIFAX the accuracy of all accounts for US DEPT OF EDUCATION student loans. ALL LOANS ARE PAID IN FULL with a {$0.00} BALANCE. EQUIFAX still has not honored consumer 's request and updated the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information being reported on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit card or prepaid card

Good Morning, I have attempted to payoff a closed credit card account with ASPIRE since you last closed a claim for me in XXXX of this year. The company has continued with usurious fees and charges. On XX/XX/XXXX, I made a payment in the amount of {$150.00}. Today, I went online and spoke with three representatives altogether in an effort to close this account in its entirety as PAID IN FULL and receive a letter to that effect. 

I have had one misrepresentation after the other from this company. The latest text scripts provided as written documentation is attached. I am on the telephone with yet another representative now trying to pay this account in full and they are refusing a zero balance letter. 

UPDATE I have made in fact made the payment in full of {$170.00} as indicated in the chat documentation this morning. I have uploaded printouts of this documentation for your review. I did not, however include my checking account number though will provide this should you wish to contact me in a secure online environment. I was told by the representative that I will receive a zero balance letter within two days. 

This claim is being filed in an effort to establish the validity of a ZERO BALANCE PAID IN FULL status of this Aspire Credit card that ended in XXXX. 

Thank you in advance for your review and consideration, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I reported fraud on my banking accounts to USAA. They determined that I had had an account takeover which affected at least three checking accounts. I went through each account with the representative to identify the fraudulent activity which totaled over {$10000.00}. The representative said they were sending it to the fraud department and advised us to change all account usernames, passwords, and security questions, which we did. 

On the XXXX of XXXX I called to get an update. I had seen no correction in the accounts and had not been contacted. All the accounts were still locked. The representative found that nothing had been started but they werent sure why. They sent an inquiry to the fraud department and said it would take 3 days to get a response. 

About 4 days later I called again. This representative didnt see that anything had been done yet and sent another request for status and action to the fraud department. 

I waited another week and called again. The representative sought input from their supervisor but couldnt get any further status. 

Finally, on XX/XX/XXXX a representative called and said they were working on the accounts and would remove the fraudulent charges. It is now the XXXX of XXXX, over 5 weeks after I reported the issue and the accounts are still locked and the charges are still in place. 

During this time, I have accrued charges from other institutions because they couldnt process bill payments. I havent been able to access my paychecks which have been deposited and the checking department from USAA called trying g to collect the {$10000.00} from the bad check from me despite the accounts being locked and flagged for fraud/account takeover. 

The time to resolve the issue has been unacceptably long and I have been unable to get any status or explanation no matter how many times I call. XXXX  lack of action is now risking my credit score because I cant access my money to pay bills on time. I find the entire experience completely unacceptable. After 20 years with the same bank I now believe they have serious security issues that they are over their head with but that they are trying to hide it from their customers. I want this issue resolved now so I can secure my money with a trustworthy institution and avoid further financial damage to myself caused by USAAs inability to handle account intrusions and restore accounts after hacking and fraud.
Product: Credit reporting or other personal consumer reports

I contacted Barclays Bank Delaware to request specific information about my account ( # XXXX ), including the Date of First Delinquency, the Date of Last Payment, and the Date of Charge-Off. Additionally, I inquired if a Form 1099-C was issued for any canceled or written-off debt associated with this account. Despite my efforts, I have not received a response or the requested documentation.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted in XX/XX/XXXX to file taxes for XX/XX/XXXX. It was my error thought I completed on line. Filed with the Indiana Dept of Revenue ; no written response. Called, got hung up on, left messages no return calls, sent return in again, still no written XXXX from Internal Revenue Service, called again, was told putting hold on account, that did not happen. Got levy on personal bank account, rude people at both the Indiana XXXX, and Premier Credit. Not once contacted by Premier Credit, Indiana XXXX new dispute with amount owed. Claimed I did not send in XXXX and XXXX ; which I did both times. Basically, harassed by both
Product: Credit card

XXXX, not everyone gets this pre-approved XXXX XXXX offer. 

XXXX XXXX approved, youll have access to an additional line of credit with no annual fee, and can start earning unlimited cash back : 3 % cash back on dining, entertainment, popular streaming services and at grocery stores* 5 % cash back on hotels and rental cars booked through Capital One XXXX 1 % cash back on all other purchases XXXX! 0 % intro APR on purchases for 9 months with a 29.99 % variable APR after that. 





Variable APR is subject to change with the market based on the XXXX XXXX. 

This pre-approved SavorOne offer is available by following the redemption instructions indicated in this message and XXXX not be available if you try to redeem via another method. Other card offers XXXX be available elsewhere, including through capitalone.com, and XXXX have different terms. 
i did not ask for this card was curious as to what they were offering I did not know that it would be a HARD INQUIRY into my credit report that was not explained openly
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX performance Savings account. The deliberate obscurity and lack of transparency violated Consumer financial Protection Act ( CFPA ) and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises