23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First, none of the provided choices for the second question matched my issue, so I chose " Debt was paid '' so I could go to the third question. My issue is with Revenue Recovery Corp collection agency. On XXXX I went to the XXXX, I was seen XXXX and the problem was fixed. My military insurance paid XXXX XXXX all but {$35.00} dollars on my account. Revenue Recovery Corp receives the debt and reports the debt on my credit report broken down into several accounts : {$2.00}, {$1.00}, {$1.00}, {$2.00}, {$2.00}, {$1.00}, {$21.00}. Each XXXX was turned in as an account. This was also done XX/XX/XXXX, my bill was broken down into an amount per x-ray and turned in as separate account, XXXX separate accounts, if my memory serves me right! This was XXXX account broken down and turned in on my credit report as several separate accounts!!!! This has effected my credit score negatively as well as my Life! It appears to have been done purposely to effect my credit report as to force me to pay. This was a single account and it should have been turned into my credit report as such. If it is not illegal, it should be!
Product: Credit reporting or other personal consumer reports

Purchased a vehicle from XXXX XXXX around XX/XX/year> when the credit was ran, it was authorized for XXXX XXXX only due to my preapproval. The dealer went behind my back and ran my credit through multiple lenders without my permission after me being specific that I already have preapproval to XXXX  XXXX I would like these inquiries from JP Morgan to be removed. Yes, I did intentionally normally signed a credit application with these dealer, but only for my credit to be run through a specific lender, which was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

THERE WAS A ERROR WITH A LATE PAYMENT IN XXXX AND XXXX OF 2020. BOTH MONTHS WERE MADE ON TIME RESULTING IN A LATE PAYMENT ON MY CREDIT REPORT. PLEASE CONTACT THE CREDIT BUREAUS AND UPDATE THIS INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian consumer report and it showed I had a bankruptcy on it. It showed US Bankruptcy Court TX, XXXX. I did not give any written consent to Experian to publish these. I know thats a violation of my consumer privacy. I sent Experian a certified letter on XXXX asking them to remove the bank bankruptcy. I sent a certified affidavit and another certified letter on XXXX showing Experian all the consumer rights that they have violated since I am a consumer.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply
Product: Mortgage

Hello I am contacting you on behalf of my XXXX year old grandmother. We have been dealing with 21st Mortgage on a loan modification and we were under a bankruptcy. The bankruptcy judge stated the the bank could work with us on a modification while under the bankruptcy. I have been trying to contract the bank for weeks and I was n't getting anyone who would talk to me. I finally reached someone today who told me that they could n't talk to me because of the bankruptcy. I informed them of the orders from the bankruptcy court and they told me that the sale date is on XXXX XXXX XXXX and they could n't review a modifaction package. I told the young lady that I had been calling for weeks and no one from the legal department would n't answer the phone. My grandmother has been in her home for 40 years and she has always paid her mortgage on time until she was put into a loan that she could n't afford. The loan was transferred about XXXX or XXXX times to different lenders every time I put in a loss mitigation package to the new lender the loan was sold again. The assignment are also out of order. And I even tried to ask 21st mortgage about some of the programs that are being offered to help home owners stay in their home. And they basically told me that they do n't participate in any of the programs. My grandma owes XXXX on her home but it 's only worth XXXX and they will not work with us on reducing the price. We desperately need some assistance. The loan number for 21st Mortgage is XXXX. In the past I 've spoken to XXXX XXXX, XXXX XXXX and today I spoke to XXXX at XXXX XXXX who is the head of the legal department and she is the one who informed today that they would not be working with us. My grandma can afford to pay {$1500.00} to {$2000.00} a month but her payments are {$2700.00} a month. And my grandma was in a XXXX from XXXX XXXX until late XXXX. And I explained everything to 21st mortgage and I also told them that I had an approval from an investor for the short sale but they would n't even review my grandmas loan for loss mitigatio. 

Thank you for understanding,
Product: Debt collection

Back in XXXX of XXXX I went to the emergency room in XXXX for an injury. I have medical from XXXX that I provided to them and then later informed my insurance about the visit. Im XXXX of XXXX I noticed that I was getting phone calls from Credit Management Company saying I owed money. I was shocked as every party involved had my information. Over the next 2 years theyd call me every other day for months and it would stop for maybe a month after I call them and then back to every other day. Id call them give them my insurance information or call my insurance for them to call XXXX. On XX/XX/XXXX my insurance has called them and they covered the debt. My insurance said that everything was done and I should be receiving any more calls. I called XXXX back in XXXX of XXXX after my insurance covered it because XXXX started to call me back. I spoke to XXXX XXXX who I believe to be the owner of the company to tell her shes XXXX  me and my insurance has given her my information. She claimed they never called and Im still in debt. Im still receiving calls today XX/XX/XXXX and they still claim I didnt pay the debt. When I looked up my right I saw that is illegal for her to charge a medical patient and when I looked up her name and company it comes up as spam
Product: Debt collection

This is the final warning before proceeding to legal action. Your ( Collection Professionals ' ) possession of my diagnostics and procedural data constitutes a breach and violation of XXXX laws. If this account if not removed immediately, private civil litigation will be pursued against you to recover damages. The document you provided as validation of said debt contains my private health information which have been highlighted. 

The term 'breach of security ' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010.

Please also be advised that this is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to press charges and or complaints with the XXXX on your XXXX violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that XXXX be time- barred as well as in violation of Wyoming XXXX WY ) medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

I have attached the evidence of your possession of my private health information below.
Product: Credit reporting, credit repair services, or other personal consumer reports

had 2 late payments due to covid 19 epidemic was laid off from work was late in XXXX of XXXX and XXXX of XXXX never missed any other payments trying to buy a home and late payments are really hurting XXXX XXXX account is now and always has been current with NO other late payments
Product: Debt collection

XXXX -** I visited XXXX XXXXXXXX & XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX for my dental check-up. However, the dental office did not disclose any pricing before the activity. They went ahead and charged me {$67.00} for a panoramic X-ray, of which I was not aware. At the same time, it was the first consultation which they claimed free, at the beginning of my consultation, as well as banners around the office. 

XXXX -** I contacted my insurance provider, XXXX, and they assured me that they had informed the dental office about the issue, assuring that the charge will be removed from my account due to the lack of prior pricing information. 

XXXX -** I received a call from a collection agent at XXXX XXXX XXXX XXXX claiming that I had an unresolved debt from the dental visit. However, I was not aware of the situation, assuming it had been resolved a year ago when my insurance assured me that they would address the charge. 

XXXX -** Upon revisiting the dental office and speaking over the phone, the representative from the dental office claimed to have adjusted the billing on my account. They removed the charge from my account as a courtesy, and they confirmed that NO billings had been sent to the collection agency. The representative from XXXX XXXX has assured me the billing was not sent to the collection and mentioned to me on the record there is no collection record as the collection record was not stated on the document. 

XXXX -** I received another call from the collection agency. We have gathered some information from the phone agent working for the collection : - **Collection Company : ** XXXX XXXX XXXX XXXX XXXX **Phone Agent Name : ** XXXX - **Phone Number : ** XXXX - **Company Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX **Source of the Amount : ** XXXX XXXX ( as mentioned above ) - **Dollar Amount : ** {$67.00} - **Collection Account Number : ** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX. I just called Comenity Bank asking them where the check is they notified CFPB about. After being transferred 5x, having to hang up and call back to repeat the process, the end result was a manager of the department getting rude with me, talking over me, stating, " I don't care what the response to CFPB was, we have cancelled the payment of XXXX and the check you already got for {$120.00} is all you're getting! '' In addition, the account is NOT closed to XXXX  for XXXX. The refunds they are sending me are being added back to the balance and the account is not closed despite their letters. 

Please re-open XXXX as their response is an out right LIE to you and to me. They have NOT sent me the check for XXXX -- they've in fact cancelled it. The letter dated XX/XX/XXXX showing they found the account for XXXX Fraudulent and set to XXXX and they would be contacting the bureaus to update this information -- they now tell me it is null and void -- doesn't exist. 

This company does not know what they are talking about. I have asked for original contract, proof of physical signature, recording by audio/phone of me asking for a line of credit and they refuse to send it to me. I don't need statements. I need what I am asking for!
Product: Debt collection

I viewed my credit report and noticed I C System reporting a balance of {$640.00} which I do not recall which is reporting on my XXXX, XXXX, and XXXX credit file. Id requested which a letter documentation bearing my signature which I am entitled to if the company claims Im the owner of this account. With failure to provide me this documentation is in violation of the FCRA. And this item should be removed immediately.
Product: Credit reporting or other personal consumer reports

I came across cfpb lawsuit complaint against Experian I feel I was negative impacted and hurting my chance at credit after receiving a response from my earlier disputes that the account was verified through E - Oscar verification machine
Product: Student loan

Fed Loan servicing advised me that I needed to consolidate my XXXX direct loans to Fed Loans to be eligible for the waiver for XXXX. I have paid on my loans since the program began in XXXX. I did receive loan forgiveness in XX/XX/XXXX, for which I am very grateful, but lost all overpayment eligibility with the unnecessary consolidation into Fed Loans. I am requesting Fed Loan retract the consolidation and/or update my eligibility date to XXXX. I would then be eligible for the 5 years of direct loan over payments from XXXX. This is a significant amount of money and bad advice from unqualified loan representatives have cost me thousands of dollars. I am requesting they get this issue expedited to a supervisor. There has to be a way to fix what they did wrong. They should be the experts in this new loan program, not me! I will continue to contact my state representatives as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB, send attached documents to Opportunity Finacial and XXXX credit bureau. Thank you!
Product: Debt collection

I have repeatedly requested that Quality Asset Recovery provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Debt collection

Original judgement 2014 bought from XXXX by Glasser & Glasser. Garnishments initiated. Continues to re-initiate garnishments during that time making payments made irrelevant. Example : amount owed $ XXXX made $ XXXX re-initiation of garnishments {$7100.00} attorney, {$590.00} judgement, {$93.00} garnishment. The newest garnishment filing is amount due $ XXXX payments made $ XXXX {$680.00} judgment/ {$7100.00} attorney/ {$93.00} garnishment. We are getting garnished {$800.00} a month and the money doesnt even go to paying off the judgment and it never will, it only covers everytime the have to re-apply for garnishment. We have paid well over the amount of the loan at this point. We tried to negotiate a settlement with them and was refinancing our house to get the money but when they found out we were refinancing they would no longer accept the negotiated amount of {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some inquiry on my credit account on XX/XX/2020. I called into there several times and still haven't gotten. Its been over 30 day and still haven't gotten anything down about the situations.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Student loan

( XXXX XXXX XXXX ) Account Number : *** To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XXXX XXXX weeks together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 


Please provide original master promissory note. Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$1300.00} derogatory mark from XXXX XXXX on my Equifax, according to XXXX XXXX, that was opened on XX/XX/XXXX. This is inaccurate reporting. The last time I had lab work done prior to XX/XX/XXXX, was in XXXX of XXXX. This should have been covered by my insurance XXXX Either way, I've received no bills for this lab work. 

I have tried to file this dispute with Equifax, but every time I attempt to log in online to dispute, I get the error message " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' Every time I call, I'm referred back to trying again online within a day or two, or that their " systems are down '' and to try calling back in a few hours. Sometimes they are " unable to verify my identity '' and won't let me proceed. 

I am tired of the cat-and-mouse game with Equifax. Because of them and inaccurate insurance reporting, my credit score is suffering. I'd like to get this dispute settled but I can not if I can't get past the first step of opening a dispute. Please advise.
Product: Student loan

Navient has changed my life in a drastic negative way. I am XXXX years old now. XXXX. I have been on XXXX since XXXX. Navient has continued to harass my mother XXXX and I at least XXXX times a day. They said that I currently owed XXXX in private student loans that I cosigned on for my education. I explained to them that I am on XXXX and I can not afford to pay anything. I also stated that I applied for XXXX Forgiveness for my Federal loans and asked if they could assist me in applying for a program like such for my private loans. I quote that the lady responded to me by saying, " I have never her of such a program and if there is one it would be a true act of XXXX if you get approved, we want our money. '' She also said I do n't care what you have, we will just keep coming after your mother and take all that she has because she is primary. '' Then she proceeded in laughing at me and hanging up the phone on me. I just screamed at the top of my lungs when I got off the phone with her and cried like a baby. There has also been a man calling everyday around the clock saying he is my personal account manager. He leaves nasty messages on my phone as well. I feel like my whole world is ending right in front of my eyes. When my mother took out the loans in XXXX I was XXXX of XXXX XXXX. She had no clue that this would happen to me or we would 've came up with a different route like training classes. XXXX I will be on XXXX for the rest of my life. My mother filed a complaint and was told that there is a forgiveness program out there for this circumstance. I do not believe my mother should be held accountable for this. I read on the Navient page that the only way my mother can get out of this is if XXXX. XXXX I have gone downhill beyond measure. I got married on XXXX/XXXX/XXXX and my mother could not afford to give me a big wedding so we got married in her living room. XXXX days before our wedding day Navient called me and let me know that they wanted {$700.00} a month or else they were going to start wage garnishments. My marriage has not been enjoyable at all. I thought I was finally going to be happy. XXXX I have had to change my XXXX over and over because of my XXXX. I was told by my XXXX to go back to school because I needed something to help my mind get back on track. That I what I did. I obtained my degree XXXX. XXXX I am receiving the proper help. These last XXXX months have been so hard because I feel like everything that I have worked so hard to build within myself is being taken away and broken down. My mother has another daughter a year older than me on XXXX with XXXX. Our family is struggling and we can not afford this. I promise I did not know this was going to happen. I need the forgiveness program on behalf of my mother and I. I need help or I 'm not going to survive. Please!!!
Product: Student loan

I recently made an overpayment on one of my loans, and specified that the overpayment be directed to my highest interest loan and not to advance my due date. However they processed the payment to advance my due date rather than billing me for my next full monthly payment. I noticed and am planning to pay off my loans in full to avoid any further difficulties. Their default was to advance my due date, which in effect makes it take longer to pay off my loans and allows them to charge me more interest over the long term. Moreover, this was despite the instructions that I explicitly gave them.
Product: Credit card or prepaid card

1. I did a chargeback to Capital One to fight a charge from a merchant who refused to honor a contracted refund guarantee 2. The merchant wrote back to Capital One arguing that the charge was correct ( with bogus paperwork that said nothing about the contract they breached and actually proving I qualify for a refund plus 50 % of investment which would amount to {$10000.00} ) 3. I submitted evidence of the contract and highlighted how they breached it by refusing a refund 4. Capital One ignored it and put the charge back on my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 
CFPB, I am filing this complaint so please don't send me form letter stating someone else did it for me. I have been trying for several months to get this account off from all 3 credit bureaus. There was a vacuum demonstration that I attended conducted by XXXX XXXX XXXX but somehow my credit was pulled without my verbal or written consent. I received the attached letter stating that I was not approved to purchase this overly priced vacuum but somehow this outrageous amount was sent to all 3 credit bureaus as collection. I have not signed anything authorizing a check or any purchase agreement or even receive the vacuum. I am asking for a full validation of this account as its not mine. Under FCRA, I am entitled to such request. Additionally, I need to know what right XXXX XXXX has the right to collect on this account under the Fair Credit and billing act. I believe XXXX XXXX XXXX fraudently submitted an application in my name. Even though it was denied and they continue to bill me for service not rendered. 

Disputed account XXXX XXXX XXXX Account number XXXX Original creditor : XXXX XXXX XXXX of this account is paid off Balance on XXXX XXXX, XXXX {$4600.00} I am in the process of filling a DOJ and FTC complaint for fraud