23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX - XXXX XXXX : I requested billing department, medical records department, and patient relations department at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for documents supporting the level of medical decision making required to justify the XXXX code billed. 

XXXX XX/XX/XXXX - I sent an email to XXXX patient disputes, disputing the CPT code entered and requested level of medical decision making required to bill the XXXX code. No response received. 

XXXX XX/XX/XXXX- I sent an email to XXXX patient disputes, again requesting level of medical decision making required to bill the XXXX code. No response received until XXXX XX/XX/XXXX. 

XXXX XX/XX/XXXX - XXXX patient disputes emailed me their first response, but did not provide the requested documentation. 

XXXX XX/XX/XXXX - I pointed out that they have not provided the requested documentation, and requested follow-up with proper document requested to justify the medical CPT code that was billed. 

XXXX XX/XX/XXXX- Credit Collection Services XXXX left a voice mail that my medical bill went to collections. 

XXXX XX/XX/XXXX - XXXX sent a letter to Credit Collection Services stating that my dispute with XXXX has not been resolved. 

XXXX XXXX - XXXX - I continued contacting XXXX XXXX XXXX XXXX in XXXX XXXX and Dignity Health for requested documents. 

XXXX XX/XX/XXXX - Credit Collection Services replied that they have verified the debt with XXXX XXXX XXXX XXXX, even though my dispute with XXXX has not been resolved. 

XXXX XX/XX/XXXX : I contacted Credit Collection Services to inform them that my dispute with XXXX XXXX XXXX XXXX and XXXX has not been resolved. 

XXXX XX/XX/XXXX : I contacted XXXX XXXX XXXX XXXX XXXX XXXX department informing them that I have not received any document justifying the level of medical decision making required to bill the XXXX code ( amounting {$2700.00} ) when they didn't order a single lab test or imaging, didn't provide a single prescription, and didn't provide any final diagnosis, and I already paid what they quoted me for the patient portion ( {$330.00} ). 

XXXX XX/XX/XXXX : I sent an email to XXXX XXXX patient disputes, stating that I have not received the requested documentation. 

XXXX XX/XX/XXXX : I received a phone call from XXXX XXXX during my work meeting. I let them know that I'll call them back. 

XXXX XX/XX/XXXX : I left voice message to XXXX XXXX after my work meeting. I received no response. 

XXXX XX/XX/XXXX : I left voice message to XXXX XXXX. I received no response. 

XXXX XX/XX/XXXX : I sent an email to XXXX XXXX patient disputes, stating that I have not received any response. I received no response. 

XXXX XX/XX/XXXX : I left a voice message to XXXX XXXX. I received no response. 

XXXX XX/XX/XXXX : Derogatory mark on credit report as Credit Collection Services reported to credit bureau despite my dispute with XXXX XXXX not having been resolved.
Product: Debt collection

i was contacted by Portfolio Recovery associates XX/XX/2016 stating they bought a debt from XXXX XXXX that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.
Product: Credit card

USBank has changed the benefits of their Club Carlson Visa. When I submitted my credit card application, XXXX of the benefits was a free night when redeeming points for XXXX night. This benefit has been removed effective XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an illegal reinsert of an account that was taken off my credit report that does not belong to me. The FCRA states that your information may not be reinserted onto your credit file by the credit reporting agency unless the information is indeed mines and the consumer reporting agency is required to send the consumer/myself a written notification within 5 business days that the account is being reinserted and I never received the notice at all. Here is the account : XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out to request your assistance in addressing an ongoing issue of inaccurate information reported on my credit report by the three major credit bureaus. Despite my efforts to resolve this matter directly with them, they continue to report a bankruptcy inaccurately, which I believe constitutes a violation of the Fair Credit Reporting Act. 

Recently, I contacted the bankruptcy court to inquire about the source of the information, as I suspected that the reporting was not based on any official communication. In response, the XXXX XXXX informed me that they do not provide any reporting to credit agencies. This confirmation indicates that the credit bureaus have been inaccurately reporting my bankruptcy status without verification, despite their claims that an investigation was conducted. It is apparent that the investigation they referenced was either insufficient or never actually occurred, leading me to believe that they have provided me with misleading information. 

Given this, I am requesting that the Consumer Financial Protection Bureau intervene to ensure that the credit bureaus immediately remove the erroneous bankruptcy information from my credit report. This incorrect reporting is causing significant harm to my creditworthiness and has impacted my financial well-being. 

Thank you very much for your time and attention to this matter. I am hopeful that, with your help, we can resolve this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX I called talked to someone at Sychrony Bank and they stated they did not need any additional information from me. 

I just want my record to reflect that I am seeking damages per : The Fair and Accurate Credit Transactions Act of 2003 ( FACT ) CFPB please document this as I will use my previously file cases as evidence of the violation. 

Thank you
Product: Debt collection

We turned in our lease to Volvo of XXXX in the summer of 2020 and to our surprise our final bill included {$210.00} in late fees, however we were never informed during the lease term that our account was being assessed late fees. ( additionally our credit report never showed that we were late during the lease term ) We have spoken with Volvo Car Financial Services a handful of times regarding this dispute, but nothing has been done to address our issues other than erroneously reporting inaccurate ( charge-off was reported ) information to the credit agencies. We explained to Volvo Car Financial Services that we show a correct balance of {$380.00} which we are prepared to pay in exchange for satisfaction of the loan and withdrawal of the charge off and any other negatively reported info previously and or that may be reported in the future. We hope that you may assist us so that we can avoid legal action versus Volvo Car Financial Services and any of there affiliated entities. Thank you in advance!
Product: Mortgage

This complaint is in reference to case number XXXX. The Trustee for Nationstar Mortgage XXXX And XXXX XXXX, has made the sale of my house public. The publications from XXXX different Attorney are attached for your perusal. I called Nationstar Mortgage yesterday, XXXX XXXX, 2015 and I was told that my HAMP Loan Modification is under review. The lady I spoke with, XXXX XXXX also acknowledge receipt of the XXXX page documents I faxed to Nationstar. These documents were asked for by Nationstar in order to proceed with my HAMP Loan Modification.
Product: Payday loan, title loan, or personal loan

Obtained list of lenders for home project. Was scammed by a lender called LightStream. They started by taking an application securing all of my and coapplicant personal data, address, phone numbers, emails, employment information, social security number, bank account information, offer a great APR then created some urgency just needing a bit more information a copy of our drivers licenses. Then approving and signing the loan agreement, they BAIT and SWITCH for more information asking for your credit card account numbers and details. Cant believe this is suppose to be a lender.
Product: Mortgage

Regarding the late reporting of my mortgage account with XXXX, I am disputing this record due to the fact that this was in fact paid. This should not report on my credit report as a 30 delinquent account for this reason. 
The reason this is reporting is due to the fact that my mortgage was sold From XXXX to Loan Care,  and during this transition period, it appears this got mixed up. 
I received confirmation that my payment was made and had been received from XXXX shortly after my payment was made. I later received information stating that my payment was not received and that I would have to wait until the transfer of the loan was processed before I could even make the payment. Emails sent to me direct from XXXX are below
Product: Debt collection

This Company has a history of trying to put stuff on the credit report of people they continue to do this to me all the time and I have to waste my time to dispute it on the credit bureau. I went to read their reviews and they are doing this same thing to a lot of people. They need to be stopped I have two good medical Insurance and I do not owe a medical bill anywhere this company is fraudulent. They like to try to put things on peoples credit report to try to get people to pay them they are fraud. trying to collect over {$1100.00} in payment. the name of the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number XXXX
Product: Credit card or prepaid card

This is in regards to XXXX and XXXX XXXX. A few months ago I paid off some older purchases that were coming up on the end of their promotional period ( or at least I thought I did ). However, when I went onto my account yesterday I found that I had several hefty finance charges. When I reached out to ask why, I was informed that they arbitrarily applied my payments ( over {$3400.00} ) to what they chose too and then hit me with {$800.00} worth of finance fees for the older purchases because the promotional time frame passed. At this point my entire outstanding balance consists of these fees. 

This is the automated response I received : " Please be informed that first, your payment gets applied to all unpaid fees that may be a part of your overall balance, and your scheduled payment. Then we apply the additional amount you paid to any balance being assessed interest. We credit the balance with the highest APR first, followed by promotional plan balances with the oldest end date. 
However, if you have a promotional plan ending within the next 2 billing cycles accruing interest, we will apply any amount paid above your minimum due to that plan first. ''
Product: Checking or savings account

Can't reach a live human agent robot chat doesn't assist me at all. Cant get Experian to link bank acct to get higher credit scores by bill pay rent utilities. can not reach a live person.. all phone numbers are a dead end!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that Ive marked as inaccurate are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to XXXX and XXXX on this account that is reporting on my credit report. This account has not been verified and a proper verification was not done by this company nor the bureaus which are advising the account is verified. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also XXXX is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. Both are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. I also file an FTC report and sent in as proof I was a victim of XXXX XXXX XXXX. Also late payments are not to be reported on a consumer file per 15 USC 1681 ( a ) ( 2 ). This is a charge off account and has been written off Per XXXX and XXXX and need to be removed as a 1099c was filed so per IRS this means it is " income '' and income can not be reported on consumer credit report. This account was also sold to Capital Management Services , LP but that is not indicated on my credit file but they continuously email me directly and harass me about a debt that is not mine advising they are a representative of XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are   XXXX  l oans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX is reporting inaccurate information on my credit report. I call the court and they told me they dont report Bankruptcy to the credit bureaus. All 3 bureaus is reporting fraud on my credit report and i would like these to be removed ASAP.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Current allowed XXXX to charge my card over XXXX XXXX I filed a dispute with current they informed a credit would be issued while the did their work. I have not heard from the bank. Every time i try to contact them the only way is chat. The deny me access to a manger or someone of hire authority. They promise call backs or emails absolutely nothing. This is insane and i need help.
Product: Vehicle loan or lease

In XXXX, I received a loan from XXXX XXXX XXXX for a XXXX XXXX XXXX. I paid off this loan in XXXX. In XXXX of XXXX, I received a lien release letter. My account number is/was XXXX. Name : XXXX XXXX To date, I have not received my car title. 

I have called XXXX finance now at least four times. Each time I call, Im told it will be resolved by a certain target date, but when I call back on that target date, it is not resolved. 

I believe I called on XX/XX/XXXX and XX/XX/XXXX. I am certain I also called on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX and XXXX ET. I dont have the names of all people I spoke with but I did speak with XXXX supervisor, XXXX XXXX XXXX 

I also called the XXXX Collector in Florida, who confirmed there is still a registered XXXX on my car, and that I can not get it released by just sending my XXXX release letter. The XXXX Collector told me Chase must send XXXX release information and has not sent them the information needed as of early XX/XX/XXXX. 

I purchased my car in Florida. I am XXXX XXXX military so I am now stationed in Virginia, but my home of record is still Florida. I am still a resident of Florida. I know Chase has my correct contact information because I received my XX/XX/XXXX XXXX release letter to my correct address in Virginia. 

Please provide FL with the information needed to release the XXXX on my vehicle and mail my title to : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you, XXXX XXXX
Product: Checking or savings account

On XXXX, XXXX XXXX on line opened a cd account with Capital One. On XXXX our bank transferred {$30000.00} to Capital One. Upon learning that the cd was a non-ira account and that Capital One would not or could not change the account to an ira account, XXXX closed the account on XXXX expecting the {$30000.00} to be transferred to our bank account immediately. We have not received the {$30000.00}. Talking to XXXX from Capital One on XXXX, he said some verification has to take before sending our money which they have back to us. He said to expect this my XXXX and that we might not get the money until XXXX. 

This is outrageous, the account is closed, they have our money and will not return it to us and they know where to send the funds which is the same place where it came from.. As far as I am concerned Capital One has an authorized usage of our money from XXXX until the time we get it. This is free money for them. This is my complaint. This is illegal, and if not, it should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XXXX/XXXX/2021
Product: Debt collection

I am being charged for an autho policy insurance that I got back in XX/XX/2021. The thing is they sold to me a misleading information or policy because I signed up to pay 1300 for an insurance annually which is like XXXX dollars a month ; that was supposed to include full coverage and other insurance. Later on, my rate was increased without letting me know. So I canceled the membership and request a refund. They gave a full refund and canceled the membership like in a week. I have the email of the person from triple A that canceled my membership they lied to me about the prices. Now after almost a year a third party is trying to collect XXXX dollars and XXXX dollars on behalf of triple A saying that I owed them when they clearly gave me a refund and didnt provide the service and on top of that lied to me. Because of them I lost my discount with my other insurance. I dont owe them anything now this agency sent me a letter and I called them and they didnt let me explain. The lady threatened me about damaging my credit and I think this is not fair because the service was canceled by they agency because the manager and agent who sold the insurance to me recognize she lied and changed the money I was supposed to pay. I have the emails and my bank statements staying the processed the refund for the money I paid.
Product: Mortgage

Ocwen has been sending me payoff quotes with incorrect ( double ) charges for interest and a ficticious " satisfaction cost '' of XXXX $ just to pay-off my loan. In none of my original loan documents is this a required cost. I would also note that on the previous payoff quote from last month the interest has approximately XXXX that of what it is now and greater than my current montly payment.
Product: Credit card or prepaid card

WAYFAIR MUST UPDATE MY NEW ADDRESS ON THE CARD AND ALL BUREAUS TO REFLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX
Product: Payday loan, title loan, or personal loan

Wells Fargo allowed someone to commit fraud in my account four months ago. It ruined my credit. They were absolutely useless and helping. I just received another loan that is fraudulent in the mail. I don't have the time or mental capacity to deal with this again.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found a number of inaccuracies, including unauthorized inquiries and accounts with creditors and lenders that I have never done business with. I disputed the inaccurate information with Experian, XXXX, and XXXX, but I have not received any feedback from them despite it having been over 30 days since I sent them letters requesting investigations.