23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at Unity Health After Hours Clinic in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?
Product: Student loan

Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out
Product: Credit reporting or other personal consumer reports

My identity has been compromised and I have not received any information regarding what is going on with my identity, I have addresses and unknown phone numbers in my name that I never had. I also have some discrepencies as well in my credit report. I started this investigatin on XXXX and have not received any information regarding my identity being used. Therefore, their are things on my credit report that may not be mine.
Product: Payday loan, title loan, personal loan, or advance loan

I feel the loan is to expensive as of now I'm behind 3 months and I don't need them to take my car
Product: Mortgage

{$5900.00} owed for fee/other has showed up again on Ocwen Loan Servicing 's web-site. This is the third time in the last year. They have removed this XXXX other times. I am in the process of refinancing my mortgage and I believe that they are going to try to collect this amount in the pay-off. This amount is not in their pay-off quote and has never appeared in any statement. This is my XXXX complaint. Do I have to go to the AZ Attorney General?
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

My authorized user, XXXX XXXX purchased a full size outdoor shed for {$130.00} from XXXX *XXXX thinking we were taking advantage of XXXX sale on XX/XX/XXXX. I did not receive it by XX/XX/XXXX so contacted XXXX to ask them to contact merchant. They never responded so contacted my credit card XXXX and asked them to dispute. They give me provisional credit and ask me to supply proof of what I ordered. I faxed the email proof and they acknowledged that they received my proof for Case ID XXXX. On XX/XX/ XXXX sent a letter saying XXXX is outside of the permitted timeframes to continue the claim through the dispute process and that the chip was read and validated during the authorization process or the card was present and CVV confirmed. This was an online purchase. The merchant is a scammer as they were mailing small trinkets to our address and we thought they were just confirming our address before shipping a 11ft by 18.5 ft full size shed. I emailed the proof of what I ordered and never received. They refuse to credit my money and allowed these XXXX scammers to defraud Americans.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX with US Bank. I have returned the car almost 2 months back. Have not received the deposit / excess payment I have done of {$5500.00}. My account number is XXXX. My Name is XXXX XXXX.
Product: Debt collection

Amounts of {$690.00} AND {$710.00} from a company based in Texas called Law Offices MBA. The balance date was for XX/XX/2023 but I don't know when it's saying that I acquired the debt. Either way, I know that I did not acquire the debt because I have been extremely good about paying off anything that I get and also I've already reported my identity being stolen once before
Product: Checking or savings account

I filed a dispute with Truist over about {$85.00} of incidental charges against my account from a hotel in XXXX called the XXXX XXXX XXXX XXXX. I got a XXXX email from the hotel saying I was not supposed to have any of those charges but the charges remain on my account anyway and when I sent this info to Trust that didnt do XXXX about it. Why does it have to be so XXXX hard to simply dispute a XXXX transaction? The merchant sent me the proof but the bank dont do XXXX about it anyway. What a waste of time.
Product: Mortgage

I 've contacted Nationstar Mortgage on a number of occassions regarding my escrow account. Specifically, I am concerned that I am being charged mortgage insurance due to Nationstar 's negligence. The negligence is based on the appraisal that they ordered at the time I re-financed my mortgage. I understand that they contract an appraiser that is independent from the underwriting process, however, they should have qualified individuals on staff to determine if the appraisal they are considering is appropriate. First, Nationstar has a lien on XXXX separate properties with separte property index numbers. The appraiser combined XXXX properties and valued it as XXXX. By combining XXXX properties, the comps used to determine a value were not similar to my property. An additional issue was that they used foreclosed properties as comps. This type of property was not an indication of market value but distressed value. I 've researched this issue and it is in contravention to prudent appraisal guidelines. 
What is especially troubling is that the customer service departments ( general customer service, escrow department, etc. ) are not helpful and do not have the knowledge to handle my inquiry. After an over-extended period of holding, being transferred from department to another, and not knowing what " mortgage '' insurance is -- I somehow get disconnected. Regarding mortgage insurance, they continue to think that I am referring to property insurance. 
I understand that mortgage insurance is required on loans with an LTV higher than XXXX %. At the time I purchased my property this was, in fact, the case. However, the values are not being properly reflected. I have asked for another appraisal - one that values each property seperately and uses like-kind properties as an approriate comp. 
In my last contact with Nationstar, they informed me that I would be contacted by some representative from the appraisal department. I asked if this individual was an employee of Nationstar or an independent appraiser -- they were unable to discern the difference.
Product: Checking or savings account

Citi advertised a {$1500.00} bonus for opening an account, so I filled out the information to open an account online. I already have a credit card with Citi. 

I got an email on XX/XX/2022 with an application ID # XXXX but have not heard back. I responded to the email on XX/XX/XXXX " It's been a few weeks and I haven't heard back. What's going on? '' but have not received a response. 

I believe Citi is committing fraud, by advertising a large bonus for opening an account, then not opening the account.
Product: Checking or savings account

I am very aware Banks like XXXX XXXX XXXX and Wells Fargo having been doing the following. 
Currently, my complaint is with Wells Fargo because it is just really deceptive and fraudulent. 
When a debit is made it is automatically taken from the available balance but is listed as pending for a few days.That 's fine. BUT here is the problem,,,, they have been listing posted transactions for one date then they reshuffle the account to make the initially posted transaction date for another later date thus incurring overdraft charges. 
For example,, I made a purchase for {$210.00} on the XXXX,, It posted by the XXXX. I made a deposit on the XXXX for cash {$100.00}. My balance said $ XXXXThe next morning my account said - {$120.00} and that the purchase of {$210.00} was posted on the XXXX but was already posted on the XXXX. 
The online bank representative alleges it was listed as pending until the XXXX,, which is not true. As well,, he alleges merchants are given 30days to collect funds,, that also is fine but the deduction is already reflected in the balance and is not debited back into the account. 
I even was able to obtain a cash overdrawal of {$200.00} after the XXXX,, but had deposit of {$350.00} but was charged for that overdraft,, so they reshuffled again to take another overdraft fee. 

This is unethical,, a balance is a balance,, a posted item date can not be changed to a future date to incur overdraft charges,,, it is actually charging me for one item more than once.

Then they hide the reshuffles,, so that the latest one is what is seen,, they do not provide the previous reshuffled balances,, this is completely illegal,, I should be able to see ALL changed statements which reflect ALL the changes they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking my credit report an inaccurate info that i did authorize or consent to. I sent out letters to the company over 30 days ago and still havent got nothing. These accounts are hindering. it are keeping from gettin any type of loan. remove these items from my credit
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appeared on my credit report without my authorization. The inquiry was made without my authorization, and I have no record of initiating any credit application or transaction with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, Equifax, and Experian deleted and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Also due to the data breach from Equifax which also caused my information to be exposed. 

XXXX account XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX  Opened XXXX XX/XX/XXXX account # XXXX XXXX account # XXXX opened on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Debt collection

This company has called me after XXXX and before XXXX on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote a letter to Equifax, informing them of their delinquent investigation. I disputed the below account in XXXX of 2021. 
XXXX XXXX XXXX XXXX, XXXX MN XXXX Account # XXXX Amount {$840.00} I have multiple reports from XX/XX/2021 to XXXX that show that the investigation was not completed. I sent them a certified letter ( USPS tracking number XXXX ) dated XX/XX/XXXX informing them of the delinquent investigation, advising them to remove the account because per Federal regulations accounts must be investigated within 30 days. They did not do that. 

I followed up with an email to their XXXX office. I received an reply from their general customer service email that the information would not be removed. Please see all email attachments. Equifax did not complete the investigation in XXXX. My reports still say the " reinvestigation in process ( see attached )
Product: Money transfer, virtual currency, or money service

I lost my wallet that had my debit card in it. The debit card was linked to the cashapp service. I had wanted to close the cash app service but was told even with my social security number being given XXXX that I could not be verified as the account holder, I also gave my email address XXXX and have access to it. This is also linked to the account. I also know the password and cash id by heart. 

The cash app id is $ XXXX The email address to the account is : XXXX the social above is the one associated with account and is mine. 

I wish to close the account in its entirety have any money in the account returned to sender or given to me in form of check to this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is where I receive my mail and is my mothers address. 

They repeatedly stated that they could not give me their employee id number so I could use it during this complaint and that even with all information and knowing that my wallet was stolen and that I could not verify the numbers on the lost debit card or the last two transactions on the debit card both of which i dont know by heart and do not have access too they could not and would not close the Cash App account with cash id $ XXXX. 

My phone number is XXXX
Product: Mortgage

Previous complaint XXXX CFPB says it sent information to Federal trade commission XXXX XXXX enforcement, XX/XX/2022. I have not received any more information about my complaint. What should I do Now, What is the best way to contact FTC. THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX  SELF-REPORTED XXXX Balance : {$62.00} ; XXXX SELF-REPORTED XXXX Balance : {$14.00} ; XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$5.00} ; XXXX  SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX SELF-REPORTED XXXX Balance : {$130.00} ; XXXX  SELF-REPORTED XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} ; XXXX  XXXX Balance : {$95.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX
Product: Student loan

At the beginning of XX/XX/2016, my income was incorrectly calculated by FedLoan. Because of their error in calculations, my income-based monthly payment was approximately 3x higher than it should have been, and it was impossible for me to pay. When I contacted FedLoan, they told me that the only solution to the problem would be for them to conduct a review of the situation and try to sort it out. When I asked how long this would take, they said it could take up to 3 months after receiving additional paperwork from me ( paperwork I had already previously completed and submitted months before ). They also said I would have to pay the incorrectly calculated monthly payment ( & gt ; 25 % of my take-home pay for the month ). They asked for me to resubmit my proof of income, and they also made me complete ( AGAIN ) another income-based repayment enrollment request and mail it to them. I did all of this. Over a month later, I called for an update and there had been no progress. One individual I spoke to said that the additional paperwork I sent had been received, but had been incorrectly filed. Therefore, they needed me to send it again. Because I could not pay the incorrectly calculated monthly payment amount, they said my only option was to put my account into forbearance. Keep in mind, I had been making monthly payments on my loan since I graduated from school - NEVER putting them in forbearance or deferral. I filled out their paperwork a third time and submitted it. Over the next 4 months, I called FedLoan monthly to check in with them, wasting hours of time waiting on the phone. Over these 5 months, I had to put my account in temporary, monthly FORBEARANCE FOUR TIMES since they could not get their act together. ( 1 ) During this time, my student loans accrued & gt ; {$5000.00} in interest, which was not being paid down since I could not make the payments THEY incorrectly calculated on my account! ( 2 ) Furthermore, I missed out on & gt ; 5 payments that would have counted towards the 120 payments required for the Public Service Loan Forgiveness Program. ( 3 ) Finally, as I was not able to make my normal payments on my account, I wound up paying 50 % less on my loan than I did last year, which negatively impacted my tax return. All of this ONLY because it took FedLoan & gt ; 6 months to resolve a simple issue which was their fault. Who is going to compensate me financially and personally for the repercussions of their mistake? They certainly have n't, nor have they apologized, or improved any part of their customer service process.
Product: Credit card or prepaid card

American Express cancelled my account without any communication in XX/XX/2020 because I was not able to use the card during the Covid 19. I have XXXX reward points which worth more than {$800.00} was deleted from the account at the same time.
Product: Checking or savings account

Used drive thru ATM at Wells Fargo location : XXXX XXXX XXXX XXXX XXXX, CA XXXX United States Placed {$500.00} into ATM machine and ATM was not reading all of my bills so Pressed return all items. When it was returning the money, there was a jam and we had to force the last {$50.00} out. We counted the money and only {$400.00} was returned. So the ATM ate {$100.00}. This happened on XX/XX/2022 at around XXXX XXXX. The bank was closed so I called their claims department. They informed me the machine did not register any jams and it says I put in {$350.00} and got {$350.00} back. They denied my claim and said they will not be returning my money and will not be checking the cameras because it will not show the money I put in. I believe there was a discrepancy in their machine because it did not register the jam. They are denying to admit any fault here.
Product: Checking or savings account

Fifth Third Bank is violating my consumer rights by holding my private funds for a transaction that happened seven ( 7 ) years ago. This restriction on my account is a violation of 15 USC 1692 as well as 15 USC 1666d as the account and the balance thereof shall be handled according to the consumers discretion. I have notified them that I have been a victim of identity fraud and identity theft and any prior accounts were a result of this fraud and theft that has taken place. Fifth Third Bank shall release ALL my funds immediately in the same nature that it was deposited to my account and shall remove any restrictions to said account. As the account belongs to the consumer pursuant to 15 USC 1692h.
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX, it's bad plenty of recalls and I've received the information. And gotten those fixed, upon calling XXXX XXXX XXXX to inquire about anymore issues. Such as a XXXX XXXX. They told me " Yes there was a recall on it for your car, issued this date '' and I told them I never received that information or anything. And they Said " Well there's nothing we can do '' this is inappropriate and fraudulent behavior.