23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX, I got admitted to this hospital in XXXX XXXX XXXX billed was {$16000.00}. I have provided my insurance card and my ID card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. The hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money. CAC FINANCIAL Corp. reported that I owe {$16000.00} to the credit beurea, it really took a hit in my credit report. I have contacted around XXXX XXXX and spoke to XXXX they said they transfer it over to XXXX XXXX. Called again on XX/XX/XXXX because on my credit report CAC Financial Corp is the one that reported it. Called CAC Financial, Spoke to XXXX, and explained the situation and Im willing to provide my insurance information, so they can collect the balance from my insurance. His response its more than 50 days the insurance will not pay for it. But I provided my insurance at the hospital. Its their mistake they didnt file the claim. XXXX said XXXX the XXXX will contact me shortly to discuss but never recieve a phone call from her. So my wife called following morning to speak to her. XXXX picked up and says to my wife, he cant discuss the account to my wife. My wife handed me the phone and I told XXXX, he can talk to my wife and discuss anything about my account. XXXX responds I need a written letter saying I authorized my wife to discuss about my account and he hung up the phone. I called right back, woman pick up the phone name XXXX, Asked for my name, before I even say anything she said I need a written letter before my wife can speak to them. Im calling for myself. This is Company is ridiculous. Even hospitals dont asks for written authorization to discuss health issues as long as I told them, they can discussed it with my wife and approved it, Even if its over the phone! I just wan na resolved this issues. They are making it so difficult and stressful. I have insurance, but they didnt send the claim and now expect me to pay {$16000.00}. How can I pay when I wasnt able to work and took me a year to recover. This really messed up my credit.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Experian, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy. 
To reinforce my request, I cite the case XXXX XXXX XXXX XXXX ( 1997 ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate.

It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity fraud and I've submitted my information
Product: Credit card or prepaid card

On XXXX I was notified by Citi bank fraud detection that someone was attempting to use my card at a XXXX XXXX XXXX and I notified them that I was Not making the purchase. After I was prompted to review my statements if any other purchases were on my statement besides the attempted purchase that was blocked. I discovered a fraudulent transaction that was made on XXXX in the amount of {$3200.00} at XXXX XXXX. I contacted Citi Bank to let them know of the second charge and they sent out a new card but said the charge was valid. I tried to contacted the merchant and discovered it was a fraudulent company that I cant even get an invoice to exam or any information about the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the bureaus.
Product: Credit card or prepaid card

I recently obtained a Raymour and Flanigan credit card through TD. I have not received a statement and am unaware if a payment is due or how to make a payment as i do not have an account number yet. I have attempted to register online to self service several times but am unable without an account number. I have tried to call customer service multiple times and am always on hold for at least 30 minutes before i give up. I waited one time over an hour and a half on hold with no answer. I have never been able to speak with a representative. Additionally i have emailed two separate addresses at TD and received very prompt responses to both giving me a phone number to call in order to receive assistance. In both cases the hold times were greater than 30 minutes and i was not ever able to reach a person. In one email interaction i asked for someone to call me back. That request was never addressed or fulfilled. At this time i am unaware of my payment amount, due date, or how to make the payment and i am concerned that my promotional financing will be impacted. While hold times can fluctuate, excessive hold times for multiple weeks with no workarounds are unacceptable.
Product: Checking or savings account

Since I have had Bank Of America I have been having fraudulent activity non stop.
Product: Bank account or service

Bank of America commits FELONY CRIMES AND OWES ME XXXX AS THE FEDERAL LAW DOES REQUIRE!!!!! READ IT AND READ IT AGAIN!!! AND SEE EVIDENCE This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America threatens me with extortion stating they will contract with chexsystems to promote negative information about me, this is a violation of my privacy and is another crime committed willfully and with intention!! 
Bank of America also MAKE A HUGE CONTRADICTION in their response saying they can not close an account then saying " they did '' close the account what a bunch of LIAR CRIMINALS, LIAR LIAR LIAR, CRIMINALS CRIMINALS CRIMINALS, EXTORTIONS, LIES, CONTRADICTIONS AND VIOLATIONS OF THE FEDERAL LAW, ALL RIGHT HERE XXXX EVIDENCE
Product: Credit card or prepaid card

Hello, XX/XX/2019 - I called Wells Fargo to learn about how I could apply my next payments for my Wells Fargo Business Card toward a {$600.00} cash advance. After I did the cash advance I learned the interest rate was 26 %. ( Wow ). 

The customer rep told me that all payments went toward the " lowest '' interest rate first. I challenged that as I felt it is unfair to the consumers. So I asked if I could make a directed payment to my cash advance and was told " no ''. My payments would go first to the finance changes and then 1 % of the balance, and the remainder would be split toward the cash advance and the other Purchases & Other Charges. 

I don't think this is fair. As a new small business owner, I was attracted to the XXXX percent finance charges for the first 9 months promotional period. I think the 26 % interest on cash advances should be highlighted as caution statements and maybe even as a flag on the ATM screen when making a cash advance decision. Kind of like the questions about " ATM fee charges '' before you make an ATM transaction.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2021 I received the following from PayPal, Inc - You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX There was no further explanation as to why my account was being stopped besides this. I was locked out by internet at phone at getting anymore details. Everything on this account is legitimate. I used a gmail, a debit card from my bank, my phone number and social security number. My account was verified with PayPal. I don't understand how they can decide to hold my money for 180 days. I want my money immediately. Paypal has no right to this money as I have done nothing wrong. If I have done something wrong they need to let me know what that is so I can attempt to fix it. I don't believe I have done anything to warrant this action by Paypal. If they don't want to do business with me, that is their choice, but they need to give me my hard legitimately earned money back right now.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXXXXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

This is now my XXXX time mailing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted XXXX multiple times informing you of this, and you too have failed to verify these inquiries
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have silver thing that is reporting on my credit file these items are not mine as I have tried to resolve this matter with the credit bureau I have collection agencies I should have no collection and reporting I have a apartment complex I have never lived in apartment I always lived at home with my parents I shouldnt have anything on my parade airport I would like all these items removed from my credit report and my credit file updated I have a credit card bill this on air this over {$1000.00} Ive never owned a credit card
Product: Credit reporting or other personal consumer reports

I have repeatedly over the course of many months requested a copy of the Purchase Agreement showing that LVNV Funding purchased the alleged debt from XXXX XXXX XXXX. Acct # XXXX ; Amt off : {$860.00} LVNV and Resurgent repeatedly misrepresent " verification '' in their unlawful responses ( including those to the CFPB ) by simply sending laser printed copies of statements without signatures allegedly from the account. This is not what I have requested. This is also not legal " verification '' of the debt. What I have requested ( and what I am entitled to ) is the legal Purchase Agreement to prove to me they have the right to enforce and collect this alleged debt. I wish to see proof they own the account, and review the terms of that Purchase Agreement, to ensure they are using accurate information in their currently unlawful practices. I RENEW MY DEMAND FOR A COPY OF THE PURCHASE AGREEMENT. They understand exactly what I am asking for. Yet the falsely pretend to be responsive to the CFPB by claiming they previously sent " verification '' to me. They have not sent any proof they own this account and have any legal standing to collect upon it. PLEASE DO NOT LET THIS COMPANY CLOSE THIS CASE AGAIN WITHOUT PROVIDING THE ACTUAL PURCHASE AGREEMENT REFERENCED ABOVE. I predict they will again mislead the CFPB unlawfully by claiming they have already " verified '' the debt with simple copies of statements, etc. This does not meet the legal standard to prove they own the debt. They continue to MISLEAD THE CFPB, and many consumers like me with falsified replies that fail to address the VERY SIMPLE REQUEST FOR THEIR PURCHASE AGREEMENT. Their ongoing fraud is a direct violation of the FCRA and FDCPA. I will continue to complain about this company until such time as they send me a copy of their legal Purchase Agreement. Until they prove their ownership of the debt, their negative credit reporting remains illegal and their illegal practices should be investigated. They knowingly engage in this type of fraud routinely as the victimize many consumers. I grant them permission to contact me if they wish for the limited purpose of assisting me in obtaining their Purchase Agreement and deleting their wrongful reporting from my credit reports.
Product: Credit card

I have 3 credit cards from US Bank. Changed my payment bank account to new bank account. But US Bank can't handle it at all. When i am trying to setup auto pay, I am getting this error : Our system isn't cooperating. Please try again. Our system isn't cooperating, Please try again. Talked to customer service on XXXX XX/XX/2023 during XXXX XXXX onwards. Later to supervisor. Nobody is of any help - in fact they don't know what are they talking about? 

Filed CPFB complaint " XXXX ''. They send me wrong instructions to setup automatic payment. Contacted XXXX at XXXX XXXX  Central times. 3 transfer and nothing done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Equifax, XXXX are reporting on my credit file a address that I have never lived nor do not currently, I gave no consent of any type update on addresses and have previously sent my State Id to confirm identity
Product: Student loan

I applied for deferment due to financial hardship and was denied even though I met the necessary financial requirements. Therefore, I defaulted because I was unable to repay my loan. This in turn affected my credit. After defaulting they offered me a 2 month deferment but only with the option of taking on the full payments again. I was unable to do that and now my credit has been affected and now my tax return will be affected this year as well.
Product: Credit card or prepaid card

I called Best Buy customer service today XX/XX/XXXX about the ( New ) Surprise amount Due, on the Paper Bill is {$650.00} XXXX due date = XX/XX/XXXX... XXXXXXXX XXXX person told me " Verbally '' that I must send {$1000.00} By XX/XX/XXXX, in order to make New payment arrangements... .This NEW BILL total is More than my Original Purchase Price!!!!!! I asked them Why, I owe this XXXX Now After paying Monthly for over ONE Year... They said it's Deferred interest, Which... ( was Not )... 
Explained to me Verbally, it's probably buried Somewhere in the small print. 
I asked cust. Svc Could this be Added to the back end of this account ( OR ) can I set up a " New '' secondary payment plan for the Deferred interest?? PLEASE NOTE : I'm XXXX XXXX XXXX, living on Social Security and I Can not afford to pay Any Lump Sum amount. 
I feel like I've been **Bamboozled!! 
The XXXX person told me their Lump Sum Payment was my ( " Only '' ) option ...,,, How is it possible that this is my One and ( " Only '' ) Option?? We should be able to find Some sort of Plan B, C, or D, solution that takes the needs of BOTH, parties into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I faxed a letter to TransUnion because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 2.  XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX  XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX On XXXX/XXXX/XXXX I faxed an additional letter to TransUnion because I noticed unauthorized and fraudulent credit inquiries made by 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. <P/>On XXXX/XXXX/XXXX I received a standard form letter stating why companies access credit information. <P/>On XXXX/XXXX/XXXX I faxed another letter requesting validation and documentation.
Product: Mortgage

Wells Fargo caused me and my family, irreparable harm by it's fraudulent foreclosure of our XXXX XXXX XXXX, XXXX XXXX XXXX, and disproportionately XXXX Homeowners, by Giving me a " Modification which I was in total complacence with, after paying as agreed, and then W.F created a false excuse, and started Foreclosure proceedings in XXXX. W.F is in " Breach of Contract made in a meeting that W.F requested, via a phone call to Rev. XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, where the meeting was held on XX/XX/XXXX. WF XXXX XXXX, and XXXX and 3 others in attendance contracted to do a " XXXX XXXX on my and the memberships filed complaints which never happened to this date. Sending the documented evidence to Wells Fargo and CFPB along with the letter from XXXX XXXXXXXX XXXX, XXXX of NJ XXXX XXXX, and demanding {$1.00} XXXX XXXX  in damages which are defined in her letter to Attorney General XXXX dated XX/XX/XXXX. 

Sincerely, submitted. 
XXXX XXXX
Product: Mortgage

I am XXXX XXXX and my wife is XXXX XXXX. We bought a property at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. We lost our property in a court procedure on XX/XX/XXXX. The bank that was in charge of the mortgage was XXXX XXXX. We summited all the documents required by them about this property. Eventually, XXXX merged with Freedom Mortgage. This property was paid in full by XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. ( XXXX ) XXXX XXXX and email : XXXX. After several calls with Freedom Mortgage and sending them the pay off documents, they still insisting on payment on the property loan. Instead of reviewing the documents that I sent to their litigation department they rather call almost every week to insist on payment.