23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I received a bill for an urgent care visit for my daughter. According to the bill insurance had n't paid and the entire balance was owed by me. I called the original creditor and asked them to bill XXXX XXXX as my daughter had insurance. They said they would. Every month I received another bill and I would call again and ask them to re-bill. I eventually recienved a bill and a collection report on my credit report for {$310.00} from XXXX XXXX XXXX/XXXX XXXX XXXX for the above date of service. I called them on XX/XX/XXXX and explained I did not owe this debt as my daughter was on XXXX and the visit was covered and eventually paid for by XXXX. I was told they emailed XXXX  XXXX ( the original creditor ) about removing the collection from my credit report because the account HAD been paid in full by the insurance company. I then called XXXX to follow up and was told by XXXX that it would be taken care of and off my credit in 30 days due to the fact XXXX XXXX had paid the bill in full and nothing was owed on the account. None of this was ever done. In XX/XX/XXXX I called XXXX XXXX to ask for the explanation of benefits showing the bill had been paid so I could send it to XXXX XXXX XXXX XXXX XXXX so they would stop reporting me monthly to the credit bureaus. The lady I talked to instead three way called them to tell them it had been paid and offered to mail them proof. XXXX was also on the line and apologized for the error and stated they would put in a request to have the debt paid in full and would no longer report. He said they report every Wednesday so it would be about a week for them to stop reporting and the bureaus would reflect that in 30 days. It has been well over 90 days since this conversation and they are still reporting monthly. I do not owe this debt, it has been paid in pull by the insurance company and I need them to remove this from my record. The conversation from XX/XX/XXXX was all recorded my XXXX XXXX and could be made available by calling them.
Product: Mortgage

My mortgage company had not paid my XXXX taxes even though we have paid on time and can see all of the money is sitting in escrow. Its a little over {$3000.00}. I have called repeatedly and told them if it is not paid by XX/XX/XXXX a lean will be put on my home and my credit score will be impacted. They said they most likely will not be paying the late taxes by that date and they can not speed up the process. I checked today XX/XX/XXXX and it is still not paid. So now I will be impacted for them not doing their job. If it is not taken care of in XXXX they can put our house up for sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... ..The credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX   and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is  complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....
Product: Student loan

This student loan was taken out in my name fraudulently I did not attend school the year the loan was disbursed. I was living in another state.
Product: Credit reporting or other personal consumer reports

I downloaded my credit report in XX/XX/XXXX and seen a lot of unauthorized inquiries I did not authorize 5 accounts I never had I got a police report sent it to all three credit bureaus as a identity theft and they took it off and it gotten right back put on the report XX/XX/XXXX Theres no investigation being done with XXXX, TransUnion, nor XXXX they are going off see say and all this has putting my life on hold do to financially grow for my family needs Ive been disputing and sending out my letters like I was supposed to in order to fix the problem and its a waste of time and money I need my financial freedom back please and thank you
Product: Credit card or prepaid card

I worked things out with the company and wasn't suppose to receive a 30 day late. XX/XX/XXXX & XX/XX/XXXX.
Product: Mortgage

I filed a claim with my HomeOwners Insurance in XX/XX/XXXX. They denied my claim and dropped me. So in order to get new homeowners Insurance I had to fix what needed to be fix out of my own pocket because my previous HomeOwners Insurance company dropped me and denied my claim. So I sued. I got my settlement check in XX/XX/XXXX and it was written to me and my Mortgage Company.  The Mortgage company decided to treat this like a claim and they are holding my money. Its not a claim its a settlement check from my old Homeowners Insurance Company and that was filed through the court system. I have waited all this time to get my money back for work that my HomeOwners insurance should have taken care of and now my mortgage company wont release my funds. They are turning a settlement into a claim. They wont release my funds and give me my money back. I have given them all the legal documents from the courts and they still refuse to return my money to me. I am in the process of a loan modification which I have paid on time with no issues. RushMore Loan only tries to make the consumer look bad yes, I was late on my mortgage and due for XX/XX/XXXX, and yes I am on a loan Modification which will be coming to an end XX/XX/XXXX. So why are my funds being monitored on a claim I filed with my Homeowners Insurance in XX/XX/XXXX. And why is this being treated like a claim when I never filed a claim with my Mortgage Company. They have no legal document of me filing a claim in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, NY XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Collection/Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXX  XXXX XX/XX/XXXX {$4900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$340.00} Late Payment XXXX XXXX XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Debt collection

According to the medical provider, my debt was turned over to a collections agency in XX/XX/XXXX. I DID NOT HEAR FROM THE COMPANY UNTIL I RECEIVED A NOTICE IN THE MAIL DATED XX/XX/XXXX. 

If the medical provider OR the debt collector had TIMELY reached out to me, I would have been able to give them the proper medical insurance information, and insurance would have handled it. But instead this debt collector PURPOSELY waited two years and five months to BEGIN pursing the debt. Because of this, my medical insurance will no longer pay, and I am forced to pay out of pocket to protect my pristine credit.

I am confident that I am not the only person that has been affected by this. If the insurance company handles the debt, then these debt collectors do not make money. However, if they purposely, improperly, and egregiously wait until the contractual statute has passed, then they can collection a portion of the debt owed directly from the consumer. This is FRAUD. This company should be sanctioned for their egregious behavior and have their business license revoked immediately.
Product: Debt collection

I sent out a letter to them because I couldn't get anyone on the phone, and Identity theft.gov said to send up a follow-up letter on XXXX XXXX, with my identity theft report. I got a letter from them say that they found that it was me. I have never use what they said i had use.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account for its misleading report, It is not authorized to fail to validate this reporting account as unverified information without providing any proof. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$1600.00} This complaint is a follow-up in line with my previous complaint dated XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint to dispute the accounts on my credit file that belong to my daughter. These accounts have been incorrectly reported on my credit file and are negatively affecting my creditworthiness. I request that these accounts be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. These accounts are not mine and should not be reported on my credit file. Their presence on my credit report is a clear violation of my rights under the FCRA. These are the accounts I am requesting you to please take off of my Credit File : XXXX XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00}. I have taken steps to verify that these accounts belong to my daughter. Therefore, I am requesting that the credit bureaus investigate these accounts and remove them from my credit file as soon as possible.
Product: Money transfer, virtual currency, or money service

Hello - Recently i got myself signed up with a remittance service called 'Instarem ' by providing my identity information ( DL/SSN/Address ) and relevant copies uploaded in the service portal.. After having bad customer service on some sign up related issues, i decided to exit out from the service.. I have not done any monetary business with the firm and it was just a sign up and personal information exchange till then.. 

Based on my decision to exit, i asked service company to immediately close my online account and purge all my identity related documents and information that are electronically held.. I insisted repeatedly many times but company 's support service kept on spinning the issue and unable to answer satisfactorily for the reason holding on to personal data despite of no monetary business.. I did not recall signing any consent form nor firm 's support service were able to direct me to the regulatory need that stipulates holding personal data for unforeseeable future.. They caused me immense stress having my personal information held hostage and wasted my time in follow ups back n forth I'm extremely nervous and do not approve my personal identity being under possession of a third party and in this case with the firm 'Instarem'.. I request CFPB to help me in going after to resolve my concerns and address my demand of getting my personal electronic data purged from systems Date of Issue : XX/XX/2019 Company Name : Instarem Company Type : Remittance Service Email communication exchanged with support team attached Thank you
Product: Credit card

I am being charged interest rate on purchases despite paying off my credit card on time.
Product: Mortgage

I made XXXX a month extra on my mortgage payments I asked it to be applied to my prinsible instead they held the money untill it reached XXXX my payment amount and applied it as a payment with escro and interest taken out so I should be several months ahead on my payment but no I was XXXX say late on my payment and I was charged a late fee then I started making payment every XXXX weeks so I wouldnt be late again but if my payment on say XXXX and XXXX th they would charge a late fee even know I was paying XXXX more than my payment amount and they are still holding money for XXXX month till it adds up to a payment the. Putting towards a payment instead of to principle like I asked
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a someone else 's bank of america credit card account on my XXXX credit report. That account is shown with status charge-off, which drag my credit score down. I was trying to fix this with XXXX  and bank of america. I submitted dispute to XXXX twice to have that account removed, both rejected with reason : " The company that reported the information has certified to XXXX  that the information is accurate. '' Called them multiple times, they always ask me to dispute this with bank of america. I called and disputed this to bank of america too and got a reply of " we have reported correctly to XXXX  please dispute with XXXX ''. I discovered this error on my report one year ago, these two companies pass the buck to each other and the issue still not resolved.
Product: Credit card

I received a check in the mail from Macy 's for {$25.00}. Attached to the check is a letter stating that it was discovered a credit is due to my account. It states, " However, given the current status of this account we are providing a refund of {$25.00}. '' I am unsure what that means. Do they actually owe a larger amount but have decided the status of my account dictates a lower settlement? 

In the attached letter they provide a tracking number and contact phone number. I contacted the number listed on the letter to inquire. They instructed me to call Macy 's with questions. 

Macy 's claims they have no record of check being issued and do n't know what I am talking about.
Product: Credit card

Cardholder deceased. Death certificate has been submitted multiple times. Phoned XXXX on XXXX and on XXXX spoke to XXXX XXXX and XXXX to cancel due to death . Citibank refuses to close account. So sad and so upset.
Product: Money transfer, virtual currency, or money service

An individual sent me money on Venmo on XX/XX/XXXX. On XX/XX/XXXX I was notified by Venmo that a chargeback case was opened because the sender stated they did not make the transaction via their financial institution. As requested, I provided Venmo with video of the sender making the transaction in my driveway along with messages between the sender and myself showing that she intended to make the transaction. I then reached out to the sender asking her what was going on and she told me that her CC info was stolen and her bank mistakenly recalled that transaction. On XX/XX/XXXX I was notified by Venmo that the senders financial institution decided in her favor. Venmo does not care that I have proof the sender made the transaction and all they have to say is that if I cant come to an amicable resolution with the sender I should contact law enforcement or legal counsel. And the sender is giving me the run around. Anyone with a modicum of common sense and morality can see that this should be between Venmo, the sender, and her financial institution. I should have no more involvement. I have done nothing wrong and have proved that. Venmo is stealing money from me.
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 XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights XXXX 

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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax show wrong information in one of my closed accounts. The are not available online neither by phone to clear the invalid credit increase in one of my credit account closed on 2017.
Product: Mortgage

I am having an issue with US Bank. I recently received my escrow analysis for the upcoming year XXXX. When looking at it I noticed that my projected amount for my insurance said {$1000.00} but in the actual column said {$0.00} but the future projected was {$1300.00} so I called and spoke to a representative after about XXXX minutes she came back on and said something to the effect of there was a payment made but we can only see it on our end. When I look down at all the payments in the past I dont see anywhere on that it says insurance I see county taxes and mortgage Insurance but not that. Again she just stated she can only see it on her end. I have a shortage amount of {$570.00} so they told me I have until XXXX to pay that off if I did not want it added to my mortgage payment so I had the representative on the phone and she told me where to pay it I did. I paid {$100.00} that was on a Saturday XX/XX/XXXX I looked on Monday XX/XX/XXXX at my account on Saturday I could see my Shortage amount but it was gone now and my payment does not say toward escrow it say toward Mortgage. When I called and asked why I could no longer see the Shortage amount and why my payment was not applied to my escrow shortage she replied that some wires got crossed but she would notify someone and have this fixed. She also could not give me a real reason why I could no longer see my shortage amount online anymore just that I could only see it on my escrow account analysis. I stated that I would like and should be able to see every payment that I make and where it is applied. She stated again they can see it on their end and just not mine. I asked was their someone else I could talk to about this issue and she stated no just the customer service representatives. I dont feel comfortable about this situation because this is my payment and my money I should be able to see where it is going not just take their word.
Product: Checking or savings account

I called several times in regards to disputes filed on my account that credit karma never filed and never completed even after I was told that they would begin the investigation I contacted credit karma on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also emailed credit karma in regards to the same ongoing not addressed disputes on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These disputes need to be processed immediately all of them were unauthorized transactions reported several times to credit karma and to date have not been investigated in anyway shape or form in direct violation of my consumer and banking rights. XX/XX/XXXX I spoke with XXXX a supervisor with credit karma who refused to help. Credit karma case number XXXX The unauthorized charges amount to over {$2000.00} + and there is a police report which I attempted several times to provide credit karma. Also credit karma intentionally and illegally doctored my bank statements in attempt to remove evidence of these illegal unauthorized transactions I have the original statements and credit karma intentionally assisted the theft of over {$2000.00} of my assets.
Product: Checking or savings account

XX/XX/XXXX prior to leaving town, I did my mobile deposit to pay bills as i have done over and over for 2 years. I received a TEXT as always that confirmed my {$10000.00} was deposited and {$8000.00} in bills were scheduled tfor Friday XX/XX/XXXX. No other communication was given, and I discovered this in error - and then panic! 

I was panicked and called 800 # - just to be told by " XXXX '' and then her supv " XXXX '' for 33 minutes that nothing could be done. I was read the policy several times and neither of these reps listened to the logic, or even dug in to see this is the same check for 2 years - then in addition i NEVER got a text saying magically your money is not NOT YOURS after 2 years of taking this deposit mobile over and over again. 

I in a panic had to find {$10000.00} and pulled from a suntrust credit card to simply quickly cover my expenses- this is a horrible feeling and zero support from truist - nothing at all about my panic or the financial impact to me if ALL OF THOSE BILLS were returned - i now have an advance fee of {$400.00} and i do not believe i need to pay this huge financial penalty to fix what truist refused to resolve!!! 

I was also told that a new Truist policy was implemented on holds after merger was complete, so i would have to deal with it- are you kidding me???
Product: Credit reporting or other personal consumer reports

Today, I noticed some inaccurate accounts on my credit report, and I have no clue why they are there. I check my report regularly, but this time, I found unexpected discrepancies. I attempted to refresh my browser, hoping it was a minor error, but the incorrect accounts remained. Because of this, I ask that the documents I provided be carefully examined so I can put this concern behind me.