23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I went to the emergency room at XXXX XXXX Hospital in XXXX County VA. In early XX/XX/XXXX, I received a bill for over {$3000.00} for services from XXXX XXXX XXXX ( XXXX ). 

My medical insurance provider told me not to pay the XXXX bill as it was a double-billing issue. XXXX sent the billed amount to a debt collector in XX/XX/XXXX and the amount in dispute was listed on my credit report as a collections. 

The issue was not with my medical insurance provider but with XXXX. XXXX was attempting to collect an amount not owed by me. My medical provider stated that XXXX was contractually bound to accept agreed upon payments for services rendered and nothing more.

I feel that there is an on-going fraudulent business practice by XXXX by trying to collect additional dollars for services covered ( and paid ) by medical insurance providers.

XXXX finally accepted payment in late XX/XX/XXXX by my medical insurance provider but not before I was hounded by dept collectors and a negative collections account was placed on my credit report.
Product: Credit reporting or other personal consumer reports

This is the XXXX complaint I filed this month.CFPB Complaint number XXXX for XXXX replied saying XXXX XXXX received and reviewed the complaint initiated by XXXX XXXX XXXX XXXX  XXXX  was unable to locate an account or transaction for XXXX based on the information provided. In order to continue to look into this matter further, XXXX  XXXX  kindly requests I provide the account number of the account in question. And if I have any further questions regarding their response, XXXX Customer Service XXXX, XXXX, directly at XXXX. I continue to recieve voicemails and no return call from XXXX. In my XXXX previous complaints I stated that I disputed this with the company XXXX many of times and with the XXXX. XXXX 'S response is they " don't have an account number ''. It's listed on my report, ( ALL XXXX CREDIT AGENCIES ) as ACCOUNT NUMBER XXXX with a {$XXXX} BALANCE. I've been reaching out to all three credit agencies and the collection agency since XX/XX/year> asking for XXXX verification of this debt else removal. I asked them to provide me with the following information : 1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. 2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name. 3. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. 4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. I filed a previous claims with XXXX at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information reporting. please investigate and update my report.
Product: Credit card or prepaid card

Back in XX/XX/XXXX I requested a {$2900.00} Balance Transfer be made to XXXX 's. <P/>I have been advised that this payment has been made to XXXX 's but they state that this payment has n't been made or at least not posted to my account ending in XXXX. <P/>I have requested on several occasions a copy of the payment so that I may forward this to XXXX 's to get this cleared up. <P/>It has been 4 almost 5 months and nothing but I am being charged this amount on my monthly statement as having been paid. <P/>I need to show proof to XXXX 's so they can get this payment posted and fees adjusted to my account.
Product: Vehicle loan or lease

So this is with Nissan Motor Acceptance. These people practice bad business and will lie and scam. I owed them XXXX  XXXX XXXX  left about {$500.00}, they charged off my account and told me I owed them this much. I called and paid, they used this XXXX matrix billing and a secret private line to take your bank information. After I paid for, they told me to call back in 21 days to check. I told them its already taken out of my bank, it should be in your system real soon. They claim that it wont show in their system in 3 days. So I was about to call them today is XX/XX/2022 and I notice they reported to the bureau on XX/XX/XXXX that I still owe them {$500.00} and its a charge off too! even though I paid {$510.00} because of the stupid {$3.00} fee. They even got my name wrong especially my middle name.They didnt report my full payoff amount in what I owed and now lie demanding to pay them {$500.00} again and Im sure its gon na happen again and again. They reported just few days ago that I didnt pay them even though I have the my bank statement and the receipt. Thats some crook practices. I never again ever want to do business with these folks, and never ever recommend anyone purchasing or financing from Nissan. They will lie and get you in trouble to make money off of you. These guys are absurd and full of XXXX. Dont recommend financing anything with them. They XXXX lie very good!
Product: Mortgage

Selene Finance is making it impossible to change escrow payments to myself. They want the request in " writing ''. And also they want a proof that I paid insurance and taxes when they have been paying them from the beginning as the escrow is currently in place. Please help cancel the escrow payments by my mortgage lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation. 

This is NOT my addresses : XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and never have been. 

These are NOT my account ( s ) : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax thinks it's funny to keep things on my credit that are no true, timely or just. I've been a victim of ID Theft in the past and Equifax is doing nothing to protect my consumer rights. The other 2 credit bureaus have permanently removed the accounts for my protection but Equifax is refusing too. Please help me with this matter ASAP as it is ruining my life and livelihood.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following information on my credit report is not associated with any transactions I have made or authorized. This is due to identity theft. Please remove this information from my credit report under section 605B of the Fair Credit Reporting Act and notify all relevant information furnishers. Despite having a credit freeze and a fraud alert in place, I discovered numerous discrepancies and accounts opened without my consent. My personal information was stolen during breaches at both Equifax and XXXX XXXX XXXX. I have filed an official report with identitytheft.gov and a police report with my local authorities.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. I was never provided with any contacts as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act convergent account number has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Initiated wire transfer withdrawal from Conbase/XXXX account for {$30000.00} on XXXX XXXX, XXXX to bank account. Amount was immediately debited from account. It is now XXXX XXXX and wire transfer has not been received. 

Phone support does not respond to transfer problems and refers them to email support. No response from email support to multiple requests. 

transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX Customer support requests : reference to XXXX # XXXX reference to XXXX # XXXX
Product: Debt collection

I was a XXXX and worked in " XXXX XXXX XXXX and XXXX '' on XXXX. I got a XXXX XXXX XXXX on XX/XX/XXXX. XXXX center sent me to " XXXX XXXX XXXX '' for XXXX XXXX to make sure I won't get any XXXX XXXX. I have " Texas Workers ' Compensation Work Status Report. '' I returned it to the XXXX center and HR said the bill would be paid by the XXXX  center. 

When I was trying to apply a per-approval for home mortgage this year. The lender told me that I had a " collection service '' record on my credit report. XXXX center said they paid the bill but the " XXXX XXXX '' said they didn't receive any money. I really don't know how to fix this mistake. I hope you could help me and fix my credit score. I appreciate that you read my words. Please help me : ( Thank you. 

Date of service : XX/XX/XXXX Invoice date : XX/XX/XXXX Amount : XXXX Actions that were taken by company : reported to collection service
Product: Debt collection

The original company that owned this debt was Capital One. 
I had a balance on the card and ran into financially issues and had to put the payments aside for a few months but the delinquency never populated onto my credit report. I thought that was odd. I had to call Capital One one day to see if I could work out a payment plan with them, They asked my information they said the information they had did not match what I was giving them. I told them the original card was placed in my name and my name only, Captial one said their was another name and address attached to this card. I told them if they can not tell me whom the other person was I would not take responsibility for the card. They told me they saw my name but another person was showing as the primary. I was not married and did not have children old enough. So I had no idea who the primary authorized user was that was placed on my card, and what they had charged on my card. After speaking with several people the management returned my call and informed me that they found me to be the original card holder and they were not sure how the other authorized user could have been added to my account without my permission. They said they would delete the other user. I specifically told them NOT TO DELETE the other user. I asked them to make notes on my account stating what had occurred they agreed to do so but would not discredit the balance. I told them that I refuse to pay for this debt years that Is not all of mine. My account was altered without my permission allowing another user to have access to my account and use my card. I discontinued payments on the card and fought the company several times telling them I refuse to be responsible for the entire debt they were telling me I now owed. After not seeing the credit card on my credit report for years the delinquency began to population there. Years passed and the SOL was in effect so I could no longer be sued, I thought all was done, until A company called me out of the blue stating they bought the debt. I explained the story to them and they agreed that they did not want to deal with it. It went back to Capital One, and XXXX XXXX bought the debt from Capital One .They call me all day long, send me letters. I have responded through credit reporting companies stating the debt is not mine. They respond back by sending my the credit card statements. They have not sent me any of the capital one notes that I asked by documented nor the recordings of the multiple phone calls that took place this is not expectable. They have told me I could not be sued but have issued a derogatory mark on my credit report. It is seriously effecting my credit and I would like to refinance my house. Other than hiring a lawyer I am not sure how else to handle this company and make them remove the derogatory mark.
Product: Debt collection

On XX/XX/2022, I was informed that Synchrony Bank filed a lawsuit against me. I am currently working with a Debt Consolidation company, and Legal Team who I have given POA to work with Synchrony and try and settle the debt. Synchrony has made no good faith efforts to work with my representation, instead, they file a lawsuit. Their current approach seems to deceptive and malicious, when I am trying to settle with them, and they are using the courts to get around a settlement and add more fees to me. 

This all seems to be blatant unfair and deceptive practices. I am looking to your agency to please help me as a consumer. Thank you for your help and time.
Product: Mortgage

My mortgage company ( Amerisave Mortgage Corp ) keeps on raising my escrow ( three times in the last year ). They say its because my insurance was raised and also they recently decided to start requiring me to have a reserve fund. While I strongly disagree with the reserve, I get that its the law. 

What I dont understand is why my mortgage company should be able to force me to put money into a reserve account that I dont get paid interest on? How can this be legal? I already dont get paid interest on my escrow account- which I think is absolute XXXX and should be illegal, but now they want more money (! ) and I dont get paid interest on that money? This is insane and there should be a law against it. 

How can they force me to give them money in which they make interest on?
Product: Vehicle loan or lease

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX employees XXXX  XXXX opened XX/XX/XXXX amount XXXX but the federal law states the social security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block.inc ) due to inadequate customer service and unfair practices which violate the customer financial protection act ( CFPA ) specifically, cash app failed to take timely and efficient measures to prevent and address fraud on their platform leaving My account vulnerable and unprotected.

Furthermore their dispute resolution process unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer ACT ( EFTA ) and regulation E. these Actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection/chargeoff or that I am ( 120 ) days late on the XXXX XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have attached a copy of my drivers license and SSN for identification purposes. ) I contacted XXXX XXXX and the representative I spoke with could not verify my name ; address ; phone number ; email or find any account number associated with my name. I requested they contact the credit bureaus and remove these items from my credit report. I was assured they would contact Equifax ; XXXX  and XXXX  and have these items removed however, this has yet to happen. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff and lates is seriously harming my credit score and these line items need to be removed. I have also contacted the bureaus to remove these items but have not been successful.
Product: Student loan

My loan was sold XXXX 2017 from XXXX XXXX XXXX to Navient. At that time, my loan payment increased from {$150.00} a month to now {$250.00}. I 'm struggling with the increase in monthly payments as I have a wife that can not work due her illness of XXXX XXXX. I 'm XXXX years old now  and I 'm trying to save money for my retirement and at this rate, this will still paying my student loan in my retirement years.
Product: Debt collection

Ideal collection Service & Recovery XXXX XXXX XXXX, XXXX, FL XXXX Phone number : ( XXXX ) XXXX Amount : {$3100.00} This company is in direct violation of the Fair credit reporting act. I have no contract with this company allowing them to report on my credit report and am REQUESTING THE ACCOUNT BE REMOVED IMMEDIATELY. 

They are in violation of section 604 and section 609 of the Fair Credit Reporting act. I send documents asking for permissible purpose with IDEAL COLLECTION SERVICE AND RECOVERY to which they were not able to provide. I also called and spoke to an associate on XX/XX/XXXX who was unable to provide any proof to me and disconnecting the call. She was unable to answer when I asked " if I have a contract with ICSR ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously paid this years ago but never got reported as paid. So I paid it again to XXXX with CCS Collections {$110.00}. This was text to me by XXXX with CCS Collections on Monday, XX/XX/2023, at XXXX am. 
As requested, you can call CREDIT COLLECTION SERVICES ( a debt collector ) @ XXXX, XXXX XXXX XXXX or visit csa.ccspayment.com. We are collecting {$110.00} for XXXX XXXX XXXXXXXX XXXX, Reference File # XXXX. To opt out, reply STOP. Never reported as paid, still on report.
Product: Debt collection

I recently received an alert that I have an account in collections on my credit report. This is an unknown account under my name.
Product: Credit reporting or other personal consumer reports

I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681n ( Civil Liability For Willful Noncompliance ). Also allowing my sold information to be placed on my report without my permission also with no knowledge of me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Consumer Loan

KIA Motors Finance is not reporting my payments information in a timely manner to the XXXX credit bureaus. There is a lapse of about three months until the report my payments information. This situation is affecting my credit score since my reports are showing more debt than what I actually owe to KIA Motors Finance. I contacted them in many opportunities and they refused to help me, saying that they are reporting the information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$10000.00} XXXX XXXX Account number : XXXX Balance : {$8400.00}