23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the Emergency Room at XXXX XXXX on XX/XX/XXXX and even though I provided my health insurance card information I started receiving invoices from the agency Credit Collection Services. During XXXX, I contacted XXXX XXXX Department on XX/XX/XXXX, XXXX and XXXX and they told me they sent the invoice to the health plan. After more than 1 year, I contacted XXXX Billing Department on XXXX and XX/XX/XXXX and informed Credit Collection Services was sending me invoices through mail for a bill that was paid by my health plan. The agent XXXX from XXXX XXXX Department told me that the issue was solved and that XXXX should not be sending more invoices to my house. On XX/XX/XXXX, I contacted Credit Collection Services and spoke with supervisor XXXX XXXX who told me my explanation of benefits wasn't enough because XXXX Faculty Physicians never removed the hold in my case. I explained XXXX XXXX that the explanation of benefits clearly shows that my health plan paid for the services and there was XXXX charges for copayment. On XX/XX/XXXX I contacted XXXX Billing Department again and agent XXXX told me that she was going to refer my case to her supervisor because the case was closed with CSC on XX/XX/XXXX. 

I can't believe after 1 year, the Credit Collection Services agency is sending me letters and telling me that I owe {$170.00}. I provided evidence through the portal www.ccspayment.com that shows I don't owe anything for copayment for the services provided on XX/XX/XXXX by XXXX Faculty Physicians. Also, when I called XXXX Billing Department they told me they close my case with CSC. 

XXXX XXXX DEPARTMENT XXXX CREDIT COLLECTION SERVICES XXXX
Product: Mortgage

This loan was over five years ago with Bank Of America. I finally managed to get a home loan modification with them but then they promptly sold my loan to another company with whom I have been making on time payments ever since.

I have asked and asked that the Bank Of America be taken off my credit report because at the time I fell in a hardship. My brother had died and I took in my mom who is the widow of a XXXX  XXXX vet. BOA refused to help me at all and I had to fight two years for the home loan modification. 

I have called and called about having this taken off my credit report due to hardship. Their customer service is very rude and refused to help me. 

I hired XXXX XXXX to help but they met with much the same response. 

All I want is this off my credit report. I really need help with this because every time I call in their customer service is quite rude to me. 
I no longer have the documents they should also have as it has been over five years.
Product: Student loan

The lender, XXXX, and it's private loan servicer, Mohela, denied my school misconduct application. 

I received a response to my school misconduct discharge application, on 3 private loans, stating that it was denied for 'A variety of factors are used in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ' The schools I attended committed blatant fraud as outlined in the numerous and clear personal and legal examples submitted in my school misconduct application paperwork, of over 500 pages citing numerous cases and personal grief. 

I am a full class member of the XXXX XXXX XXXXXXXX case that received full forgiveness of my public student loans this year, the lender could clearly see this within my paperwork as a reference.
Product: Credit card

I have had a citi bank simplicity card for 3 years and never made a late payment and always paid more than the minimum balance. I used this card when my wife and I moved to a our home and incurred an outstanding balance of about {$6800.00} dollars. I called to negotiate a lower interest rate and they gave me a 11.99 % rate and my minimum payment was {$130.00} so I began paying more than that, around {$200.00} dollars per month, however, what I was not told by the representative when I was given this rate is that it only lasted 12 months and all of sudden I am being charged {$130.00} per month in interest alone and I do not even use the credit card. I called to ask them to reduce the rate so that I could not pay that amount in interest and so I could pay the card off and I was told no and there was nothing they could do for me. I believe that this is unfair to a person who has paid them on time since I had the card and never been late and always have paid more than the minimum balance. I was passed along to person after person when I just recently called and asked to have the outrageous interest charges which this past month was {$130.00} and my monthly purchase amount ( which was a mistake by me ) was only {$40.00} that is 3 times that amount. Please help me stop this company from taking advantage of a person who only wants to pay what I owe them and end this situation.
Product: Debt collection

NCB Management Service called my husband on XXXX XXXX, 2017, about an alleged debt I owe and told my husband the name of the creditor, the amount of the debt, and last payment made to the alleged creditor. The debt collector also tried to get my husband to " take care '' of the debt. My husband asked if he was on the alleged debt, and he was told his is not. I called the number my husband gave me and instructed the debt collector not to contact my husband or any other third parties about the alleged debt. The representative claimed he could call whomever he wanted to discuss the alleged debt, then asked me to verify personal information. I refused, and told him I did not trust his tactics. He said he would transfer me to his supervisor. I waited on the line, but nobody ever came back on the line. The debt collector attempted to contact my husband again on XXXX XXXX, 2017. On the same day, I sent by email and certified mail a request for validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently the XXXX XXXX is reporting two late payments XX/XX/18 and XX/XX/18 for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing
Product: Mortgage

On XX/XX/2018 after documenting complaint # XXXX with the XXXX XXXX XXXX XXXX ; I received a letter from Select Portfolio Servicing , Inc . Proceeding to correct errors in my account, Select Portfolio Servicing , Inc. would be waiving late fees in the amount of {$1000.00} as of XX/XX/XXXX and I would see the update in my next monthly statement. 
As of the date of the letter the amount of my monthly bill was due for XXXX. 
On XX/XX/2018 I received another letter that was confusing. I have been paying {$930.00} for years and this letter stated that after they increased my payments to {$980.00} Select Portfolio Servicing , Inc. would be lowering these payments to {$940.00}. But how does that benefit me??? 
The letter also stated that Select Portfolio Servicing , Inc. did indeed over pay the property taxes. I explained that I have always paid them myself. But Select Portfolio Servicing, Inc. paid them anyway, In error, and now there is a big credit in my property tax account. 
Also on XX/XX/2018 I received a second letter that stated that I had no home owners insurance although I do. 
Shortly after the home owners insurance company attempted to cancel my insurance. 
Blessed, I have continued with home owners insurance without any lapse. 
More recently, I received a billing statement from Select Portfolio Servicing , Inc. that reflects an increase in fees and an additional sum of {$61.00} that I know nothing about along with an incorrect amount of total payments. 
If in XXXX Select Portfolio Servicing stated that I owed for XXXX. why does this billing statement reflect over 3 months behind? 
And why am I after all this time still paying 5 % or more interest when every other company is advising me that I should be charged 3 % or lower?
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and noticed I had fraudulent, unauthorized accounts on my credit report and I would like to have them removed immediately as they are hurting my ability to obtain credit. 

I have requested that all parties remove the unauthorized, fraudulent accounts from my credit report. 

I have requested that the company provide me with proof of a signed contract with my wet signature as proof that I am the one who owned and owes a debt to them. 
The company sent me in several letters stating there was an investigation of the account, that they've verified that the accounts belong to me and that I am responsible, but has failed to provide me with PROOF of a CONTRACT WITH MY WET SIGNATURE as I've requested several times along with proof of the individual ( s ) who they verified the accounts with, their license number to collect a debt, I have also provided the company with proof of my identity theft report. I no longer want to go back and forth with the company but to simply have the accounts removed from my credit report as the account was opened fraudulently and not authorized by me. Attached is a copy of my SS card and my identity theft report. Please delete the accounts indefinitely or I will go about everything legally and also be compensated in small claim court for what this has caused me.
Product: Credit card

On XX/XX/2023 I sent 6 certified return mail letters to the following companies Capitol One, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. My accounts were charged off but i was not sent my 1099-C form for cancellation of debts. They knowlingly did so and filed it as cancelled debt instead of sending my 1099-C forms to me. All of said companies have not sent me my requested documents immediately. 
You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income. There are exceptions and exclusions, such as bankruptcy and insolvency. See Pub. 4681, available at www.irs.gov/Pub4681, for more details. 
If an identifiable event has occurred but the debt has not actually been discharged, then include any discharged debt in your income in the year that it is actually discharged, unless an exception or exclusion applies to you in that year
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting or other personal consumer reports

To, whom it concern. I open another dispute with Transunion and I got a call back this morning saying that there looking into the case but it will be updated and I said how and why I reported this account fraud and sent in documents that was required, and I also told them that I never lived at XXXX XXXX XXXX that's the address attached to this account. So they said to send documents through you showing proof that I never lived at this address and once I send in the information send it westlake as well.
Product: Credit reporting or other personal consumer reports

The credit bureau XXXX XXXX XXXX has out dated in accurate items on my credit report.
Product: Mortgage

I have repeatedly called loan modification and told they are not able to talk to me. Per staff, they don't correspond or talk to customers. I guess they are too good for me or anyone. I called 40 times and nobody ever answers, it's a recording that is purposely used to hang up and say email they are too busy. Just utterly unprofessional but get agitated that this is upsetting and aggravates the customer. XXXX answers but can't talk to loan mitigation.
Product: Credit card or prepaid card

I responded to an AMEX platinum card offer. The promise was XXXX reward points if I spent {$6000.00} within 6 months. I met the criteria but was only awarded XXXX points. I reached out to customer service XXXX weeks ago to advise them that their conduct was against CA XXXX and reached out again last week to their Chairman, but have received no response I suspect I am not the only victim here I have all of the supporting documents
Product: Checking or savings account

On the night of XX/XX/XXXX, I went on my chase online banking app and it opened to a message that my account was locked and to call the customer service number provided to unlock it. I called the number immediately and was told that my account was not locked, but closed and that I was no longer able to do business with chase. When I asked why they would not give me any answer. When I asked for a balance of my account to make sure that all of my money was still there, they told me that I couldnt request my own balance from my account. When I asked for my money back I was told that I needed to go to the closest branch. The following morning I went to the chase branch at XXXX XXXX XXXX XXXX in XXXX. I was told to provide proof that I was receiving unemployment from XXXX. Not knowing why I had to do this to get my own money back, I still provided proof. They told me to wait for the documents to get to my profile and to call customer service again to see when and how I would receive my thousands of dollars trusted to this bank in my account. Today, XX/XX/XXXX, I called customer service to get my money sent to me. I was told that my account was under investigation but would not tell me why, they would not tell me the balance in my account so I could make sure I was getting back everything, they also were very unclear if I would get all of my money back. Then I was told after the investigation it would take 7 to 10 business days to get a cashiers check with the unknown remaining balance. In the middle of a global pandemic, when people need it most, they have taken every dollar I have hostage and have given me no reason for their actions.
Product: Debt collection

Hello, I have a collections account under my XXXX report from I C System trying to collect a debt for XXXX XXXX but I do not owe XXXX anything. 


I called to confirm and they couldn't identify any ties between my account and I C Systems. 

When i called and told I C Systems this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. 

They said I have to take it up with XXXX but XXXX told me to contact the CFPB to get it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report from equifax
Product: Credit reporting or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been mistakenly put into collections for bills that have been paid. I possess all receipts directly from my bank. Their service arrogantly refuses to accept that fact. When I try to talk to their collections people they tell me the conversation will be recorded. Therefore, I tell them I am recording the conversation as well to which they respond " We can not continue the call if it is recorded '' and hang up.I followed their " Billing Rights '' process and sent a letter in compliance on XXXX. To this day I have not been contacted to discuss the matter and trade documents. Their " Billing Rights '' process instructs " continue regular payments '' to which I have complied. It goes on to say " We can not report the amount as delinquent ''. However, the three credit bureaus have marked me as such. At this time late fees have added up to {$190.00} and rising. That is currently in dispute. I would like an accurate payoff figure dating to XXXX, that has deducted the payments made since then, and deducted all interest since then as well. I am ready and able to make such a payment. Also, they must remove all negative documents from each reporting agency ( XXXX, XXXX, XXXX  ). Following is the letter I sent on XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Farm Bank  XXXX XXXX  XXXX, Deposit New York, XXXX I sent my payment of {$50.00} to be received electronically on XXXX as I have always done. Payment is due on XXXX. On XXXX I received a message from my bank that the payment was not accepted. This is very odd as I have sent in payments in the exact same way for quite some time. 

I called State Farm on XXXX to determine what went wrong and was told that I had to send the money under account number ending in XXXX ( previously always sent in account ending in XXXX ). The operator insisted I give her my checking routing number to make the payment which I did. I was told there will be no charge for the transaction. I was also informed that the penalty will be waved. According to my bank, the check was cashed on XXXX. 

This month I have received several harassing phone calls from State Farm who would not tell me why they called because I told them the call is being recorded. 

Since then I have sent another {$50.00} electronic payment to be received on XXXX. My bank informed me that the payment was collected. There is another electronic payment scheduled for XXXX of {$50.00}. 

I have never missed a payment with anyone for any reason for at least the last 20 years. Please correct my account and send me an accurate account balance. I intend to pay this off in full and never do business with your service again. I believe interest charges should stop on XXXX as I was unable to get an accurate payoff figure from your service representatives. An immediate response is requested. 

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

I opted in a COVID-19 relief program under the Care Act and have accrued late payments.
Product: Mortgage

The problem is : I am trying to get Chase mortgage company to update their system. I filed for bankruptcy in 2011 and Chase never re affirm the loan. I reopen the bankruptcy case this year for the sole purpose of reaffirming the loan. After months of calling, writing and filing court extensions the reaffirmation was finally done. I want to sale my home, but every time I call to get a payoff they inform me that it will tak e 7 to  10 days because I am still under bankruptcy. I explained to them that my bankruptcy case is closed and that I have a copy from the count showing this. They stated that it will take up to 4 months to update their system. I have inform them that I do n't have 4 months because the underwriter will be calling them next week to get my payoff. I need my bankruptcy case closed in their system as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX sent XXXX SEPERATE bills to collection office of about XXXX $ XXXX $ EACH BILL for same appointment. I was not notified of these XXXX XXXX  medical bills and actually had paid a payment plan to this same doctors office prior to this that I had paid. To Have XXXX individual bills of XXXX $ from the same doctors office is INCORRECT and FRAUD to send to a collection agency. I am in the middle of buying a house and lost it because this caused my credit score to suddenly crash over XXXX points in the middle of me applying for a mortgage for the house I was looking at! This has got to be illegal abuse of the doctors office to send XXXX bills of XXXX $ each to a collection agency without even notifying me that this was owed. I would have easy paid that amount if I had known.
Product: Debt collection

I contacted Bridgecrest Acceptance Corporation on XX/XX/ and no one was able to answer any questions I have about this alleged debt they are attempting to collect. I spoke with XXXX and XXXX in the executive resolution department. They used obscene and profane language stating I was late on this alleged debt. I was told that XXXX in the compliance department was out of the office and would contact me on XXXX  however, I have heard from no one regarding this matter. They are practicing without a debt collectors license and I have proof from a government official that states I owe no such debt to this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of certain personal information from my credit report, which I believe is inaccurate and outdated. The information in question pertains to my previous address, phone number, and inaccurate names associated with my credit report. 

Below are the specific details of the disputed information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This address has pertained to a business : XXXX XXXX XXXXXXXX XXXX XXXX PA XXXXXXXX. 
RETAIL TRADE BUSINESS : XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am providing this dispute because the presence of inaccurate or outdated information on my credit report can have a negative impact on my financial well-being. I believe that it is crucial to maintain accurate and up-to-date credit information to ensure that my creditworthiness is assessed fairly and accurately. 

I respectfully request that the Consumer Financial Protection Bureau investigate and verify the accuracy of the information mentioned above. If it is determined that any of this information is indeed inaccurate or outdated, I kindly request its immediate removal from my credit report. 

I have enclosed copies of relevant documents that support my claim, including but not limited to utility bills, official documents, or other forms of proof that substantiate my correct address, phone number, and name ( s ). 

Please acknowledge receipt of this dispute in writing and provide me with a timeline for when I can expect a resolution. Your assistance in this matter is greatly appreciated, as it will help ensure the accuracy of my credit report and maintain the integrity of the credit reporting system. 

Thank you for your prompt attention to this matter. I look forward to your response.