23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving a bill from XXXX medical center for over a year now for case # XXXX in the amount of {$480.00}, I was covered by XXXX XXXX which is a XXXX program in the state of Connecticut who provides insurance coverage, now I recently received a bill from CBCS collections agency for that amount which I should have not received. I spoke with a gentleman in the billing department at XXXX Hospital and advise him they need to be contact the collections agency and bill Connecticut XXXX.
Product: Credit card or prepaid card

Student loans reported to XXXX that I was behind more than 90 days on loans. they did this while I was supposed to be in forbearance. I talked to them and they upgrade my information on credit report. In the meantime, Upgrade puts a block on my credit line account/credit card. The email they sent to me does not say that the account is permanently closed. It says " Your account is currently ineligible for new draws. '' This is misleading. I called them to see when they would restore my line of credit, they tell me it is permanently closed. They give me a phone number to discuss my problem with XXXX. My account still states that I have available credit of {$2700.00}. It is not closed. I owe {$1200.00}. They even say in a banner on the account page, " Great News! 
You may qualify for a personal loan. Check your rates. '' All they had to tell me is that I was permanently abandoned from their company and Just pay off the balance, please. I would never have called to inquire about when the account would be available again or eligible for use again. And while I am talking to them they give me a phone number to XXXX even though I told them I had already disputed the information on the credit file and they changed it and the credit score when up.
Product: Credit card

On XXXX XXXX XXXX I was in XXXX XXXX. While at a social gathering, I left my bag unattended. Apparently, someone went into my bag and used a card reader to make a fraudulent medical charge using my chip. On XX/XX/XXXX, I noticed the charge and immediately contacted Citibank to report it fraudulent while the charge was still pending. However, around XX/XX/XXXX, I checked the dispute center on their website to see why my account had not been credited and it said " Your dispute is resolved and no credit has been issued. Customer Responsible. '' I have contacted them multiple times inquiring as to why and I was told it was being escalated and that someone would get back to me. After waiting four weeks for a response, I wrote them a letter stating that if someone did not get back to me regarding this charge, I was going to report it to the CFPB. I received a letter stating they were reopening the inquiry. However, as of XXXX XXXX XXXX, 2 months later, I still have not received a credit and have received no other communication from Citibank regarding this dispute. I did what I was supposed to do reporting the charge as fraudulent the day after it happened. They could have cancelled the charge and not paid it, but they didn't ( apparently ) and now are ( apparently ) holding me responsible for someone stealing my credit card information while I wasn't paying attention. I had no idea anything had been done as all my cards had been put back into my wallet as they were. These people charged every single credit card and debit card I had on me. I had to cancel all of my cards. 

I also filed a report on identitytheft.gov and filed a police report with my local police department. 

The letter I sent to Citibank on XX/XX/XXXX, the police report, and the identitytheft.gov report are all attached. Additionally, I am attaching a screen shot of of Citibank 's Fraud & Dispute center showing this item as " Customer Responsible, '' as well as the XX/XX/XXXX letter from Citi that they were looking into my dispute. But I received no further communication regarding the dispute except what appears on the screen shot I am sending. 

The charge appears on my credit card statement as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$330.00}. ''
Product: Debt collection

I have a loan with Conn 's. My payment is due on the XXXX of each month. I have told the company repeatedly that payment will be made by the end of each month, to coincide with my payday. The company has refused to change the due date for my payment, and this is the best I can do. Payment has been made before the cut off for late fee each month. Despite communicating with the company regarding my payment, they continue to call each and every month repeatedly from several different phone numbers, as well as send text messages, and emails. I have asked that they not contact me more than once a day. The contacts made in XXXX are as follows. I can pull records for prior months, if needed. X/XX/2017 @ XXXX XXXX - I received an email about my payment BEFORE payment was due on X/XX/2017 X/XX/2017 - I received two emails at XXXX XXXX  and XXXX XXXX, as well as 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX I answered the call at XXXX XXXX and asked that calls stop and let them know payment would be made by X/XX/2017. X/XX/2017 - I received 4 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received a text message at XXXX XXXX and 5 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/2017 - I received 3 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received an email at XXXX XXXX, a text message at XXXX XXXX, and 6 calls from phone number XXXX. Calls were at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX X/XX/2017 - I received 4 calls from phone number XXXX.Calls were at XXXX XXXX., XXXX XXXX, XXXX XXXX, and XXXX XXXX. X/XX/2017 - I made payment at XXXX XXXX I received a call from phone number XXXX at XXXX XXXX.
Product: Credit reporting, credit repair services, 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 : XXXX - Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX  - Acct # XXXX has violated my rights XXXX XXXX - Acct XXXX XXXX has violated my rights XXXX  - Acct # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

1

5 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a 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: Mortgage

I purchased my home in XX/XX/XXXX for $ XXXX. My situation is that the septic tank is built on my driveway and it is way too close to the house and it doesn't percolate. I have to have it emptied out every month or it will overflow back into the house where I live with my wife and my XXXX year old XXXX. This is a very stressful situation since we have to bleach everything all the time for the sake of our health. I stopped making payments to the bank in XX/XX/XXXX when I sued the bank because it doesn't comply with VA regulations health wise. After many, many changes of judges I took the case all the way to the Federal Supreme Court. There was a number assigned to my case however, there was not enough time on their agenda to see it through. There was an inspection from the VA and they noted in the documents that an inspection from the PR Health Department is needed and that the lender had ignored this situation and still moved forward with the closing. The EPA inspected the area and stated that the way the septic tank was built does not comply with the laws and regulations and it should be on the backyard away from the structure. XXXX inspected the area and recommended not to walk on the street due to the contamination since it will be brought into the house. The Department of Health of PR informed us after the inspection that the septic tank does not meet the requirements needed for any type of mortgage loan because it does not comply with PR laws. My house has lost its value to others in foreclosure for the same issue which are selling for $ XXXX. Yes, {$30000.00}! Please help.
Product: Debt collection

The original company XXXX XXXX is trying to collect on an incorrect amount, and has placed it on my credit, in addition to selling account to RS Clark and Associate XXXX in the amount of {$200.00}. I made the last payment in XX/XX/XXXX on the date of invoice for XXXX. I purchased new washer and dryer, and had asked them to please pick up lease XX/XX/XXXX. I only owe for XX/XX/XXXX, and possibly XX/XX/XXXX. the company took their time picking up merchandise, and still charged me until XXXX/XX/XX/XXXX. Please see all attachments. This incorrect derogatory collection has caused my XXXX score to decrease to XXXX.
Product: Debt collection

Portfolio Recovery Associates has failed to verify an alleged debt that they have listed on my credit reports after multiple attempts requesting a copy of the original contract with my wet signature or an assignment contract. I do however continue receive a bill from PRA for the alleged debt and that does not validate it. Portfolio Recovery Associates failure to properly validate violates the FDCPA.
Product: Mortgage

We paid off our mortgage in full more than twelve years ago ; however PHH Mortgage Services Corp has taken no steps to remove the lien on our home -- despite repeated requests to do so over the past five months .We have telephoned, e-mailed, FAXed and mailed requests all to no avail. We are an elderly couple in poor health and want to be able to sell our home. PHH 's conduct is an example of elder abuse and potential financial fraud.
Product: Mortgage

Since XXXX when our payment amount adjusted, we have continued to receive monthly notices stating our previous month payment has been late. The most recent dated XX/XX/2021 states our XXXX payment was not received. This is not correct. We always make our payment directly from bank on or about the XXXX of every month for the coming month. For example, the current XXXX payment was received and applied on XX/XX/XXXX, but if history holds, a notice will be sent around XX/XX/XXXX stating the XXXX payment was not received. I also notice that the payment history shows a {$81.00} late fee assessment. NO PAYMENTS HAVE BEEN LATE. 
For some reason, company has my payments a month behind. For the entire period we have been serviced by Loancare, we have made the payments directly from our bank on the XXXX for the coming month, and is usually received by you around the XXXX. This is always for the coming month due date of the XXXX. I have made several requests to correct this but I still continue to receive late notices every month, and what appears to be erroneous late fees assessed. I am not late on account and there are no late fees due. Please correct this immediately and please stop sending notices on the XXXX of every month.
Product: Credit card

On XXXX XXXX 2016, I cancelled my USAA MasterCard in order to limit my exposure to fraud and credit card risks. USAA opened another USAA XXXX credit card in my name without my consent or knowledge. As such they have now increased my risk to credit card fraud and identity theft. To make the situation worse they did it behind my back in such a manner that I would not be looking for a newly opened credit card. Additionally, when I tried to cancel the unauthorized credit card with USAA, they made the process overly difficult by insisting that they transfer me to a special department to process the cancellation. The reason for the transfer was because it was my only credit card with USAA. In talking with the representative on this matter : they said that if I had a second credit card with USAA that they would be able to cancel it immediately without transferring me to the " special department. '' As luck would have it, the phone call was mysteriously disconnected during the transfer - how convenient for USAA, I thought. The fact that the Bank can unilaterally create a contract between me and them for the extension of credit bothers me. Moreover, USAA makes it very easy to sign up for the card but cancelling the card does not have the same ease of process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I called equifax inquiring on the status of a dispute on fraudulent account, the lady on the phone told me that my mailed in documents were received and a dispute was made on the mail in dispute with requested account block..the lady said she could not give me more information except that the mail in dispute began XX/XX/2023 and is the dispute dat and that 30 days from then should have results. and gave me a generic number to call and said it was some special number to inquire on my dispute that she couldn't more ... XXXX I call and inquire on my dispute and am told on phone by XXXX that there is a dispute that began XX/XX/2023 done online, I corrected him as I have not been able to dispute online sin XX/XX/2023. He changed statement and said it was done over the phone and I told him I did not create a dispute over the phone on the 21 nor have I redisputed anything nor sent or added or updated anything. I told him I mailed in documents on XX/XX/2023 for blocking a fraudulent account priority mail which would take 2 -3 business days. He then said that equifax redisputed the account for me because the company responded XX/XX/2023 and so they had to redispute again to help me. I said that date was after the XX/XX/2023 and that actually on my credit report it shows currently that the company has not reported since XX/XX/2023. he changed his statement again and asked I provide the confirmation # and that then if that were the case he can fix my credit info and get the account taken care of, I gave him confirmation # XXXX for my credit report mail I received from them that states that disputed account account # XXXX XX/XX/2023 XXXX XXXX XXXX is not reporting to my equifax credit file and then asked I mail in the document and then did nothing about it as he said he would .I said no I won't mail them the report and I continued that this has taken too long. he said XX/XX/2023 is my dispute date now and I argued it was not me and he and all agents I have spoken with always lie and change their information to me and then say disputes are reinstated from different dates always claiming this starts over the 30 day clock count. he also said he put complaints against the prior agent for misinforming me about XX/XX/2023 being my dispute date.. this updated dispute date was not done by me no were many other different ones they keep claiming I have been making when I have not. just to be able to take longer and ignore me longer I don't ever even get results I always get letter in the mail about how they will not start or begin a new dispute until the prior one is resolved and investigation is completed.
Product: Credit card

Receive XXXX separate offers incentivizing applying for a XXXX Chase credit card with a promotional balance transfer offer of XXXX XXXX into XXXX for XXXX  months. Based upon that information, I applied and obtained a XXXX Chase credit card. However, upon attempting to transfer a balance, Chase advised that the offer was no longer available but gave no reason as to why. See Attached. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX To whom this may concern, this is regarding accountant XXXX. 
My billing dispute is for past current and future certificates of indebtedness while under this contract. 
XXXX XXXX XXXX  reported 3 late payments for the month of XXXX, XXXX, and XXXX A creditor may not treat a payment on a credit card acc under an open etiquette. Consumer credit plane late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement includes the nonpublic information that was furnished. Should have been mailed and delivered to the consumer not XXXX before the due date. Listing payments as late under an open etiquette consumer plan is against federal law. 15 U.S. Code 1666 15 USC 6827 ( 3 ) requires financial institutes to notify consumers of their information-sharing practices and provide for a right to opt out of certain sharing. mention in the transactions above without allowing me to opt-out XXXXXXXX XXXX XXXX furnished my non-public information to a nonaffiliated third-party data furnishing company XXXX XXXX XXXX and XXXX . 15 USC 6809 ( 4 ) ( a ) Non-public information means personally identifiable financial information provided by a consumer to a financial institution- resulting from any transactions with the consumer or any services performed for the consumer or otherwise obtained by the financial institution. Therefore, as per literal interpretation, the organizations name XXXX XXXX and XXXX are non-affiliated third parties. and XXXX credit card has violated the provisions of 15 USC 6802 pursuit under 15 USC 1681a ( d ) ( 2 ) ( a ) ( ii ) the consumer report shall not include. Any information communicated among persons related by common ownership or affiliated by corporate control. Such information among persons shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be allowed to direct that such information not be communicated among such parties. 

I HEREBY REQUEST THAT YOUR COMPANY REMOVE ALL OR UPDATE THE FCRA VIOLATIONS LISTED BELOW BE REMOVED IMMEDIATELY 1. ALL LATE PAYMENTS SHOULD BE UPDATED TOO POSITIVE 15 U.S. Code 1666.

2. UTILIZATION OF THE ACC SHALL NOT BE FURNISHED 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Also request under 15 U.S. Code 1666d - Treatment of credit balances Section ( B ) refunds any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance. 
Please credit my accountant for the balance or refund the balance Deposited to my treasury direct accountant. 
XXXX # XXXX ROUTING # XXXX XXXX XXXX XXXX has 7-10 business days to honor my request, or I will immediately file a complaint with my state 's attorney 's office and a filing a complaint with the federal court in my jurisdiction. 
Thank you for your immediate prompt attention to this
Product: Credit reporting

They are allowing XXXX XXXX to duplicate an account that was originally XXXX. They are also allowing them to re-age it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} SECURITY XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I, like many other consumers, recently was informed my Federal Family Education Loans ( FFEL ) do not qualify for the Public Service Loan Forgiveness program. I have consistently been making monthly payments on my XXXX and XXXX school loans for 11 years, during which time I have worked only for non profit employers. My loan has been serviced by a number of companies, including Nelnet, XXXX ( formerly XXXX ), and XXXX. Throughout the course of paying back my loans, I would call from time to time to inquire about repayment options and to ensure I was utilizing the best option for my income and financial situation. I was told, on more than one occasion, by more than one of the loan servicing companies, that my loan would qualify me for the PSLF program after I made the XXXX consecutive payments. I now know, that is inaccurate information. I could consolidate my outstanding balance to the appropriate loan type, however, the XXXX consecutive payments would start over.
Product: Debt collection

I had 2 collections on my credit report as of XX/XX/XXXX. I made a payment to both, one being for XXXX XXXX at a resolved payment. the pmt was for around {$550.00} dollars. As of XX/XX/XXXX both collections were removed from my credit profile. Now fast forward to today, XX/XX/XXXX, one year later. I have received a letter from Credence saying I owe {$780.00} from a collection from XXXX. I am so upset because I have been working on my credit for the past year. I had the automatic payments come out last year for XXXX XXXX for my collection. I have a XXXX $ balance. I should not be receiving a letter saying I owe anything. Debt collectors can not lie. They can not tell me I owe something that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with the XXXX XXXX XXXX ( XXXX XXXX XXXX ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX.