23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello my name is XXXX XXXX ( account # XXXX ) and I am seeking assistance regarding a financial issue that I have with XXXX XXXX XXXX is a summary of the issue detail is also listed further down. 

Summary : I was quoted a price for a procedure ( in this case it is the XXXX step for an XXXX ) The below is the only data I have ever been provided but AFTER the procedure was done and finally billed properly to my insurance, I have been told I am responsible for {$2100.00} had I been told, I would not have had the procedure done. 
Based on their ONLY quote to me, I should only owe {$790.00} ( after the in-network XXXX discount - {$1300.00} - {$600.00} ( already paid ) = {$790.00} due When I started the same process on a different tooth number I met with and had a conversation extensively with the office manager and was never told that the pricing has changed As stated, the detail is listed below but the bottom line is that XXXX XXXX is charging me of an amount different than what I was quoted for a procedure and its unacceptable to do that after the procedure is done Not only have I had a lot of significant issues with this office but now this debt has been turned over to a collection agency when it should not be because the numbers are not correct I am certainly hoping that two things will happen : That XXXX XXXX will honor what I was quoted o The discount I was offered is a mute point it is $ off a wrong number and still expects a higher payment than quoted. 
That the account will be recalled from the collection agency because it is not appropriate for my credit to be impacted by XXXX XXXX mistake I have not yet sent any additional $ $ because what my insurance paid or did not pay isnt the true issue the true issue is that I was quoted {$1300.00} ( after the in-network discount ) for this step and I should not have to pay more than this amount regardless of where the $ $ comes from. 


The detail is listed below but the bottom line is that XXXX XXXX is charging me of an amount different than what I was quoted for a procedure and its unacceptable to do that especially after the procedure is done. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX ( XXXX ) XX/XX/2021 {$2100.00} {$680.00} {$720.00} {$700.00} {$1300.00}
Product: Mortgage

FOLLOW UP DATE REGARDING THE SALE DATE. SCHEDULE FOR THE XXXX TH OF XXXX. ON OUR HOUSE LOCATED ON XXXX XXXX XXXX XXXX XXXX CONNECTICUT XXXX. 

Loan # XXXX SIR/ MADAAM. You requested that we keep you informed regarding this case. Mr Copper has requested documents to do modifications on our mortgage loan. Like you see just on the XXXX XXXX the bank requested additional information. The sale date is scheduled for the XXXX of XXXX. We requested an extension of the sale date to allow time to finish the loan modification. See the email sent by the bank through there lawyers. Refusing to extend the sale date. We are appealing to your office to intervene on our behalf. We need to get extension. So that the modification to be completed. We no that we updated you on this last week. However we are sending this update because of the email received by Mr Coopers lawyers today. In hope that you will intervene for us Thanks in anticipation. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Connecticut XXXX.
Product: Debt collection

XX/XX/2021 I was told that I would receive a paid in full letter and that debt would be settled. 

The full amount is still displayed on my credit. 

And XXXX denied dispute stating creditor claims debt as current and accurate.
Product: Checking or savings account

I have been complaining for the past 8 months about the same issue and nothing is being done about it. For the past 8 months each time I log into my paypal merchant account it freezes my account and forces me to take a paypal introduction tour that I have taken 237 times over the past 8 months. Each time I call in to technical support I get the same response there is nothing they can do to assist me. If I have a problem please write to our legal department. I don't need to speak to legal department I need access to my account ONLINE!!!!!!!!!! I need someone from the head of tech support and or programming to assist me and not talk to the customer service people who keep telling me for the past 8 months and 11 times I have called in regarding this issue we are trying to resolve the issue its been over 8 months they have had enough time to try to resolve this issue. I do not want to speak to legal department just a tech support person that can take charge and solve the problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX it was reported that Equifax leaked XXXX XXXX consumers ' records in their possession. I have not been told if I have been affected, and my data is possibly vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/XXXX.
Product: Credit card or prepaid card

I have a monthly automatic payment on the XXXX of every month from my checking account with XXXX to my Capital One Quicksilver credit card for {$390.00} dollars. After logging into my Capital One account this month in XXXX, I noticed my payment had not posted but with XXXX it clearly showed as payment sent. I contacted Capital One several times to no avail. With the issue unresolved with Capital One, I contacted XXXX who provided the ACH trace number. I asked XXXX to conference in Capital One and they did. Capital One denied receiving the payment while XXXX swears they sent it. XXXX representative provided several numbers to Capital One who still denied receiving it. Capital One finally agreed to conduct an investigation on the issue. XXXX refused to provide the proof of the ACH trace number in writing. A few days later I contacted Capital One for a status update and an account manager stated they are back logged and it may take 2-3 billing cycles to fully investigate the issue. I asked them if I would pay interest on the {$390.00} as I like to pay the statement balance every month and Capital One said yes I will have to pay interest on any amount of the last statement balance left unpaid carried over to the next cycle. I informed the customer service agent with Capital One that the trace number, according to XXXX, is as good as a receipt but the agent refused to honor it and said I will have to pay interest.
Product: Debt collection

Dear Sir/Madam, I am writing to file a complaint against a collection company, Fair Collections & Outsourcing ( FCO ), for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe the company violated 15 USC 1692c 805, which states that a debt collector should use obscene or profane language.

I have received numerous phone calls and emails from Fair Collections & Outsourcing ( FCO ) trying to collect a debt, and they have repeatedly used obscene or profane language. I have been in communication with XXXX XXXX XXXX XXXX  | XXXX XXXX  and Consumer Relations Agent from XXXX According to 15 USC 1692c 805, it is illegal for a debt collector to communicate with a consumer in any place or manner that is inconvenient to the consumer. However, this Fair Collections & Outsourcing ( FCO ) has repeatedly contacted me at work, despite my requests for them to stop and my notification that it is inconvenient to receive calls at work.

Furthermore, this Fair Collections & Outsourcing ( FCO ) has also been using abusive and threatening language towards me, which violates the Act 's prohibition against using abusive or threatening language ( 15 USC 1692d ). In addition to this FCO is also in violation of following 1. Using obscene or profane language.

2. Publishing the consumer 's name or address on a " bad debt '' list.

3. Continuing to communicate with me after the consumer has requested that the debt collector stop contacting them.

4. Contacting the consumer at inconvenient times or places, such as before XXXX XXXX PST 5. Misrepresenting the amount of the debt, the legal status of the debt, or the consequences of not paying the debt.

6. Using false or misleading representations or deceptive means to collect the debt.

I have asked FCO over the phone and in writing that the collection efforts were wrong because the original vendor had wrongfully added those charges without providing me a breakdown and copy of the invoices. All those charges were fraudulently created by the vendor, which I tried to explain to FCO. However, FCO is being bullied and told me they would get this collection, and they don't care about the authenticity of these charges so I requested them to let me work directly with the vendor and they said they don't care as the account is with them.

I would like to ask the CFPB to take action against this Fair Collections & Outsourcing ( FCO ) for violating the Fair Debt Collection Practices Act and that they cease their unlawful behavior immediately.

I would like the CFPB to investigate this matter and take appropriate action against Fair Collections & Outsourcing ( FCO ) to ensure that they comply with the FDCPA. I have included copies of the phone logs and emails as evidence of the Fair Collections & Outsourcing ( FCO ) 's actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

It shows on my credit report that on XX/XX/2019 a amount of {$710.00} is owed to ABILITY RECOVERY SERVI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else ... It appears on my XXXX  and XXXX  Report. The debt was once removed and now its appearing back on my credit.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding inaccuracies in my credit report with the XXXX major credit bureaus. Despite my efforts to resolve these matters directly with the respective creditors, the inaccuracies persist. 

Please find the details of my disputes below, along with the resolution I am seeking for each account : XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account is reporting a late payment for a period when the account was in deferment. I was not responsible for this late payment as the company assured me that the payment status would be updated to " paid on time '' due to their error. This correction has not been made. 
Resolution Requested : Please update the payment status to " paid on time. '' XXXX ( Original Creditor : XXXX XXXX ) Dispute Reason : I have no knowledge of any collection account with this company. The original creditor, XXXX XXXX, was paid in full prior to any collection activity. Therefore, this collection account should not appear on my credit report. 
Resolution Requested : Please delete this account from my credit report. 
XXXX XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account has been reporting inaccurately and I have disputed it multiple times. The balance continues to increase monthly, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as collections are not supposed to incur additional fees. Furthermore, no proper verification documentation has been provided by this company or the credit bureaus. 
Resolution Requested : Please delete this account from my credit report. 
I have attached copies of my identification and Power of Attorney ( POA ) for verification purposes. Your assistance in resolving these matters promptly would be greatly appreciated. Please confirm receipt of this complaint and provide me with an update on the actions taken to correct these inaccuracies. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

tranunion is reporting this bankruptcy incorrectly and has not updated or removed this from my credit report. They have the wrong filing date as well as the court is not listed correctly. Furthermore, verification of accounts means that you have firsthand knowledge that these items belong to me and considering that they do NOT and never could, these need to be removed immediately. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for anyone to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. They do not have the authorization to report this bankruptcy which is also reporting inaccurately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my credit reports reflects a late payment with my auto loan through XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX provided a letter stating there are " no late payments reflecting on any credit buearus. '' I have provided equifax with this letter to dispute/resolve- to no avail, my report still reflects a delinquent payment. What further steps do I need to take? I can provide supporting documentation as well as the contact number for the research specialist assisting in this very important matter. Thank you for your time and assistance regarding this very sensitive matter, Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I received a payment of {$100.00} from my boyfriend through Venmo and when I try to transfer the funds to my account it told me that I was unable to do so this is the second time with this Venmo app. Ive tried reaching out to customer service. I have not gotten any responses. I let them know that this is {$100.00} that I needed to use for my child and I and their insensitivity and unwillingness to help was very suspicious to me. I have yet to receive a response the first time this happened. It was {$150.00} and now that its {$100.00} now Im having an issue and before he would send me money we never had any issues but now that hes been constantly sending me money of the amount of just no more than {$150.00}. They are freezing my account not responding to any of my messages or my inquiries. I am a single mother who is doing her best these apps specifically Venmo is fraudulent.
Product: Credit card or prepaid card

I applied for a SoFi credit card in XXXX of 2021 and received it I never used it until XXXX of 2021 but never received my order.The total of that order was {$80.00}. My XXXX card statement showed several charges that I deny was from me. I filed a fraud claim. The charges were temporarily discharged The XXXX. statement still showed 4 charges that were not discharged. I still hold that those are not my responsibility either. I have been trying to contact SoFi 's fraud claim investigator, XXXX, several times, l left several messages and now her voice mail is full.XXXX 's phone number is XXXX, ext # XXXX. SoFi has now reported me to XXXX credit bureau and my credit score went fromXXXX to XXXX overnight.I tried to contact the merchants by phone and web site. They were either busy signals or phone numbers did not exist and I couldn't find any web sites that existed.The initial SoFi investigator 's name is XXXX. her extention # is XXXX. Neither XXXX nor XXXX have returned my calls.I am XXXX XXXX XXXX and have no use for the products that were illegally charged to my account. My full name is XXXX XXXX XXXX. my email is " XXXX ". the last four numbers of my account arecurrently '' XXXX ''. previously they were XXXX ''. after the initial investigation I received a letter stating that the charges were discharged so I cut up the credit card and forgot aboiut it until the XXXX statement arrived with four similar charges still there. This card was issued by the XXXX XXXX XXXX who hired SoFi to administer for them. 
In summary, why did SoFi only discharge just certain charges. when they were all charged during the same time period. It is clear to me that a theif took advantage of an apparent oppotrtunity to steal my card and Identity. to enrich themselves at my expense.
Product: Debt collection

A representative from the Asset Recovery Associates called me and claimed to be representing XXXX to collect a debt that they claim I still owe from XXXX. They threatened me with a lien, to seize bank accounts and sue me in court. I spoke with no less than XXXX different people. Together they provided zero proof that the debt ever existed and when questioned about how I was able to open the alleged account in XXXX when I would have been XXXX years old, they changed their story and blamed a computer glitch/data entry error. I watch my credit histories carefully and this account never appears on my reports - then or now. I do not owe this debt but ARA attempted to scare me so that I would agree to pay. They also disclosed my social security number over the phone without verifying the identity of the person answering the phone. This reckless practice puts me at risk for identify theft. They must have purchased my information from some organization.They offered to send proof of their claims about this alleged deliquent account to me via email ; I provided my email information but have n't received any information - its been over a week now. This company is engaging in illegal business practices and should be stopped.
Product: Credit reporting or other personal consumer reports

My XXXX  loan was transferred to dept of treasury for collections. As part of an agreement with them I paid my loan current and has made monthly on time payments. My loan was to be transferred back to regular servicing by XXXX and my treasury account closed and removed and my XXXX  account brought current. It has not reflected that and both items are still on my credit report as placed for collections or charges off
Product: Credit card or prepaid card

I see there is another hard inquiry made today from Capital One on my report. Ive filed complaints for two hard inquiries on XXXX XX/XX/2022 that are fraudulent one has now shown open account on XXXX XX/XX/2022. I see another hard inquiry on XXXX XX/XX/2022 which is also fraudulent. I have not applied for an account with any of these agencies. XXXX XXXX, XXXX, XXXX XXXX, nor Capital One. Please remove and restore my credit score immediately. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : 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

I have not used my Discover card for a very long time, at least 2 years. I ended up freezing the account because there was an XXXX charge that kept recurring that I was unable to stop. I was unable to stop it because it was tied to an old email that I couldn't gain access to again. Then I ended up seeing an email where there was a balance on my discover card, due to the same XXXX charge, but my account should have been frozen. I froze the account again and paid the amount, but Discover reported it as a late payment on my credit report. I have been in good standing with them the entire time I have been a customer, and would like to have that derogatory mark remove from my credit report. This derogatory mark is keeping me from obtaining financing and I would very much appreciate the help getting this removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I just received my new credit report for XXXX and I found quite few auto Accou

nt Review Inquiries on my credit file that wasn't authorized by me. This is the list of th
em. 

WESTLAKE SERVICE INC XXXX XXXX XXXX XXXX XXXX I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.
Product: Credit reporting

EXPERIAN REFUSES TO RE-INVESTIGATE RE-AGED ACCTS ( PROOF UPLOADED ) EXPERIAN ALLOWS WITH IMPUNITY A CREDITOR TO RE-AGE ( PROOF ENCLOSED ) ITEM XXXX XXXX XXXX MUST LIST A DATE OF FIRST DELINQUENCY ON A CHARGED OFF XXXX DOFD IS XX/XX/XXXX ; THE DATE OF LAST PYMT IS XX/XX/XXXX. 
7 YEARS WILL EXPIRE FROM DOFD ON XX/XX/XXXX.CREDITOR MUST DELIVER COMPLETE ACCOUNT INFORMATION SO AS TO DETERMINE 7 YEARS AND PREVENT RE-AGING, AN ILLEGAL PRACTICE OF CREDITORS.EXPERIAN HAS A LEGAL DUTY TO NOT COLLUDE WITH CREDITOR IN RE-AGING BY DEMANDING COMPLETE INFO.FROM CREDITOR OR DELETING ACCT.THAT IS THE DUTY OF EXPERIAN ACCORDING TO FCRA. 
XXXX XXXX XXXX XXXX REPORTS ( # XXXX ) AS A COLLECTION IN XXXX XXXX, REPORTS PAID CLOSED IN XX/XX/XXXX.THEIR PREVIOUS REPORT UPLOADED IN CFPB XXXX SHOWS A XX/XX/XXXX PAID IN FULL STATUS.THIS DENOTES RE-AGING. 
THE PROOF IS ON THE FACE OF THE RECORD, EXPERIAN MUST DELETE AS CREDITOR HAS VERIFIED XXXX DIFFERENT DATES THAT BOTH CAN NOT BE TRUE. 
IT IS AMPLE EVIDENCE OF RE-AGING.