23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today XX/XX/XXXX, after going back and forth with XXXX XXXX XXXX Hospital and XXXX XXXX, and getting a response from XXXX/Commomwelath, I have gotten many different answer to my issue. I spoke to the finance director of XXXX XXXX XXXX Hospital, he states that my insurance was provided to all providers at the time of service and I should of been taken care of just with a copay, XXXX XXXX states that if the claim was processed on time, my copay for Doctor XXXX XXXX XXXX office ( now in collections by XXXX XXXX/Commonwealth ) and other expenses would of been taken care of by my FSA account from XXXX, instead XXXX XXXX XXXX  office filed the claim on XXXX, 2 years later. I shouldn't be held accountable because and office forgot to do a claim, I don't mind paying my part or my copay. XXXX XXXX states that it is not patients responsibility and states that they can be contacted by collection office at XXXX, member number XXXX, and also provided me their XXXX XXXX XXXX, XXXX, FL XXXX. 

Complaint filed on XX/XX/XXXX : On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from Commonwealth Financial Systems , INC collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly. This is illegal, this debt has already been paid.
Product: Credit reporting or other personal consumer reports

LATE PAYMENT DISPUTE They're late payments reporting to my consumer report that are damaging my report. 

According to 15 US Code 1681a - " Definitions ; rules of construction '' ( Exclusions ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There should be NO late payments reporting as that is considered a transaction or experience. 

Under this Code you are in VIOLATION and if not removed will be fined {$1000.00} per late payment violation via Arbitration. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called FedLoan on XX/XX/XXXX to request a customized letter I could provide to the XXXX XXXX XXXX XXXX XXXX  regarding the XXXX Student Loan Debt Relief Tax Credit, which I received in XXXX. Under Maryland law, I am required to provide proof of payment in the amount of $XXXX, which occurred on XXXX. XXXX  and FedLoan staff informed me that I could request a customized letter in response to CFPB complaint XXXX and over the phone, respectively. When I initially spoke to XXXX (employee ID XXXX), he told me I'd receive a customized letter with my name, lenders name, date of payment, and payment amount in 7-10 business days. Instead, I immediately received information from my XXXX  1098 in email format, which was never requested. I immediately called FedLoan Servicing back and XXXX transferred me to XXXX (employee ID XXXX. I informed XXXX that the email I received from FedLoan was not what was requested and that I needed a customized letter instead. I informed her that a XXXX  tax year 1098 was not acceptable. i informed her that XXXX  requires a document with my name, lenders name, payment amount, and payment date. XXXX informed me that I would receive a customized letter within 7-10 business days. As ofXX/XX/XXXX, I have not received a customized letter for me to provide to XXXX. I called FedLoan Servicing on XX/XX/XXXX at approx. XXXX XXXX and spoke with XXXX (employee ID XXXX). I let XXXX know that I was expecting a customized letter for XXXX  with my name, lenders name, payment date, and payment amount. XXXX  pulled up my account and saw that a letter was sent on XX/XX/XXXX and I incorrectly informed her this was inaccurate because I received my 1098 information on XX/XX/XXXXand requested a customized letter immediately afterwards. It turns out on XXXX XXXX, I did receive a document entitled "Tax Info Interest Paid This Year", however the title of this letter is inaccurate and misleading as it is interest from XXXX  and does not fulfill XXXX  requirements. Again, this was not the document I requested. Upon further research, XXXX determined that there was no request for a customized letter in FedLoan Servicing's system, only a request for a 1098. As such, I had to re-request a customized letter from XXXX  on XX/XX/XXXX. I informed XXXX  that the letter requires my name, lenders name, payment amount, and payment date regarding my payment on XX/XX/XXXX. XXXX informed me due to FedLoan's mistake that the correct customized letter with the information I require for XXXX will be sent to me within 48 hours of the completion of our phone call.  I've attached a summary of my calls to FedLoan Servicing as well as the incorrect letters and prior complaint for further reference.
Product: Debt collection

Progressive was authorized to draft my account for the monthly insurance payments. Progressive notified me they did not draft the monthly insurance payment in XX/XX/year> in XX/XX/year>. Progressive were forcing me to make a double payment in XXXX of XXXX  in which I did not have the funds for. I asked for a payment program to pay the missed payment that Progressive didn't draft and the denied me. I then was forced to leave Progressive Insurance and find other car insurance to stay in compliance with driving laws. This matter has now gone to a collection agency, Credit Collection Service, that I didn't authorize and they are contacting me via phone in regards to this debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX inquiries on my Experian credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 1. Inquiry by XXXX XXXX NA on XX/XX/XXXX 2. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 3. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX XXXX. Inquiry by XXXX XXXX XXXX  ( XXXX Card ) on XX/XX/XXXX I have no knowledge of authorizing or applying for credit with XXXX  XXXX NA or XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Experian take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Experian credit report.
Product: Mortgage

We paid off our XXXX mortgage ( loan # XXXX ) XX/XX/XXXX. We received a letter from XXXX dated XX/XX/XXXX stating that the mortgage was paid in full and the lien release would be processed. We didn't know that it never was released until the lien showed up on a title search a few weeks ago as we're selling our house.

We wasted weeks talking to Bank of America ( XXXX ) talking to various people ( XXXX on XX/XX/XXXX, XXXX onXX/XX/XXXX and XXXX on XX/XX/XXXX and someone whose name I don't know on XX/XX/XXXX ) because the lien in the public record shows Bank of America as the mortgage holder. On XX/XX/XXXX, the closing attorney faxed to BOA the lien release request and title search, as requested by BOA. Bank of America passed the mortgage for servicing in XX/XX/XXXX to XXXX, who later became XXXX. Bank of America told us they had everything they needed to release the lien and then ditched us and told us we had to deal with XXXX. They wouldn't even call XXXX on our behalf to find out what needs to be done. They say it's not their problem even though their name ( not XXXX ) is in the public record as still hold the mortgage. They say that's because XXXX didn't ever do what they were supposed to do.

Despite many phone calls ( XXXX ) to XXXX starting XX/XX/XXXX, the lien has still not been released. We were told on XX/XX/XXXX when I spoke to someone named XXXX ( you never get their full name and you get someone different every time ) that a lien release was requested and it would take 5 days. On XX/XX/XXXX I called XXXX and was told 20 - 30 days. The customer service is poor and you can never be transferred to a supervisor ( they're always in a meeting ). When emailing XXXX, we get no response whatsoever. I have emailed them 6 times with no response at all. I found the CEO of XXXX XXXX XXXX and have emailed him 4 times ( XXXX ) - no response. We have filed a similar complaint against XXXX.

We may lose the buyers for our house and lose out on a contract on the house we're trying to buy. All we want is to have a clear title and close on our house.
Product: Debt collection

This medical debt was original sent to my employers address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, even that is incorrect the address is XXXX XXXX XXXX XXXX not XXXX. 

My home address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Last year around XX/XX/XXXX I informed the medical provider that somehow they had listed my employers address instead of my home address on the medical records In late XXXX my employer received these XXXX invoices at the XXXX XXXX XXXX XXXX. 

On or about XX/XX/XXXX I received the medical bill, I then called and spoke to a rep to verify if it was my debt. The debt was confirmed by both parties and told them I would call back upon receiving my paycheck to pay off debt. 

On XX/XX/XXXX I phone the collection company and made the arrangement & negotiated that upon full payment for these XXXX accounts being reported on my credit files to have them removed. 

I made a payment with representative Terra # XXXX to pay {$860.00} to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. Account information is as following- XXXX XXXX XXXX {$170.00} has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information related 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 was tricked into taking out this equity loan years ago and now I'm sure I've paid 3x the amount of the loan which was $ XXXX. They ran a credit check and made me an offer. I accepted the offer and agreed and paid the {$500.00} appraisal fee for my home. They then came back a few days later saying they missed something on my credit report and the terms of the offer had now change. I felt I couldn't back out because they said I would lose my {$500.00} appraisal fee because it was not refundable. I can't even view the loans total history because it's been sold a few times, but I still owe $ XXXX after 13-15 years of paying on the loan. They haven't made any offer for a new better rate or any relief. I believe one of the previous lenders was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I cant believe what I saw on my credit report todaythere were inaccurate accounts showing up for no reason. I check my report consistently, so I was stunned to find these discrepancies that appeared out of nowhere. I even tried refreshing the page in case it was an error, but the accounts stayed there. This issue has really shaken me, and Im asking for a careful review of my documents to put my mind at ease once and for all.
Product: Debt collection

I had received statements for medical treatment from XXXX XXXX XXXX. I made payments on the balance as best I could and told the staff by phone and in writing that my husband works out of state and gives me a monthly stipend to pay bills. I have been out of the workforce since XXXX. I am in an XXXX relationship and financial control is one form of it, documented in my medical records. I told the billing staff in writing and by phone that I was doing the best I could. When the Pandemic hit, my husband who works for an airline had the potential to be laid off, and I advised billing staff. I requested a print out of my ledger so that I could see my balance and that the payments of {$20.00} or {$25.00} were applied. XXXX never sent it. They stopped sending statements. They said I could only set up a payment arrangement if I submitted my husband 's gross income/ tax return. I do not have access to his money, he keeps most of it in an account I have no access to, and I told the staff. I do not want to risk physical injury to myself by submitting the tax return to them, and it's misleading when I only have a smaller amount to work with- it would not give an accurate view of my financial problem.I believed that my contact with staff would prevent collection activity. However, they submitted my account to Ameri Collect I learned XX/XX/XXXX. I called Ameri Collect and XXXX XXXX claims they sent me a letter XX/XX/XXXX that was returned to them by post office. I asked what address it was sent to, and she refused to reveal it to me, giving only the house number.She had no details s to why it was returned, and said it was sent by " normal mail ''. I asked if it was resent, and she said once it's returned they do not try to mail it again. Apparently they did not confirm my address with XXXX either. She claims to have 9 accounts of mine that were turned over to them, which makes no sense. Again, my written request of XX/XX/XXXX for a print out of my account reflecting payments I made was denied by XXXX of XXXX. She returned my letter to me with her notes scribbled on it. I still have to confirm with XXXX what I owe, and I need to see how the payments I made from XXXX to present were applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Experian and XXXX in reference to XXXX XXXXXXXX   inability to produce a contract bearing my signature obligating me to pay the charge off XXXXXXXX XXXX is reporting. XXXXXXXX XXXX only produced paid receipts and checks without my signature NO CONTRACT. XXXXXXXX XXXX did not indicate that my CR was in dispute within the 30 day requirement. Violations of the FCRA! Attached is a letter XXXXXXXX XXXX  sent me as a solution to their inability to verify the inaccurate reported information. Experian XXXX XXXX you must see that XXXXXXXX XXXX CAN NOT verify those accounts XXXXr does not allow CRAs to investigate accurately. XXXXXXXX XXXX can not verify these accounts lawfully. Please use the information I sent to verify that this is a mixed file that XXXX XXXX CAN NOT verify.
Product: Credit card or prepaid card

On XX/XX/18 went to Chase Bank at XXXX XXXX XXXX and spoke to person at bank about paying off credit card debt, she then called Chase service and my husband and I spoke to a person by the name of XXXX for more than an hour. She said the call is being recorded. We said we wanted to make a one time payment on what we owe and what type of arrangement can we make. She offered two plans, keep paying or close the account. We chose to close the account and we agreed to make a payment that day of {$1800.00} ( which was all the money we had ) from {$2200.00} that was owed. My husband told her he would get on line to pay the amount and when person came back on phone, she said that the agreement had been declined. She said the reason it was declined was because there was usage on the credit card. 
I don't understand what using the credit card has to do with agreeing on the {$1800.00} payment. The branch manager 's name is XXXX XXXX XXXX and I spoke to him about this situation and he's looking into it. We had to go and borrow the additional {$410.00} to pay off our credit card.
Product: Checking or savings account

This complaint is about aChecking, Saving account and Safety Deposit Boxes for my Great Grandparents where their XXXX XXXX XXXX XXXX XXXX  were deposited. The name of the Bank was XXXX XXXX XXXX XXXX in XXXX Texas that was bought out by Prosperity Bank in XXXX. The last time anyone seen any thing on there account was XXXX and XXXX when it was first bought out by Prosperity Bank. Now Prosperity Bank states that they never had an account at neither Bank as stated by Ms.XXXX XXXX customer service for Prosperity Bank. I sent Sworn Afidavit of Heirs, Death Certificates, and a sworn Inventory of all assets owned by my Grandparents. It list XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX  XXXX bought out by XXXX XXXX XXXX. Their accounts should be still active and untouched for over ( 62 ) Sixty Two years and was never closed. XXXX XXXX XXXX XXXX tried to get in touch with my family by the news papers that I found in XXXX. This is how the family found out that my Great Uncle XXXX XXXX who was my Grandfather 's Executor didn't close none of his accounts in two different Banks. That's when we got involved this year on the matter at hand. Prosperity Bank says, they can't find no accounts. This can't be true.
Product: Vehicle loan or lease

Last fall, we purchased a XXXX XXXX XXXX from XXXX   XXXX, XXXX, AL, financing it through Bank of America ( BOA ). Later that fall, we secured financing through XXXX XXXX XXXX and they paid off our BOA car loan. I received a letter from BOA dated XX/XX/XXXX verifying that the loan had been paid " in full as of XX/XX/XXXX ''. The letter also suggested I contact the dealer if I bought optional insurance or ancillary products. I had purchased " gap coverage '' from them, to cover any gap between the value of the XXXX and the amount of the loan, in the event of accident, etc. 
I went to the dealership, confirmed that this was indeed the case and requested a refund. This was in early XX/XX/XXXX. They told me they would be sending the refund to BOA, since that was the last loan holder in their records, and they directed me to contact BOA, later. On XX/XX/XXXX, I contacted BOA ( " XXXX '' ). They had no record of a payment. I went to the dealership and secured proof the check was written XX/XX/XXXX and cashed by BOA on XX/XX/XXXX. On XX/XX/XXXX, I called BOA ( " XXXX '' ) and informed them of this. They still had no record but agreed to research it. I subsequently received a letter ( no letterhead ) stating a payment of {$750.00}, was applied to my account on XX/XX/XXXX. On XX/XX/XXXX, I called BOA and eventually spoke with a supervisor, " XXXX '', who also denied record of payment. I returned to the dealership and, at XXXX 's direction, had them email to the given email address a copy of the canceled check. On XX/XX/XXXX, I called BOA ( " XXXX '' in XXXX 's absence ), and she had no record and could not access XXXX 's work. On XX/XX/XXXX, I called BOA, this time being handed off to " XXXX '', who also had no record of any of this and tried to persuade me that they were owed the refund and had already credited my account for {$750.00}, back in XX/XX/XXXX, and the check for {$740.00}, sent by the dealership was simply covering that credit they had made. I asked for the address at BOA for me to file a complaint, and he eventually gave it to me ( after the third request ).
Product: Mortgage

I applied for a loan with XXXX XXXX XXXX XX/XX/year> XXXX I completed my application, provided requested documents, and paid for appraisal, XXXX said he would be able to complete my loan. 

For several months until XX/XX/year>, I provided requested documents and waited for the senior originator to reach out. He repeatedly claimed he would contact me, but I never heard back and waited. Between him and his assistant XXXX XXXX, I was getting the run around and no response. When he did reach out he blamed me and said I did not provide documents. I have email threads with documents and stated I could forward as proof I supplied everything. He kept blaming me and I had no response for my loan. I was so stressed, my credit was already ran and I paid for an appraisal. When I finally got some type of disclosure from the title company, I saw the fees was approx. {$20000.00} and interest rate was more than XXXX XXXX. He never disclosed to me or told me anything. I asked him about it and he avoided me. That was when I told him to terminate my loan. I had waited so long, and he didn't communicate or disclose information. I would have respected if he merely said my loan couldn't be done. This went on for XXXX months before I terminated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the recent update of the " last activity '' date on my credit report. It has come to my attention that the last activity date for a specific account has been inaccurately updated, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA mandates that information on credit reports must be accurate, complete, and up-to-date. Updating the last activity date on an account without valid cause or activity may misrepresent the true status of the account and unfairly impact my credit standing. 
I request that you thoroughly investigate the circumstances surrounding the update of the last activity date on the mentioned account. If this update was made without legitimate activity occurring on the account, it may be considered a violation of the FCRA.There is a file attached to verify the fraudulent reporting. 
Account Name : XXXX ( ACCOUNT HAS BEEN CLOSED FOR TWO YEARS ) ) Account Number : XXXX Date of Last Report : XX/XX/21 Date of Last Activity : XX/XX/21