23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I had an emergency with an infected XXXX requiring me to be transported ( insisted by XXXX XXXX ) to the Hospital via XXXX XXXX XXXX XXXX ( aka XXXX XXXX ). 
Total charges were {$8300.00} which were negotiated with my insurance company XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ) to {$6300.00} which was paid by XXXX XXXX to XXXX XXXX. 
I was told by XXXX XXXX that the bill was satisfied and that I no longer owed XXXX XXXX any further monies. This was also confirmed in a phone call on Wednesday XX/XX/XXXX with both XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX XXXX  ). XXXX also assured me that this would be removed from my credit report. 
I immediately disputed this information which is being reported by Wakefield & Associates to XXXX, even providing documentation showing the original Explanation of Benefits ( EOB ) and original Collection Letter received from XXXX XXXX XXXX with handwritten notes dated XXXX per phone call with XXXX from XXXX XXXX that they paid {$6300.00} for the ambulance service and that I did now owe {$1800.00} to XXXX XXXX ( I later found out this was the ambulance company even though payment was billed through XXXX XXXX and XXXX did pay XXXX XXXX  ). 
XXXX has sided with Wakefield & Associates despite my proving I do not owe these monies, and I need your help because XXXX XXXX ( as XXXX promised ) has not removed this from my credit report ( XXXX XXXX billing Phone # : XXXX ). 
Wakefield & Associates ( Phone # : XXXX ) is now stating on my credit report that the amount owed is {$1900.00} which is insane, and highly inflated since I do not owe anything. 
I have sent them a letter to their address on file at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX to stop calling my home which they have not honored either. 
I please need your help because I have exhausted all of my options : the insurance company states this is paid and I own no further monies, and XXXX XXXX states this is paid and I owe no further monies, yet XXXX is still allowing this company to ruin my good credit and I have nowhere else to turn.
Product: Credit card or prepaid card

I made a purchase on XX/XX/2022 in the amount of {$680.00} from the merchant XXXX for a XXXX printer, the XXXX  XXXX XXXX. When I received the product it was defective and would not work. I contacted chime to dispute the transaction and I contacted XXXX and opened a dispute through them. XXXX looked into the matter and said I would get a refund, but chimes dispute put the order on hold, I provided the information to chime and they ruled that I would not get a refund because no billing error occurred. The information they provided me for why they denied the dispute makes zero sense and the document that was attached was issued 3 months before the printer was ever available for sale. Because of chimes chargeback dispute the order at XXXX was frozen, they have been unable or unwilling to unfreeze the order and so they tell me they can not issue me a refund to go through my bank. I have provided every bit of information to chime and they refuse to reopen the dispute and investigated. I spoke with a floor manager of the dispute department yesterday, XX/XX/2022, and he had me provide the evidence that XXXX said that they were issuing me a refund, and reopened the dispute as refund / credit not received. He informed me that that was enough information to grant me a refund, and then he escalated it to the rebuttal team. Less than 24 hours later in a investigation that is supposed to take up to 90 days I received an email that states that they will not be issuing me a refund and they consider the matter closed. I am currently out XXXX for a product I was sent that does not work.
Product: Credit reporting

I have began receiving credit denials from companies that I have not applied for credit with. Primarily department stores using my name and address. I have contacted the companies directly to file complaints with no resolution at this time.
Product: Credit card or prepaid card

Tried to make payment on XX/XX/22 for balance due on XX/XX/22. Was unable to access the payment website and Comenity had a System Outage error message on its site. Tried again on XX/XX/22 with the same result. On XX/XX/22 ( when the technical problems were supposed to be fixed ), I tried the payment site and received the same error message. I went to the XXXX XXXX site as directed by Comenity and received an error message when I attempted to log in to my account. Finally XXXX  Comenity/Bread financial to see if others were having similar issues. Phone numbers provided by Comenity were also not working. 
As a former banker, the total lack of communication is appalling. I just want to pay my balance off and cancel my card. The companys egregious behavior should be acknowledged, and it should also waive interest expense and/or any late fees incurred as a result. Thank you.
Product: Credit card or prepaid card

Hired a moving company online virtually. 1 hour later I canceled because of negative reviews on the XXXX. I was told I would be refunded and was not. Td bank credit card charged me {$3500.00} for this and refused to open a fraud investigation. They told me I needed to sue the moving company which stupidly I did. This company does not exist and had its liscence revoked and was operating illegally when TD bank decided to pay the fraudulent charges. Needless to say TD bank is reporting my credit to XXXX major credit bureaus ruining my credit. There was never any services provided by this company. TD bank has dragged this out for XXXX  months while this fraudulent moving company has disappeared without a trace to be found. TD bank is also charging me fees that they cant explain what they are for.
Product: Checking or savings account

I have several accounts with XXXX XXXX XXXXXXXX in which the company has closed all accounts and stated that there are outstanding balances on each account and has referred the account to collection agencies. Requested bank statements for all accounts held with XXXX. XXXX fro opening to close to evaluate the account. Spoke to rep in recovery department over a month ago who stated statements should be received in XXXX business days and to date no statements have been received. As of today, company is refusing to provide any information and insists to transfer to collection agency who states that dont have the necessary information either for all right bank statements from open to close for the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReceived statements early this year via electronic file. 

I need all the statements from open to close to validate the balances that XXXX XXXX  states is owed.
Product: Vehicle loan or lease

On XX/XX/XXXX I was told by salesman and his supervisor that I would get full value on my trade-in and told them I was only interested in trading in my XXXX XXXX XXXX if they could pay off the full amount of my remaining loan of {$11000.00}. They said yes, and I proceeded to purchase my XXXX XXXX XXXX from them. However, upon inspecting my bill of sale it is clear they only valued my trade-in at {$10000.00} and rolled the remaining {$1900.00} into the new vehicle loan. This was not pointed out at the time of sale and I did n't notice it until reviewing all the paperwork months later.
Product: Student loan

I received poor information from the customer service at Navient regarding my FFELP loans that financially benefited Navient and harmed me financially. I have been paying my loans for over 20 years ... paying interest. During the years, they recommended that I put my account on forebaranc and pay interest only. The information I received directed me to pay off the interest, rather than the principal. 
My loan was consolidated into two loans : 1. I borrowed {$17000.00} and have repaid a total of {$17000.00} ( {$12000.00} in interest ; {$5400.00} in principal ). I currently owe {$14000.00} on this loan..

2. I borrowed {$24000.00} and have repaid a total of {$24000.00} ( {$20000.00} in interest ; {$4200.00} in principal ) and still owe {$20000.00}.

The poor information I received after I graduated my MA program in Social Work disadvantaged me and has put me in a position where I have repaid my loan in interest, and still owe in principal. 

Also, Navient makes it incredibly difficult to find account payment and messages on their website. Their telephone representative couldn't show me ( online ) detailed information on my loan, individual payments, when they were paid, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, Transunion and XXXX  mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid and released State of Michigan tax lien from XX/XX/XXXX still reporting on my XXXX and TransUnion credit reports. 

The National Consumer Assistance Plan states that tax liens without a date of birth or social security number are to be removed from credit reports starting XX/XX/XXXX. My tax lien has neither date of birth or social security number. XXXX voluntarily removed the lien. 

Both XXXX and TransUnion have told me over the phone there is no such law or agreement and refused to remove the lien. 

Please see attached documents for proof the information is missing. 

Thanks for your assistance.
Product: Consumer Loan

XXXX XXXX XXXX XXXX Begin forwarded message : From : XXXXXXXXXXXX Date : XX/XX/2016 at XXXX EDT To : XXXXXXXXXXXX Subject : Complaint I had applied for a loan XX/XX/XXXX and was told that they could not approve me until I cut some of my debt down and they recommended that I speak to one of their credit counselor for additional assistance. I got some of the debt paid and also was at that time was in a court process for a company to get that balance off that I did Not agree with. After that I applied for another loan XX/XX/XXXX and got denied, I was confused. So I applied for another loan and was again denied, I called the contact center on XXXX and was asked why was I denied because I knew I got some of my debt down. The First Lady I talked to started reading off some of my credit report and this credit report was very different from my current one, come to find out they were using my old credit report started by the representative. She pulled my new report and sent it to a lender officer and approximately 2 1/2 hours they called back and basically said that I was denied because my credit report was different than the old one that they were using!!! ( Really ) .... So I said my farewell to that representative and called back an hour later to speak with another lender why I was denied a small loan. He preceded to say after he pulled up the notes, my current credit report and application stated that he was just as confuse as I was. He stated he was going to contact me back after he spoke to the agent who declined my loan. I received a phone call from supervisor who informed me that I was denied because of a 1. late payment on a secured salary advance loan, that is secured by my deposit and the only reason why I was late due to the fact of sickness and was out of work, but if that was the case they would not have approved me to get another secured loan 2. Because I had a XXXX collection account that they wanted resolve. 3. My current credit report did not reflect my old credit report that they were using the whole while I was applying for a credit. 

These were not a good answer for my denial and of course my credit file will be different especially when I was told by SECU lender officer to pay off some of the debt. I feel like I 'm being discriminated, because I took the advice and also to make sure I take better care of my credit! The denial reasons was bogus, some of the representative I talked to did not understand themselves why I was denied and neither do I. I was asking the supervisor XXXX XXXX and she gave me them denial excuse and say it because of security reasons I need for someone to clarify this mishap!!! The consumer protect act requires accurate and honest reporting, and my credit is just that accurate!!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; 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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I received an alert from my credit monitoring service about an hour ago. When I open the alert, it states " US BANK '' has view my credit report via XXXX. The first thing I did was call US BANK, the representative told me they do n't handle these requests. She also mentioned that I call XXXX. Twenty minutes later, I call XXXX and they give me the same garbage answer, call US BANK. Why are they both pointing fingers at each other? US BANK and XXXX are at fault for not authenticating or verifying my identity before they pull my credit. This is a huge flaw! Please remove the hard inquiry placed on X/XX/17 immediately. I did not authorize this request. <P/>Thank you for your time! <P/>XXXX XXXX
Product: Mortgage

Back on XX/XX/year>2024 i applied to get a MOD, and then i was approved for a Repayment Plan on XX/XX/year>2024 ; however i did not accept the terms because i was in a process to get divorced, i was feeling devastated and i was spending all my income in that process, so i lost the retention option and i tried to apply for the CA XXXX XXXX i sent all the required documents, however, on XX/XX/year>2024 we got denied because CA XXXX  did not have enough funds to pay my past due amount ; at that time my income is now stable and my situation got resolved so i applied for a MOD again, but i got denied back on XX/XX/year>2024  saying i exceeded the amount of MOD i could get lifetime. I spoke with XXXX and she told me i have to pay the full past due amount to get another MOD, my income can afford my Modified Monthly Payment but i can not afford to reinstate the loan. Please help me to get another MOD, i lost my wife, lost my income for several months, i have been trying to resolve my debts and i have no other place to live. Please help me to keep my property with a Loan MOD.
Product: Debt collection

I have been contacted by this company numerous times. When I called and spoke to someone on the phone I requested a debt validation letter and was sent some random statement to my inbox ( several days later ) saying that I had until the same date to make a full payment. From there I have been called by numerous people from their offices as well as I have been texted in my personal cell phone number stating lots of misinformation including but not limited to false states regarding an overdue/unpaid credit card. 

I was also never provided an actual debit validation letter with account number and my rights to despite any or all of the information. 

I have been spammed constantly by calls and texts numerous times daily stating that
Product: Checking or savings account

I am writing to express my concern regarding the recent closure of my Bank of America account. My name is XXXX XXXX and I received notification from the bank that my account was closed due to a " business decision '' without any further explanation. As a customer, I believe it is my right to be informed of the reason behind this decision. 

I understand that banks have an obligation to prevent fraudulent activities and I appreciate their efforts in ensuring the safety and security of their customers. However, in the absence of any explanation, I am left with concerns that my personal information may have been compromised and used for unauthorized purposes. It is imperative that I know the reason for the closure so that I can take necessary actions to protect myself and prevent any further misuse of my personal data. 

I went to Bank of America branch and called customer service, both were rude and talked to me like I committed a crime and that the reason for account closure is because of a mistake from my side, which is not true at all. 

I strongly believe that every customer deserves transparency and respect from their financial institution. The sudden closure of my account without any explanation is not acceptable, and I request that Bank of America provides me with a clear and detailed explanation for this decision. I hope that this matter will be resolved as soon as possible and that my concerns will be addressed accordingly. 

Thank you. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I used WorldRemit to send money internationally to XXXX WorldRemit 's website was seemingly very clear about all of the fees involved. The transaction went smoothly. However, when I received my credit card bill from XXXX ( statement for billing period XX/XX/19-XX/XX/19 ), I found I was charged a large fee for making a cash advance. 

When I made the transaction on WorldRemit, there was nothing to indicate that the transaction would be treated as a cash advance. I called XXXX to complain, and they told me that they had no control over the fee -- that the merchant ( WorldRemit ) submitted the transaction as a cash advance. I called WorldRemit to complain, and they told me that they had no control over the way in which the bank processed the transaction -- that they did not submit it as a cash advance, but that XXXX chose to process it as a cash advance. 

Since neither company accepts responsibility for the additional fee, I am considering both to be committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I applied for an Annual Credit Report and was denied the report from Equifax. They after I call to get verified and find out way my credit score drop, they proceed to waste my time not allowing me to be verified by their system, then verbal questions by a rude rep., then a supervisor proceed to tell me that I need to send in my license and social security card in order to be verified. All this time of approximately 2 hours was wasted. 

They have been sending me advertisement up until today to take their product and I want. I printed out the last two piece of them trying to get me to sign up for their product. See their copies, of trying to lure me into their product.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

XXXX Address : My current residential address is XXXX XXXX XXXX th pl XXXX XXXX, XXXX XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX XXXX XXXX : My main contact number is XXXX :. I would like this number to be updated. 

XXXX Date of Birth : XX/XX/year> ( XX/XX/year> ) XXXX Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Pl # XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
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 15 USC 1681. 

Account Name XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  Account Number XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I made my mortgage payment 29 days late. Payment is due on the 1st of the month, I paid it on the XXXX of the month. Now, the lender is showing me as 30 days delinquent on my credit reports for my XX/XX/2020 payment status. 
The payment due was {$340.00}, and I made a payment of {$350.00}. 
The FCRA is clear on this matter : payments must be applied on the date received, not on the date posted. 
Therefore, the lender is in clear violation of the CFPB. 
I have disputed this issue with the lender previously. They refuse to update and remove the delinquent payment reporting. I have also disputed this with the credit bureaus, they say that they can not change the reporting unless the lender changes the status and updates them. 
NOTE : The lender at the time of the matter in dispute was XXXX XXXX Sometime after this incident, XXXX XXXX  bought out XXXX XXXX Sometime after that, XXXX XXXX  bought XXXX XXXX XXXXXXXX XXXX is the current lender who refuses to change the incorrect status of this report.
Product: Credit card

I made a payment on my credit card, and I just realize they did not give me the service I pay for, so I contact Amex they say they can't do the dispute.