23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The date of service was XX/XX/2022 place of service - XXXX XXXX XXXX physician - XXXX XXXXXXXX XXXX XXXXXXXX practitioner - XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX charges {$680.00} According to my insurance provider XXXX, the bill was paid in full. I owed XXXX XXXX 
they called and confirmed this now XXXX in XXXX of last year, in XXXX of last year they were told other charges were added and that was what I owed, my insurance provider requested a new bill be sent to them with all the addendums on it and they would take care of it. then today XXXX I received a collections bill from a collections company and this is now affecting my credit. 
Today they said they were missing information and would only deal with me when my insurance company called. I told them they should be dealing with the insurance company that was on the line, not myself. They said the insurance company pulled the paid {$680.00} back after the request for the new bill, which is why I was being charged today. 
The insurance company never received a new bill as requested the last two times when they spoke with a representative of this agency. They were still waiting for the bill with addendums so they could pay it when I received the same original bill again but now in collections. 
The billing company for this doctor said they said they would fix the bill and resend it to my insurance company just like the last 2x but could not take me out of collections they could only put a hold on it till it was resolved. I requested they take me out of collections because my insurance already paid this once and two the next part of this has nothing to do with me and this needs to be done the proper way through my insurance provider who paid in full the first time that they tried to double bill me. they refused and said they would talk to my insurance co and resend the bill and hung up. 

My insurance provider XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate compensation from ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

A year ago someone from DNF Associates LLC contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX XXXX  XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX XXXX  charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My father had multiple CD 's with Centennial, XXXX XXXX handled his accounts there. Through a long process of many contacts to Centennial Bank with no information willing to be released, no documents willing to be provided ... I finally received contact from the banks attorney XXXX XXXX following an FDIC complaint that I submitted. I had requested ALL copies of CD 's that my father had opened there starting in XXXX. I'm a POD beneficiary. I only received copies of documents showing newer CD 's dated XXXX that were never signed by my father to open. My father died XX/XX/XXXX and was determined to be XXXX quite a while prior. XXXX XXXX, as I have in a recorded confession from XXXX XXXX actually went to my fathers residence in the XXXX  with XXXX XXXX and XXXX XXXX present to make a determination of my fathers complete iXXXX  thus allowing the trustees-XXXX XXXX XXXX XXXX XXXX and XXXX XXXX to close these accounts out and put into a money market so they could gain access to the funds. My father created the CD 's specifically to keep them out of probate and out of the reach of the trustees. Centennial states that a Durable Power of Attorney was presented allowing the trustees to access however, The DPOA states clearly that the third party may rely upon it if the power has not been revoked, that I am then living and that No proceedings have been initiated to determine my incapacity. No harm will come to that third party unless they have actual knowledge otherwise. As I can prove in a court of Law- XXXX XXXX had more than personal knowledge, she's the one that determined my fathers incapacity as the bank representative. 
I want copies of the original CD 's produced that my father set up in XXXX and I want to know exactly how Centennial allowed trustees to close accounts that were never opened. I want to know where these monies actually were since the documents provided to me finally after investigation # XXXX were never signed to be opened by my dad. Centennial, my trustees, and Centennials attorney has taken so much time to conceal the events that took place and deny the existence of critical supporting documents. This was a fraudulent act by all parties involved that needs to be acknowledged with prompt corrections made by Centennial Bank for the loss suffered.
Product: Credit card or prepaid card

my problem with Synchrony. I was offered this card at XXXX XXXX XXXX for a computer purchased in XX/XX/XXXX. 
I set up automated payments and till XX/XX/XXXX saw my balance go down to {$570.00}. I was told at purchase that payments are 0 % rate. Last night I saw my balance jumped to {$2200.00}. comprised of the {$570.00} and the rest is an accumulated interest rate of 29.99 %. Apparently, I did not know, I had a deferred rate of XXXX and I was supposed to pay balance off in end of XX/XX/XXXX. Only the bottom of the digital statement that I hardly ever open vaguely explain something. I never received a letter, or a warning. I was under the impression I was almost down with the loan. I have a high credit score and am always paying on time. had I known I would have paid this balance a long time ago. It was never explained to me. I would never do this to my limited income and knowingly add such a debt! I paid {$400.00} last night and the XXXX and XXXX and XXXX monthly payments so that balance is now {$2000.00}. In total I already paid for the computer and some of the accumulated interest. I called and spoke to 3 managers and none offered a solution. They all say they can not do anything, that these are the terms. I refuse to believe that this predatory rate is even possible and that I owe again thousands of dollars. I am requesting a human fair solution that understands my situation. Not a robotic one.
Product: Debt collection

I am writing to dispute the debt that is currently appearing on my credit report. According to my records, I do not owe this debt and it is not mine. I request that you provide me with proof of the alleged debt, including the name and contact information of the original creditor, the amount of the debt, and any documentation that you have to support your claim. I also request that you notify the credit reporting agencies that this debt is in dispute and request that it be removed from my credit report until the dispute is resolved. If you are unable to provide me with proof of the debt, I request that you close the account and remove all negative information from my credit report. Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and I will not hesitate to take legal action if necessary to protect those rights. Thank you for your attention to this matter.
Product: Credit card or prepaid card

Yes, here I am again, I complained to XXXX XXXX  XXXX that I lost my money by not refunding my money, they promised me to send me a new gift card instead, and instead I received a non-usable gift card card, I called customer service again and again, they just kept verifying my information my card number, but they didn't do anything for me, made me wait till today I didn't get any money back to me It's really too bad, the new card sent to me can't be activated or used, it's a liar
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, After many attempts to correct this issue with XXXX XXXX  XXXX XXXX who seems to think that they can continue with this non sense reporting they are doing concerning a debt they say I owe, I DO NOT!!! 
We have repeatedly informed them that the information they are presenting to CFPB and us is inaccurate. They claim they purchased this debt from XXXX XXXX but they have yet to show any proof of such purchase, nor have they shown proof of my signature or a signed contract which by law I have a right to see. 
Further, they are in violation of Metro 2 and according to the FTC, showing copies of a balance or charge DOES NOT constitute the debt belongs to me. Therefore, after these many attempts to resolve this issue peacefully we have no choice but to turn this matter over to our attorneys who sue people like Portfolio every day, they have requested us to make this last effort to have Portfolio remove this non sense from my report, if they choose not to they will face fines including the following. 
We will sue in the amount of {$1000.00} per inquiry for my effort to resolve this matter, and {$1000.00} for this being on my report, attorneys fees and court cost which could total {$25000.00} Simply put, Im, suffering from XXXX have had enough of the games Portfolio is playing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has deleted inaccuracies, items that report past statute of limitations, and incorrect personal information- HOWEVER! 

Transunion and XXXX WILL NOT follow suit with XXXX, my last claim they took almost 60 days. 

TRANSUNION and XXXX are reporting inaccuracies after I have made NUMEROUS attempts for them to fix it. 

TRANSUNION and XXXX are reporting items that are past their statute of limitations. 


XXXX - XXXX deleted in XXXX, but transunion and XXXX WILL NOT XXXX  - XXXX deleted in XXXX, but transunion and XXXX WILL NOT As well as inaccurate addresses and incorrect spelling of names/ relationships to people I have uploaded proof that XXXX has deleted items and transunion and XXXX continue to report
Product: Checking or savings account

I am filling a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital one misrepresented the 360 savings account as having one of the nation 's highest interest rates. yet failed to notify accountholders about the superior rates offered by the 360 performance Savings account. This deliberated obscurity and lack of transparency violated consumer trust and result in significant financial losses for many, breaching the Consumer Financial Protection Act. I seek redress for the misleading practices and the failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last summer I totaled my vehicle. After XXXX received the insurance check they immediately charged off my account while continuing to apply negative missed payments to my credit report each month. I opened up a dispute with Experian, and their investigation made matters worse. The date that this negative remark will remain on my account was originally XXXX after the investigation they increased the length of time to XXXX without providing any reasoning. This once again proves that XXXX continuously falsely impacts my credit score in a negative manner.
Product: Credit reporting or other personal consumer reports

The credit report contains an impossible future balance update date ( XX/XX/year> ) for the XXXX XXXX XXXX account. Since this date has not yet occurred, the information is inaccurate and unverifiable, violating the Fair Credit Reporting Act ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX
Product: Credit card or prepaid card

I have a personal AMEX card and used to have a corporate AMEX card that has been closed for years. For several weeks I erroneously made payments to the closed corporate card accounts. The sum of the payments was greater than {$4500.00}. I discovered the error when I saw the balance on my personal account not at {$0.00} and collected a history of my recent payments prior to calling AMEX about the issue. I pay the balance on my personal AMEX in full each billing period. 

When I called AMEX requesting to have the payments to my closed corporate account transferred to my personal account, I was told the transfer would take 5-7 business days. On the 8th day, I called AMEX because the transfer had not been made. They informed me that the process had not even started and that it would take another 3-4 days. I declined the offer and asked to have a wire transfer refund. AMEX collected my account and routing information and said that the refund would take 3-4 days. I waited two business days and called AMEX to see if the refund was in process. AMEX told me that the process had not started and that I would have my refund no later than 8 more days on XX/XX/XXXX. 

Today is XX/XX/XXXX and I still don't have my refund. I have no faith that AMEX is trying to refund my money.
Product: Credit card or prepaid card

I disputed a credit card charge on my account over a month ago. They have told me more than three times now that this would have been taken care of by this point in time. The charge is for XXXX XXXX and XXXX XXXX for {$190.00} on XX/XX/XXXX. I called my credit card company ( Chase ) about this dispute four days later, after I had already tried reaching out to the merchant to resolve the issue. It is now XX/XX/XXXX and they keep telling me it is being taken care of. This should have been finished three times over.
Product: Checking or savings account

M & T refuses to answer my numerous email phone calls and messages. I have also contacted the office of the president and I get no response either. I made a deposit on XX/XX/26 of {$1200.00} confirmation XXXX and my money was withdrawn but never put into my other checking account. Where is my money? Also, M & T promises that when you do transfers that the funds will be available the next morning. This is not the case. Once again I have incurred over {$700.00} in NSF fees because I do transfers but the money doesnt deposit. This is one of numerous situations. M & T owes me my {$1200.00} as well as my {$700.00} in NSF fees for not depositing money on time.
Product: Mortgage

My mortgage company requires HO insurance and handles this through an escrow account. My HO insurance policy renewal is in XXXX and was placed with new insurance carriers on time. I had to pay out of pocket the down payment on the fire policy and in full for the wrap around policy. All paperwork was sent to the mortgage company by my insurance agent and also by me. Ever since, the mortgage company has XXXX this up and has tried to charge me for their own version of insurance instead of recognizing that I have full coverage already in place and am compliant with their requirements. Besides trying to charge me for unneeded insurance they are also increasing my escrow payment unnecessarily. Both my insurance agent and I have made several attempts to get this resolved but as of the date of this complaint the mortgage company has not resolved the issue. Attempts to resolve this through their customer service number have been unsuccessful and their customer support person was extremely rude and dismissive and no help whatsoever. Attempts to resolve through their insurance department were more positive but always are pushed off to an automated system. So, it is almost impossible to actually get anyone to help and know the problem is resolved.
Product: Debt collection

The original complaint was submitted back on XX/XX/XXXX when XXXX tried to bill me for equipment that was returned on XX/XX/XXXX and the case was closed by CFPB and the collection agency, XXXX XXXX XXXX XXXX XXXX, then. The original case number was XXXX. This has turned into predatory practices. The details, dates, amounts, etc related to the case are as follows : I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/XXXX. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX  tracking number of the shipping label the company sent me was xxxx xxxx xxxx. The monthly bill was usually due on the XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XXXX through the XXXX of XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. Any assistance is more than welcome. Thank you so very much!
Product: Credit reporting or other personal consumer reports

Experion dos not answer the phone and I still have negative reports on my account
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request your intervention in the removal of inaccurate late payments reported on my XXXX XXXX accounts ( XXXX ending in XXXX and XXXX ending in XXXX ). These late payments are being improperly reported and violate my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and other consumer protections. 

The following violations demonstrate why these late payments should be completely removed from my credit report : Violation of Privacy Rights ( 15 U.S.C. 1681, Section 602 ) : As a consumer, I have a right to privacy regarding the use of my credit information. The inclusion of these late payments on my credit report constitutes a breach of this right, as they do not reflect accurate or authorized reporting.

Unauthorized Disclosure of Consumer Information ( 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ) : Under this section, a consumer reporting agency may only disclose account information with the consumers explicit written consent. I did not authorize the reporting of these accounts with inaccurate late payments, making this a clear violation of my rights.

Prohibition Against Improper Late Payment Treatment ( 15 U.S.C. 1666b ) : Federal law prohibits creditors from marking payments as late if received on time per the agreed terms of an open-end credit plan. In this case, XXXX XXXX has incorrectly reported these accounts as late, causing undue harm to my creditworthiness. 
I have made every effort to address this issue directly with XXXX XXXX, but my attempts have not resulted in the removal of these inaccuracies. The continued reporting of these late payments is causing significant damage to my credit profile and does not reflect the accurate status of my accounts.