23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Before I when to the doctor visited I asked XXXX XXXX. XXXX if they took my new health insurance which is XXXX XXXX XXXX XXXX. I was informed by XXXX XXXXXXXX XXXX they did and I gave them my insurance card and information. I also payed XXXX XXXX. XXXX my XXXX $ Copay approximately date XXXX XXXX XXXX XXXX. XXXX send me a bill for approximately {$270.00} for doctors visited and vaccination. I was confused since XXXX XXXX XXXX already accepted my insurance and took my copay. 

I already tired to resolve this problem with XXXX XXXX. XXXX and XXXX. I Complied with XXXX appeal process by writing them a letter, explaining whats going on I also filed all the Proper paperwork, but they refused to cover the bill. I then talked to XXXX XXXX. XXXX billing department I explain to them everything going on and they apologize and agree to remove the XXXX visit from the bill but still tried to charge me for the vaccination shots. 

I refused to pay XXXX XXXX. XXXX since their the ones who made the mistake of telling me they accepted my Insurance when they didnt and then proceeded to send me to collections. 

It is not right that this company can blind sign a customer with a unexpected bill and get away with charging customers without giving them a prices before the service and tell them one thing and then send a bill months later.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 the amount {$96.00} was paid to AFFIRM INC, and again on XX/XX/2022 the amount {$96.00} was paid. A grand total of {$190.00} was paid. 

AFFIRM is the intermediary for XXXX retail business for the purchase of -1- Remixed Shirt size X-Large at {$140.00} cost, and -1- Remixed Shirt Dress size X-Large at {$220.00} cost. The total purchase price for the -2- items was originally billed {$360.00} plus {$26.00} tax, for the grand total cost {$380.00}.

The nature of the dispute. ONLY one item was ever delivered : ONLY the -1- XXXX XXXX XXXX for {$220.00} was delivered on XX/XX/2022. 

The -1- Remixed Shirt for {$140.00} WAS NEVER DELIVERED. 

I reached out via email multiple times to the retail business XXXX directly, I never heard from anyone. 

I emailed the intermediary AFFIRM via email multiple times, requested that the -1- Remixed Shirt for {$140.00} letting them know that the -1- Remixed Shirt for {$140.00} was never delivered, and provided supporting documentation. I continued to receive generic emails requesting the SAME PROOF and unreasonable steps to take in each email. I asked that the matter be escalated to management, and to receive a call back from a live representative, which never happened. Finally, I asked that the Remixed Shirt for {$140.00} order BE CANCELLED. 

There has never been any resolve. Instead, I keep receiving harassing emails from the company AFFIRM repeatedly requesting payment for merchandise I NEVER RECEIVED. I am now receiving emails threatening collections. 

The original order number XXXX and package tracking number XXXX. 

AFFIRM is a scam and fraud. There are no " live '' representatives to deal with discrepancies with the purchases made using their installment payment services.
Product: Credit reporting or other personal consumer reports

I want to emphasize that the inclusion of XXXX reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the XXXX XXXX XXXX. This statute, which is part of the XXXX Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any XXXX  from this precise reporting not only XXXX  my financial integrity but also violates the legal protections afforded under this statute. It is XXXX XXXX XXXX this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2012
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX with account number XXXX This account is listed as being 90 days late. I have never been late on this account. 
In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY CREDIT SCORE ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my FCRA Section 605C consumer submission request to block adverse information from my credit report. 

On XX/XX/year>, I submitted my request and received confirmation of delivery. However, it has now been over 15 days since that confirmation, and I have not received any updates or information regarding the status of my request. Additionally, none of the adverse information has been removed from my credit report as I requested. 

This delay is concerning, as it undermines my rights under the Fair Credit Reporting Act. I believe I have provided all necessary documentation, and I have attached copies of those documents and receipts for your review. 

I kindly request your assistance in addressing this matter and ensuring that my request is processed promptly. I appreciate your attention to this issue and look forward to your timely response. 

Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

On the XX/XX/2022 i received an alert from my credit report on my XXXX  app i notice a new inquiry was added to my report ( Acima Digital FKA ACCOUNT # XXXX ACCOUNT TYPE/ LEASE DATE OPENED XX/XX/2022 STATUS OPEN STATUS UPDATE XX/XX/2022 BALANCE {$2600.00} BALANCE UPDATE XX/XX/2022 RECENT PAYMENT $ 0 MONTHLY PAYMENT {$220.00} ORIGINAL BALANCE {$2600.00} HIGHEST BALANCE {$0.00} TERM 12 MONTH COMPANY ADDRESSXXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX UT XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXX, Transunion and XXXX via certified to dispute the inaccurate information the company is reporting on my consumer report. The account is a charge off. I was not provided with a 1099-C form from the XXXX According to the XXXX, the canceled debt is considered income. The company is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). Also, the company has responded by validating the account with a list of payments. I requested documentation bearing my signature. The response was sent via email instead of providing a letter through the XXXX postal service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for an account listed on my credit that is being reported inaccurately. XXXX came back reporting that the dispute was closed and the account verified. XXXX is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as XXXX is a debt collector. I dispute the date the account was sold to XXXX. I am requesting proof that XXXX purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with XXXX. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that XXXX is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for each FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/XXXX to report that I have tried numerous times to dispute inquiries that were done without my authorization and to have them removed. The representative kept directing me to their site where the dispute can be processed which I have done so many times, Equifax has proof of the disputes online. Why must I keep filing online and it not get processed. Once again, as I mentioned in a prior dispute it seem like the bureau PROFITS from bad credit and does not want to remove something that did not belong on my credit because it WAS NOT authorized by me. XXXX XXXX, XXXX, XXXX XXXX   seem to continuously try my credit for approvals. Look at dates, they don't make sense. Because of these banks constantly applying fraudulently on my credit I processed a credit freeze to protect myself and inquiries KEEP hit my credit!! How is that possible. The following inquiries I reported to have removed - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove the dispute remarks from this capital one account XXXX. I no longer wish to dispute the completeness and accuracy of this account and I want to have the dispute remarks REMOVED FROM THIS ACCOUNT.
Product: Debt collection

A company called XXXX XXXX is running a scam in coordination with XXXX XXXXXXXX XXXX XXXX. They called me repeatedly for a debt that does not exist. I cancelled my membership with XXXX XXXX and they continued to charge me. Then when I went in person they said couldn't discontinue my membership without collecting the money for a membership I haven't used in years after charging me for years before I threatened their processing company in order to stop the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I have attempted several times to contact XXXX, XXXX, and Experian about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.
Product: Mortgage

I have a mortgage which was assigned to Greentree and now they call themselves Ditech. I have my payment to auto debit out of my account every month on the XXXX when it is due. They took it out on the XXXX ( not a problem ). I got a call this morning at XXXX from Ditech asking me to make a payment, I informed him that the payment was already set up on auto debit from my account, his response was oh I see that. Well it is still pending. Why am I getting a call 2 days before my payment is due when the payment will be there on the day it is due? Also let me state NEVER have I been late in the 12 years I 've had my mortgage. NEVER did the other banks that I 've had to make my payments to in the past called me and harrassed me as much. When it was Greentree they called me asking for payment the day my check cleared my bank which is why I went with auto debit but I guess that is n't good enough for Ditech.
Product: Credit card

on XX/XX/year> I was contacted by someone from the doctor 's office I was going to be seeing in the future for a consultation for a procedure. This person was very pushy and was selling on a promotion for up to 50 % off if they check to see what I qualify for. I informed him that I had already check and was qualified for another card. I figured it could not hurt if they just check since I already know I qualify for the other card. I all of a sudden feel a lot of pressure to get the XXXX scheduled now so that I can save money. That the XXXX schedule was filling up fast so I needed to act. It was a very high pressure sell that I immediately regretted. Here I was signing up for a procedure before even having any consultation. 

The initial consultation was scheduled for XX/XX/year> and I had the XXXX scheduled for XX/XX/year> that was made on XX/XX/year> on that phone call with the solicitor from the doctor 's office. This meant that I was now scheduled for a procedure in 3 weeks when I hadn't even had my first consultation. I had scheduled consultations with 3 doctors so that way I was confident I made the right decision. I immediately contacted the doctor 's office to let them know that I did not want to move forward with the procedure. 

That I felt it was a very high pressure sale designed to get me locked into a contract. I immediately wrote them a termination of contract letter based on XXXX XXXX XXXX XXXX Code Sec. XXXX using my statutory right to terminate the contract and get a full refund for services not rendered. I sent this via certified mail within the time allowed by Texas law. In short, I disputed the {$7800.00} charge on my credit card because I terminated the contract in a legal manner based on the manner of how credit was extended to fund this purchase. 

XXXX, part of Comenity Capital Bank, has a policy that if you are not satisfied with the services then I many not be held financially responsible for the remaining balance. I informed them that I was indeed not satisfied and wanted a full refund. The doctor 's office agreed to refund {$5800.00} after telling me that I would not get a refund if I did not remove any complaints about the doctor 's office. I am not satisfied with them wanting me to pay the remaining balance when I canceled the contract and never received any services.
Product: Money transfer, virtual currency, or money service

I sent an amount of XXXX $ to a XXXX account, on the XXXX of XXXX, with the right XXXX information, but still to the date has never arrived. 
TransferWise, who charged XXXX $ as a compensation for this service, keeps replying that they sent the money but it never arrived. 
They blame the beneficiary bank for not answering to their demands, but the beneficiary bank can't trace any transfer as they never received anything. 
I guess they do this in order to keep my money for some time but I literally need this money to live.
Product: Checking or savings account

I had my account closed by Chase Bank this past XXXX and have not received any information in the mail. I called XXXX in XXXX and learned that they they would send me a check for the remaining {$1000.00} or so in the account within two weeks. 

I did not receive the check in XXXX so I called again on the XXXX and customer service said it would take 90 days to verify my account. 

In XXXX I did not receive a check so I called on the XXXX and customer service said they would have to review my account indefinitely and could not give me an exact time to return my money. 

Since my account was closed, I can't get any emails about XXXX in my email, can't get any information about my money. If I don't call, I can't find out anything about my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX  XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later National Credit Systems contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.
Product: Payday loan, title loan, or personal loan

I got a loan of {$360.00} from all American check cashing on XXXX XXXX,2017 after I  got the loan the law came out that all American check cashing license was revoked. I got a call from them stating that they changed there name to XXXX XXXX and telling me I still have to pay. I told them about the license been revoked and they told me somebody bought the franchise. They filled the checks out for all American check cashing no XXXX XXXX so there for I should not have to pay right? They have been trying to send the checks through my account causing me to be in the negative. How can I get them to stop or pay me back since they can not do that wit all American check cashing no longer extist. Can you please email me on what to do. I would greatly appreciate it. My email is XXXXXXXXXXXX thanks and have and nice day.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 For the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Attached please find copies of my credit report with documentations from all three credit bureaus that have notations that are not consistent. I have the right to have my files to all reports to not to have notations that are different. Due to this, I am requesting that this file, XXXX XXXX, Acct : XXXX be removed from all three credit reporting agencies. Per my report with XXXX, this account is closed. Per Experian the payment amount is listed as {$0.00}. XXXX is reporting it as a balance of {$0.00}. This is in violation of my rights as a consumer to have these inconsistencies on my Credit Report. Also, if the balance is {$0.00}, then this account should have never been sold to XXXX XXXX. 
I have circled all other inconsistent notations I see on all three reporting agencies documentation for this account. 
I am requesting that this account be removed from my credit report. This includes files for XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX
Product: Debt collection

XXXX XXXX came to my home to take xrays after I was hit by a car. The nurse said she didnt feel like she could do it and called the ambulance services which I didnt authorize her to do. They assured me they would take me to the hospital for xrays and bring me back home because I dont have any family or friends or anyone who could bring me back home. Instead, when I arrived at the hospital I was dropped off and left in the emergency room for over 8 hours! I had to find my own way home. That was not the promise I was given by XXXX XXXX and both of the ambulance drivers that day. I know she felt bad leaving me in the emergency room like that knowing I couldnt even walk to the bathroom for over 8 hours but I experienced extreme pain and anxiety that day which I explained to their office on a number of times. They did not sense the urgency of what I went through or appear to care. I explained that I am a XXXX senior citizen and I cant walk. I depend solely on my scooter to get around. Without my scooter that day in the waiting room, I was begging other patients in the room to ask for help up front to take me to the bathroom. They just ignored me. When someone got close to me I would ask and she would snap at me and tell me to stop bothering her! I ended up embarrassing myself, I was mortified! My experience only escalated from worse at that point. I told their representatives everything but they didnt care about what I went through. I shouldnt have been dropped off. Because of what I went through after I was dropped off instead of them waiting to take me back home like they promised, I dont owe them anything. 

Thank you