23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX  dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX XXXX XXXX
Product: Debt collection

I do not recall giving permission to Healthcare Collections or XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Attached please find a copy of the response from Healthcare Collections Inc., included in the response is the letter I sent to the company and initials indicating they recieved it. I have blacked out any personal information contained on the bills and am attaching them to this complaint for the only purpose to show the HIPAA violations. I have not recieved nor have I ever signed paper releasing my medical information.

Also I was covered under the Arizona Medicaid program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with Medicaid.
Product: Checking or savings account

XXXX of XXXX I had an issue with a vendor over charging for services. I reached out to my banking institution, which is SoFi Bank. I explained my concern and they reassured me on XXXX separate calls that the vendor would not be able to deduct any more from my account, not to worry, my money was safe. I also submitted a dispute to retain overcharged funds that had already been deducted. They denied the dispute, I still dont know why or how they came up with the denial decision, its clear that I was overcharged by the vendor. SoFi will not tell me how they decide whether to refund a dispute to the customer. They recently began overdraft protection service for consumers. I turned my off because I did not want them to cover payments for me, especially incorrectly charged deductions. They have never covered an overdraft charge in the past, especially when the option is turned off. I received an email stating SoFi had covered and overdraft charge for me and that my account was negative and I. Needed to make a Payment to keep my account in good standing? I have been a customer since XXXX and over the years they have not offered overdraft protection and they have never made a payment without my permission. They failed to follow my request and they paid an incorrectly charged bill on my behalf and i specifically put a flag on account, requesting no payments were to be made to the vendor and i did not have the overdraft protection turned on. They submitted and unauthorized payment on my behalf, this action created a downhill spiral of events for me, now the company they paid for me refuses to give me any money back for the overcharges and the bank has denied the dispute charges and they have NOT acknowledged my request for an explanation as to why they paid the bill despite my wishes not to be enrolled in the overdraft protection service they recently started offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my credit report showing this account is charged off however the company is still currently making attempts to draft my bank account for payment. I never got any documentation regarding this other than what the credit bureau shows. When trying to find an address the only know address is for a mailbox rental location, no actual business and the business shows to be located internationally. I have no real knowledge of who this account is actually with, I thought it was XXXX XXXX XXXX however my credit report shows a different name and when XXXX various names show up. My rights have been severely violated and I would like the proper contact information for the company and I also want this removed from my credit report. I think this company is defrauding the American public and I will also issue a FTC complaint. My report shows they updated it
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXXXXXX XXXXXXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX
Product: Vehicle loan or lease

THIS IS NOT A DUPLICATE COMPLAINT. 
This complaint was mistakenly marked as a duplicate. I have a few repossessions listed on my credit report with the same company ... AMERICAN HONDA, which is why I uploaded copies of the VEHICLE IDENTIFICATION NUMBERS ( VIN # S ) with each complaint, to distinguish one from another.The purposeof this complaint is also different from the previous complaint. My credit reports did not show a balance owed for this vehicle previously, however my recent reports show that now there is a balance of {$2600.00} owed. There should be no balance owed as this vehicle was traded in for a different vehicle.AMERICAN HONDA in my opinion is indulging in unfair and deceptive business tactics ( practice ). They have not produced documents showing where this balance is owed or how they came to this calculation.
Product: Credit card or prepaid card

Ive contacted capital one several months ago to notify them that I was impacted by Covid -19. Capital one advised me they will document my account and waived my payment. I kept making payments and one month I did make a payment late. When I spoke to the representative to advised them of my financial situation, I do not recall that I was advised to call each month to get assistance. I was under the impression that I can make my payment late and will not be impacted negatively.

My account was reported 30 months past .All my other creditors accommodated me and never reported me negatively. Im grateful I was able to get back my full 40 hours and Im Current. Im in the process of getting my mortgage modified / refinance and just found out this negative past 30 days will forfeit me getting my mortgage where my family and I can stay in the home with a reduce mortgage amount. 
Ive contacted capital one for assistance to help remove the 30 day late on my credit report and was advised to dispute this with credit agency. I was also advised there is nothing they can do and to reach out to executives disputes department.
Product: Debt collection

Opened XX/XX/2023 NATIONAL CREDIT {$500.00} My personal information was sold to this company and that is a violation to my FBRA rights
Product: Debt collection

I did not receive notice regarding this collections balance prior to the company notifying the credit agency XXXX and XXXX of this debt. I identified it via notification from the credit agency. I reached out to collections agency central portfolio on XX/XX/XXXX via phone to obtain information regarding this collections balance. Disputed with company via email XX/XX/XXXX stating that I was a victim of identity theft and provided copy of policy and FTC report I am a victim of identity theft and this collection is not mine. This has been reported to the FTC under report number XXXX. I also filed a police report when I first noticed activity related to theft in XXXX which is also attached, number XXXX XXXX XXXX XXXX 

I also never received notice of this debt so I did not have the opportunity to submit a rebuttal. Per your customer service department there are two balances XXXX XXXX XXXX XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX.
Product: Payday loan, title loan, or personal loan

The loan amount was XXXX. I did not understand that I would have to pay 599.9968 % interest over a ten month period. 

I reached out the lender to request to pay the loan off early and was told that I am not allowed to do so. 

I have made several payments and feel that the loan is structured in a predatory manner. 

Over the course of 10 months, the total amount to be repaid will be XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I paid the balance due on my personal loan at AMEX. Accidentally, I also overpaid by sending in the monthly minimum due payment. On XX/XX/XXXX I reached our requesting a refund, which they were willing to do by mailing a check not guaranteed to arrive sooner than XXXX business days. But if my money had been taken instantly from my bank account, why couldn't they refund it the same way? I escalated the matter demanding a more satisfactory outcome but was not able to receive confirmation that the complaint had been filed. I was also that options beyond a mailed check meant waiting for a call from a supervisor, to which I agreed to take but never came. Later I was told that call was attempted but I didn't pick up and they are not allowed to leave a voicemail to notify me of the attempt to reach me. I called again after 10 days had passed to inquire about the check that was supposed to have been mailed. At that time I was told an attempt was made to digitally transfer the funds to my bank account. I confirmed the account was never credited and asked again that the funds be returned and suggested this time they apply it to my other AMEX credit card account. I was told that was not possible. Today, XX/XX/XXXX, almost 30 days later I still don't have my refund. The online representative informed me that my case had been closed unresolved and could not explain to me why. Again, I requested a call from a supervisor and this time waited by my phone and picked up the call. I was told the funds were sent back to my bank account. I informed the caller of the previous failed attempt to do so and asked if that was the only option. She infomed me no notes in my file indicate such an attempt had previously been made. She was also unable to confirm bank account details identifying the account to which the funds were sent. This supervisor also denied that my case had been closed without being solved. What steps would they take to compensate me for the loss of use of my own money for nearly 30 days? The caller offered to compensate me for late fees but nothing she could do about the impact to my XXXX XXXX or inconvenience. Still no guarantee I would receive my funds in my bank account but I can call back and they'll open a new request to mail a check within XXXX business days. Unacceptable.
Product: Credit reporting or other personal consumer reports

I was completely stunned this morning when I saw inaccurate accounts on my credit report. I have no idea how they got there. Ive been routinely checking my report, and suddenly these discrepancies appeared out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but that didnt fix anything. The incorrect accounts remained, and Im really troubled by this. Now, Im asking for a thorough review of the documents Ive sent so I can finally have peace of mind.
Product: Mortgage

XX/XX/2022 Re : overpayment and BSI refusal to refund or apply to my account - loan XXXX Hello CFPB, I have been waiting on a refund for an overpayment that was taken without authorization last month on XX/XX/2022. I have spoken with several representatives at BSI ( Servis One ) and they all promise to follow up but do not. No monies have been received to date. All that happens are empty promises. 

I am very disappointed with the awful service from BSI and am desperately in need of your help. 

I have repeatedly called and spoke to several reps to no avail. The check was mailed on XX/XX/2022, yet we never received it. It should be mailed to my mailing address : XXXX XXXX XXXX XXXX CA XXXX. Of note, I cancelled the auto draft and they took it anyway. 

This is by far the worst experience I have ever had with a financial institution. 

I have also filed several complaints via phone and via email to the company directly. 


I appreciate any and all assistance in this matter XXXX XXXX XXXX no. XXXX XXXX Prop address : XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please TELECOM SELF-REPORTED XXXX, TELECOM SELF-REPORTED XXXX
Product: Debt collection

LVNV placed a collection on my credit report but failed to validate it when I requested the information. This company also tried to sue me in my birth state of Alabama, where I have not lived in many years. The case was dropped because the court was provided with incorrect information. I do not owe a debt to LVNV and they have not provided me with any documentation about the debt. I have requested this information many times and have not received it, yet its still being reported on my credit report as valid. I have written many letters asking for validation and subsequent letters asking for it to be removed because this company refuses to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   submitted a dispute to Transunion for various accounts.
  XXXX  r eceived response from Transunion.  XXXX  of the accounts I disputed for inaccurate reporting was     XXXX   XXXX     acct #    XXXX    in the amount of {$600.00}. please see exhibit   XXXX    where I challenged the reporting. This is the only   XXXX   XXXX    account on my report ( see exhibit  XXXX , transunion report dated   XXXX   ). Transunion responded that this account was deleted ( see exhibit   XXXX   ) however it still shows on the    XXXX    report ( see exhibt    XXXX    ).    XXXX    called Transunion and spoke to   XXXX   about this.   XXXX   gave me various reasons why it still showed.   XXXX   ) creditor did n't respond in time ( FCRA violation 611.a.1.a and 5.a.i )   XXXX   ) Another account with same name and account number were deleted ( FCRA violation 623.a.1.a ) and creditor added back on after deletion ( FCRA violation 611.5.b.iii ) I asked   XXXX   from Transunion to delete since there was a FCRA violation for each of his responses but he said all he could do was dispute it again. Since Transunion had the required time to dispute what I asked them to dispute they should not have another   XXXX   days. They did work on the account in question as they removed the reporting boxes that for the payments I questions for  XXXX ,   XXXX   ,   XXXX  , XXXX   Transunion has willfully not complied with my request and has violated federal law on this dispute.
Product: Student loan

Issues with FEDloan regarding Public Service Loan Forgiveness ( PSLF ) 1. On XX/XX/XXXX, my employer certified my employment via form XXXX XXXX. XXXX with the XXXX XXXX where I have served since XX/XX/XXXX ( I will have 14 years of service in 2 weeks ). I uploaded my completed form to FEDloan in accordance with their established procedures for the PSLF program. FEDloan responded that my employment could not be certified because my employment end date in section 3 was blank/missing. I've attached the form that I uploaded with PII removed. Clearly the box " Still Employed '' is checked. 

2. I started the process for PSLF in early XXXX and have been given the run-around just like the other 99 % of applicants that have been denied forgiveness for this program. FEDloan has yet to calculate and bring into the program a Spousal Consolidation loan that has been in repayment since late XXXX/early XXXX in the amount of {$51000.00}. The company has only pulled in my individual loan from graduate school for {$8700.00} ; initially this one was denied due to another erroneous claim by FEDloan that I did not include the EIN on the certification form, when I clearly had it written on the form. 

When I called FEDloan 's customer service, the individual from FEDloan told me that my portion of the Spousal Consolidation loan is eligible for the program. Please assist me in this matter and get FEDloan to do the right thing. This company has gotten away with erroneously denying me and tens-of-thousands of Public Servants forgiveness through this program for several years with no recourse.
Product: Credit card or prepaid card

I received a call from Target on XX/XX/2022 asking if I opened a new credit card. I did not. They told me that there was a {$300.00} charge on the card. Some of my personal information was correct, but some was wrong, like drivers license # and email address. Target 's case number is XXXX. 

I then received a letter from XXXX XXXX on XX/XX/2022 asking if I opened a card. I did not. I called the next morning, XX/XX/2022 and reported this to to XXXX XXXX fraud dept. 

On XX/XX/2022, I also received a notification from XXXX ( account opened on XX/XX/2022 ) that XXXX XXXX inquired about opening a card. I have disputed that through XXXX. My case number is XXXX.
Product: Mortgage

After making a complaint about the total lack of cooperation with Ocwen they sold off to PHH Mortgage. They are two of the worst operators in the mortgage business and are well known to all brokers on XXXX XXXX. 
They have refused to work with me and have attempted to smear my name by writing defamatory statements to the XXXX XXXX. He subsequently has persistently ruled against me. And, what does a personally defamatory comment have to do wth a mortage. Even CFPB has sued Ocwen for abusive and fraudulen behavior in XXXX and collected {$200.00} XXXX. 

Now, XXXX XXXX has passed a law about abuse of borrowers in XXXX of XXXX and and XXXX XXXX and XXXX XXXX are refusing to dismiss the case against me -- even though I have XXXX XXXX and XXXX and the Foreclosure Abuse Act totally applied to me, A new modification was refused because they claim that I do not own the house ( which I transferred to my wife since I'm ill ) -- which I can correct with the stroke of a pen. And, despite the fact that they issued two modifications which their foreign clerks ( XXXX ) offered in the past under the same circumstances. THEN they AGAIN screwed up the loan processing. They could not even apply the payments to the right account caused me to stop paying. Then they valued my house at 50 % more than it was worth even though I provided an appraisal. 

OCWEN AND PHH SHOULD BE SUED BY YOU LIKE XXXX XXXX SINCE MANY BORROWERS EXPERIENCE THE SAME PROBLEMS REPEATEDLY. THEY OCWEN/PHH ARE ABUSIVE AND ARE A FRAUDULENT OPERATION.
Product: Credit reporting

XXXX has identified fraudulent information and had me fill out charges that were not supposed to appear. I initiated a dispute with the XXXX, and the disposition was they were in fact fraudulent charges and as such they would close and remove all the charges. Experian REFUSES TO ACKNOWLEDGE THIS AND WILL NOT REMOVE THE ACCOUNTS FROM MY REPORT. UNDER THE FCRA THEY ARE MANDATED TO DO SO WITH FRAUDULENT INFORMATION!
Product: Checking or savings account

I received an account suspension email from chime on XX/XX/XXXX and was told to provide certain documentation so a resolution can be reached - I even called a rep to verify that this was all I needed to do, and he confirmed in the affirmative that I'd need to send that information to XXXX. I promptly provided the requested information and documents within the same hour. 
The next day, the XXXX of XXXX, I received an email from chime requesting the same information I already sent in. I went ahead and resent the documents and information, with all new attachments, and to my surprise I got a response asking me to resend the exact same information. I did and this pattern repeated at least five times. In my final email to chime, I told them I was tired of this back and forth and to go ahead and close my account and issue me a refund. Chime promptly notified me of my account closure within 5 minutes of emailing and also mentioned that I wouldn't be getting my money back.
Product: Checking or savings account

Hello I deposit a check from a XXXX job I did, and my check successfully cleared on XXXX XXXXas I proceed to access my funds and make payments everything declined.so I went inside CHASE BANK myself to see what is goin on and they told me my account is restricted and she gave me a number to call.So I give chase customer service a call to find out whats going on, FIRST they told me my account has been restricted and I need to go into bank with forms of ID which I have already done before calling.I call the number numerous occasions trying to resolve and prove my identity, but as I spoke with them I was told a SECOND reason my account is on hold so that chase can verify my check deposit.REMINDER my check is legitimate and was cleared and AVAILABLE on XX/XX/XXXX as I explained to them.the customer service lady was very rude and rushed me off the phone as if Im a criminal its very unprofessional of them.so the next day I kept calling to speak with someone again and make a complaint about there customer service on XX/XX/XXXX I was notified my account is closed with Debit DDA CHECK CHARGE on my statement and my balance that was left after closing was pending.so I called again on the XXXX of XXXX to see when will I receive my funds after my account was already closed and the lady couldnt give me a time frame ( although she work with chase was strange to me ) so she suggested that she would transfer me to another department to see how long it will take for them to send my funds.I was on hold for LITERALLY for 2hours waiting and nobody connected my call and the phone hung up on there end. I honestly wanted to cry because I felt like they didnt want to help me they want hold my money from me which is illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have requested in writting to that theses items be removed off my credit profile Due to fraud they are not my accounts XXXX XXXX Account # XXXX Balance XXXX XXXX XXXX  XXXX account # XXXX Balance XXXX XXXX XXXX  XXXX XXXX Account # XXXX Balance XXXX Account # XXXX Balance XXXX