23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For a little over a week I have been getting 4-5 calls per day for medical debt collection that is a result of the doctor incorrectly coding the procedure. The procedure, as verified by my primary care doctor and my insurance provider, is covered 100 % by preventative, but, the doctor 's office that performed the procedure ( and acknowledged with me that the entire procedure was preventative and NOT diagnostic ) coded it incorrectly ( against what they said and agreed was preventative ) as diagnostic. So, it is a simple fix for them to get their money and they, for some reason, still keep insisting the account is not paid ( because they have not changed the XXXX coding to preventative ). 

Transworld ( I talked to a supervisor today named XXXX XXXX XXXX has been calling 4-5 times a day for collection including as early as XXXX and as late as XXXX. It was once a day for about two weeks and beginning last Thursday, XXXX XXXX 2017 it has been 4-5 times a day including one Saturday call.
Product: Debt collection

On XX/XX/2019, I sent two separate certified letters to Portfolio Recovery about two separate accounts # XXXX claiming I owe {$1000.00} and # XXXXclaiming I owe {$1000.00}. I asked that they verify that I owe for the two accounts by sending me a contract bearing my signature. Instead they sent me printouts, nothing bearing my signature. Also they responded referring to one account # XXXX. claiming I owe {$1000.00} where credit report says otherwise. Also they inserted that it is being disputed and customer disagrees. I was not notified about the account # XXXX claiming I owe {$1000.00} within the 30 day period of my dispute. Which cause Portfolio Recovery to be in violation of the FDCPA and FCRA. Portfolio is also in violation of the FCRA and FDCPA for not providing me proof of contract bearing my signature within the 30 day period. Therefore, Portfolio has violated the FCRA and FDCPA on both accounts # XXXX claiming I owe {$1000.00} and XXXX claiming I owe {$1000.00}.
Product: Checking or savings account

I on XX/XX/22 was paid XXXX dollars by my employer I only received XXXX dollars. Again today I was supposed to be paid XXXX dollars I only received XXXX. I have no child support or anything like that being taken out of any account so there is no reason for my checks to have been coming up short. I have tried to get the ach number from the bank. I have tried contacting my employer and pay role provider they have done nothing to help me get into my account to change my credentials to be able to change any of the information so that if it's something wrong with my direct deposit information to be able to change it. So the bank won't provide me with the information I need to be able to trace down my direct deposit and my employer and pay role provider won't help me change what's could possibly be wrong with it... I no longer have the phone number that my payroll it set up thru nor do I have the email it was made thru. I have relayed this and one will help me on either side. I feel like someone is doing some sneaky hints why they won't help me change the things that I need to be able to access my payroll information. I had a wallet stolen from me back in XXXX around the XXXX had my social, drivers license and every card I owned stolen.. so it's not like I can just go thru n try each card n see which one may have a $ XXXX on it.. to account for the two weeks I haven't received half my check. My bank is chime and my employer is perfect game inc. but we use XXXX as a payroll and hr. I just want my money that I haven't received. And to be able to get into my account on isolved and know where my money is going.. sincerely a hard working man
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing to you about my account. This credit card company is furnishing you wrong and incorrect information. They continue to update information trying to keep this account active so that it will continue to be on my credit report way past 7 years. At one point this account was deleted from my credit report XXXX in the past but reappeared back. I do not know how that happened but it did. According to FCRA, this is a violation. They seem to not report the same information to each credit bureaus. That alone is a violation of the FCRA. For an instant on my Equifax report, they are reporting that my account was charge off on XX/XX/XXXX. On my XXXX report you are reporting it was charge off XX/XX/XXXX, and on XXXX   report, you reported it was charge off on XX/XX/XXXX but recently it was XXXX. This is one of their tactics to keep this account active pass 7 years. This account must be deleted off my credit report because of wrong and inaccurate information according to the FCRA Act. Please delete this account off my credit report and never to reappear.
Product: Checking or savings account

I scheduled a Bill Pay payment to XXXX XXXX, CO for our annual property taxes on XX/XX/2021. Chase was to have sent the check on XX/XX/2021 to arrive at XXXX XXXX by XX/XX/2021. My mortgage company notified me today that my taxes are past due. I went back into my Chase Online Banking account to look up the Bill Pay, and saw the payment status as " rejected '', and a note indicating " We didn't approve this payment ''. I called Chase 's Customer Service department, talked with one agent who transferred me to a complaints person who took down my information. She would not give me the name of any manager I could speak to, and indicated someone will contact me within 7 days. Chase never notified me of rejecting my Bill Pay request. This is completely unacceptable, as is their supposed complaints process.
Product: Debt collection

I have reached out to this " collection '' I now have on my credit report that I know NOTHING about I have tried to reach out and get a recording and the company calls and threatens to sue, take me to court, etc. They have now caused a bad mark on my credit report as well as an amount that I am not familiar with or why it was owed it's under my credit report under collections as PORTFOLIO RECOVERY A XXXX XXXX {$4600.00} I have no idea what this is and what it is for or if it was fraud. 
I hope you can help. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence datedXX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my XXXX and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents lastXX/XX/XXXXand still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!
Product: Debt collection

A debt of {$4000.00} was opened on XX/XX/2023 on my credit report ( XXXX XXXX ) which I did not accrue. 

I called Sunrise Credit Services on XX/XX/2023 and they informed me the debt originated with " XXXXXXXX XXXX XXXX XXXX XXXX' and an address in NJ ( XXXX XXXX XXXX, XXXX NJ ) with which I have no association. 

I was informed that these people in NJ might have my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous attempts to dispute fraudulent accounts, specifically XXXX XXXX XXXX and XXXX XXXX XXXX, they continue to remain on my credit report. Regarding the XXXX XXXX XXXX account, I have provided substantial evidence that the vehicle claimed to have a lien on by XXXX XXXX XXXX was legitimately sold to XXXX. Enclosed with this letter, you will find the necessary documents and proof of the sale. According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( A ), it is incumbent upon credit reporting agencies to investigate and correct any inaccuracies in a consumer 's credit report, and I have exercised my rights by disputing this account on multiple occasions. Furthermore, I have also filed a report with the Federal Trade Commission ( FTC ) concerning the XXXX XXXX XXXX account. The FTC Act, Section 603 ( f ), clearly outlines the responsibilities of credit reporting agencies to ensure the accuracy and validity of information on consumers ' credit reports. However, the presence of unauthorized inquiries on my credit report raises significant concerns about Experian 's adherence to these legal obligations. Given the gravity of this situation, I demand that Experian takes immediate action to rectify these fraudulent accounts and unauthorized inquiries from my credit report. Failure to comply with my request within a reasonable timeframe will leave me no choice but to seek legal action against Experian for its non-compliance with federal laws and the adverse impact on my credit. The continued inclusion of these fraudulent accounts and unauthorized inquiries on my credit report has caused me undue stress, financial loss, and has jeopardized my ability to secure loans or credit on fair terms. I expect Experian to promptly remove the inaccurate information, and provide me with a written statement confirming the corrections made to my credit report. 

Please see the attached documents that I've already sent to Experian which they've ignored.
Product: Mortgage

I recently refinanced my home and have been having trouble with the originating mortgage company PHH Mortgage, providing accurate information regarding my loan payoff. I initiated this request on XX/XX/XXXX & barely received a payoff quote on XX/XX/XXXX. Aside from the runaround I received in getting an accurate quote due to a 'shared appreciation ' amount they said I owed due to a loan modification done in XXXX ( I also think there should be a limit as to when they can try to recoup any increase in property value ), they have now come back and said the quote was inaccurate & I owed an extra {$1000.00} for the cost of the appraisal they ordered, although the line item only states 'recoverable balance '. Several issues here, I was not told that I would have to pay for the appraisal when I initiated the request. I now have a copy of a letter they said was mailed to me, but was not received by me vial USPS, saying I could order the appraisal or valuation, or they would. I only received a call from an appraiser to do the work, which I assumed was just part of their process, again, not being in receipt of the original letter. Otherwise, I would have ordered my own appraisal. The letter also states that if the mortgage company orders the appraisal, I would have to pay for it and the cost would be 'up to {$520.00} '. I have also called to ask for a copy of the appraisal invoice and the mortgage company 'ca n't find it ' and said they would have to do research to locate it and send it to me. So, they are trying to charge me over the amount stated, they can't provide proof of the amount charged by the appraiser, and they are threatening to return funds for the original payoff until the full balance is paid. I believe this company to be deceitful in trying to gain more funds from me when they can't provide sufficient evidence. They are also attempting to gain more funds by returning the payoff monies, they can then start to charge additional interest. Aside from the additional money being requested, I have 12 different payoff letters from the company, most in different amounts, and so they can't even figure out how much the payoff is in the first place. I'm refusing to pay any additional balances and request this company be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I drafted the attached dispute to TransUnion advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered on XX/XX/2021. Despite this, the incorrect information remains on my credit report more than 30 days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a milestone credit card. I did not remove the auto pay and link to my bank and it kept popping off my account. They accused me of removing it. I did not. I got a late situation XX/XX/2023 and a manager helped me waive charges, pay a huge fee to fix and get a head and confront the auto pay situation etc. She was going to reverse and fix the late reporting etc to credit bureaus on recorded line. I feel she lied to me that this was not done.. I reported XX/XX/2023 to complain.. just now XXXX XXXX at XXXX and XXXX  only apologized for them dropping the ball and said investigation still under way. I said I am not trying to sue you but I will report you if you dont fix this and do have access to lawyers as this is lying about me and incorrect reporting as it was to be fixed .. nothing bad showing up on either credit for ever due to some glitch ... I want all bad stuff aobut me these 2 credit cards reversed asap .. as I am trying to buy a house in this horrible housing market. This will really hurt me,, have reported to XXXX XXXX to fix all the bureaus to no avail .. getting with you and soon fca and having lawyers send a letter soon
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX BANK XXXX Account # XXXX has violated my rights. 
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.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 
Thank you for your prompt attention to this matter. 

XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

I believe Bridgecrest has violated Regulation Z in multiple regards.

1 ) My minimum monthly payment is {$220.00}. I pay {$300.00} a month. I logged on to my account on the evening of XX/XX/2021 to find a late balance of {$16.00} on my account. Every payment has been processed on time and I did not receive a late payment notice, or even a payment due notice, for the {$16.00}. Because my minimum payment is {$70.00} lower than what I actually pay, the payments have all been accepted and cleared on time, and I was never notified of ANY payment due, I can not fathom what this charge was for. As I mentioned, I pay {$70.00} MORE than what is owed every month. Bridgecrest purports to charge me {$1.00} per day in interest. Unless the company is charging me nearly double in interest what they are legally bound to, this charge was illegally tendered. 

2 ) There is no transparency regarding these loans. It is not possible to see on the website what charge the late balance pertains to, nor is it sent to me in a paper statement. There is also no way to see what monthly payments are attributed to ( principal or interest ). It is impossible to ascertain what the charges consist of or even what the outstanding balance on the account is. There is only a " Get a Payoff Quote '' button. A consumer can not see what they have paid or what they still owe. 

3 ) I was not notified about this balance at any point. I found it by accident. Because Bridgecrest provides no details about the debt their consumers owe them, it is impossible to see what precipitated the balance. It is unclear whether it is one charge or many.

4 ) It is unclear whether the Amount Due balance is actually past due or is just designed to look that way. If it is the latter, it is clearly designed to falsely make consumers think their accounts are past due. This is an abusive practice and robs consumers of knowledge they need to allocate their payments as they choose to do.
Product: Credit reporting or other personal consumer reports

Transunion is incorrectly eporting a closed account that has a 30 days past due date. This account was never late. As per 15 U.S.C. 1666a, which outlines the responsibilities of credit bureaus to correct or delete inaccurate information on a consumer 's credit report, I am requesting that this information be removed immediately. Under 15 U.S.C. 1637a, creditors and furnishers of information must ensure the accuracy and completeness of the data they provide to credit reporting agencies. Since the information in question does not comply with these provisions, it should be deleted from my credit report.
Product: Credit card or prepaid card

I paid my final payment and asked for closure of the account on XX/XX/XXXX. I called the company on XX/XX/XXXX to make sure the card was closed and my money was returned to me. The customer service agent was rude and did not offer any information. I sent several message via the internet website for closure and return on my security deposit. No response. I contacted the company again on XX/XX/XXXX and XX/XX/XXXX for closure and return of my security deposit of {$300.00} to be sent to me. I have written 3 letters to the company asking for closure and return of my money. It does not take over 2 months to close an account and write me a check for my money. This company is committing fraud by stealing my deposit and not returning it to me immediately. I expect this company, bank and or credit card to return my deposit of {$300.00} to me immediately. I will file as many complaints as possible until everything is restored and all money plus interest is paid to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my consumer report and noticed information that isn't fair and or accurate. based on the fair credit reporting act consumer reports does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Transunion is violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX2024, I had to get a new vehicle. I authorized the dealership to run my credit with ONLY XXXX XXXX XXXX. I met with the sales manager who assured me that I would not see more than one inquiry on my credit report and that they would not send it to more than one bank for financing approval. Low and behold, a month later there are several inquiries that I never authorized and are now damaging my credit worthiness and are inaccurate because they were never authorized by me. I contacted the dealership directly as well as the 3 credit bureaus. I also contacted each of the financial institutions via mail and phone. Nothing has been done to resolve or remove the inquiries from my reports since XXXX. The following inquiries are unauthorized and need to be deleted immediately : Transunion : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Mortgage

On XXXX/XXXX/19, I provided PennyMac with my homeowner 's insurance renewal documents which showed that the renewal amount was {$720.00}. I indicated to them this information because the amount they showed on the website to pay out was {$670.00} which was the incorrect amount. PennyMac responded back to me that they would research my concerns. 

On XX/XX/XXXX19, instead of paying out {$720.00}, they paid out the incorrect amount of {$670.00}. 

Again on XXXX/XXXX/19, I noticed that my escrow information was INCORRECT. Again, I sent my insurance renewal documents to PennyMac indicating that the correct amount to be paid was {$720.00}, NOT {$670.00}. Furthermore, PennyMac listed my next insurance renewal date as XX/XX/XXXX instead of XX/XX/XXXX since my policy is only for one year. So essentially they have the wrong dates and wrong amounts. Again, PennyMac responded back to me that they would research my concerns.

It has now been past the 7 days that PennyMac said they would research and get back to me and no one has reached out to me, my escrow information is still incorrect, and my insurance renewal is STILL UNDERPAID. To avoid having my insurance lapse, I have already paid the difference that PennyMac didn't pay WHICH DEFEATS THE WHOLE PURPOSE OF HAVING AN ESCROW.