23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX provided a service at their main medical facility in XXXX, OH, on XXXX XXXX, XXXX but never sent me an invoice for the coinsurance that I owed even after 11 months had passed. Instead, I received a notice dated XXXX XXXX, XXXX from a collection company to pay the bill a few days ago. This notice was surprising and offensive to me since XXXX violated my fundamental right to receive an invoice in a timely manner, and to be treated fairly as a patient. I note that I have sent a check to the collection company to settle the bill. I have noticed that XXXX  billing department has engaged in a pattern of other unethical behavior in the past which is very concerning to me as a patient and as a citizen. These include not sending invoices for services provided in a timely manner or sending inaccurate invoices inconsistent with the insurances Explanation of Benefits ( EOB ). For example, I received a statement for a service provided at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, on XX/XX/XXXX which billed me for twice as much as what I actually owed. I asked the billing department to send me a corrected version. Instead, I received a collection notice dated XXXX XXXX, XXXX from the collection company to pay the owed amount thereby violating my fundamental right to be treated fairly. Again, I settled this bill promptly. 

On another occasion, I sent a check for {$25.00} as soon as I received a statement from XXXX  for an office visit with my doctor at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH. This amount was part of my deductible. Yet, XXXX kept sending me invoices every month although I verified from the bank that the check had been cashed by the hospital. Finally, I wrote to the XXXX, XXXX XXXX, about this matter. As a result, I learnt that someone at XXXX  had applied the {$25.00} to another office visit made at their XXXX XXXX facility in XXXX costing {$20.00} for which I have never received a bill thereby precluding me from settling the bill. In my opinion, this action by the employee ( s ) was a fraudulent act, which needs further investigation by CFPB. I have spent countless hours trying to rectify mistakes made by XXXX. Needless to say, not only are XXXX billing departments actions unfair to me as a patient, but I must now worry about whether they have damaged my credit history.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my personal Information, and these non-mailable addresses. I contacted XXXX, XXXX and Transunion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West & XXXX XXXX XXXX are reporting a debt of XXXX I was XXXX  and forcefully removed from my place of living in XXXX and was homeless from XX/XX/XXXX THROUGHOUT XXXX AND XXXX TILL XX/XX/XXXX. 

They are passing the buck on the consumer whom has already suffered enough. I have found over 8 fraud accounts on my credit including this one. I had NO access to any online accounts or home or internet access ( infrequently ) during my homeless bought. I filed fraud claims online on identitythieft.gov and with BOTW faxing in a document today by a bank manager. 

When I call XXXX XXXX they refer me to BOTW when I go to BOTW they send me to XXXX XXXX.
Product: Debt collection

Hello, I have purchased queen Mattress from XXXX XXXX and used Affirm ( my complaint is against ) to finance this purchase. I am disputing the resolution that affirm put on my XXXX credit report that my account is delinquent. I have purchased this in XX/XX/XXXX and it comes with XXXX nights warranty. We didn't like the product after using it for 30 days and were trying to return it to XXXX XXXX. Upon trying to return this, we found that XXXX XXXX  is no longer in business from XX/XX/XXXX. We communicated this to affirm via phone in XXXX and XX/XX/XXXX and we received the confirmation email ( attached ) from them saying they can't do anything as XXXX XXXX  is out of business. I requested affirm to contact XXXX XXXX  on behalf of me and they said they can't find anyone to talk to. I only felt confident to purchase this mattress with XXXX XXXX  as they partnered with Affirm, who I felt were a reputed company and provided me lot of confidence. Now I am struck with a mattress that I don't need and is providing bad back problems for me and wife. I am reaching out via CBFP to seek justice for me on this matter.
Product: Debt collection

My credit report is showing multiple collections, one from Caine Weiner XXXX, and one from XXXX XXXX XXXX XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

my identity was used without my consent as well as used without my consent to make payments for this particular account. I Have had no knowledge of this account being registered with my social security until year 2024, i will like to receive proof of my web signature giving consent for this account. I XXXX XXXX, coming forward today to have a collection loan removed from my report. I did not give consent to, I am a victim of Identification Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint early today and it didnt take. Attached is a letter from XXXX XXXX. This letter proves that the 6 accounts that were dumped into my credit file last month were done in error. This letter proves there was no validation done with the original creditor or those accounts would not have been validated. The ATTACHED letter clearly shows the XXXX accounts I am referring.
Product: Credit card or prepaid card

On XX/XX/2022, I applied online for a Bank of America balance transfer card, as I was interested in completely paying-off the balance of my XXXX card XXXX During the application process, I specifically requested the amount of {$6200.00}. On XX/XX/2022, I received an email stating, " We've processed your Balance Transfer request, '' and it went on to show the details of the transfer being that {$1900.00} had been transferred to my XXXX account. I immediately logged-into both of these accounts and visually confirmed the transfer. In my new B of A account, under Balance Transfer History, are the details of the transfer, showing that I " requested '' a transfer in the amount of {$1900.00}, which is completely false and inaccurate, and can be compared to the actual transfer amount that I did request on my application, which once again, was {$6200.00}. The cause of the error, was that even though I applied for the larger sum of {$6200.00}, I was only approved for {$2000.00}, and the company decided to initiate a " partial '' balance transfer for {$1900.00} + a fee of {$57.00} without notifying me and obtaining my consent and authorization. I attempted to request the cancellation/dispute of the transfer online, but was informed that that wouldn't be possible! As a result, I now am in a much worse situation because I now will have 2 different creditors with 2 different monthly payments, and that is definitely not what I was striving to accomplish.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Account XXXX from Cavalry Portfolio Services , LLC was added on XX/XX/2016 for {$740.00}. I have no contract with Cavalry Portfolio Services , LLC. I have never done business with this company. I am not liable with the debt from XXXX. I am not responible for the debt with Cavalry Portfolio Services , LLC.
Product: Credit reporting or other personal consumer reports

I have disputed the inaccurate reporting of the " XXXX XXXX XXXX  '' account with Experian and XXXX multiple times, yet it remains unresolved. This account is falsely reported as a mortgage, which it is not. It pertains to a timeshare product and has been misclassified as a secured real estate debt, which is factually incorrect. Despite providing sufficient evidence and filing multiple disputes, the credit bureau has not adequately investigated or corrected this error. XXXX XXXX XXXX has also failed to provide proper verification or documentation, violating the Fair Credit Reporting Act ( FCRA ). The continued presence of this erroneous account severely damages my credit profile, and Experian 's and XXXX 's lack of resolution reflects non-compliance with FCRA standards for accurate and substantiated reporting. This account is a clear Violation of my rights.
Product: Student loan

In early XX/XX/XXXX, Mohela stated that payments will not be due until after XX/XX/XXXX... And the months from XXXX through XX/XX/XXXX will count toward income driven repayment forgiveness and Public Service Loan Forgiveness assuming all other requirements are met. My employer certified my employment on XX/XX/XXXX. However, the XXXX payment is marked as ineligible because deferment of forbearance exist for the period. 

This is contrary to the message they sent. As of XX/XX/XXXX, according to Mohela I am 4 payments away from full filling the 120 payments needed for PSLF forgiveness. If XXXX payment is correctly applied, it should show that I am 3 payments way from PSLF forgiveness. 

This issue is time sensitive. Once I make the XX/XX/XXXX payment and have my current employer certify my employment in XX/XX/XXXX, I will have full filled my 120 payments for forgiveness. If this issue is not resolved, it would add one additional month of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove XXXX  ( student loan guarantor ) from my credit report. I have written them on several occasions dating back to XX/XX/2020 about this issue. I've also did online disputes about this issue. I'm currently in the process of buying a home and my financial lender have reached out to XXXX XXXX of Equifax several times to remove XXXX from my report but they refuse even with the letter from XXXX  ( the servicer of the loan ). The letter had XXXX attached on the letter but XXXX XXXX said it would not be removed because the letter is on XXXX letterhead which is outrageous. If all 3 credit reporting agencies are supposed to report the same information and XXXX  and XXXX  stopped reporting per the letter why does Equifax refuse to update my report. My lender opened up another dispute with Equifax on XX/XX/2020 for the removal and update. The lender explained to XXXX XXXX from Equifax that XXXX  represents XXXX  in this matter heck when I tried to call XXXX  to handle the matter they transferred me to XXXX so why is it so hard to remove something that everyone BUT Equifax agrees shouldn't be on my report. Equifax could potentially cause my mortgage rate/approval to be in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX  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 card or prepaid card

Extended full faith and credit to American express for a consumer credit transaction and was denied allegedly for cancelled accounts in absence of verifiable tax forms. Notice of cancellation was accepted for value as verifiable acquittance by Amex and requested reconsideration pursuant to the Equal credit opportunity act. denied Equal Credit. Faxed over supporting documents titled notice of credit discrimination liability to XXXX delivered on XX/XX/22 and have not received consideration in accordance to Consumer Protection laws.
Product: Credit reporting or other personal consumer reports

This company keeps reporting me to every credit bureaus on and closed acct. that as been charged off but yet and still Im still being report late every month with late charges of a closed acct was sucured saving acct that I open with my own money which XXXX  turned into a credit card immediately started charging intrastate charges and late charges on my acct. As of today this acct as been closed for over a year and XXXX  is still charging lates charges and reporting it to credit bureaus as if this acct is still active and it CLOSED. I called XXXX on many occasions about this issue and to this point this is harming my credit of them keep reporting a closed acct as if it is still active and its not!
Product: Student loan

On XX/XX/XXXX I emailed XXXX XXXX XXXX asking for the borrower defense application. It is now XX/XX/XXXX and I have not received any information from them.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , IncXXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Delayed Credit Report Investigation Dear Sir or Madam, I am writing to formally dispute the delayed handling of my credit report investigation in accordance with the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to accurate and timely responses to disputes regarding inaccuracies in my credit file. However, I have encountered significant delays in the resolution of my concerns. 

On [ XXXX XXXX, XXXX ], I submitted a dispute regarding [ specific information in your credit report, e.g., an incorrect account, inaccurate payment history, or unauthorized inquiries ]. Despite the FCRAs requirement for Experian to complete its reinvestigation and provide results within 30 days, I have yet to receive a resolution or written notice of the investigations findings as of today, [ XXXX XXXX, XXXX ]. This constitutes a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely processing of consumer disputes. 

The lack of timely communication and resolution has caused me considerable inconvenience and potential harm to my financial standing. To address this issue, I respectfully request : A detailed explanation for the delay in resolving my dispute. 

Immediate completion of the reinvestigation and correction of any inaccurate information in my credit report. 

Confirmation of the reinvestigation results, including what changes, if any, were made to my credit report. 

Enclosed, you will find copies of all relevant documentation, including my initial dispute letter, supporting evidence, and any subsequent correspondence for your reference. Please consider this as a formal request to expedite the resolution of this matter. 

Failure to comply with the requirements outlined in the FCRA may compel me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal remedies to ensure my rights as a consumer are protected. 

I trust that Experian will take this matter seriously and address my concerns promptly. I look forward to your response within the next 15 days. 

Thank you for your immediate attention to this important matter. 


Enclosures : Copies of supporting documents
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered what I believe to be XXXX XXXX merchandise from a company called Support-Biden through XXXX which is connected to my American Express XXXX AMEX XXXX Serve card in the amount of {$64.00}. This company fraudulently portrayed itself as XXXX so I thought I was purchasing merchandise that was supporting the XXXX campaign but in actuality this company is located in XXXX and none of the money goes to the XXXX campaign. Upon learning that this was not going towards the support of the XXXX campaign, I filed a dispute with XXXX and sent email to company on XX/XX/XXXX, demanding that they cancel order and refund my money. They referred me back to XXXX. XXXX stated that since I filed a dispute with Amex, they could not investigate. Amex denied thr claim. However, since I never received the merchandise, I filed a second dispute with Amex on XX/XX/XXXX for not receiving merchandise. On XX/XX/XXXX, I received an email from Amex requesting more information, I provided requested information on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Amex, that my dispute had been denied. To date, I have not received the merchandise and when I click on the tracking number XXXX it says XXXX, CA, Delivered, Left with Individual. Only XXXX people live here and thats me and my XXXX old mom who does not answer the door. No package was left with either of us. On XX/XX/XXXX, I sent email to the company advising them that I have not received the merchandise nor a refund. I received an auto response referring me back to XXXX. It should be noted that XXXX has a long history of providing a platform for these fraudulent and trademark-infringing companies to operate and defraud thousands of honest hardworking Americans while XXXX looks the other way.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, I Authorized Bestegg to make direct payments to consolidate my own personal accounts. The accounts I authorized were XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

Best egg did not payout the entire amount borrowed as agreed. The XXXX XXXX account was not paid nor was that portion deposited to my personal account. Ive made XXXX payments even though Bestegg has not direct paid all the funds. 

I called Bestegg to resolve the issue, I documented the calls on XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX, Ive documented. Representatives from the Bestegg Escalation department, XXXX, XXXX and XXXX on different calls, indicated there was a mistake and the funds earmarked for my payout was paid to another account, not belonging to me, not authorized by me. Not my mistake! 
I was assured Bestegg would contact the funding bank and have the funds pulled back and sent to me directly or paid in my XXXX XXXX account as agreed. As of today, Bestegg has not paid out the portion earmarked for my XXXX XXXX account and are not offering any solution in addition to charging me the full amount plus interest! Bestegg has made their mistake my problem and Im paying for it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud from this company. They have made a report on my credit report file. I am unaware and did not open any accounts. This has caused my credit scores to drastically fall. This is a scam company collecting fraudlent debts.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 we applied and were approved for a loan at enerbank on what was called a 12 month same as cash loan. Our idea was to pay monthly and when the prior to the 12 months, pay it off. This company never sent us statements either by mail or email so we just kept paying it monthly. We were ready to pay it off and I called to see what the payoff amount was and lo and behold, the 12 month same as cash expired. we did not get a letter advising us it was about to expire like MOST companies do. I talked to a representative and he told me the balance was {$6800.00} and " can you pay this today ''. I said i could but then he told me he would have a supervisor call. I never heard from a supervisor yet they said they called on XXXX XXXX. The did NOT call me and I show no record of them attempting to call. I then called back to see if the offer of paying the balance of {$6800.00} would be still offered and they said no. Please believe me when I say that I have never gotten a bill nor did we get a notification that the 12 month same as cash offer was to expire. I believe this is bad practice and this company is not acting in good faith. I would like to also mention, when calling them, you must wait at leaset 60 minutes to talk to someone. I think this comapny is a scam.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I applied for a loan with Uprova. They were quick to give me money but they did not disclose up front that for a {$500.00} loan until after sending the money and expect me to pay back {$2100.00}. So they were charging a 668.54 % interest rate. This was found out after accepting the loan.
Product: Payday loan, title loan, or personal loan

I am writing this complaint about a PayPal XXXX XXXX XXXX that I have got and repaid several of them under my current LLC and the XXXX XXXX XXXX to which the other loans were issued too. 

I have been rejected but no reason has been given for why I am being rejected and I believe that it is discrimatory because also the XXXX XXXX that works with us can not withdraw money from the ATM from his card that is issue with XXXX XXXX XXXX The complaints keep getting MARKED AS A DUPLICATE when the company does not respond. 

This and the inability to fix any of the numerous problems that I have brought to this agency some OPEN AND SHUT CASES tells me that this agency is also part of the problem here too.