23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was in the hospital XXXX/XXXX/14 to XXXX/XXXX/2014. There were XXXX different bills that resulted from that visit : XXXX XXXX {$37000.00}, XXXX XXXX XXXX XXXX {$9900.00} and XXXX XXXX XXXX {$550.00}. We have insurance that pays 100 %. Both XXXX XXXX and XXXX XXXX XXXX XXXX submitted their bills to our insurance and were paid in full. XXXX XXXX XXXX, however, said that we did not have insurance and and now have submitted this charge to Healthcare Collections Inc as our responsibility and posted negative to our credit. They will not submit to the insurance and will not remove it from our credit bureau. This bill for {$550.00} was to be paid in full like the {$47000.00} that was paid to the other XXXX bills. We should not be penalized for their lack of processing and someone dropping the ball in their billing department. When I contacted them and asked why they did n't submit to the insurance, they said " We do n't have time to research and find out if people have insurance ''. I advised them that we are 100 % covered by insurance and we submitted our insurance information to the hospital upon check in on XXXX/XXXX/14 and that all the other bills were paid. They said now it is too late and refused to help us. It has almost been a year since I was in the hospital and this charge is barely posting to the credit report?! This office obviously has billing problems. We were never notified of any issues with the billing and did n't expect to be since our insurance covers 100 %. We are currently trying to buy a house and this is severely affecting our credit. Please help us resolve this situation. Thank you.
Product: Credit reporting or other personal consumer reports

I submitted disputes for XXXX XXXXXXXX XXXX  and XXXX XXXX  on XX/XX/XXXX and also in XXXX to EXPERIAN. They said that all the information is accurate twice. XXXX and XXXX are reporting that neither one of these accounts are delinquent. In accordance with the fair credit reporting act convergent accounts # XXXX and # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. STATES I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never lived at the address XXXX XXXX, XXXX, PA XXXX address id # XXXX
Product: Student loan

I want to start off my stating that I have very much enjoyed Nelnet 's  assistance regarding my loan and have never had any issues until JXX/XX/2016, I did not receive word from Nelnet that my forbearance was to expire. I looked through my emails and found no correspondences. Which is unlike Nenlet because they have always contacted me with any concerns regarding my loan. 

It seems I have about 12 missed payments? These missed payments are around the time I had lost my cousin and my family fell on hard times. I was the main breadwinner considering my cousin and my dad whom is XXXX lived with me so there were so many changes going on within the family. When I saw the missed payments, I was so upset. I had never missed any payments. I mailed in a letter for deferment but it seems it never reached Nelnet. 

Ive recently acquired a decent paying job and will be actively paying off my loan debt. As you see, the last couple months I have been paying off the loans on time and I've even paid off an extra amount.
Product: Mortgage

A tree fell on my mom 's home after a terrible storm early XXXX. The insurance company and the contractor responded very quickly and was able to get everything fixed within a month. The first payment from the insurance company, payable to my mom and Ditech was on XXXX XXXX. The check with all the supporting documents were sent to Ditech and receipt was confirmed. Ditech promised a XXXX10 days turnaround of 95 % of the check amount. We have NOT received any payment from Ditech. Many calls some of which I have recorded has yielded nothing but frustration. I advised them of the completion of the work on XXXX/XXXX/16 and an inspector was 'dispatched ' to call me. I have heard from no one. 
The last call to Ditech on XXXX/XXXX/2016 advised that no money will be sent until the final inspection. Which I was told was ordered on XXXX/XXXX/2016. We would certainly like all the funds released so that we can pay the contractor and the tree removal company and avoid any legal actions.
Product: Vehicle loan or lease

XXXX of XXXX  my lease was up and I decided to switch it to a loan to buy out the car. In doing so bethpage federal credit union decided they were going to change the vin number on my title. They demanded I have it changed by going to the dmv and after I mentioned taking legal action since they had previously hurt my credit they told me they were fixing it on the phone which is recorded by them because they stopped responding to my emails. XX/XX/XXXX my brother totaled my car in a no fault accident. After a bit of time goes by me and my insurance company find out that the vin number was never fixed. They even tried to say my insurance company had the wrong vin but they had pictures of the vin from the accident on the car. They also never sent me the packet to go to dmv to transfer the title in my name. Now 30 days later Im losing my rental car and Im going to lose out on the car I put a deposit on because they said theyre going to have to wait 2-3 weeks for the dmv to send a duplicate title with the correct vin. My livelihood and job are now being put on the line including the well being of my baby brother who I work for since Im a XXXX worker and he is XXXX and I need a vehicle to take him to doctors and his programs.
Product: Vehicle loan or lease

I purchased my first vehicle that I found online and was pre-approved for. My credit was good XXXX, and the loan interest XXXX  % with a monthly payment of {$370.00} per month. I signed the contract based on this information provided by the dealer before driving down to test the car out. The dealer said he was going to add a mechanical warranty that I could pay monthly with everything on XXXX deal. I told the dealer I was considering purchasing XXXX of these plans on my own and he convinced me his was much better, cheaper, and more convenient being all on XXXX bill. I was excited about my car, but realized I was duped on the whole thing. And got stuck with a XXXX  % interest loan. I tried to fix things with the bank, and couldnt get anywhere. On the XXXX day late, where it could affect my credit, I tried to pay the piper and their website was conveniently offline and not accepting payments for me. I looked into this and this is common practice at Ally to get customers to miss payment deadlines. My credit score went down by over XXXX points. I was devastated as I thought Id never be able to refinance this at a proper rate. The following month 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 XXXX XXXX XXXX. I feel like I could of maybe reacted to the noises quicker if I wasnt so depressed about this XXXX point credit score drop and disagreeable bank who refused to help me. The bank is saying they are not a loan initiator and the dealer is the one I should blame. I feel like making a XXXX  % loan in the first place should not be allowed, especially for someone with a XXXX credit score that had the original pre approval in writing from the dealer. I understand the bank thinks they can use private individuals and bad actors without taking liability. I do understand this. But the practices this bank uses are very bad, and take advantage of hard working people.
Product: Debt collection

This account was open online with my consent ID or wet signature and this company refuses to remove this fraudulent account
Product: Checking or savings account

fraudulent charges were made on my bank account. The bank did not provide the information I requested. I have been calling bank customer service but they are requesting me to complain in writing which i already did multiple times but when i call citibank employees unable to find my complaint or written complaint in the system. I have been maintaining this account with the city bank since XXXX  Over a few months some company called XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX has been charging different amounts against my citibank account. 
My account has been negativesince last XXXX due to the fraudulent charges. I need CITI Bankto provide all information about the charges such as who or what device was used to make these charges from what location. I am demanding a complete reviewof all the chargersfrom the beginningof XXXX till now and refund my money for the all fraudulentchargers.
Product: Checking or savings account

Chase Bank closed my onlinebanking. my debit card and is in process of closing my checking.They have my account restricted to non-withdrawl of funds saying they will mail me a check in ten days.No prior notice. yet they are still allowing funds in but none out. I switched my direct deposits to another bankThey will not give me a reason just that the contract I signed gives them the right to do so.This all started on XX/XX/2018 pst about XXXX.Still can't get them to let me close it, get any funds or check my balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of XXXX XXXX and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my XXXX to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions XXXX XXXX affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX  Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Credit card

I made a payment at XXXX XXXX at {$500.00} to my Capital One credit card. They were supposed to refund the money through a check but they did not. Capital one then told me that they electronically refunded the payment to the bill pay issuer. I contacted the billpayer and they informed me that they did not receive any refund from Capital One and they dont have any information on where my refund of {$500.00} is. Ive been calling for days and I have no resolution to this issue and I need my funds.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Pretender lender loan servicer " Ocwen Loan Servicing '' and its robo-XXXX employee " XXXX '' is once again covering up its dirty smelly intentional fraud game tracks. I am in the process of retaining new counsel, I will respond to just one of robo-Starr " XXXX '' fraud cover up little games. Ocwen Loan Servicing XXXX is doing nothing but horsing around her barn. Attached is email evidence of Ocwen Loan Servicing robo-lawyer " XXXX '' denying me the right to discuss Ocwen fraud crimes against me before a congressional hearing. Dealing with Ocwen Robo-XXXX is a complete joke and a complete waist of time. If Robo-XXXX is looking for fights with Ocwen victims then she will get one!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX XXXX XXXX. Their investigation results came back as item was deleted on XX/XX/XXXX of 2019. They are refusing to remove it. I have evidence from when I logged onto the Transunion website stating so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. Thank you. 
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: Checking or savings account

On XX/XX/2021 a withdrawal of {$3400.00} was made from my Capital One savings account. I did not make or authorize this withdrawal. I contacted Capital One via phone when I noticed the withdrawal from my account ( approximately XX/XX/2021 ). Case # XXXX was opened, and I was told that the money would be returned to my account. As of XX/XX/2021 my money has not been returned. My attempts to resolve this through Capital One have been unsuccessful. I've spent more time on hold than speaking with an actual person over multiple phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint to the XXXX Credit Bureaus last XX/XX/XXXX and I have also been waiting for their response since then. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or were they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus is given the time to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that the Credit Bureaus are obligated to finish their investigation within 30 days and must stop reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items I found to be fraudulent and yet they are still reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$430.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Product: Mortgage

A person calling from XXXX telling from quicken loans called me, I suggested not to go for refinancing now, called my wife and told your husband is ok with the loan from us and your husband has told to take the Social Security Number from you. So we are calling you and provide us ure husband social security number.
Product: Checking or savings account

On XXXX/XXXX/2021 I opened a USAA account service has been great and running smoothly until Monday XXXX/XXXX/2021 I was out to breakfast with my family and when I went to pay I was informed by the restaurant that my card was declined. I called to find out what was going on and was informed my account has been locked from all use and that I need to verify my identity I asked why was no contact made with me prior to blocking my account and I was told that I didnt have to be notified as Im subject to verification.. incredibly frustrated I did what was asked and at XXXX MST on XXXX/XXXX/2021 I submitted what was being asked of me and given the XXXX business days turn around notice I submitted my SSN, my valid drivers license and my date of birth to : www.usaa.com/idproof I have been calling everyday since the third business day Thursday XXXX/XXXX/2021 to just be told to wait another XXXX and they will escalate my concern. Its now XXXX/XXXX/2021 and my account is still locked and I have gone XXXX days without any access to funds bills have come due and I have accrued late fees, I dont have gas for my car and I have a special needs child who needs things on a daily basis as well as XXXX other children I have asked for speak to management and my request have not been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

i responded to XXXX and equifax about negative items on my credet report on XX/XX/2018, delivery comformation # XXXX Equifax comformation # XXXX, asking them to verify these items bearing my signature and haven't heard anything from them. i understand that they have 30 days to reply to my request, via the FCRA laws before it is considered a violation with them.because this is affecting me from getting a house
Product: Credit reporting or other personal consumer reports

Contacted XXXX and Equifax for the past year to obtain credit report. Evidence was provided to confirm identity. Still can not pull up credit report. Equifax online report is not matching with currently active accounts, and Dispute was submitted.
Product: Credit reporting, credit repair services, 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 deleted : XXXX XXXX Balance : {$100.00}
Product: Payday loan, title loan, or personal loan

I opened this loan in XXXX XXXX, KY XX/XX/XXXX. I lost my job XX/XX/XXXX and could not make the payments. Can WFC really report a 17 month charge off period with 120 day late payments? But the major issue is the past due amount increases from $ 50-75 dollars each month it is reported on my credit.
Product: Mortgage

I received an insurance check for XXXX XXXX to my roof on XXXX of this year 2024, approximately XX/XX/XXXX. I called Mr. Cooper to endorse my check. They stated I needed to wait 5 business days. On XX/XX/XXXX, I submitted the check for endorsement after receiving a call from them with instructions on mailing the check to them. It is now XX/XX/XXXX and I have not received the check back. They stated to me after calling 3 times on different days that the check was mailed on XX/XX/year>. They are unprofessional and have been delaying this process for no reason. The check is in the amount of $ XXXX and I have paid the contractor for repairs. This company should not be in business and I did not choose them to be my loan servicer. My previous Loan was with XXXX and they are XXXX times more professional and provide customer service. Mr. Cooper should be out of business.
Product: Checking or savings account

I was denied an account with another business because of a XXXX XXXX Report that was made by this bank. This is a direct violation of my rights under the FCRA. I have not received any notice from the bank that they were putting a hold on my ability to be able to conduct any financial transactions. 

I am demanding that this report be removed from my account, as I have no duty or obligation to perform for this bank.
Product: Debt collection

According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get 25 hours with XXXX XXXX with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$550.00} per month or Annual Salary of {$6600.00}. Since this is my livelihood is {$6600.00} per year ; I will get a negative balance of {$6600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!
Product: Payday loan, title loan, or personal loan

I applied for a loan last XX/XX/2019 in the amount of {$620.00} the limit Im should is {$500.00} for online loans and the interest rate is extremely high my current balance is {$800.00} more than the {$620.00} I borrowed and the company isnt able to do a negotiated settlement amount with me looking for help out of this nightmare Im dealing with
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. 

The company removed the account from my credit report and added it back as an open account without my consent or knowledge. I have disputed for inaccuracies and inconsistent reporting on my consumer report.
Product: Debt collection

They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt.