23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been unsuccessfully trying to dispute ALL these fraud charges for over a year since XXXX when i first inquired about these charges with Bank of America to XXXX starting the dispute. I have been a victim of identity theft and its effecting my business, banking relationship, and cash flow tremendously because im still making payments and on the hook for charges I didnt do. My cards were stolen and its been plenty of charges made that i am paying for to remain current client with BOA that I didnt do. Everytime we do an investigation the problem is BOA 's fraud department can only look back one year so the majority of charges are not even seen by rep anymore. Also when i first started this dispute the charges could be seen but you have to wait 90 days for an answer on disputes and its no inbound calls to this department to sort out so here i am another year later still disputing this because I cant talk to anyone in department. All the fraud has been removed from previous disputes on same matter and charges have been ruled fraud that they could see and investigate but the issue is the charges started in XXXX and they are not able to be seen now by representatives. When i started this dispute the charges werent properly input so I had to wait 90 days and dispute again, so then even less charges were able to be seen from the past. This is why im reaching out I tried to resolve with the merchants but i cant resolve because i cant get information on account I didnt create to authenticate the charges all i can do is prove they were done on my card. Literally every transaction they investigated has been deemed fraud and that i didnt do it and its been adjusted on my account from my previous disputes about this same matter except the charges from past in XXXX the representatives cant see anymore. Attached are all charges between XXXX XXXX that have occured that have not been addressed due to bank of america back end system only showing XXXX month in review. 

Merchants that fraud came from are ALL charges from XXXX, XXXX, XXXXXXXX XXXX XXXX ends in XXXX my open fraud case is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PHEAA/AES continues to improperly report information based on their own internal policies while ignoring what the Consumer Laws dictate with respect to reporting information to the Credit Bureaus XXXX 

I have had conversations with PHEAA agents and when I explain to them that this behavior has the potential to generate fines against the agency, the PHEAA agents pretend to act like what I'm telling them is not correct and that their agency could never do anything like this ( WITHOUT INVESTIGATING MIND YOU ). Agents who I've spoken with over the phone most of the time sound as though they are completely new, incompetent, careless, eating while on the phone, having a bad day and taking it out on the consumer who just wants legitimate answers instead of 1st grade reading level answers, or even people who get upset when I ask why they're having a bad day. CFPB Reps, you should hear some of these agents on the phone. I'd be interested to know how many of them actually abuse controlled substances in the workplace. 

PHEAA has openly admitted multiple times to me that the payments that are made through their online portal ( with the use of a valid checking account ) would take 2 business days to process. When I ask them if they consider the payment paid on the date it was submitted, they claim no. When I ask them what would happen in the event that this action occurs right as the month ends, they admit to reporting inaccurate credit information, and that if they do and find that the payment was posted on the day it was submitted after their 2 day processing threshold, that they would reach out to the Credit Bureaus to fix the mistake. This means that they are violating the law. The agents who respond to this are also violating the law by allowing the reports made by consumers to go un-investigated as clearances require oaths. Financial Entities can not just misreport information to the Credit Bureaus because of their own policies that contradict statutes set forth by the US Government. 

Again, PHEAA acts like these complaints I make against them are ridiculous, as they've stated in the past. Unfortunately, these complaints are necessary to keep the company accountable. As of this complaint, the company still refuses to act appropriately when responding to complaints by failing to provide all information to every single aspect of a complaint. PHEAA selectively answers only some questions while completely ignoring others.
Product: Debt collection

Focus Recovery advised us of the debt after placed on Credit Report. They didn't attempt to collect ( The 30 days ) until after already on credit reports. Then advised that our Insurance statements that say " This is NOT a Bill '' and " You May Owe '' are considered notification of a debt owed to the original creditor. When asked to verify the dept and was disputed they then forwarded all medical  records from the hospital. This obtained all information of treatment and medications administered by the hospital. Focus Recovery also informed our XXXX year old son on his cell phone thinking it was mine that this was a medical debt with all the information thinking he was me. They informed him they would take legal action.
Product: Debt collection

To Whom It May Concern, I am writing to formally request validation and verification of a debt. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the alleged debt within 30 days of receiving your initial notice. Additionally, I am disputing the debt under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) to ensure that any unverifiable information is not reported to credit bureaus. 

I request that you provide documentation to substantiate the validity of this debt and confirm your authority to collect on it. Specifically, I request the following : 1. Proof of Debt Validity : Please provide an itemized statement showing the principal, interest, fees, and other charges that constitute the amount owed.

2. Legal Right to Collect : Documentation demonstrating that [ Debt Collectors Name ] has the legal authority to collect on this debt, which includes any purchase agreements and assignment contracts that link this debt to your organization.

3. Original Creditor Information : The name and address of the original creditor, along with any associated account numbers or identifiers, to verify that this debt is accurate and that you are legally entitled to pursue its collection. 

Until this information is provided, please consider this letter a formal dispute of the debt, and cease all collection activity, including any reporting to credit bureaus, until verification is complete. 

Thank you for your attention to this matter. Please send all correspondence regarding this request to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

They call with automated message that says : " if you are ____ please stay on the line and we will discuss a debt, if you are not ____, please hang up now and we will know that you are not ____. '' I called them and told them we are not the person they are looking for. I asked them how could I respond to an automated message when it was left on my message machine. XXXX said he was not aware the his company did that. The issue : if a live person was on the line, it would have taken 60 seconds to verify that _____ was not the person they were attempting to contact. But because I HAD TO CALL THEM TO STOP THE MESSAGES, that took my time to resolve their issue. I brought this up with XXXX and he hung up on me. I consider this business tactic harassment. They are " fishing '' without having to pay someone to call. Using an automated system that requires the contact to call them back is harassment. These calls continue until I call them.
Product: Credit card

I am a victim of of a XXXX XXXX and XXXX theft and the scammer somehow got access to my credit card info ( I'm assuming from my either my XXXX acct and or credit report ) and made XXXX unauthorized transactions on XX/XX/XXXX for {$2800.00} and XX/XX/XXXX {$4000.00}. I contacted them and filed a fradulent report and I sent them a copy of the report I filed with the police, FTC and FBI ( XXXX ), they informed me they would investigate. They said due to their findings I was required to pay. I had to take out a credit line from another credit card company to make the payment because I am retired and on a fixed income. This caused my XXXX XXXX to suffer as I sought means to pay them. I have always paid my bills in a timely manner and they were not willing to work with me. They told me they were sorry, but they were unable to assist me.
Product: Student loan

Currently had more than 10 loans with XXXX. My school closed they where a scam i came into fedloan tried contacting them numerous times have submitted 3 loan discharge applications and they always say something is missing on my app. I have no information from XXXX university they were a private school who scammed the community all im looking is for a loan discharge they put me on a repayment plan. I have tried to apply at a XXXX  college and i have to start going to school again start fresh because the school i recently went to was not accredited. I want fedloan to discharge my loans currently they have me on a repayment plan and although my due monthly is XXXX dollars i am scared that it can go up. I received a letter to renew otherwise i will have to pay XXXX a month their interest rate is ridiculous plus all the forms i submitt they keep deniying and the interest has been accumulating for the past 2 years to almoat 6000 dollars. When you contact department of education they say you have to go thru fedloan servicing in order for them to accept forms i have been trying this since laat year and i keep getting the run around from fedloan i think their service is a scam because they know the school i went to is closed plus they lied to their students and they keep deniying all my request
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not authorised by myself. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report. 
Below I have provided the unauthorized inquires that appeared on my report. 

-Consumers co XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXJPMCB card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I began working with XXXX and XXXX at " romerenthouse '', " house apartment in XXXX '', " XXXX di leone rooms '' ( in XXXX, XXXX ) on XX/XX/XXXX to reserve a vacation apartment for this summer, XXXX of XXXX. 

Original reservation made through XXXX, the company canceled as they said they do not take XXXX XXXX. I asked if we could make the arrangements directly through their website and began corresponding via email. I provided XXXX with my Bank of America XXXX XXXX XXXX credit card information. I was told that the card information would be needed to generate an " access code '' for contactless access to the apartment. She advised that " the charges are not going through '' and could we provide another card. 

Provided her with XXXX XXXX info and XXXX XXXX card info - same thing " the charges are not going through ''. 

Received multiple calls from the XXXX cards regarding possible fraud. I advised each that I was trying to reserve a vacation apartment and ONLY {$500.00} should go through. 

XXXX denied every attempt, and I was unable to obtain any evidence of any attempts with XXXX XXXX. XXXX also confirmed that a virtual wallet was attempted at this time and was denied. 

On XX/XX/XXXX, I received my credit card statement with XXXX fraudulent/unauthorized charges totaling {$69000.00} being made between XX/XX/XXXX and XX/XX/XXXX. This amount is double my credit limit. 

Charges were made at retail stores and/or online, hotels and other undetermined vendors. I immediately called Bank of America to report the fraud. 

On XX/XX/XXXX, a letter appeared in my online BofA account that the claim had been resolved in my favor. 

Later in the month, I received a credit card statement with most of the charges being placed back on. I called the bank which prompted a review of the claim. Many back and forth phone calls ( I can provide a timeline ). 

On XX/XX/XXXX, I received a new letter in the mail, not on the website, that the escalation and claim were denied. 

Many more many phone calls between XX/XX/XXXX and XX/XX/XXXX when I finally connected with " XXXX '' at the bank who conducted a thorough review of the claim and determined that it had been reopened and processed INCORRECTLY. XXXX assured me that she corrected it, resubmitted it and it would be resolved. She further shared with me that several ( I don't know how many ) of the charges were made by XXXX XXXX XXXX '' using a virtual wallet, via a phone number ending in XXXX using an XXXX XXXX XXXX. I DID NOT SET UP THE VIRTUAL WALLET, I HAVE NO ASSOCIATION WITH XXXX XXXX, I DO NOT OWN AN XXXX XXXX XXXX AND I DID NOT AUTHORIZE ANY CHARGES BEYOND THE {$500.00}. 

I received a letter dated XX/XX/XXXX stating the claim was being worked on followed by a letter dated XX/XX/XXXX that the claim was denied again. I receive weekly " collection '' phone calls from the Bank, I explain that the charges are fraudulent and I will not be making any payments. 

I am available to answer any questions at your convenience.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquires that i do no recognize. Experian report, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Mortgage

We (my sister and I, Sister on-loan/not deed) were given a "Trial Modification Plan" (1st  Page/Booklet: 1) and made all of the payments (Book:1/P.1-4),except last payment due to several crises, death in the family and the government shutdown (Book:1/P. 5) and Selene Finance returned last payment (Book: 1/P. 6-7) after Selene associate said "send in the payment".Selene then sends "Reinstatement Quote" without crediting mortgage payments (Book: 1/P.8), then Selene next sends "Notice Of Intent ToForeclose" without crediting account for mortgage payments (Book: 2/P. 9).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, the Bureau issued an order against Block, Inc. ( Block ), a nonbank headquartered in XXXX, California which operates Cash App, a mobile payments application through which consumers can send and receive money through peer-to-peer transfers. The Bureau found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of XXXX ( CFPA ). The Bureau also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. The Bureau further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPAs prohibition on unfair practices. In addition, the Bureau found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. The Bureau also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least {$75.00} XXXX in redress to consumers, up to {$120.00} XXXX. The order further requires Block to pay {$55.00} XXXX in civil money penalties.
Product: Checking or savings account

Paypal closed my account with no warning resulting in a returned direct deposit, a returned tax refund and are now holding over {$500.00} in funds and refusing me access to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians web site posts your FICO score as one value but provides a different, lower value to lenders. Their explanation is that the posted value is a CONSUMER score, not a FICO, however their website specifically says FICO score. So, believing I had a qualified score, I applied for a VA refi with XXXX, only to be told my " FICO '' score provided by Experian was almost 50 points lower but offered a refi at a rate higher than for which I believe I would have qualified. This smells of a bait and switch scam between Experian and the lending industry.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On Tuesday XX/XX/18 I had two pending charges from XXXX XXXX : {$72.00} for loan payment & {$25.00} for a late fee. I did not authorize them to take the payment from my account. I have sent two message to multiple employees and received no reply. The charges have since posted to my account. 
I do owe them the money but need to make arrangements. I am also considering filing bankruptcy which I notified them of in my first message.
Product: Debt collection

I have a current issue with XXXX XXXX. They agreed to pro-rate my last invoice. They forgot. I have made several attempts to resolve. I owe for XXXX. They stated, once, they were going to pro-rate the debt. I agreed to send them what I owe them. 

Amsher Collection Agency has called me several times over the past XXXX weeks or so. Each time they called, I disputed the debt. 

Today I spoke to XXXX at Amsher Collection Agency. She said the dispute ca n't be verbal but mandatory, must be in writing. I asked her to check because I thought she was wrong. 

She went on to say in order to get the dispute process started I must make a goodwill payment, what? She then repeated her statement and said yes I have called several times and claim I do not owe the debt but dispute must be in writing.
Product: Debt collection

The medical date of service in dispute is XX/XX/XXXX for XXXX at XXXX XXXX XXXX ( CTH/provider ). I communicated with CTH for months regarding their billing errors between my primary ( XXXX ) and secondary ( XXXX XXXX ) insurance companies. Providers often bill the XXXX XXXX as primary and it causes delays in payment or denials, etc. as happened in this case. I notified XXXX in writing and via telephone that this bill needed to be billed properly. They finally rebilled XXXX XXXX and it was denied. However, the Explanation of Benefits statement indicates, " We have denied all or part of this claim. However, you ( meaning me the patient ) are not responsible for paying the billed amount because you received this service from an XXXX XXXX XXXX  ( PPO ) provider ... '' and " my share '' shows as " XXXX ''. Therefore, I am NOT responsible for this medical debt. 

I ironically tried to make " good faith '' payments to AVOID going to collections as I had hoped they would get the billing corrected and accept XXXX XXXX 's decision. However, XXXX simply REFUSED to accept that XXXX XXXX denied this claim and still refuses to adjust the bill based on the fact that I have two insurance companies. They have been paid and they are not owed any additional monies. 

Despite this, CTH and National Business Factors continued to harass me, send bills, and ultimately reported me to the credit reporting agencies in XXXX of XXXX. This was despite all of my efforts to communicate, provide documentation and act in good faith. The bottom line is that I do not owe anything additional for this date of service. In fact, I am owed a refund of {$150.00} in good faith payments I made in error. 

National Business Factors used coercive debt collection tactics and did not communicate properly with me. They placed the account in " dispute status '' pending the " outcome of their investigation '' in XXXX of XXXX. I never received notification of the outcome of their investigation. Instead, they reported me to the credit reporting agencies and my excellent credit score of XXXX was reduced by XXXX points. I feel harassed. I feel like National Business Factors acted illegally in terms of fair debt collection practices. Both XXXX XXXX XXXX and National Business Factors have caused me financial hardship and stress plus damage to my credit score. I no longer use XXXX XXXX XXXX due to their harsh billing practices and unwillingness to communicate with patients regarding disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/XXXX