23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received mail from XXXX XXXX XXXX XXXX in late XX/XX/XXXX that I owed an amount of {$370.00} for regular XXXX   visit for my son. I called them and they said that charges pertained to services performed on XX/XX/XXXX and XX/XX/XXXX that was denied by my insurance, with the reason from insurance company stating that my son had another primary insurance. 

I contacted the insurance ( XXXX XXXX  ) after I received the mail in late XX/XX/XXXXand they explained that the claim is too old for them to process anymore. My complain pertains to the fact that XXXX XXXX XXXX XXXX did not make any contact with me till XXXX, and a timely follow-up with the insurance would have clarified and resulted in claim being paid. I tried calling XXXX XXXX  many times and left 3 voicemails that were never returned. 

I followed up with my insurance on XX/XX/XXXX to get more detail and they explained that my son had another insurance during that time period per their system, which was not correct since the other insurance verified to me that my son was not covered by them during the concerned time frame. 

Now XXXX XXXX has sent it to debt collection and debt collector refuses to consider the fact I did not receive timely follow-up from XXXX XXXX and it is negligence on part of XXXX XXXX  that resulted in claim not being paid and also that this could not be resolved prior to going to a debt collector. It appears that XXXX XXXX never had the intention to resolve this in good faith since they knew it was their fault. 

Do I have any recourse?
Product: Mortgage

On XX/XX/XXXX  I purchased from the United States postal service in XXXX  XXXX, Ca 5 money orders 4 for {$1000.00} each and 1 for {$560.00}. These were the XXXX ( {$2200.00} ) and XXXX ( {$2200.00} ) payments. On XX/XX/XXXX  Selene Finance LP received them and on XX/XX/2022 cashed all 5 money orders. A full payment was posted for XXXX but only a partial payment was posted for XXXX of {$280.00} missing the {$2000.00}. Instead of posting a full payment the partial posting was a direct result of the {$2000.00} being put in the unapplied funds never to be seen or credited for anything again. After numerous phone calls and emails resulting in no one trying to fix the error Selene Finance LP placed my account in foreclosure. After 16 refused payments there was a sale date. I had to hire an attorney to open probate then had to hire a bankruptcy attorney since I had to file for bankruptcy to postpone the sale. All this because no one at Selene Finance LP would fix their mistake. Where did the {$2000.00} go?? Selene Finance LP stole the money put it somewhere no one knows. They are criminals and should be held accountable for their crimes/actions. I applied for a loan modification twice and still waiting to see what might still be needed or what. XX/XX/XXXX XXXXXXXX  the last time. See the XXXX statement
Product: Student loan

I went into default, I admit it. I have been spending the last 4 years paying thousands of dollars into " XXXX '' that were supposedly helping me get out of default and rehabilitate my loan. Every corporation buried me in forms to fill out and turn in, changes in due dates and amounts due, and endless runarounds. There was always an excuse as to why my consecutive monthly payments did n't qualify for rehabilitation. 
I recently parted ways with " XXXX '' for this very reason, and attempted to consolidate my loans with " FedLoan Servicing - A Department of Education Servicer ''. I submitted all of the necessary forms to consolidate all of my loans. They, in turn, consolidated XXXX of the XXXX I had requested, then attempted to start drowning me in required paperwork and forms. They sent me a notice in the mail stating I owed {$12.00} on XXXX XXXX. Upon attempting to pay said funds, my account online showed a {$0.00} balance due, and would not allow me to pay any extra. I am praying I do n't see them report a missed payment to the credit bureaus. 
I have been working feverishly for years trying to fix my credit, and right now my student loans are the only things preventing me from doing so. My loans are revolving in a world of default that I ca n't get them out of. Please offer as much assistance as possible, I would greatly appreciate it!
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transfered and I no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written for of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say it is mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX EFS Account Number : Date of Charge Off : XX/XX/2010 Amount : {$1200.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX not valid. I have no knowledge of this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party agency. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

In XXXX i took out a construction mortgage with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX branch in XXXX of XXXX i longterm financed the home with XXXX XXXX XXXX XXXX. However i did not pay off the complete amount of construction. 5 years later in XXXX i had made no payments to XXXX XXXX XXXX, and the finally wanted to get the additional overage into a fixed finance there was a change of main bankers in company. So we get yhe amount rolled into financing. I lost my job later part of XXXX and foreclosure happened from XXXX. However XXXX XXXX XXXX  and XXXX purchased the loan from XXXX and sold the home in which XXXX made profit. However they continue to report deroggatory info on my bureaus, and it is imcomplete. They show im making payments and the amount is not decreasing but all bureaus show i havent made payment since XXXX. I have taken steps with now XXXX XXXX XXXX  and was told they will fix everything when i pay off the interest owed of {$17000.00}. I.dont belueve i owe them anything because they bought the loan sold property and made profit. Shows i paid off the loan of {$500000.00} but still shows i owe little over {$17000.00}. I need this cleaned up with XXXX equifax and XXXX and to stop reporting. I have no documents agreeing to pay this new loan number they made up. The credit bureaus just tell me information is verified and i get nothing rhey arent getting the full story
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not disclose a hack in which my personal information was compromised.
Product: Money transfers

Sent money wire XXXX XXXX, 2015 from Navy Federal Credit Union at XXXX XXXX Office in XXXX, Florida. Canceled transaction the evening of XXXX XXXX, 2015. I was told that it would be quicker than the wire leading me that it would be cancelled in time since the date of funds availability in XXXX XXXX, 2015. I called the XXXX XXXX today XXXX XXXX, 2015 and learned that my account had been credited with the full amount including the {$25.00} wire fee. I logged into my bank application the credit was not reflected on my balance in the account. I called again the XXXX of XXXX, 2015 and I was told that the procedure was the same to send as to cancel. I then called to speak with the branch manager XXXX at the XXXX XXXX XXXX XXXX office in XXXX, Florida. She stated that they had ask the bank to refund the money. I think I have received the run around from bank personnel at Navy Federal Credit Union.
Product: Mortgage

I have uploaded the supporting documents. I entered into an agreement with PNC after approval for a Conditional Trial Period Plan of ( XXXX ) months, payments of {$1400.00} on the first of XXXX - XXXX - XXXX of this year. I received a call and supplied direct backing information and approved for all ( XXXX ) payments to be auto paid. PNC for unknow reasons only took ( XXXX ) payments and decided not to process the third without informing me. I had XXXX in the back at the time to cover it. 
I was notified on approximately XX/XX/XXXX, that I was ( XXXX ) day past being ( XXXX ) days late on the last payment. I responded that I was not contacted in any way, and did not understand why that haven't processed the last payment. 
It was relyed to me : We do not send a letter. 
We do not text you. 
We do not email you. 
We may have called you but it is and unlisted number, which may come up as spam. 
We not not leave a message with out phone calls per our policy. 
I was not gioven a reason for thier failure to process the last payment. I then authorized PNC to immediately process the last payment. The processer sais no. 
I was referred to ( XXXX ) more processors each time saying they would take the payment, then stating they had to get final approval from a higher up, then saying no. 
The third processor was a lady from New York. She stated she would call me tomorrow and check the phone conversation I had to see if I authorzed all ( XXXX ) payments. 
She did call the following morning and state indeed I had. 
I then authorized once again the last payment and asked her to process it. 
She stated NO. 
They have deliberately set this program up to fail.
Product: Checking or savings account

I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the name of the business is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I discovered a check when I was going through company account that had been cashed that we had never sent to the person that cashed the check. The check amount was {$16000.00} immediately I called the company that I sent the check to and asked if they had an employee with that name they responded no, my next step was to go to Huntington bank in XXXX and report the fraud to them and I brought proof that it wasn't a check that we had written, it was something that somebody had made and then put the same amount that we had written the check for to our vendor. In the meantime, I checked my statement analysis to ascertain that I still had a security suite in place with Huntington Bank which I verified. I have been charged {$70.00} a month for fraud protection t since XXXX. Huntington bank told me that they had to do a fraud investigation and there was a good chance that I would not get my money back and I said why and they said well the security suite that you have didn't cover check fraud I was livid then I said why am I paying for this and asked them well what's it for? They really did not know so I think they made something up just so they wouldn't have to pay me. I said you guys have insurance for this type of thing and I would expect that I am going to get reimbursed. So they said they had to do a fraud investigation first which now it is coming up on two months I was told the check was cashed at a XXXXXXXX XXXX and XXXX XXXX won't contact them to discuss reimbursing Huntington that is not my problem I can not I can not afford to lose {$16000.00} because the two banks don't want to pony up the money. I personally think Huntington doesn't think that they should be accountable for this. My phone number is XXXX XXXX
Product: Credit card

I have near perfect credit - XXXX score. 

XXXX debt > {$100000.00} income No negative items on my credit report - no collections, late payments, public records. 

Oldest account > 30 years. 

I own XXXX properties, paid in full. 

I have cash assets > {>= $1,000,000}, and liquid assets of {$2.00} XXXX The company declined my card due to excessive inquiries. I sent them my credit report, there is XXXX inquiry in 5 years. 

I've spoken with the bank, they refuse to assist, and refuse to provide the credit report that triggered their decision.
Product: Debt collection

I have been with XXXX XXXX XXXX for 2 years now. I get alerts from XXXX XXXX  about everything, because I am trying to buy a home. I fight very hard to maintain a great score & do not understand why XXXX is claiming I owe {$800.00}. 
The debt is not my debt & I find their actions, along with Diversified ADU SVC unlawful. I ask that a contract is presented, so that they realize the error & remedy this accusation to all credit companies. 


Gratitude!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was preparing to send {$2500.00} to my future wife in XXXX, XXXX. The company refused my sending the funds due to, and I quote, '' XXXX, XXXX XXXX and XXXX are three countries that we do not trust based on money laundering activities and other illegal issues ''! Further, over the past year I used this country numerous times to send funds to her without difficulty. I was asked to go to another facility of the same name to retreive my {$2500.00} plus service fees of {$120.00}! I retreived the funds and went back where I started this transaction and they allowed me to send only {$300.00}. The following day, I went back and tried to send more funds but was told that my history of sending funds changed dramatically and I was denied by the company that it appeared that I could be involved in a possible money laundering scheme!! I was ordered out of the store and was denied their service at any facility under their authority. I have never been accused of any illegal enterprise activity in my life. I am XXXX with 26 years with the XXXX XXXX XXXX, as well as 15 years with a XXXX XXXX, and received many honors and awards while XXXX my XXXX. I filed a complaint with the parent company per their directive and it was sent but they still wanted to much private information about me which I felt was to intrusive. The company basically refused to discuss the issues with me. I was trying to get my future wife to buy an automobile in XXXX with the advanced funds so we would have our own transportation instead taxis or other conveyance! I plan on returning in XXXX, XXXX and would have paid the balqnce of the car with my funds. That was the reason for sending {$2600.00} to her via transfer. The company making the remarks of my illegal dealings in the XXXX was totally unjustified! I am considering retaining my family attorney in defending me based on defamation and slander of my character. Thiis issue was totally uncalled for and to accuse me of a federal offense, which is punishable with 14 years in prison if convicted. At this time I can not send funds because of this matter. Another company who I asked for this service refused based on the issue with the current company in question. In other words, my character and name have been vilified by false accusations made by this company. This issue should have never happened and I hope justice will be served!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; Trans Union ; and XXXX. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly 700 to 577 without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXXXXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, XXXX XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in XXXX, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
Product: Money transfer, virtual currency, or money service

I am XXXX. I used XXXX to purchase a XXXX XXXX XXXX from a XXXX XXXX XXXX in XXXX XXXX, Il. I sent {$3500.00} by XXXX Wells Fargo on XX/XX/2022. The XXXX salesman scammed me into sending the money to his personal XXXX  account. He said his account was linked to the dealer. Before my XXXX  was shipped, the dealer owner discovered the theft. Police were called. I was assured I would have the XXXX  I paid for in full. I also paid {$1500.00} by debit card for a total of {$5000.00}. This is the {$5000.00} purchase price in full of the XXXX. 

I have never gotten the XXXX or my money back. The XXXX dealer returned the {$1500.00} paid by debit card. I complained to XXXX on XX/XX/2022 and on XX/XX/2022 they denied my email. I complained again to Wells Fargo and on XX/XX/2022 they refuse to cover any of my loss. 

The XXXX dealer does not return my contacts.
Product: Vehicle loan or lease

The loan has already been paid off have notified Navy Federal, credit Union, and all The credit bureau I have email all the documents mailed all the documents to them. They confirmed it and I have heard nothing back from them and Navy Federal is still trying to get paid again for the car that has been paid off. This is not good business.
Product: Debt collection

These people claim to be with Harris and Harris, and keep calling my new line even though I have repeatedly told them to stop, as I am not the person they're trying to bilk. They told me that they would remove my number from their system, but still I get multiple calls from them every week. They make a robocall from XXXX ( XXXX ) XXXX, asking me to call them back at XXXX ( XXXX ) XXXX. I have called both numbers to get them to stop, and they refuse to do so. They have hung up on me a number of times.
Product: Student loan

I have filed repeated requests for my annual student loan income based repayment plan and submitted the required documents to my servicer, Nelnet.

Nelnet keeps " losing '' my documents and refuses to process my request. They give no explanation why and will not escalate my case.