23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have opened an XXXX  XXXX card with Citi bank and I am the primary holder which advertised as it has the admirals club benefits which also allows you to access the XXXX XXXX if you are flying with them. However I got refused to enter the lounge as no admirals club printed in the card. 
I have connected with a customer service agent named John and he suggested me to connect the airline to see if the card is active and can not understand the question except sending me copy paste messages.

Other than this, the card originally sent to me was lost, and eventually cost 20 days for receiving a card, and then the card was locked due to just adding it to apple wallet, and after connecting to customer service, I have the card unlocked, and then I got locked again because they said I was failed to validate my identity when I first connect with them, while they unlocked the card for me like I stated before- so unlocked the card while I am not verified? 
I dont understand and I dont recommend any other consumers using Citi bank
Product: Mortgage

We opened a home equity line of credit with US Bank on or about XX/XX/XXXX At the time we applied, there were several important stipulations that the loan agent did not disclose at the time we applied : 1 ) There was a {$90.00} annual fee for the account that began 1 year into the loan 2 ) If we attempted to close the account prior to a 3-year period, regardless of the balance, we would pay a penalty of 1 % of the total line of credit, not 1 % of the outstanding balance, if any, 3 ) We assumed the the total line of credit was an arbitrary amount up to us to decide based on the equity in our home, but at no time was the 1 % penalty tied to the credit line ceiling. 

Our main concern is # 2. When we applied we took the largest line of credit {$55000.00} for which we qualified. We were never told that we would pay 1 % of that amount as a penalty for closing the account " early ''. 

We paid off our home equity balance of {$11000.00} this month. So even though we have a zero balance we can not close the account unless we pay 1 % of {$55000.00}, an amount which we never borrowed but theoretically was available to us if we chose to borrow. 

I found this all out when I called to close the account. I was told that unless I wanted to pay that {$550.00} I could wait until XX/XX/XXXX at which point I could pay the {$90.00} annual fee and then the following day ( being the end of the three-year period ) I could close the account with no further obligation ( either with the annual {$90.00} fee or the penalty ). 

So I have no alternative but to keep the account open, pay {$90.00} for an account I no longer want nor need. I think this is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

I have called numerous times as well as the hospital and my medical insurance company and the hospital/Insurance company has said I owe no debts and the collection agency has been ruining my credit by saying I owe {$940.00} for an ER visit. My insurance company said they were trying to help relieve me of this fake debt that I do NOT owe. Also when I have called the debt collection agency, they have given me numerous dates on when I was supposedly at this ER visit in which on one of the dates they had given me was physically impossible for me to be at the hospital because I was actually in a program for XXXX woman at the time. The agency name and information was given to me as follows : ARS ( Account Resolution Services ) but is listed as XXXX XXXX XXXX XXXX XXXX on my credit report and the address is ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX. And Telephone number is ; ( XXXX ) XXXX. When I called I could hardly hear the woman speaking through the static or understand what they are saying in my experience and I was given 3 different dates in the years of XXXX and XXXX. I contacted the hospital and they expressed that they do not use this debt collection agency and have told me I have XXXX debts as well as my insurance company has said they have paid all my medical expenses! Please help me fix this because it is ruining the credit I am so badly trying to repair! Thank you kindly!
Product: Credit reporting or other personal consumer reports

I am complaining about the way two closed federal student loans are being reported to credit reporting agencies. The accounts shows up as being from from : US DEPARTMENT OF EDUCATION, XXXX XXXX XXXX, XXXX, TX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) The account numbers are XXXX ( Equifax shows this as account XXXX ) and XXXX ( Equifax account XXXX ). Here is a history of the loans : They were in default prior to XX/XX/XXXX. In XX/XX/XXXX I applied for consolidation through XXXX XXXX and this removed them from default by XX/XX/XXXX. The loans were paid in full by consolidation. The debt was then purchased/transferred to XXXX and XXXX XX/XX/XXXX the loans were discharged ( forgiven ) after I qualified for the Biden administration 's Income Driven Repayment ( IDR ) adjustment. 

The issue I have is that during the CARES Act ( Pub. L. 116136 ) pandemic student loan pause, the U.S. Department of Ed had reported the loans as delinquent to credit reporting agencies, even though no payment was due, and loans were not subject to collection. See : https : //studentaid.gov/announcements-events/covid-19 ( " Because of the COVID-19 emergency, we stopped collections for eligible defaulted loans. '' ) However, my Equifax credit report is showing the loans as 120 days past due for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The loans show up as being in collection during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I had filed a dispute with Equifax, and in result they reported " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. '' Thus, I believe that the U.S. Department of Education is incorrectly reporting the history of my loans to consumer credit reporting agencies. Short of a lawsuit, I do not know how to get Ed to correct what they report. 

Federal law prohibited collection of federally-held loans during the pandemic, yet Ed is reporting their loans as being " in collection '' during this period. Subject to the Fresh Start Initiative, the Department of Ed promised not report defaulted loans as in collections anymore. See : https : //studentaid.gov/announcements-events/default-fresh-start ( " Starting in XX/XX/XXXX, we began reporting defaulted loans held by ED as 'current ' rather than 'in collections ' to credit reporting agencies. '' ) This has not happened in my case.
Product: Money transfer, virtual currency, or money service

I received a payment from a friend and Venmo froze my account right away. They claim to have emailed me a form to upload my id but the email they speak of goes to a page that can not be found. Ive emailed countless times and I just want to transfer my funds and be done with them
Product: Debt collection

I cancelled Pay Pal and closed the account. Now they are trying to collect monies on the closed account.
Product: Credit reporting or other personal consumer reports

Data breach information used improperly thru Experian and two other credit companies
Product: Debt collection

I offered to pay in installments but they refused they had to have it all at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX   since XX/XX/2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Debt collection

Starting XX/XX/XXXX they have been calling 5x a day. I paid part of my payment this month because I couldn't afford the entire payment. They have been harassing me since. They leave a voicemail but do not say what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know who this collection companies are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have I ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency. If you can not provide me a SIGNED DOCUMENT and not a statement of accounts of this collections within 30 days from this dispute, please get them deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

I have contacted Credit Karma 11 times recently regarding this issue. When I sign into my account with password, it goes to a two step verification to send a code to my phone. The phone listing they show is an old land line number not in service. I've attempted to change to my mobile phone number and receive a message my mobile number is assigned to another account. I have two case numbers they gave to me. Case # XXXX and case # XXXX. They had requested for me to send them front and back copies of my drivers license and copy of a utility bill which I did twice. One concern, is they now have my identification with no further communication from them, and nothing has been corrected, the concern is has someone from Credit Karma stolen my identity. This problem just started occurring recently. Before this problem started, I had no problem logging onto my account and I have had my mobile phone number for several years. Somehow they changed it to an old landline recently. I would like for them to correct my phone number so I can monitor my account to prevent I.D . theft. I have spent hours on their website trying to make contact with them, impossible to do. They make it very difficult for someone to file a complaint or contact them. Thank you for any assistance you can provide.
Product: Vehicle loan or lease

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by Jefferson Capital Systems for a vehicle that was repossessed in 2020. The trade line is demanding I pay {$11000.00} owed to XXXX XXXX XXXX. 

Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have finally found employment ( $ XXXX at a XXXX  ) and have been able to save, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$2000.00} as payment in full since the car was sold shortly after being repossessed ( XXXX check shows it has a new owner ). I saved up money, so if you could accept {$2000.00}, I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. 

If you agree to these terms, please mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$2000.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payments or credit that gas given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least XXXX  days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

1.XXXX  Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX 6. XXXX XXXX Account # XXXX 7. XXXX XXXX Account # XXXX 8. XXXX XXXX Account # XXXX 9. XXXX Account # XXXX
Product: Vehicle loan or lease

I was overcharged for a used XXXX XXXX XXXX that was financed through Credit Acceptance Corporation XX/XX/XXXX. The price of the vehicle was initially XXXX but changed to XXXX when the vehicle was purchased. I never received a bill of sale from the dealer XXXX XXXX. Also I am paying XXXX bi weekly and my credit report is still showing late payments. I was out of work from XX/XX/XXXX through XX/XX/XXXX and credit acceptance would not let me defer a payment. Instead they put me on a payment plan and Im paying close to XXXX per month but its still reporting as late on my credit report.
Product: Bank account or service

Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has downgraded my crdit score from XXXX to XXXX. All the other credit reporting agencies still have mine in the XXXX area. XXXX has recently been reported having incorrect credit scores that have adversly affeted consumers. 
Looking at the details in XXXX on my report, nothing significant has changed and and everything is reported that all payments are on time and no bad debt. 
Wht can I do to have them fix my credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Number : XX/XX/XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

We have had our XXXX XXXX co drop us for just filing 2 claims in 3 years for home property. We were told that we were dropped due to the claims with Lexis Nexis history showing. this insurance ends in XXXX XXXX both claims were weather related with no control from our end.We never file home owner claims, it has been years. 
We are still not in receipt of the report ordered 2 weeks ago. 
XXXX and XXXX both askes us to call. 
I called their XXXX number and still no report. 

Please contact them and XXXX they say to get this report for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have tried on multiple occasions to pay my mortgage. On XX/XX/XXXX of 2023 I paid XXXX dollars because Mr. COOPER keeps reversing the payments as if I havent paid. I spoken with someone multiple times about thr issue and they are reporting to my credit bureau that I haven't paid. They keep reversing the payment to try and force me to refinance or go to a plan they have at a higher interest rate. It states I've been behind since XXXX and I have made payments through their o line portal, with a representative and each time they say their system is messed up. This issue needs to be fixed along with a letter regarding reporting on my credit
Product: Debt collection

Dear CFPB, On XX/XX/XXXX I was hospitalized for a procedure at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX operation. My entire stay in the hospital was less than 2 hours and half hour of that was taken to fill out the paper work. The insurance company XXXX did not pay the hospital bill for the following reasons : On XX/XX/XXXX the XXXX XXXX XXXX XXXX wrote to me ( document in my possession ) : you are not responsible for all the related costs. 
My insurance company XXXX XXXX refused to pay the hospital bill ( see Exhibite A ) CMRE a collection agency bought my case from XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX received judgement against me to pay them about {$22000.00} ( the total hospital charge was {$14000.00} ). I lost the case because I was representing myself. On the same day I appealed the case and hired a lawyer with name XXXX XXXX XXXX to go to the appeal court in my absence, as I was out of the country. The lawyer missed the appeal court and I lost the case On XX/XX/XXXX, CMRE the collection agency started a motion against me to extend the judgment for 10 more years and claimed total of {$41000.00} including interests. Fortunately the judge discovered that they were wrong in their calculation as they were calculating % 10 interests on the combined judgement and interest which resulted about {$6000.00} over charge and the judgement was reduced the debt to {$35000.00}. This made me think that they have used the same wrong calculation for a lot more people ( this collection agency is a big company ). 

On XX/XX/XXXX My lawyer  XXXX XXXX wrote to them and made an offer of {$5000.00} for the settlement or he would go ahead and file suit againg the medical provider for fraud and negligence. 

CMRE has put a lien on my property. 

As my lawyer missed the appeal court I complained against him to the Bar Association and after 3 years Bar decided to suspend the lawyer license as there were 10 other cases against him. 

I would request that Consumer Financial Protection Bureau for a solution and/or a dialog with CMRE to come up with a settlement agreement so I will be able to pay base on my ability. 

EXHIBITE A There has been inconsistencies and excessive billing which raised questions about the validity of records provided by the hospital. 

The hospital in their appeal to the insurance company did not provide additional information insurance company requested to support the billed services. 

The type of XXXX  was XXXX but the XXXX  orders states that the type of XXXX is XXXX The history and physical states that the patient is currently on no XXXX. However the XXXX XXXX XXXX checklist and XXXX XXXX XXXX states that the patient presently takes XXXX, XXXX and XXXX.