23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Okay, so short story is, I was in a XXXX XXXX on XX/XX/2017. My car insurance ( XXXX XXXX ) was supposed to pay the hospital and emergency ambulance bill. They paid neither. I found out when my credit score took a 60 point hit when XXXX XXXX XXXX popped up with the ambulance debt to XXXX. This is when I discovered they paid neither bill. I had to pay the hospital bill, and I contacted XXXX XXXX to explain that I was promised all of this was taken care of by the insurance company I had been with for three years. 


The rep, on a recorded line, refused my insistence that this either needed to be sent to my insurance, or my health insurance applied to it. He said it was " 100 % my fault, and I was the only one who would be paying it. '' I refused and told them to contact my health insurance or car insurance, both of which were furnished to XXXX at the time of the accident. I've been called several times since then and they still refuse to accept that I'm not paying the full amount. My health insurance has a deductible for ambulance rides of {$120.00}. If my insurance company lied to me and is refusing to cover the bills I paid extra for them to cover, then my health insurance should have been applied. XXXX XXXX is refusing either and insisting I pay the full amount. My phone line is recorded. I have these conversations.
Product: Debt collection

I just received this collection of debt on XX/XX/23. Although, I did go to the XXXX XXXX  ( XXXX XXXX XXXX ) during those dates ( XX/XX/23 ) I never received any carethey only drew XXXX  from me and XXXX  were performed. I was never omitted into the XXXX XXXX. I waited in a waiting room for an hour and then gave up and instead went to a different hospital where I received care immediately and have paid them. 

I had a very XXXXXXXX XXXXy and could have had a XXXX at any moment. This could have resulted in my XXXX. The bill from that hospital ( SVMC ), where I received care for several hours, is almost the same as this bill! How does that make any sense? 

I was hammered with a {$950.00} XXXX XXXX XXXX from XXXX XXXX. for just walking in the door and sitting in a waiting room. I have no issues paying the labs ( although, I was never given the results ). 

The collections agency that sent me the bill is : XXXX XXXX XXXX, located in XXXX XXXX, NY XXXX. 

I never received the original bills from XXXX XXXX because they used an old address for me. I still followed up through their billing portal, updated my address and noticed there was no amount due. At that point, I thought the matter was settled since I never saw a Doctor.
Product: Checking or savings account

On XX/XX/XXXX my bank that I had for years was closed and all accounts were transfered to BBVA. From day one there were issues with almost every communication that was sent previously to prepare for this merge. 

Then the day of I was unable to access my funds, a few hours even a day is understandable. I had to call NUMEROUS times to finally get through and get signed in. 

I quickly moved all my funds out and requested that all of my accounts be closed. 

They replied saying they have removed my savings from my online banking ( they didn't ) to which I replied I need my accounts closed and received no answer. 

Additionally I have tried to call numerous times today ( XX/XX/XXXX ) with no response and constantly being hung up on. 

I just want my accounts closed because I K ow they are going to try and force me to pay fees for some reason since this entire relationship has been full of lies.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments & I OWED {$2600.00} open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXX, XXXX XXXX missed late payments opened XXXX, XXXX XXXX XXXX XXXX XXXX late payments on XX/XX/XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX. They are not the Original Owners 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 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 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my wife contacted XXXX XXXX to get a preapproval for a home loan for us. She was told that in order to get that done, they will have to pull her credit. She is well aware that I dont want my credit pulled again. She gave her information and they pulled her credit and they pulled mine. She did not give the consent to pull mine. They even got my name wrong on the credit pull. They just use my first name with her last name assuming that we have the same last name. We tried to get it the pull removed but they say my wife should already know that pulling her credit means pulling mine too. They reviewed the conversation and true, they cant find the consent from my wife. They must have used the number from the old file to make the pull. Weve been in contact with the executive office and when she told us that, we requested that she put it in writing but she refused to do so.
Product: Debt collection

I owe about {$2200.00} to Synchrony Amazon, ( which is the bank that collects funds for debts owed to Amazon.com ). I am not able to log into the Synchrony Bank website to try to pay the debt with my credit card online. I sent a letter in the U.S. Mail to Synchrony Amazon and it came back returned without being opened because the laws of the U.SXXXX government are required to do that in the case of defaulting on debt payments. Their website states that I must call them on the phone. I refuse to call them on the phone. They are required by law to send me a statement in the U.S. Mail along with an envelope for the purpose making the payment via the U.S. Mail. They are deliberately trying to circumvent that method of being paid because of the marketing policies that concern their brand name as a big reputable bank. I want them to send me a statement immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX TN ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Despite providing this information and the successful removal of the fraudulent account by other credit bureaus, your bureau has inexplicably chosen to disregard the validity of my dispute. This blatant refusal to acknowledge the fraudulency of the account and its persistence on my credit report is not only unjust but also a direct violation of my rights under the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. This situation not only tarnishes my creditworthiness but also violates the Fair Credit Reporting Act ( FCRA ) by seemingly ignoring clear evidence of identity theft. 
XXXX XXXX XXXX  PLEASE DELETE!!! XXXX and XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough investigation into this matter, with a focus on acknowledging the identity theft and the fraudulent nature of the account in question. The continued presence of this account on my credit report has far-reaching consequences on my financial standing and is causing considerable distress. 
The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported.

Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXX-dismissed Reference number : XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy.
Product: Consumer Loan

American Honda Finance Corporation deducted two monthly automobile payments from my payment account for XX/XX/XXXX. They blamed this on their newly re-designed web site. No means to email complaint to company. Contact us tab on website has no mailing address of Corporation. Only an XXXX number to call. Upon calling, and listening to numerous canned prompts, and being told expected wait time would be two minutes, but turned out to be 19 minutes.
Product: Credit reporting or other personal consumer reports

This is my final warning! I recently conducted an investigation into my credit report, and it left me in XXXX XXXX. I unearthed numerous unverifiable, invalidated, inaccurate, and highly questionable items that your agency has failed to ensure are reported accurately. 

Under the Fair Credit Reporting Act, it is imperative that every detail on my credit report is 100 % accurate. Yet, it's evident that under both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are blatantly violating this requirement. I am attaching copies of all previous correspondence for your immediate attention. Consider this your last chance to rectify this egregious error!
Product: Credit reporting, credit repair services, or other personal consumer reports

There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent JCPenney account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Hard Inquiries Were NOT Authorized : XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have multiple savings accounts & have been losing $ with the interest fees. Please put that $ back into my checking accts
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX of 2024 I sent {$100.00} through PAYPAL to my debit card through their apps option " send to debit card ''. The money was taken from my Paypal account but never transferred to my bank account. I called on the XXXX after seeing this and they tried to blame their sister company who I did not go through and of course had no record of the transaction. They told me to open a case so I did. After the 3 days i was told to wait for a response I called to let them know nothing has happened. They walked me through cancelling the case so they could expedite a refund. I then realized after printing my transaction record there were two more transactions, done the same way, that they never sent XX/XX/XXXX for {$97.00} and XX/XX/XXXX for {$150.00}. I mentioned this and got hung up on. Called the next day and was told I didn't do the transfer right. I sent screen shots that I absolutely did do it right and do it through their app and played phone tag until yesterday, XX/XX/XXXX I was finally told I was owed a refund after I called demanding a supervisor because it had been weeks and I have no more time because my rent is due YESTERDAY. I was put on hold so the supervisor could see about expediting the refund and yet again hung up on. Today I was told they had to file disputes and their hands are tied on the time frame but to be patient because they assure me everything will be refunded and I will get a provision for PART of the XXXX XXXX transactions in TEN DAYS. NONE OF THIS IS OK!! That's {$450.00} of my money they are just holding onto and its already been over 2 weeks. I have 2 kids and my rent is due. My landlord does not care about Paypas time frames. Why cant they tell me any information on where they sent the money since I sent my bank statements showing it was not sent to me? Why cant they just cancel the transactions? Why only offer provisions on 2 of the charges and why do I have to wait yet another 10 days?? Usually to get a refund you reach out to the other party and I am the other party and I say do it yet they just cant? How is any of this ok considering Ive sent all documentation showing the money was taken and showing it was never received??? how am I supposed to tell my kids we're being evicted because Paypals time frames and poor guidance and customer service are somehow my problem and the reason we will be homeless?
Product: Credit card or prepaid card

On XX/XX/2022, I placed a take out order at a local restaurant. When we arrived to pick up the food, the restaurant was permanently closed. We immediately contacted the credit card that we had used for this purchase - TD Bank- to get a refund. We were told that we had to contact the company that we had paid. Since the restaurant itself XXXX XXXX XXXX XXXX XXXX ) was closed, we contacted the company XXXX XXXX XXXX that had facilitated the credit card charge and asked for a refund.That company said that the closed restaurant had another branch and they ( XXXX ) would try to get the money back from that other restaurant. We made repeated calls/sent emails to XXXX and they eventually got back to us and told us they couldn't get our money back. At that point, we called TD bank again ( probably XXXX? ). TD said that they would look into it. Since then, I have called TD half a dozen times. Until yesterday, no one has ever gotten back to me nor have I received any communications about this issue. Yesterday, I received a letter from someone in the " Customer Cares/US Fraud Management Office '' with a number for me to call to discuss this issue. I spoke to that representative today and she said that my original request to file a dispute came more than 90 days after the charge ( not accurate because I called right after we discovered the restaurant was closed and at that time they did not tell me that there was a time limit to contact TD again while we tried to resolve things with the merchant ). The TD bank representative said that they will open a new dispute for me- which might be approved or denied- and I'll hear in 90 days. I can not tell you how much time I've spent on this issue. I've made at least ( since XX/XX/2022 ) 7 phone calls to TD bank. I just want my {$67.00} back. This was fraud - I paid in good faith for something and did not receive it. My repeated attempts to get the money back have failed. Please help me!!! I know you deal with much more serious issues and I'm so glad that you are in existence. But I would really like to get a refund. Thank you! XXXX
Product: Consumer Loan

I somehow got multiple paypal accounts with XXXX different emails but the same social security. I was signed up for the credit portion billmelater AKA paypal smart connect. I was not informed that I had a XXXX credit card with paypal. I set up payments with my bank for products yet I keep getting calls stating I am late on a payment. I can not find such late payments on the paypal sites even after signing in with each separate email address. I can not figure out how to access the site properly and when I contact paypal via emai they never help other than send me a generic email that does not wnswer my questions. I had set up scheduled payments via my bank account and now it says on paypal that I can not set up scheduled payments until bank account confirmed- WHICH it is confirmed since I have been making payments with this bank account all along. I am confused and I can not figure out how to use the NEW paypal website. I can not access transactions and I believe paypal has made its site confusing just to add late fees and extra charges. I am beyond frustrated and angry with paypal and my accounts are so tangled up and confusing that I do n't now what I actually owe and how to get help from paypal ironing this out. I do not want MULTIPLE accounts and I am tired of getting calls stating I am late when I can not find anywhere on the paypal site nor from my emails that I am late on any payment. Other than phone calls from paypal, I am current on all my accounts. Something is not right and I need help figuring it out.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on credit reports. Despite my submission of clear evidence supporting inaccuracies, XXXX has neither corrected nor removed the disputed items, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting systemic violations of the FCRA, including : Failing to forward consumer-provided evidence to furnishers during dispute investigations, as required under 15 U.S.C. 1681i ( a ) ( 2 ). Accepting incomplete or unreliable responses from furnishers, in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Failing to provide consumers with proper notification of dispute outcomes, as required by 15 U.S.C. 1681i ( a ) ( 6 ). These issues align with my personal experience, where XXXX has neglected its duty to perform a thorough reinvestigation of my disputes, as mandated by federal law. The companys failure to take appropriate corrective action has caused ongoing harm to my credit standing and violates my rights as a consumer under the FCRA. I am requesting immediate corrective action to remove or rectify the disputed accounts and provide a detailed explanation of the investigation process, including any communication with data furnishers. XXXX failure to comply with its legal obligations has had significant financial consequences for me. If this matter is not resolved promptly, I will explore further legal remedies to ensure my rights are upheld.
Product: Debt collection

I received a letter dated XX/XX/XXXX from Lamont , Hanley & Associates that stated that I owed {$150.00} to XXXX XXXX XXXX XXXX XXXX. There was no other information included. 

I remembered an issue with XXXX XXXXXXXX XXXX back in XXXX. Three years ago, so I looked up my credit card documents and saw that I paid Lamont , Hanley & Associates exactly {$150.00} on XX/XX/XXXX and I haven't heard from them since, until today. 

They are trying to extort the money I already paid a second time, assuming that I don't have the record of payment almost 2 years later. They need to have their accounting audited since this is clearly fraud and shows a company who's accounting should be held to the highest standards. 

I have tried to call them but it goes to voicemail.
Product: Debt collection

Credit Collection XXXX informed me that I owe XXXX XXXX XXXX {$210.00}, but in my communication with XXXX XXXX, I do not owe them because I already settled and closed the account, and also the account is already under a different name and a different address and that person is the one who have an unpaid balance in the amount of {$110.00}. I emailed and fax them to let them know about it and explain to me why they think I owe XXXX XXXX, but I do not receive any answer from them, and probably they are the one who always call me and put me on hold every time I answer the call ( XXXX )
Product: Debt collection

I have advised all debtors that I was unemployed for 7 months in XXXX. Started a new job XX/XX/XXXX with decrease in annual salary for two years and was recently terminated in XX/XX/XXXX. I notified all current debtors and attempted to work out some alternative regarding making payments in which a couple agreed others wanted me to pay debt in full regardless. I just started a new job two weeks ago. I have no idea of who Enhanced Recovery or ERC is I am only aware of the name by the caller ID on my phone. I receive several phone calls daily by ERC or Enhanced Recovery every day Monday to Saturday they call multiple times per day from different numbers and states but leave one voicemail threatening to complete wage garnishment papers under my name and social security number and place a lien on my checking account if I dont contact them.
Product: Mortgage

Homeowners were put into a predatory sub-prime loan in 2010 with CitiFinancial. The loan was for {$120000.00} although the house was only worth about {$45000.00} at the time of the loan origination. Homeowners are senior citizen, retired XXXX homeowners whose home is in a predominantly XXXX neighborhood with declining home values. The interest rate was 10.3092 % Homeowners have been unable to refinance out of this loan because of the lack of equity. Homeowners have been trying to obtain a loan modification with CitiFinancial, but CitiFinancial has refused to work with them.
Product: Student loan

I was enrolled in XXXX XXXX XXXX for a month for XXXX XXXX  and XXXX until they got my FASFA and my loans and then they got a background check on me and because of my past they keep me out of school after they got my money it's called a scam I think!
Product: Money transfer, virtual currency, or money service

Got hacked on cash app and couldnt get anyone to fix the issue had over XXXX dollars taken and sent to a bunch of people on some online currency