23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My daughter was injured on XX/XX/XXXX and transferred from one hospital to another by ambulance. ALL of the bills were paid using my Medical FSA in the year the accident occurred. XXXX XXXX  after the accident in XXXX of XXXX I received a bill for {$2100.00} from XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX. I immediately requested an itemized bill and indicated that the request was for a service that occurred XXXX XXXX XXXX  and i was under a different insurance and worked for a different employer and had I been presented that bill in a timely manner I could hav used my FSA   at the time. I NEVER received another bill from XXXX. IT went to United COllections who sent a bill for the {$2100.00}. I disputed that bill with a written letter stating exactly what I stated above, that I asked and never received an itemized statement, that the initial charges came XXXX XXXX XXXX after the accident and that Im now under different insurance and could NOT use my current FSA to pay that XXXX year old bill. They NEVER sent a second request for payment, instead United COllections turned my debt over to the credit bureaus and it went on my SPOTLESS credit report. 22 years of maintaining SPOTLESS credit was ruined by XXXX  XXXX XXXX and United Collections neither of which sent me any communication in a timely manner and never responded to my written disputes.
Product: Mortgage

I have had multiple phone calls with XXXX XXXX to try to fix this issue since XXXX of XXXX. Multiple cases have been opened and there was part of the issue fixed in XX/XX/XXXX. More cases were open to fix the second part and nothing has been done since. 

XXXX XXXX did not pay my property taxes in XXXX of XXXX. In XXXX of XXXX, I received a tax bill from the City with increased property taxes, supplemental taxes, and penalties and fees. I have a tax abatement on my property that the city took away for XXXX which retroactively impacted my XX/XX/XXXX tax payment and XX/XX/XXXX tax payment. They took the abatement away because of the missed XX/XX/XXXX tax payment. 

My tax bill was {$1100.00} in XXXX of XXXX and should have only been {$1200.00} in XXXX of XXXX. 

On XX/XX/XXXX, XXXX XXXX debited my account {$1900.00} for city taxes, {$810.00} for supplemental taxes, and {$78.00} in tax penalties and fees. After multiple phone calls, a property tax refund was issued for {$890.00}. This was a credit for the {$810.00} supplemental taxes and {$78.00} in tax penalties and fees. 

I have tried to get XXXX XXXX to refund me the difference between {$1900.00} in city taxes and the {$1200.00} that was actually due. I should not have to pay the higher city taxes because of a mistake on XXXX XXXX 's part of not paying my XX/XX/XXXX taxes. Each time I call I get told a case is being opened up. In XXXX, I was told my case was being expedited to a team who would give me an update in 4-5 business days. 

I called back in today and was told to send a message in the portal and then call back and try to speak to a supervisor. She told me she did not have a process that could help me other than to try to find a supervisor to speak to.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX  ( Finance ) XX/XX/2024 XXXX XXXX ( Finance ) XX/XX/2024 XXXXXXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 {$1200.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Previous Address ( es ) XX/XX/XXXXXX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These were all on XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX  I attempted to pay a bill from my cash app account in which I had loaded cash on a few days prior And I get this message after I was unable to complete the bill pay to internet provider that I had violated there terms of service. They allowed me to transfer my money and set up a new card to transfer the {$39.00} in the account so I could pay for work retaliated stuff. However they refuse to tell me why they closed my account and banned me for life. This is how I was sending money to my daughter is the main issue right now. They refuse to give me any information about how I violated there terms of use. But just their disclosure that tells me nothing because Ive done nothing wrong. If I had done something wrong. Dont I have some right if an explanation if only a miminmal one?
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Federal Trade Commission Identity Theft Report and Equifax refuse to remove the information listed on the FTC Report from my credit report.
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the late payments on my credit report under federal law. They had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint of my own accord and do not consent to verification in response to Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, email- XXXX I am a victim of the XXXX XXXX bankruptcy. My complaint is with law firm of Stretto, who has been assigned to payout proceeds of the bankruptcy settlement. I have yet to receive my funds. They do not answer inquiries, they have failed to payout my distribution due to their incompetency, total disorganization, and complete lack of regard for persons affected by this bankruptcy. I was supposed to receive my money on XX/XX/year> and their codes to redeem crypto distribution failed to work right from the start. 6 months later and we are still nowhere and they don't even answer inquiries and I have yet to be paid out. I have sent them 4-5 emails providing information that should have allowed them to pay me out but I am still waiting. They are sitting on XXXXXXXX XXXX XXXX of dollars from this case and they refuse to pay myself and others out. Please help! 
XXXX XXXX XXXX
Product: Debt collection

Dr Sirs, I Am contacting you in regards to Shellpoint original # XXXX ditech acc # XXXX they have written letter # XXXX that will be attached .In this letter dated XX/XX/XXXX from their recovery dept .that this account will referred for additional collections .from that date have been contacting via phone leaving messages twice a week since then. 
This XXXX # XXXX was DISCHARGED in XX/XX/XXXX with the then note holder Conseco.Furthermore in the decision past down from supreme court of new york county of XXXX county in XX/XX/XXXX with green tree and was granted relief therefore contract is null and void now .They were granted seizure of collateral .Greentree serving llc did not due diligence in perfected the seizure of collateral with XXXX county court and XXXX county sheriff dept as is per New York state law. 
It is further noted in letter that Shellpoint mortgage servicing said to advised that they CAN NOT bring legal action to collect this debt or threaten to do so in state of ny due to statute of limitation has expired however they keep calling and sending mortgage statements .Furthermore they state in said letter that they may report to credit report bureaus. 
As stated earlier that this dept has been discharged in federal bankruptcy court 19 years ago.we no longer have any responsibility for said debt.they are trying to collect on and would be a violation for bankruptcy court.Debt collectors can not try to collect on debts that were discharged in bankruptcy. Once the debt is discharged by the bankruptcy court, the discharge permanently bars the creditor or debt collector from collection of the debt.we have also contacted the credit bureaus to have it removed once already CFPB # XXXX
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX  LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number ( # XXXX ). I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report my score was XXXX last month and this month it dropped 37 pts. I have paid all my revolving and loans on time and this is not correct nor accurate. I called on XX/XX/2020 to dispute this decrease as I have no past open collection accounts or over due accounts. 

My email is XXXX And number is XXXX XXXX XXXX XXXX That 4 digits of ss # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then XXXX %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on 1-2 yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THIS IS A LIST OF FRAUD INQUIRIES XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX XXXX date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have tried repeatedly to fix my phone number on their system. In XXXX, XXXX and XXXX. 
Without the correct phone number I can't get texts from them and log in to unfreeze my credit. 
I need to unfreeze my credit to work with my bank and Experian refuses to help and has not fixed this issue in the XXXX years I have been calling them to do so. 
I have spent a few dozen hours on the phone with them and can't get my credit information, log in to my account or unfreeze my credit. 
Right now all texts from Experian go to an unknown ( to me ) phone number. 
I have no idea who owns the number or what information they are getting about my credit.
Product: Mortgage

Select portfolio servicing inc. acquired my adjustable mortgage in XX/XX/XXXX i called in early XX/XX/XXXX to set up ( during the 60 day xfer period ) i was told it's {$15.00}. to make a phone payment! but free as a first time call they could schedule up to 3 months payment! they said it takes a month to get the auto payment set up on there web site! 
next they called in XX/XX/XXXX to tell me that i was 30 days last since XX/XX/XXXX 
clearly i don't work at SPS so it's impossible for me to have personally made the data entries and apply all 3 payments a month late? i don't even understand how any bank could even allow this happen??
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ISN'T MY ACCOUNT AND I CONTACTED XXXX COMPANY AND THEY SAID YOU DON'T HAVE AN ACCOUNT WITH US, AND AS WELL EXPERIAN I SENT LETTERS WHICH IS I WAS TELLING THEM I NEED A PROOF AND STILL TODAY I DON'T HAVE THE VERIFICATION THAT I ASKED. 

I demand the following accounts be verified or deleted immediately.
Product: Debt collection

I have paid my COMENITYCB/BJSCLUB in full last year. Now they are calling me for XXXX dollars
Product: Debt collection

My is XXXX XXXX I am a federally protected consumer and I am filling this complaint against JPMCB XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

Over the course of XXXX Chase has inaccurately and fraudulently furnished false and misleading information on my consumer reports as a means to bring harm to me and my financial reputation. 

Chase JPMCB reported XXXX separate account ( XXXX ) as Charge-Offs on my consumer reports. 
I am aware that under 7 CFR 1956.54, A Chargeoff is the writing off of a debt and termination of collection activity. I am aware that when a debt is written off, it has now become gross income pursuant 26 U.S. Code 61. Note, discharging of indebtedness also falls under this code. Lastly, income shall not be reported on any consumer report.

If Chase JPMCB has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

- I would like a senior XXXX member from your company to send a sworn statement of fact that you did or did not file a 1099C as required by the IRS and/or the US Treasury ?

If a 1099C was filed I DID NOT RECEIVE A 1099C from your company.

- If you did file a 1099C, send me proof such as a tracking number or green return receipt with my wet signature, proving that I did received and that I was in fact made aware of a 1099C.

This company JP Morgan Chase & Co. dba as JPMCB is committing unlawful extortionate means by furnishing this alleged debt to my consumer report as a means of bring harm to me and my financial reputation.
Product: Payday loan, title loan, or personal loan

I purchased a washer on XXXX XXXX XXXX. From the pos I was offered credit that required me to pay {$350.00} initially and 6 months of payments for {$100.00} each. When the 6 months was up, I called the lending company to see why I still had a balance and they said bc I hadn't responded to an email that I don't remember getting that I had only been renting the washer and needed to make 6 more months of payments or pay out more than {$300.00} immediately. That if I didn't, it would ruin my credit and they would take the washer back. At this point I've paid more than 150 % of the original price of the washer and the additional 6 months would make the payments almost 200 % of the purchase price.
Product: Money transfer, virtual currency, or money service

I have opened an account with Coinbase on XXXX the XXXX,XX/XX/XXXX. At that occasion and for a couple of days I had full access to my account, which includes a second-step verification code sent by my phone. I bought currency, which I assume they have on " my wallet ''. I have the same phone and it works just fine. 
On XXXX the XXXX, when I tried to log into my account, the system confirmed having sent the code but the code never appeared on my phone. I tried it at least ten times before filing a ticket with customer service. 
XXXX never got back to me. There is a phone number to call but I made it crystal clear that I can not speak on the phone because I have hyperacusis : the phone background noise causes extreme pain. They must, according to the American Disability Act, contact me in written form. 
I tried contacting them through their social media ( XXXX and XX/XX/XXXX) then. They ignored my complaint. 
They have my money, they locked me out of my account and they refuse to solve the problem.