23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XX/XX/XXXX, I sent XXXX XXXX XXXX certified letters after checking my Credit Report and seen there was a medical bill on my report that not once did I EVER receive notice in the mail from XXXX XXXX XXXX  XXXX XXXX letting me know that I had an outstanding bill after my insurance paid for my visit! Not Only have I mailed certified letters I called and the guy I spoke with was awfully rude and hung up on me! I sent another certified letter on XXXX XXXX cease & desist but they dont see the issue! the letter is being returned back to me because their physical address is invalid! Thats when I called and was hung up on! XXXX XXXX XXXX   XXXX XXXX never sent an outstanding bill and sent this straight to a collection agency giving personal medical treatment and insurance! they gave them full insurance card information without my PERMISSION! Now I have to call my insurance company and let them know that someone has my full insurance card Information!! This collection agency knows what I was treated for and what was given as well what my insurance was! I never signed for them to break my medical privacy! When I called XXXX the man had the nerve to say that they had rights to my MEDICAL records! No you do not! I was never contacted and never did I sign for a collection agency to receive my medical treatment and how things were administrated to me on this personal heartbreaking medical procedure and breaking my privacy law! I want this matter taken care of immediately! I have filed a complaint to OCR! This is Violation of HIPAA and I will proceed with suit! XXXX refuses to pick up my last certified letter and they keep reporting this account to Equifax knowing their in violation of my medical rights!
Product: Vehicle loan or lease

On or about XX/XX/2018, while I was 39 weeks XXXX and at XXXX at a doctors appointment, my leased car was repossessed while parked in the XXXX parking lot. I had always made full payments and always paid my lease whether I was late or not. I called XXXX XXXX XXXX in XX/XX/2018 and explained that I was interested in an early termination lease due to a significant life changing event ( giving birth to my first born ) as outlined in contract under terms of early termination. My concern was I didnt feel the XXXX XXXX was safe enough for my baby and the car seat didnt fit in the back seat correctly due to the narrow space in back seat and having to install car seat rear facing per law. Chrysler Capital said I couldnt do that. My due date was fast approaching XX/XX/XXXX while my lease was up On or about Late XXXX or XX/XX/2018. However, again on or about XX/XX/XXXX my car was repossessed with all my belongings to include new infant car seat, hospital bag, stroller, and personal belongings while I was due at any minute. The suffering, pain, and emotional stress caused was so overwhelming as imaginable. XXXX XXXX refused to let me lease/own a new vehicle in exchange of terminating my lease early per terms. I had a valid reason and significant life changing event to justify why I was seeking an early termination but XXXX XXXX discriminated against me for being XXXX. XXXX XXXX had no regard for my necessity or well being and charged off my account sending me a bill for excessive thousands of dollars while I only had 4 months left on lease! XXXX XXXX refused to allow me to terminate my lease for my life changing event. That is appalling as a consumer, single mother, and XXXX XXXX. I did not break my lease! XXXX XXXX did by not allowing me my rights per terms on contract.
Product: Money transfer, virtual currency, or money service

Dates : XXXX, 2020 Amounts : {$2500.00} I was trying to purchase a GRE test tutor service. They said I need to make a deposit. But after the deposit, the person told me that instead of giving me the tutoring I agreed on, they will test it for me. This is not what we agreed on and it is illegal to do that, which will jeopardize my Visa status. So I want to get a refund for my deposit. But then they said it is non-refundable, and disappear. 

I contacted customer service. The first customer service recommended me to report fraud. The second customer service told me it is not fraud and I should change it to dispute with scam and today I just got the email -- they denied my dispute. Either case, I should not be responsible. 

I will call the police if this is not solved properly. If necessary I will file a lawsuit.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE LATE PAYMENTS : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I bought a {$44.00} of light coin on Coin base.com. On XX/XX/XXXX, I sent the amount to my XXXX address : XXXX. It asked me to claim it by clicking on the link in the email. I did just that. The amount disappeared in my Coinbase account but did not show up any where in my XXXX account. I do n't know where the money went. I repeatedly contacted Coinbase thru email to inquire how I could find where my money went. They never responded to my inquiry. I m filing this complaint because i like to recover my money and find out where i can find it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently obtain a copy of my of credit report and noticed accounts and inquiries i did not authorize.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX TransUnion XXXX XXXX XXXX XXXX above this account is listed but as three different accounts it's all showing in correct information that does not belong to me. I've tried getting this removed before. 

it's showing across all three pass due on a " collection '' Date Last Payment : XX/XX/XXXX Inaccurate TransUnion XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX High Credit : XXXX Inaccurate TransUnion XXXX Inaccurate XXXX XXXX Inaccurate XXXX These above is showing the high balance is higher than the original balance of the account that was opened. 

Last Reported : XX/XX/XXXX Inaccurate TransUnion XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX ALL OF THIS INFORMATION IS INCORRECT & NEEDS TO BE REMOVED.
Product: Credit card

I purchased a XXXX from XXXX and the item arrived damaged. I tried to contact XXXX but their customer service was horrible especially as it was during the holiday season. I filed a dispute with PayPal as I made the purchase using PayPal and provided all the evidence. I even tried to get my local tech repair shop to take a look at it and they said there was nothing they can do about it and gave me a report stating that to provide to PayPal to refund me as they advised that would be my best bet. PayPal then asked me to get an official document from XXXX stating that it was unfixable and when I went to try and do that, I was told by the XXXX technician that they do not provide such documents unless I purchased the item from XXXX then I could take up the issue with them and XXXX would directly refund me but I did not purchase the item from XXXX, I purchased it from XXXX. I provided all the documents and proof of the item being defective and of it being unable to be fixed and all the evidence they would need to refund me. PayPal closed my case and would not reopen and told me to take it up with my bank. The only issue is that by the time PayPal closed my case, it had been over XXXX months since the purchase and XXXX XXXX does not allow disputes to be open past XXXX months of the purchase date.
Product: Credit card or prepaid card

on XX/XX/2022 I received an email about my Synchrony XXXX. It informed me my payment was late. I have all my credit cards set up on auto pay. I checked my credit card account to see if it was setup for autopay. It had XXXX as the account number for my XXXX XXXX  it should of been XXXX instead. I went in and paid the owed amount of {$170.00}. Then Synchrony closed all my accounts through them they closed XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and Synchrony Master Card. Spoke with Synchrony told me the closed the accounts because of that XXXX credit card. Never been Late on any of these cards except for the XXXX XXXX, I believe it was Synchrony who set my auto pay up. I gave them the information. The girl said my accounts where closed because of the wrong account number. I checked all my other accounts with Synchrony and they have been paid the ones that are XXXX. How can you close an account I have never been late on the mistake is corrected. I believe I just turned XXXX on XX/XX/XXXX and I think they are doing this because of my age,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.
Product: Checking or savings account

On XX/XX/year> I purchased a mattress and bed frame from XXXX. On XX/XX/year> that item was delivered via XXXX XXXX and left in front of my building, in an unsecure area. When I arrived home from work at XXXX on the same day, the items were missing. I contacted XXXX right away and was told " drivers sometimes mark items delivered even though they have not been, and for me to wait until XX/XX/year> at XXXX to contact them back if the item hasn't shown up. On XX/XX/year> I contacted XXXX again to let them know the items still had not arrived and that I needed either a replacement or a refund, I didn't care at that point which one happened, but they needed to make this right as the complex I live in uses secure lockers for delivery and the driver failed to use them resulting in my items to be stolen. XXXX then informed me they would not refund nor replace the items. I contacted my bank and filed a dispute ; however, XXXX is fighting the claim and still refuses to refund my money or replace the items stolen. 

So-Fi has thus far refused to issue a refund of the money. I contacted XXXX XX/XX/year> at XXXX XXXX and spoke with a lady who told me to wait until XX/XX/year> for them to investigate. 

I have since filed a complaint with the Federal Trade Commission about this issue with XXXX FTC Report Number XXXX ( claim attached to this complaint ). 

This is a case of XXXX ( a large powerful corporation refusing to follow the rules of the apartment complex I live in, delivering the items to an unsecure location, it getting stolen and XXXX refusing to correct the issue )
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that breach the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account exposed and unprotected.

There have been multiple instances where money has inexplicably disappeared from my Cash App account. On several occasions, large sums of money either vanished or were sent to random Cash App tags without my authorization. These occurrences lead me to believe that my account was either hacked or that Cash App may have been responsible for these transactions on their end. 

Each time I attempted to reach out to customer service for assistance, I was unable to get help or even reach a live representative. As a result, I have lost significant amounts of money, including the funds tied to disputes I attempted to file. Due to the lack of proper customer support and the absence of live agents, I have been left without resolution and am now out substantial sums of money. 

Additionally, their dispute resolution process was both unfair and deceptive, as they failed to comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in considerable inconvenience and financial loss, and I am seeking appropriate resolution for these violations.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 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. The accounts that are in violation of my rights are listed below. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Not only did I have payment application issues that Lakeview refuses to address, but they filed for a judgment of foreclosure, when they knew the house was under contract. They filed the judgment the day before closing in the sale, as well as simultaneously sending my account to a collection agency, which caused me to incur an additional {$7000.00} in fees I had to pay out of my proceeds from the sale that they knew was taking place the next day, in order for the closing to take place as planned. They have unnecessarily messed up my credit, including filing a false judgment of foreclosure so that this public record is out there for anyone to see. They have harmed me financially, since I have been denied rental housing due to this filing. Because of this, I am paying higher rent at a place I could find nearby, even though my income qualified me for the original lower rent complex. I was only declined because of this rushed judgment filing that was done strictly to harm and embarrass me. I have called numerous times since XXXX to request information and to ask that they remove the judgment filing, since no judgment was obtained, but they refuse to even talk with me. The closing agent and I were both in regular contact with Lakeview regarding the closing date for sale of the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in addition to Lakeview NEVER even provided any written notification of any pending collection action or pending judgment. Please help me in getting this corrected. I had file for XXXX XXXX  in XXXX, and I paid 100 % of my obligations. After all of my hard work, this was a slap in the face.
Product: Money transfer, virtual currency, or money service

A listing was posted on XXXX marketplace for a rental. During communication with the supposed landlord, I was asked to send a partial deposit in order to get access to see the room. I sent multiple payments through XXXX as a result. After realizing I was scammed I asked Chase bank to reverse the charges but they claim they couldnt recover the money.
Product: Vehicle loan or lease

I just got my car repose and pay a full amount but I just couldn't afford to pay almost 2600 and the XXXX the next month and I was wondering how can I get that waive fee off
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND USED IT TO OPEN THIS FRAUDULENT LEASE IN MY NAME I HAVE CONTACTED FEDERAL AND LOCAL LAW ENFORCEMENT TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Mortgage Company : Newrez XXXX XXXX XXXX XXXX Texas XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX # XXXX XX/XX/XXXX contacted an agent. Asked about our review/audit on our escrow as we had to put {$7000.00} extra for taxes in for last year. I was informed an audit would be run and i should see paperwork in approx. 2 weeks We never had a tax bill for XXXX as we didnt move in until XXXX XX/XX/XXXX contacted again. This time i was informed certain states are done in certain months. She said Wisconsin was XXXX so i would be seeing the paperwork in the first 2 weeks of XXXX. 

XXXX, still nothing. I call again. This lady apologizes and said she will have an audit run. I did inform her nicely i would be contacting cfpb if it wasnt resolved. Again nothing Today, XX/XX/XXXX call again. Now i am told by this customer service rep that it doesnt get handled until you have been paying for a year. 

I talked with my mortgage servicer and he told me to contact you as it is illegal for them to hold the money in escrow This is pretty sad and horrible way to treat your customers and all the different stories
Product: Student loan

I am submitting a complaint of the huge amount of interest that went on the loan since Navient has taken over. Even with the IBR, the payment is a little high. I was out of work for over 6 months and the repayment was higher than when I was working. I had to submit a request several times before it was completed and or processed. Not to mention that some of the loans have late payments and some do not even though they should all have been due around the same time. When I requested that the late payment be removed, I was denied.
Product: Credit reporting or other personal consumer reports

A personal review of my credit report showed/shows inaccurate information on multiple accounts, it also shows that companies have been re-statusing accounts and reporting past due balances on charged off accounts. 

Report # XXXX XXXX XXXX, XXXX  - amount {$430.00} XXXX XXXX  -amount {$440.00} XX/XX/XXXX  - amount {$15000.00} XX/XX/XXXX  - Amount {$19000.00} All accounts have be re-status repeatedly
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL WEEKS AGO, I DISPUTED WITH TRANSUNION REPORTING OF THE BUREAUS # XXXX PAST DUE {$690.00} THE INVESTIGATION CAME BACK VERIFIED, WITH PAYMENT RECEIVED A PAYMENT HAS NEVER BEEN MADE ON THIS ACCOUNT! 
ALSO THIS ACCOUNT WAS INCLUDED IN XXXX XXXX BANKRUPTCY! 

SEE THE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.