23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is to formally advise that Medical Revenue Service has violated several of my consumer rights. Specifically Exhibit A : placing acct # XXXX on my credit reports before 30 days of asking me to verify debt. Exhibit B : failed to Validate my request of Debt and HIPPA authorization after I sent a letter on XX/XX/2021 for Validation. Which is an FDCPA violation and HIPPA violation.. Exhibit C : continuing to report disputed debt to the Credit bureaus, another FCRA violation XXXX Not only did Medical Revenue service ignore my prior requests for validation of debt and HIPPA authorization but continued to report this debt to the credit bureaus after I told them it wasn't my debt, causing damage to my character. As you may be aware " XXXX  by silence '' legally means that Medical Revenue service had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. I will use XXXX in my defense If I need to sue.. And also seek damages from Medical Revenue service if warranted.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2022. Since then, the account date of first delinquency has been illegally being changed every month. This is an update on the payment history. A charged off account Should reflect the FIRST time the account went into a delinquent status. The date of the first 30-day pass due notice. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : XXXX XXXX
Product: Credit card or prepaid card

I have attempted to have Amex remove an account that was opened and used by a former spouse, after our divorce, without my knowledge or consent. While it has been years they and they were made aware of the situation this account records remain in their files and is harmful to me. I did not authorize this account and was opened and used without my knowledge.
Product: Mortgage

I've been working with Royal United Mortgage company out of XXXX, XXXX, for 4 and half months, started on XX/XX/XXXX. Denied on XX/XX/XXXX. I was looking for a new small loan of XXXX for 30 years, on a second home because I was taking over the old loan from my brother. I have no other home loans, very good credit, income of XXXX, lots of assets, and just some normal credit card debt debt from a work project. The loan is for a home recently valued at XXXX ... no other loans on the house and its rented out for XXXX a month. I wanted a home loan as opposed to paying off the loan, because I'm earning 12 % on my money, so a small loan made sense. I'm retired, XXXX, so I don't have a regular work type paycheck, but I have plenty of income from various sources, so I would consider a loan to me extremely safe and a no brainer! Plus my wife is still working with a regular paycheck that could qualify by itself. 

I spent 4.5 months gathering information for Royal, only to be asked for more and more documents. I also had to pay for a {$1200.00} appraisal in advance. They kept leading me on that everything was ok... than I was denied for insufficient income of all things after 4.5 months. 

I have to assume I was denied for some other reason? My age perhaps, XXXX or the fact that my daughter and her wife will also be on the deed and they're XXXX... .or maybe both reasons? If I don't qualify who does????
Product: Credit card

I have XXXX credit cards with Synchrony Bank, a XXXX card and a XXXX Credit card for my animals. Because of a divorce, a lot of my bills became a hardship so I chose to add the XXXX card into debt relief. I kept the XXXX XXXX because I need it for my senior animals with medical conditions. I have had this card for years and I have made, and continue to make payments on time, and on occasion I am able to make an extra payment. Once they started negotiations for my debt relief on the XXXX, they all of the sudden deemed me a risk to not pay and closed the XXXX XXXX account without advising me first. I do not miss payments and I can show that I have paid it every month. I would like to contest this closure. I called the debt relief program and they will not help me with this bank. I called the bank and they will not work with me either. I was told that even though one card is a completely different department than the XXXX and one has nothing to do with the other, Synchrony Bank is taking action against me for putting them in debt relief. They closed this account under false accusations. They have no proof that I will not pay because I have always paid.
Product: Debt or credit management

XX/XX/year> I signed up for self credit building didn't know what I was doing so I went ahead and paid out my credit building account early which would have been XX/XX/year> they said congratulations for a completing your account you should receive the payout as you wished direct deposit or check in 10 to 14 days it's been well now and I still can't get it keep saying it's under review never keep in contact with me every time I call them is only time I ever get an email back still under review under review you will hear from us within one to two business days those ones to business days seem to come and go don't hear from him I get irritated I call I'm frustrated they don't have anything to tell me so I contacted XXXX  well I just get an email about the case and self is saying that the verification that they requested for me they couldn't verify me and that I that it's final and I can't appeal it but they can take my money no matter how many payments I have made on it I can make as many as I wanted to pay it off and now they are justifying if I'm going to get it back or not and I think that's wrong and then tell me I can appeal it it's my money I sent the verification I sent it again they also had to verify me to approve me of the account so I'm feeling like I'm getting frauded big time here it's {$3100.00} they say I get {$3000.00} back but they're really having a hard time giving it back they don't want to I don't know what to do and I'm about to my within but they're really having a hard time giving it back they don't want to I don't know what to do and I'm about to my within
Product: Debt collection

RGS Financial in care of XXXX XXXX, is constantly harassing me about a complaint from me to CFPB about XXXX Financial.After your investigation into XXXX, I contacted them to resolve the issue.They said that they had written this Car off.Because I was calling to get the amount what I owed to pay off They said it was written off as a lost.I told them to come and get the car, they said they didn't want it I parked the car for months they never came and got it.Because the car was never any good and they had lost money to the car dealer and so did I.Now they send RGS to harass me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Detailed Verification of Debt To Whom It May Concern at TransUnion, I recently received notification that you have verified a debt listed on my Consumer report. I am writing to request the specific details and documentation you used to verify this debt. Please provide the following information : 1. The name and contact information of the original creditor.

2. The amount of the debt and the date it was incurred.

3. Copies of any documentation or evidence provided by the original creditor to verify the debt.

4. A detailed explanation of the verification process used.

I am disputing this debt because It is NOT owed. Please re-investigate this matter and provide me with the requested details.

Thank you for your assistance. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

I REACHED OUT TO TRANSUNUION, XXXX AND XXXX ON BEHALF OF SOME ACCOUNT THAT I ASKED TO SEE PROOF OF THE DEBT. 
ATTACH YOU WILL SEE AN AFFADAVIT THAT I I MADE WITH THE FTC THAT SHOWS THE ACCOUNTS.
Product: Debt collection

I had an account removed successfully from my credit report around XX/XX/XXXX from creditor XXXX in the amount of {$700.00}. They illegally reinserted this debt by not sending me a reinsertion letter on bureaus end or creditors end but this is well within my rights. I disputed the account again and sent credit bureaus reinsertion letter once I seen that they reinserted this account on XX/XX/XXXX also I disputed the inaccuracies on this same account and ask them to remove it. I waited XXXX days for bureaus to investigate and nothing was removed I sent another follow up letter out to them XX/XX/XXXX still nothing. I also sent a debt validation letter to the collection agency that is reporting this account asking them to validate this account or remove it the collection agency sent me a bill for validation which a bill is not validating a debt, they also sent me a letter stating that XXXX still owns the debt but the collection agency is the one that is reporting this inaccurate information on my credit report how could that be? This debt has also been reaged open date has been changed since reinsertion. I have now sent a refusal to validate debt letter to the collection agency XX/XX/XXXX in response to their bill for my validation of debt request. I also sent a intent to file a complaint letter to the bureaus XX/XX/XXXX for failing to investigate and still reporting inaccurate information on my credit report. I know my rights and that is why I am now filing my complaint with you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constant disputed with the company and even provided proof they refused to move incorrect information from my report
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I am writing to request your urgent assistance with an issue I have been struggling with for over the past year. I have a Cash App account with a balance of nearly {$3000.00}. Although Cash App has essentially stolen the funds from me, as they have refused to allow me access to my account. 
My phone and wallet were stolen, and I no longer have the phone number or email linked to the account, which is required for account recovery. 
Despite numerous calls to customer service and speaking with supervisors, I am repeatedly told that the only option is to attempt a fund transfer, which is consistently denied by security for " my protection. '' I am left without any viable solutions and have been advised to keep calling without resolution. 
This money is urgently needed for my senior service dog 's XXXX XXXX Please assist in recovering my account or provide alternative solutions. 
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX CA XXXX
Product: Debt collection

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all 3 credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Product: Credit card

I signed up for a Kay Jewelers credit card and was granted a promotional plan of 15 or 18 months of interested free. It was my understanding that after the promotional period was over, the APR or interest will begin to accumulate from the current balance but that was not the case. 

After the promotional period ended, I had a balance of {$110.00} left to pay. When i received my new statement, I was charged an interest amount of {$1900.00} meaning they charged interest for the whole promotional period which was not disclosed to me. I think this is a predatory practice, I do not mind getting charged interest for the current balance on the account.
Product: Mortgage

Specialized loan Servicing, the mortgage servicer who currently service my loan, is refusing to have funds applied to a monthly pmt. I had made a pmt on XX/XX/XXXXwhich would be for the XX/XX/XXXX monthly pmt. They refused to have the payment be applied to the monthly payment. They applied to the principle balance. I always tried to pay my mortgage in advance, incase of financial hardship, which I'm and going through now. I may now default because unable to make monthly payment and need the cushion of the payments to be paid in advance. Speicialized loan servicing is causing a financial hardship by not applying payments correctly. On top of not applying funds correctly they refuse to send out informational statements about the account status. I have made three request for information statements to be sent out, all have been refused. They refused to make any corrections on how funds have been applied to my account, which makes me question on if other payments may have been missed applied
Product: Credit reporting or other personal consumer reports

All My infomation was exposed in data breach and want see if yall can review it and remove I even see XXXX names and stuff on my report like my whole information has been exposed in a date of breach. Please review my account and get my name cleared thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : 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 Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and XXXX with no successful resolution. TransUnion only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called the other credit reporting agencies and had my credit freeze lifted withing minutes. With Experian, I could not actually get in contact with anyone on the phone for 3 days. The online system encountered an issue and instructed me to call by phone. The phone number provided encountered a problem as urged me to access the online web page. I went in circles for hours. I finally found a phone number where I spoke with someone who couldn't apparently verify me. The other credit reporting agencies were able to do this in minutes. This is completely unacceptable that I still can not lift the freeze on my credit from Experian. I request the XXXX government to pressure Experian to make access to speaking with humans possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for any Auto Loan
Product: Debt collection

this company calls me multiple times a week and every time I answer they ask for me and then hang up. I was contacted earlier today and again I was hung up on. I called back and the woman name " XXXX XXXX '' would not state the nature of the business or purpose of the call. I specifically asked if this is a collection agency and the woman kept stating the company name instead of confirming she is working for a collection agency. This is breaking multiple different laws. She was being evasive and using aggressive collection tactics. I will report this company to the attorney general and FTCC for violating FDCPA. I also called again to get a mailing address to send over a Verbal Cease and Desist. These phone calls are harassing and abusive. I will be seeking legal assistance to ensure this does not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : FACTUAL DATA Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : FACTUAL DATA Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Prepaid card

XXXX is a credit card from American Express created in conjunction with XXXX.I had my back pay from XXXX XXXX deposited on this card.They currently have XXXX of my back pay money held captive and wo n't release it to me.They XXXX froze it because of a spending limit being reached.So I asked to have the balance wired into my bank account, but they said they could n't do it.So, I asked if they could wire it through XXXX XXXX ; they said they could n't do that.So, I asked if they could mail it to me, they said yes, but I have n't received it yet.it 's been a few days short of a month since their promise to mail it.They keep giving me XXXX story after another.It seems to be just XXXX lie after another.I just want my money.Neither my wife or I work.We desperately need this money to pay bills and to take care of our kids.Can you please help us get our money from American Express or XXXX XXXX ; or whomever has a hold on our money.This has been going on now for over a month now.I call customer service, they put me on hold, and they come back a few minutes later with fake promises to get me my money.They claim to have put a trace on the check that they suppose to have mailed on the XX/XX/XXXX.I have n't gotten any feedback on that trace yet.They just keep telling me whatever sounds good to string me along further and further.So, I 'm currently pursuing legal action because I do n't know what else to do.I 've given them ample time to release my funds but they wo n't. If you can help me, please do.My family and I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

This is my follow up request regarding the inaccurate account in my credit file. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file. This is the account that needs attaention : XXXX XXXX XXXX XXXX Balance : {$810.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Mortgage

My husband a refinance a mortgage with New Rez. We never received a copy of the documents we sign. We ask for a copy at closing. We spoken to the company twice and during these conversations asked for the documents as well. I am not on the mortgage but on the title of the house. I can be reached at XXXX
Product: Credit card or prepaid card

I had someone take {$300.00} in money from me the day before thanksgiving. Bank of America closed the card sent a new one and said they have no definitive date for when I will get my lost money back. 

Then a week later they close my new bank card with no explanation as to why and say its the DETR office Nevada who did it. So I call the DETR office and they say its BOFA that did it and to call them. 

This is very fishy and now Im missing my 5th week of {$300.00} for lost wages program {$300.00} thats stolen from me through Fraud and the little money I had left in the account I cant access because they closed my account. 

This is outrageous!!!