23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of XXXX XXXX check XX/XX/XXXX. I was told by Transworld systems Inc and XXXX XXXX XXXX XXXX XXXX XXXX said they will offer a buy out in XX/XX/XXXX. I 've heard from them.
Product: Credit reporting or other personal consumer reports

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ).

I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease.

STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE.

CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation. The Bill of Sale is only PART of the ENTIRE PURCHASE AGREEMENT and I am clearly requesting the ENTIRE PURCHASE AGREEMENT. 
Requesting this is my right because if this escalates to court, the burden of PROOF is on you to prove to me that I owe this ALLEGED obligation. 
I do NOT believe that you own the debt you are attempting to collect, so you need to PROVE that you do and that requires presenting me with the ENTIRE PURCHASE AGREEMENT. 
If you cant do that in a timely manner, you must notify the consumer reporting agencies where this information is being reported to be DELETED from reporting!
Product: Checking or savings account

I opened a secure banking debt account from chase bank on XX/XX/19 I had put XXXX dollars in account on XX/XX/19 they closed my account still have not sent me my money back to me and will not give me an answer why the same thing happened to me when I tryed opening a chase business account a couple years back in XXXX when I was doing work as a contractor there they held money of mine and closed my account with no explanation and said they dont have to give me one I have never done bad business with them and simply trying to find out if someone else has stolen my identity but they will give no answers I feel as if I'm being discriminated against by this bank. I should have the right to know why they have closed my account to protect my self from identity theft. I have gave them all my identity info but they cant give me a reason for closing of my account so only reason I can come up with is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, TransUnion and XXXX. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out about the Equifax security breach on XXXX XXXX, 2017. Because of this breach, my name, address, social security number, birth date, driver 's license number, and possibly even more data are now public information. They also did not notify the public of this breach until 6 weeks after it was discovered, allowing even more time for hackers to use this information inappropriately.
Product: Credit card or prepaid card

Best buy / CBNA XX/XX/XXXX I received a statement with a balance of {$58.00}, paid in full XX/XX/XXXX. XX/XX/XXXX received a statement with a balance of {$1.00}. I called into the customer service number disputing the {$1.00} charge as it was fraudulent, their response was they will take care of it. The next month I received another statement and so on and so on. XX/XX/XXXX I called the customer service number and they routed me to a person that stated my concern has been resolved and will be reported to the credit agencies posting XX/XX/XXXX. XX/XX/XXXX i reviewed my credit and noticed they closed the account due to delinquency. I called the customer service number again they are stating the charge was fraudulent and they closed my account for security reasons but cant make sense to how they " tab '' it within the system. Now they are stating it was resolved XX/XX/XXXX they applied the credit to the card but moved it to a different card, XXXX statement had a {$1.00} credit that's why the balance was {$58.00}. they cant make any sense of the whole situation. 
I opened this account up while i was in college, due to credit agencies reporting metrics, I kept the card for historical history and was fine paying the {$58.00} annual fee, now Im here from a XXXX credit score to a XXXX.
Product: Debt collection

XXXX ( my family 's insurer ) pays XXXX % for any visit that is preventative or wellness related. My wife went for routine preventative procedure as me and she is being charged unwarranted medical fees because the doctor miscoded the visits. We have notified the doctor to code the visit properly and the office has not recoded and this constitutes professional negligence, something we should not pay for. The doctor 's office has now engaged a collection agency ( JR Recovery Services , Inc. ), Tel XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio to collect on a false debt and they are harassing us with letters. Please help! 

per conversation with XXXX at XXXX, on XXXX/XXXX/2016 at XXXX and am quoting her response verbatim " XXXX : It looks like our department has been actively working on getting the claims for the doctor office and the lab resubmitted. We have placed several calls to the lab and the doctor 's office requesting the doctor to resubmit the claim with a well visit code, however we have not yet received any corrected claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Went into Car Dealership They Told Me They Would Only run my Credit Once, I obtained A Copy Of MY Credit report and it was ran several times without my written instructions. Heres a List Of The Hard Inquires 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Speedy Cash credit reporting department I have 3 hard Inquiries on my credit report Did you get three separate and complete applications even so only one should've reported only one counts regarding this loan on XXXX. Can you send me a copy of such applications. There are two hits on XXXX and one on XXXX. Please help me clear this up is affecting my credit score I am trying to rebuild. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX is reporting 3 opened fraudulent collections, XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$15000.00}, XXXX XXXX opened on XX/XX/XXXX in the amount of {$760.00}, XXXX opened on XX/XX/XXXX for the amount of {$520.00}, XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$2900.00}. 
XXXX fraudulent hard inquiries reporting on my credit reports 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  These account are being reported by Equifax, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Ally Financial claims I have a delinquent payment history with them and I still owe over {$1500.00}. In 2016 the car that is in this claim was in an accident. It was considered a total loss by the insurance company. I received the money from the company and fixed the car. Ally sent me the title to the car. Then I traded in the car to XXXX XXXX in XXXX Va on XX/XX/2016 with a clean title. I did not owe any money on that car.
Product: Debt collection

A collection that I had no knowledge of and that does not belong to me was falsely leveled against me by Credit Collection Services in the amount of {$150.00} on XX/XX/XXXX, and the amount was updated to {$300.00} on XX/XX/XXXX. The original creditor was XXXX, and I have not opened an account with them either. The account is fraud. Further, I never received a notice of debt. I have filed a police report related to this incident.
Product: Money transfer, virtual currency, or money service

I sent a bank wire on XXXX XXXX in the amount of {$22000.00} to Coinbase. After several days I contacted them through their website ( recommended by Coinbase for complaints ) I have yet to receive my money credited to my account nor have the sent my funds back to me. It is now XXXX XXXX. 

My bank XXXX XXXX bank contacted their bank, XXXX XXXX Bank and their wire dept. and their wire/operations dept. confirmed that the {$22000.00} was posted to their ( Coinbase ) account on XXXX XXXX. That being said, wheres my money? 

As of XXXX XXXX my bank issued a wire reversal and reached out to Coinbase two different times with no response.
Product: Credit card

On XX/XX/, I called Apple Card at Goldman Sachs regarding my concerns. I was referred to the XXXX XXXX XXXX XXXX. I called both XXXX and XXXX, which, for your reference, are listed at https : //www.goldmansachs.com/our-firm/locations.html. The agents answering the phone were clueless and ultimately transferred me to the New York switchboard. The New York switchboard took down my name and number and passed my information along to the Apple Card corporate office for call back. No callback has been received from them thus far. 

On XX/XX/, I chatted in to Apple Card at Goldman Sachs 's XXXX customer service line. The agent was unable to open my PDF document containing the letter and evidence requested. *Per the agent 's request*, I sent in individualized images of the PDF document through the chat. The following messages were incessantly spammed to my phone by the Goldman Sachs 's system : " Sorry but an error occurred while sending the file. Please try again. '' and " We can not complete your request at this time. Try again a little later. '' These large volume of messages harassed me during my work day and also suggest that Goldman Sachs 's customer service system is dysfunctional, inhibiting consumer 's ability to exercise their rights under the Fair Credit Billing Act, or XXXX.
Product: Debt collection

Pleae refer to complaint number XXXX. To date, I have not received follow-up or other additional information from the company ( e.g. itemized bill ). Please advise.
Product: Payday loan, title loan, personal loan, or advance loan

Earnin the worse money app ever. I specifically informed earnin I would be getting paid after the new year XX/XX/year> earnin went into my account 2x without my consent causing me a {$60.00} return fee. So now Im filing bankruptcy and earnin is prohibited from going into my account to withdraw any fund. Its the holiday you would think earnin would have better sense and withdraw the funds after the holidays closing account
Product: Bank account or service

RE : XXXX XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau : In XX/XX/XXXX, I became aware of an annual interest payment check ( Wachovia check number XXXX, Account XXXX, Amount {$1.00}, dated XX/XX/XXXX ), For Interest on rent security deposit, No void remark time limits written on check. 

In XX/XX/XXXX I had dual residency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. During that time I never received an annual interest payment despite XXXX XXXX through XXXX mandate : " landlords must pay annual interest amount to tenants. If the tenant is going to apply the security deposit to rent because the landlord failed to pay the annual interest in CASH to the tenant or failed to provide the tenant with the annual update of the account information, the landlord has XXXX days to rectify these failures. " My security deposit ( totaling {$750.00} ) was never returned to ME, XXXX XXXX XXXX, and I never received any annual interest payment or knowledge of the XX/XX/XXXX check amount until XX/XX/XXXX. This same apartment complex, XXXX managed by XXXX illegally evicted ME, XXXX XXXX XXXX. The eviction is masqueraded as a legal judgment of possession but the judgment of possession is ILL GOT AND ILLEGAL, the warrant of removal is ILL GOT AND ILLEGAL BECAUSE THEIR LAWYERS XXXX XXXX and XXXX XXXX NEVER EFFECTUATED SERVICE OF PROCESS MEANING : I never received a complaint and summons and if I do not receive a complaint and summons how then can I properly defend Myself or inform a designated Representative to defend Me, XXXX XXXX XXXX, if I do not know the date, time, or venue. Lawyers XXXX XXXX and XXXX XXXX are ( located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX ) have caused ME, XXXX XXXX XXXX, great unnecessary grief and sorrow. 

Since that time Wachovia is now Wells Fargo. I have attempted on several occasions to deposit and or cash the check totaling {$1.00} AND ALL INTEREST SINCE XX/XX/XXXX to no avail. I have contacted and followed through with the state XXXX escheatment protocol to claim any monies unclaimed by Myself, and XXXX is still not cooperating under the leadership of XXXX XXXX XXXX. When are you going to learn.
Product: Checking or savings account

XXXX XXXX provided 2 checks to the Real Estate Company that was responsible for the sale of my home at XXXX XXXX XXXX, XXXX. I have asked XXXX XXXX XXXX and my real estate agent, XXXX XXXX for my {$5000.00}. She never gave it to me. 
I am asking Wells Fargo Bank if they could look into the XXXX attached checks that I am attaching.

1- i need to know if these 2 checks were ever cashed?

2- if they were cashed, could you please tell me who cashed them and on what date were they cashed These checks never made it to me, XXXX XXXX and according to the Contract that I received way after settlement, Warnest Deposits are not allowed to be deposited with a Personal Check!! Well them 2 checks sure look like personal checks to me.

3- please let me know if you see anything unusual relating in to any wire transfer whatsoever because I am still looking for my wired transfer and my husbands.

The 2 checks are attached ( but of course the thieves didnt provide me with the backs of the checks ).

A copy of the agreement of sale is attached, No 2, ( B ) No Personal Checks clause.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on forbearance with XXXX XXXX until XX/XX/2021, they sold my mortgage to another lender and reported my account as delinquent on XX/XX/XXXX which is totally false! I contacted XXXX XXXX and they stated that they were diligently working on the error. My credit score has dropped more than 20 points and the issue has yet to be resolved.
Product: Debt collection

MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2300.00} MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX ) XXXX {$810.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with MIDLAND CREDIT MANAGEMENT. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, MIDLAND CREDIT MANAGEMENT has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Debt collection

In the summer of XXXX ( exact date unknown ) I entered a vacation sweepstakes in a magazine I regularly receive called XXXX XXXX. After a few weeks, I received a phone call from an unknown number saying that I had made it to the final round in the sweepstakes and was now being offered a free trial of magazines. Thinking this was in partnership with XXXX XXXX, a magazine company I trust, I consented to the FREE trial. I was told I could choose from a wide variety of magazines and that I would receive several varieties in a month. However, I received Glamour and XXXX XXXX, neither which I chose, which I just threw away thinking it was no harm since I didnt pay for them to begin with. A few months go by again and I receive a phone call saying that I owe money for these magazines. I gave a rebuttal that I do not owe them anything since I never consented to pay for these magazines I never wanted. I cancelled and the man on the phone hurriedly says XXXX take me of the list. At this point, I moved to a different location and forgot about the ordeal completely. Again, a few weeks to months go by and I receive a phone call saying that I owe a balance on the magazines I was receiving. However, I was told that my renewal would be cancelled and all debts removed for just {$50.00}. Confused at how I ever got into having to pay anything at all for a service I didnt want, I mistakenly obliged to pay {$50.00} just to drop the matter. I was charged {$49.00} on XX/XX/XXXX. However, within the same month I was charged another {$49.00} on XX/XX/XXXX. Irritated, I called and tried to confirm my cancellation, telling them I was still receiving the magazine though I never renewed. They said I would continue to receive magazines for the amount Id already paid ( {$50.00} ), but that my subscription was indeed taken off the renewal list. However, I was then informed of a balance of $ 600+ dollars! I explained I never wanted this service and cancelled long ago and told them this amount would not be paid. I then proceeded to cancel my card to receive no further charges. They continue to call and harass me at least once a week. The amount then went to the collection agency Total Customer Service , Inc which, according to XXXX reviews has worked exclusively with XXXX XXXX XXXX and similar scams. Therefore, I am choosing not to interact with them and instead wanting to consult a more assured process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Debt collection

Recieved a settlement letter for an XXXX collection in XXXX XXXX. This is the first communication i jad with a collection agency regarding this debt. I called them and they stated per phone that if i made the payment to them by XXXX XXXX XXXX that they would not report to credit bureaus. I paid it 2 weeks early and then they reported it after payment. I disputed with XXXX credit bureaus. XXXX and XXXX deleted this account. XXXX will not and i have disputed it 3 times. Ive called numerous times to erc and they keeping telling me something different. This is not the first time this has happened. In XXXX erc was reporting a debt that they never owned and XXXX would.not remove after multiple disputes and a year later it was finally removed
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, you received my dispute regarding some delinquent transactions and payments that you and XXXX XXXX reported on my consumer report. Upon filing this dispute under FCRA regulations, I received a response from TransUnion stating that the account was " verified. '' I do not understand why they responded with " verified, '' as I did not request verification of anything. The law clearly states that : ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) A report that contains information solely related to transactions or experiences between the consumer and the person making the report.

How can you validate a dispute regarding information that is excluded from the consumer report? The law states that transactions are not part of my consumer report. So how can they validate a late payment? 

In addition, we should review 15 USC 1666B : ( a ) Timing of payments : A creditor may not treat a payment on a credit card account, under an open-end consumer credit plan, as late under any circumstances unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by Section 1637 ( b ) of this title, is sent or delivered to the consumer no later than 21 days before the payment due date.

I am requesting all information pursuant to 1002 at 15 USC 1666B and the procedure that was used to authenticate the accuracy of the late payments. What reasonable procedure was implemented to ensure that each statement, including the information required by Section 1637 ( b ), was sent or delivered to the consumer no later than 21 days before the payment due date?

The only way to validate a " late payment '' is to ensure that, under 15 USC 1666B, the requirements of Metro2 and FCRA were met, in addition to the specifications of 15 USC 1666B. This process must be certified by an information accuracy agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After retrieving a copy of my credit report I noticed an account with Lake Area Collections in the amount of {$10.00} on my credit report. I would like the company to show validation of this debt on my XXXX  report or remove it immediately.
Product: Mortgage

The lender worked for Cross Country Mortgage and was late getting the documents needed for the condo, he would not reply to the Title agent, the insurance agent, and I had to ask for an appraisal for 2 weeks or more.

After securing 3 extensions per the lenders request, he still missed the deadline. All without providing specifics for reasons why. The inspection was provided on the XX/XX/XXXX, yes XXXX, this is not a type, and I called him that day to let him know the outcome of the inspection which went well. Monday when he came back from vacation he asked if things went well. On XXXX he informed me that the condo did not receive approval and wanted to speak to which I stated that the seller is no longer providing extensions and did not want to work with such an unresponsive company.
Product: Bank account or service

Good day my I was in the process of getting a home loan from city-worth and XXXX XXXX is the loan processor I was given his information by a friend and my friend told me he was good but he 's not. My credit was n't that good and I had own money on my credit card he went and spread my information with my friend which is bad and I 'm sure there 's a privacy act against the banker or loan officer calling other ppl and given them my information it is bothering me and I have hired an attorney bout this. XXXX XXXX told them my credit score etc this is bad. The name of this bank is city worth mortgage in Va.