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

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2800.00}
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXXFederal Consumer Protection BureauTo Whom It May Concern : XXXX XXXX 2014 XXXX Mortgage sold my mortgage to Carrington Mortgages Services XXXX. From the mortgages Origin to this date I have never been late or missed a payment. 

Recently I have tried to refinance some of my properties and having pulled my credit report my Banker noticed in the comment section of all three agencies " Mortgage in Forbearance '' I called Carrington to find out why this was on my credit reports and I was told I had to make a written request for an investigation. I asked to speak with a supervisor to explain why they could n't tell me why a mortgage that has never had a payment missed would have such a notation on it. After being put on hold for 15 minutes the attendant said to me that there were a number of mortgages recently bought that had errors noted on the reports. He said I would be receiving a letter explaining this and the credit reporting agencies would be updated with that correction and removal of the erroneous comment. I asked for an email of the letter and was told they could not do thatTwo and half weeks have passed with no letter in the mail. I called today and was told I would have to send a letter requesting the letter they said they would send 2 weeks ago. 
I flat out refused and asked to speak to a supervisor. Again being put on hold for 15 minutes the attendant came back to say that he sent the request to the document department and I should be receiving the letter or their error in several days. 

Since my first contact with this company I have been treated like some kind of deadbeat. First by their greeting on the phone of " We are a debt collector attempting to collect a debt '' and subsequently their comment on an otherwise pristine credit report. XXXX times after asking to speak to a supervisor the attendants returned to say I did n't have to do what they insisted I do to get an answer in the first place. 

This is no way to treat a customer and to do fair business. My hope is that Carrington Mortgage Services is reprimanded for their failures to service me as good customer, treat me fairly and with respect. Needing to demand to speak to a supervisor is no way to get simple requests like an explanation or a letter explaining fault. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX 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
Product: Debt collection

this debt was made in 2016 when my sister rented the apartment and they added my name to this debt because i was on lease just to live there and i was in school they told my mom who was XXXX  and no income she could live there if not on lease, my sister paid bill in full when our mom moved to XXXX  and sent for us. now that i would like to get my own place this comes up on my credit report but all paper work in my name sister name and she just opened her XXXX  and never came up we even got all mail forward and old landlord said it should have not went to collects she paid everything i got a good reference letter gave back keys and there were no problems.. this greedy 3rdparty company wants XXXX for a XXXX bill that we were never giving nor have or had any knowledge of let alone a chance to pay nor do anything about it plus did not owe since was never on credit and now its on there for XXXX my mom sent ck and the lady said she not accepting because she told my mom to send XXXX to her account and call her cell cause she was going on vacation that same day. if you guys pull phone records and look at how she sent my mom check back you will see they are trying to scam me and add extra to it. the other lady in office said pay XXXX but the first this lady friend call her on vacation and she told the the lady who said we do not owe that only XXXX was going to lose her jobs and they were being mean so she said she wanted to talk to supervisor and then all XXXX broke out and the first lady called my mom phone with her friend in background showing off bn really nasty and rude to my mom so my mom hung up after she was bn smart and said she is sending check back certified for XXXX and wants all she asked for plus interest on top of that since my mom court her in a lie and called her out on it and tried to say that was not right to how they treated the young lady who tired to help us. on that.. we called our Law firm who said we were right and that they were being shady and to report them and we could sue them especially if not corrected and knew that their workers were scamming customers and all credit companies and they said you pay what is on your credit report and they can work out deals, so if it is only XXXX why are the adding extra when that was never disgusted was never owed that is how my sister got her own place how my name get screwed up and now she sends me a letter with my sister name on it not mine so why is it my credit report and why is she sending my sister personal information to me but addressed to my mom certified trying to ruin her business cause my mom came for her trying to scam me and letter said XXXX XXXX you owe us XXXX plus interest when we did not even owe the XXXX them and still not on credit report just a letter attached to my check saying XXXX plus what was added up to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. This is my follow-up complaint to my previous submission. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00}
Product: Money transfer, virtual currency, or money service

Our completely legitmate company followed all correct procedures to open am institutional account with Coinbase. 
They rejected our application. During the review we transfered XXXX XXXX into the account as there is no reason that we expected to be denied. 
Since then they have refused to send the funds back to the XXXX address from which they were originally sent with no timeline for resolution. 
We hve submitted support tickets, called over 20 times, been hung up on, spoken to managers, etc.
Product: Debt collection

Called again on XXXX XXXX, Did not give the XXXX XXXX during the call. This is the second violation pertaining to not giving the XXXX XXXX, this is a violation of the FDCPA. Also when call disconnected called my significant other without my permission attempted to collect the debt from her. This is also a violation of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Union Rejected Loan Application or increase in credit due to a low credit score and has incorrect information regarding student loan payments which has gone on for 20 years because of the XXXX situation. 

Credit Union XXXX XXXX XXXX XXXX XXXX ) uses XXXX to report and submit credit lines. Yet they are not connected to XXXX, XXXX ( security ) for privacy safety issues. 

Since they use XXXX, I lost points as I paid for XXXX for over a year trying to gain credit points, but the Credit Union didn't allow a connection to my account to see how I paid my bills. 

This cost points. They use the money, but they do not participate in the XXXX XXXX XXXX ( {$240.00} yr ) could have assisted a climb in my credit score. 

I've paid off loans, and as much as the COVID system has allowed, I pay my bills on time.
Product: Debt collection

Capio partners call me excessively every day harassing me and threatening to sue me
Product: Credit reporting or other personal consumer reports

Asked for XX/XX/XXXX to remove the freeze from my account thatbI didn't put on nor do I have an account with them. They refused without me sending photo copies of my license and social. I stated I was not comfortable sending that information in the mail or via fax thatbI could not verify and they will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX made on the XXXX. They didn't post till XX/XX/XXXX. XXXX. Contacted them to dispute. No success. 

In accordance to the Fair Credit Reporting act XXXX XXXX has violated my rights. 
Under 15 USC 1681 Section 602 states I have the rights to privacy.

Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor can not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

Wella Fargo has a breech in their security and a glitch in their system and they would not admit to it. A fraudulent activity happened to my account online that resulted for a new debit card issued in FL under my name. I reside in XXXX. I have been calling and reporting to Wells Fargo. XXXX XXXX I and my family were in XXXX and a the fraudsters from FL used a debit card under my name charging {$610.00}. I disputed the transaction, but Wells Fargo denied it. I asked them proof to prove that it was me in FL, they said it is not the bank duty to prove it. Wells Fargo will not give me my {$610.00} back despite their own security fault.
Product: Mortgage

I have had a mortgage with XXXX  XXXX XXXX for about 13 years. It has been beyond challenging every step of the way. The mortgage is in the name of the Estate of my deceased partner. Early on, I sent XXXX XXXX XXXX documentation dozens of times in order for me to have access to the account allowing XXXX XXXX XXXX to discuss the loan with me. Finally the last few years have been somewhat smooth as I am the only one associated with and paying this loan. I pay the mortgage on time and for the past 3 years or so have been paying an extra {$500.00} a week. Finally their system was posting the extra payments properly to principle.XXXX XXXX XXXX recently transferred my mortgage to Select Portfolio Servicing. It should be mandatory that when a company transfers a  mortgage they they transfer the mortgage with all documents and authorizations that belong to the mortgage. XXXX  XXXX XXXX did not do that.I called SPS and via the automated system was able to deduce that they are not posting my {$500.00} to principle but instead to future payments. That is not the way I want it and I have the right to make extra principle payments. The problem is SPS refuses to speak to me because they way I'm not authorized on the account. INFURIATING!! They say I have do dig up the past related to the death of my partner and find old documents and prove I'm authorized on the account. I'M NOT DOING IT! XXXX XXXX XXXX has those documents and has received them more times that I want to recall. XXXX  XXXX XXXX needs to contact CPS with the documents and then get all of the principle payments sorted out as that is impacting the amount of interest I pay. The consumer should not have to fix the problems that to big lazy institutions have created. These kinds of errors and sloppy postings could ultimately create issues that might impact my credit. I want this fixed now but XXXX XXXX XXXX and SPS.
Product: Vehicle loan or lease

Original Loan for purchase XX/XX/XXXX for XXXX  XXXX XXXX 13.43 % with original maturity date XXXX. During the course of the loan until XXXX XXXX loan extension were granted with those loans extending were added to the end of loan dated XXXX, extending my payment until XXXX all payments we made on time with made all XXXX payments complete. Upon requesting a loan pay off in XXXX of XXXX, I was told I still owed XXXX and need to take a loan modification or car would be repossed on XXXX. Loan modification was signed on XX/XX/XXXX showing a unpaid principal balance of XXXX, these extra XXXX payments on top of my XXXX payments comes to XXXX payments with a purchase price over XXXX new Maturity date is XX/XX/XXXX original amount fenced was XXXX
Product: Credit card or prepaid card

I rented an apartment and once given access discovered that it was roach infested and covered in XXXX. I gave the apartment complex multiple chances to fix the situation and they did not. I filed with Chime bank to reverse the charge of {$1200.00} on my credit card for goods and services not as described. Chime failed to protect me under the consumer rights act. I have an auto immune disorder, I can not live in roach infestation and XXXX everywhere, nor should I suffer financial loss due to the apartment complex negligence. Chime should have protected me under the consumer rights act.
Product: Debt collection

I have disputed these medical bills in the amount of XXXX and XXXX with Medical Finanicial Services twice in written letters. I have currently received a letter from XXXX XXXX XXXX trying to collect a debt. I have sent my documentation to XXXX  which has forwarded this documentation to Medical Financials service. XXXX and Medical Financials have ignored my documentation and violated my right s.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that there was an inquiry on my credit report for the TARGET CREDIT CARD from TD BANK USA that I did not authorize. I did not apply for this card and believe I was the victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have XXXX  XXXX banruptcuy on my credit report that i was not eligible to receive until XXXX, i was discharge in XXXX under XXXX  XXXX you can not filed again until XXXX, these credit bureau has XXXX  XXXX from XXXX to XXXX, i was not eligible to filed until XXXX, you only filed a XXXX  XXXX every 8 years from the previous.
Product: Money transfer, virtual currency, or money service

I used PayPal to receive money for a sporting good accessory through my business account and received payment on XX/XX/XXXX for {$690.00}. On XX/XX/XXXX the transaction settled and PayPal transaction fee was taken out with a net amount of {$670.00} being available for me to withdrawal. 

When withdrawing the {$670.00} on XX/XX/XXXX, PayPal asked for more information about the transaction. I shared what was asked and on XX/XX/XXXX was informed I could not longer do business with PayPal. PayPal cited : " After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. XXXX As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. '' PayPal said they would hold my money for 180 days at which point they would work with me to make the money available. That did not happen and on XX/XX/XXXX, PayPal took the {$670.00} citing " PayPal 's damages caused by Acceptable Use Policy violation ;. '' I would like my {$670.00} back as that transaction did not violate any
Product: Debt collection

XX/XX/XXXX I was asked to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a bill from the XXXX XXXX who read the XXXX XXXX  by mistake, given that the bill should go to XXXX XXXX for XXXX XXXX in XXXX. I confirmed that with multiple emails to the XXXX XXXX XXXX. Every time I received letters I would send it to the XXXX XXXX XXXX and they will assure me that it has been handled and it should have never been sent to me. Today XX/XX/XXXX I was checking my credit report and I see a mistaken this XXXX $ debt was sent to collection agency and reported on my credit report which damaged my score. I am extremely frustrated with the whole situation if you can please assist in this matter.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX, account number XXXX TRANSUNION : XXXX XXXX, account number XXXX XXXX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit card

XXXX XXXX XXXX XXXX {$1600.00} XXXX {$1600.00} XX/XX/year> - {$2200.00} XXXX {$2800.00} XXXX {$2800.00} XX/XX/year> - {$2800.00} XX/XX/year> - {$2200.00} There were no disclosures provided ( agency, lead based paint, radon, mold, i.e. ) as required by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX also classifies the unit as an illegal rental unit. There can be no consent of the tenant that would make the contract legal IF the contract was illegal from the beginning, which it was/is per XXXX XXXX XXXX XXXX XXXX XXXX Attached are copies of the city code, Supreme Court Ruling and proof of lack of permit/inspection as required by city code and law. I have addressed the former complaint with Goldman Sachs and provided legal support in additional disputes, but they are still being ignored. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, a Florida Supreme Court case, the court held, [ t ] his, then, is the undoubted rule, that, when a contract is expressly prohibited by law, no court of justice will entertain an action upon it, or upon any asserted rights growing out of it. And the reason is apparent ; for to permit this would be for the law to aid in its own undoing. It seems that if there is ever a true public interest it is in housing and the conditions that we allow people to live in. We have housing laws imposed for many good reasons including health and safety. So the question seems to be if your landlord entered into a lease with you, knowing that the rental property did not meet housing code, is there really even a binding contract at all? If there is not, and the contract, in essence, is illegal, should this not prevent a court from applying XXXX  XXXX ( statute that authorizes eviction ) awarding damages to a landlord who was suing for breach against a tenant. The Supreme Court held in XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, that [ XXXX ] o court of justice can, in its nature, be made the handmaid of iniquity. Courts are instituted to carry into effect the laws of the country. How can they become auxiliary to the consummation of violations of law? There can be no civil right where there can be no legal remedy, and there can be no legal remedy for that which is itself illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX XXXX is not mine and needs to be deleted from my consumer report.

Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts immediately
Product: Credit card

i noticed form fraud charges on my account in XXXX XXXX XXXX, and i called discover to get it fixed, and then i didnt recieve the letter of the outcome so i just let it go on, and finally i got some calls, i picked up they told me what happened, and apperantly the first person who took my information down didnt take it down correctly, i also told them this shilajt company was asking for way to many information, after i told them about the unknown charges, and the customer service agent decided to ask for my person number instead so " he can contact me through his personal phone '' which is not very professional, and considering this company isn't big or well know i declined and told him that's very suspicious. they also told me i have used my card at a XXXX XXXX in a different city, but why would i go and drive XXXXXXXX XXXX to a different city to pump gas in my car, when i don't even have my own car, and the only car i use is my dads, and i pump gas at the gas station near my house which is literally XXXX mins away, there were also some charges made from vending machines, and stores which i don't go to, and i told them. they denied the claim and they are forcing me to pay {$1000.00}, which i feel is unfair, I'm willing to pay XXXX $ of what i owe and XXXX $ on top for late fees and such but i am a college student whose credit and getting XXXX  XXXX, i cant just pay {$1000.00} that i dont truly owe, they also denied it because i told them i lost my physical card, but they didnt take into account thatt i can use my tap and pay feature, so they denied it because, they think i still have my physical card, but according to the customer service agent she said she cant see i made small payments using XXXX XXXX  which is tap and pay and some E- payments. i really need help getting this sorted out. i still dont have any mails or emails from discover in regards to my case.
Product: Money transfer, virtual currency, or money service

Someone impersonated a trainer and I sent them membership fees, but they never sent any membership forms. Shortly after they changed their XXXX contact info and I have not been able to contact them.