23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After XXXX for Tenet Corporation for 15 years, I find this action appalling. I had XXXX unpaid medical bills that I was fighting with my insurance company about paying that I explained to them. I was never contacted by phone that I was being reported to the credit bureau. In the meantime, Central Financial XXXX reported me to the credit bureau for XXXX account 3 days before my home closing. I called and explained and spent 3 hours on the phone one day and another 2 hours another day trying to get it removed. This action has essentially ruined my life and these people did not seem to get it.
Product: Debt collection

On XX/XX/XXXX, my house was broken in and {$60000.00} face value of US Savings Bonds were stolen. I called XXXX XXXX Police and a crime report was written. I also reported to the Treasury Dept for the bonds being stolen. Treasury Dept directed me to submit some forms to verify identity, to identify the numbers of the bonds, and to convert the paper bonds into ibonds. OnXX/XX/XXXX, XXXX XXXX in XXXX Arizona opened bank accounts ( # # XXXX & XXXX ) for a person in the name XXXX XXXX XXXX by means of my social security number and California driver 's license number, and let this XXXX XXXX XXXX cash the stolen bonds for {$94000.00}. I do not understand why XXXX XXXX let this person redeem the stolen bonds even though the names on the bonds do not match this person 's name. 
On XX/XX/XXXX, I received a letter from Treasury Dept stating that I owed the US government {$120000.00}. I talked Treasury Dept over the phone and explained it. Treasury Dept did not try to find out the truth. Instead, Treasury Dept sent the debt to XXXX XXXX XXXX, aka ConServe. On XX/XX/XXXX, ConServe sent me a collection letter and asked me to pay {$120000.00}. I wrote to ConServe to dispute the collection and request a copy of Proof of Debt. ConServe confirmed receipt of my dispute and request over the phone. I have not heard from ConServe for more than half year since I disputed the collection, nor have I received a copy of Proof of Debt. ConServe can not practise business in such a bad manner!
Product: Credit reporting or other personal consumer reports

These are not my accounts. Please remove it from my credit report. 

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: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Checking or savings account

IRS does not have the check and the copy of check provided by Fifthird Bank has no clear tracking numbers on the back side which IRS can track.

IRS needs the banker who sent the check to IRS will have to call IRS and provide the tracking information.

Fifth Third is responsible for tracking information what they did per IRS representative.

.
Product: Checking or savings account

I am writing to formally file a complaint regarding Chimes mishandling of a dispute I initiated, which has caused financial losses, unnecessary stress, and unresolved issues. On XX/XX/year>, I noticed XXXX transactions on my Chime accounta {$150.00} payment and a {$50.00} paymentwhich I initially believed to be unauthorized. These payments were made to my XXXX credit account. Consequently, I filed a dispute with Chime under Claim # XXXX. Shortly thereafter, I realized the transactions were indeed authorized and promptly contacted Chime to close the dispute, assuming the matter was resolved. 

However, despite my request to close the dispute, the {$150.00} and {$50.00} payments were refunded to XXXX. As a result, XXXX charged me {$30.00} for each returned payment, totaling {$60.00} in fees. While XXXX confirmed that the payments were refunded, the refunded amounts have not been credited back to my Chime account. Upon contacting Chime for clarification, I was informed that the issue lay with XXXX, creating confusion and frustration. 

When I pursued the matter further with XXXX, they requested an electronic transmitter document from Chime to verify the status of the payments. However, Chime informed me that it does not issue such documentation, leaving the matter unresolved. This lack of coordination between Chime and XXXX has caused a financial and procedural impasse, with both institutions deflecting responsibility
Product: Credit reporting or other personal consumer reports

I was alarmed to find an unauthorized inquiry on my credit report today, and I have no clue why its there. I check my report frequently, and this unexpected error has caused me great frustration. Refreshing my browser didnt fix it, confirming that its a real issue. I am demanding that my submitted documents be reviewed promptly so I no longer have to deal with this unnecessary stress.
Product: Mortgage

I'm a XXXX individual that has a property I own that I have a FHA loan for. I signed my contract for my loan with one lender and now I'm dealing with Mr Cooper who is not listed as the lender in my contract. 
Mr Cooper employees have refused to allow me to make payments, I also have my payments set up for auto pay on the XXXX of each month and Mr Cooper has never took my payment. 
Mr Cooper employees have also used my Disabilities to treat me less favorable and interfere with my contractual relations and purposes of my federal FHA loan and allowed it's employees to interfere with me making payments. 
I'm concerned for my family and infant son and where how Mr Cooper has already treated us, we are in fear they may attempt to interfere with my loan contract and property. 
As a XXXX person I understand it's a federal felony to deceive and exploit me in matters involving my finances and property, and given Mr Cooper 's ongoing conduct and the abuse and discrimination I've incurred I'm concerned for our safety and welfare. 
Mr Cooper employees have shown in recordings they believe Disabilities, the law and someone's rights are merely feelings and believe their policies allow them to abuse and mistreat vulnerable disabled individuals
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted   XXXX   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX  Bank  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX    XXXX    XXXX / XXXX / XXXX
Product: Vehicle loan or lease

I have an auto loan with Citizens Bank. I was late on two payments because of extreme hardship conditions. In my 14 year credit history, I have only these two late payments. In order for me to apply for apartments or loans to get a home, as I am a single mother of XXXX  young kids, I asked them to remove/change the items on my report as a Goodwill adjustment. I called XX/XX/XXXX, and they sent me the attached letter, stating they investigated the issue ( not what I asked ), and because it is correct they can not remove the items as a goodwill gesture ( which in the case they were incorrect, this would not be a goodwill gesture, rather the legal thing to do ). They claim this is per FCRA regulations. I called the Consumer Finance Customer Service Department XX/XX/XXXX, and the gentleman put me on hold to see what he could do, then told me they can not remove late payments per FCRA law. He also told me, as did the person I spoke with XX/XX/XXXX, there was no one in any other positions I could speak to about this issue, nor was there anywhere I could send a goodwill letter to. On Citizens Bank website there is a credit repair page that even advises consumers who wish to repair their credit to contact creditors and ask for goodwill adjustments and/or write them a letter. I was a single parent, pregnant, homeless, and in a hopeless situation that I never hope to be in again. Otherwise, and in the future, I pay all my bills on time, and do not see why they will not take the time to listen to me, work with me, or even give me an opportunity to mend my issue. I paid both months that were late, including the late fees. I feel like they are not being forthcoming by using the FCRA regulations as an excuse for poor customer service.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I TALKED TO A TRUIST REP, AND SHE SAID NOW THEY CAN GIVE ME AN OPTION OF A VA DISASTER MODIFICATION. BUT I DON`T UNDERSTAND IS WHY THEY FAILED TO OFFER ME THAT OPTION BEFORE BACK IN XXXX. THE VA HAD 2 OPTIONS FOR VETERANS BACK IN XXXX. THEY WERE SAYING THAT MY LOST MITIGATION PACKAGE WAS INCOMPLETE AND THAT IS ONE OF THE QUALIFYING MEANS OF GETTING THAT OPTION. IF THEY HAD OFFERED THAT OPTION I WOULD`VE SIGNED THE DOCUMENTS FOR THE MODIFICATION BUT THEY WANTED TO GRANT ME A EXPLOITATION OF TERMS. MY CASE WOULD`VE BEEN IN THE PAST. THEN THEY THROW THE PACKAGE IN THE TRASH WITHOUT THE OFFER FROM THE VA. NOW YOU SAYING I AM 19 MONTHS BEHIND IN MORTGAGE PAYMENTS? MY FORBEARANCE STARTED ON XX/XX/XXXX AND ENDED ON XX/XX/XXXX, SO YOU SAYING I MADE NO PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX. ( XX/XX/XXXX TO XX/XX/XXXX = XXXX ) AND XX/XX/XXXX TO XX/XX/XXXX = XXXX. YOU STOPPED MY PAYMENTS XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowered my credit score by 43 points without reason. I have no late payments, no missed payments, no new credit accounts nor have I applied for new credit. My scores have continually risen throughout this year. Last months Transunion report shows I paid down my total credit debt by more than {$1500.00} that month and had 2 hard inquires fall off my report, and as a result they lowered my score. 43 points is a big drop and this has been reported to several of my creditors already damaging my credit standing. I called Transunion and was told I can not dispute a score because it is done by a computer program. They must be forgetting a program is only as good as the human entering the data for it to use. There is nothing to dispute on my report itself because there are no negative items on it. My score has continued to increase with both the other 2 credit reporting agencies. This is a completely unfair practice and the stance they take based on it being calculated by a computer so it has to be right is also an unfair and bad practice. It can take many months to recover the points they took and too lower someone's score just BECAUSE is as unfair as it gets in my option. We all know in todays what credit ratings mean.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on two credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Mortgage

GREEN TREE SERVICING, LLCI received a " Your Mortgage is in Default '' letter XXXX XXXX of them to be exact ) due to XXXX missed payments, but I have the bank statements to prove otherwise. In the meantime, I have storm damage and awaiting their endorsement of my homeowner 's insurance draft in order to complete repairs XXXX which includes mold growing in the walls ) that they have yet to return. How does this company have a license to stay in business? They have been doing this for years and nothing ever happens to them. I had no control of them taking over my mortgage and would have protested that had I been made aware of the sell of my mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 
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 a 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 XXXX 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.
Product: Credit reporting or other personal consumer reports

I have had two credit inquiries on my account in the last 24 hours. Both were on XX/XX/24. The first was from XXXX XXXX XXXX XXXXXXXX the second was THD/CBNA. I did not initiate these actions for either! On XX/XX/24 I was alerted of a security data breach from XXXX XXXX XXXX and was informed that my social security number had been compromised. I'm wondering if someone is using my social security to apply for credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have made a dispute that lexisnexis information is inaccurate and in return I received letter a confirming their information is accurate. On XXXX website it states and I quote " This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, LexisNexis. '' I'm requesting LexisNexis provided proof of third party vendors that provided this accurate information XXXX, XXXX information which has been provided by LexisNexis states information provided LexisNexis is accurate which in fact isn't. Both information provided by LexisNexis is wrong and inaccurate on both credit reports. Theirs no abbreviations on Federal court documents verifying the government building. the credit report doesn't have the full Federal court government name and theirs no full address of the federal court house on both XXXX and XXXX. By the FCRA any information placed on a consumer credit file needs to be accurate according to the document when placed on a consumers credit file. I request by law for proof of LexisNexis provided their Investigation is accurate.

. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to submit a formal complaint to appeal this PayPal decision. 

I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. Therefore, I would like to kindly request PayPal to re-investigate my case thoroughly and restore my account if possible. 

As a long-standing PayPal user, I have always followed PayPal 's policies and procedures and have never faced any issues with my account. Therefore, I am confident that this limitation is a result of a mistake, and I urge you to re-evaluate the situation carefully. 

I understand the importance of maintaining the integrity of the PayPal platform and the need to take swift action against any policy violations. However, in my case, I have not committed any such violations, and I am confident that a re-investigation will prove my innocence. 

In light of the above, I respectfully request that you conduct a thorough investigation of my account and restore it as soon as possible. I hope that this issue can be resolved promptly and efficiently, and I look forward to a positive resolution of this matter. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Account No. : XXXX XXXX XXXX XXXX XXXX, WI XXXX. Opened : XX/XX/2009 Has my account as reported to XXXX  as a revolving charge account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

Several items and inquiries are being reported inaccurately on my consumer reports and I have already given information of identity theft which I have on all three consumer reports yet they continue to report the inaccurate information which is negatively affecting my business with other businesses