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

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX XXXX & XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX TransUnion XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX & XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # xxxxxxxxxxxx XXXX XXXX Acct XXXX xxxxxxxxxxxx XXXX XXXX XXXX  Acct # xxxxx XXXX XXXX XXXX Acct # xxxxx XXXXXXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without written instructions.
Product: Debt or credit management

I have a social security number that contains XXXX numbers in sequence so I've always had problems with identity theft and poor credit. A friend told me about Lexington law and how they would dispute any creditors and accounts on my credit report and bc of certain guidelines and procedures they could get amazing results leading to a massive jump to my credit score as well as eliminating accounts that weren't mine. They explained that I would pay them a monthly fee and they would do the leg work and research and submit the documents needed to benefit my future but it may take a few months before I received results. This made sense to me so I agreed after about the XXXX or XXXX month of paying Lexington I reached out to get a status update. They simply stated it took time but could show me any supporting proof they had done anything to even get the process started. I continued to pay Lexington for quite a while until I finally gave XXXXp.I paid them XX/XX/XXXXwith no sign of anything actually in works or accomplished.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did a transfer for {$630.00} from my Bank of America Account to my XXXX account. After several days passing by, I noticed that transfer never made it into the account. I immediately contacted XXXX and filed a claim, I also did the same for Bank of America. On XX/XX/XXXX I did another transfer for {$310.00} from Bank of America to XXXX. The same thing happened and that transfer never made it into the XXXX account. I did the same steps of filing a claim with both banks. 

I uploaded supporting documentation to show that I had the money in my Bank of America account and also uploaded my XXXX statements to show that those funds NEVER made it into that XXXX account. 

To my surprise, on XX/XX/XXXX and XXXX Bank of America authorized a fund reversal for those XXXX amounts of {$630.00} & {$310.00} from XXXX, putting the account into the negative. When contacting XXXX about this they informed me that I would have to contact Bank of America since they authorized the fund reversal. After numerous weeks of being told one thing and being hung up on multiple times, I spoke to a supervisor named XXXX on XX/XX/XXXX at XXXX am from Arkansas. He informed me, on a recorded line, that Bank of America did authorize a fund reversal since on their end it showed XXXX completed transactions into the XXXX account. I told XXXX that I do not understand how that made any sense, the funds never were deposited into the XXXX account so why would Bank of America do a funds reversal?? He said that its because it showed completed on my Bank of America account. I uploaded statements and documents showing that yes, although the transaction was completed the funds never made it to their destination, therefore by doing a fund reversal we lost over {$940.00}. 

XXXX informed me that both claims had been closed and that there was nothing else Bank of America was willing to do. XXXX told me that since this issue happened with Bank of America there was nothing that they could do. I have exhausted every possible avenue that I could with both Banks, and neither is willing to admit their fault in this situation. I just want that money returned back to XXXX. I am not certain why those transfers never got deposited, XXXX XXXX agent suggests it was a glitch in the system. However, that glitch has cost my family a great amount of pain and struggle.
Product: Credit reporting or other personal consumer reports

Thisauto loan does not belong to me. My credit report shows it was opened on XX/XX/year> and has a balance of XXXX.
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong number and the wouldnt refund the money.
Product: Mortgage

Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXXXXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, and they have agreed to delete this medical bill from my credit report and it is still showing up on my credit report with TransUnion. TransUnion sent me an email stating that the information would be removed but it has yet to be taken off of my report.
Product: Checking or savings account

On XX/XX/2021 I attempted to use my USAA debit card, which has all of my money on it, to get gas. The card was declined. When I opened a USAA app, it showed that there is no card linked to account. When I called the bank, they stated that USAA no longer wishes to do business with you. When I asked for the reason, I was simply told it was management decision. I have approximately {$6000.00} in deposits next week from the Veterans Affairs ( protected veteran ) and paycheck. I have to make rental, car and insurance payments on the XXXX of XXXX. Was told by USAA that my account is due to be closed on the XXXX of XXXX and then I will be mailed a check with my funds, which should arrive in the middle of XXXX. Until then I will be without any money. All the money for my VA XXXX and education will be rejected and sent back to the VA, which will take unknown amount of time to be deposited into another account. I never received any notification of the account closing, otherwise I would not hold my money in it.
Product: Checking or savings account

I was scammed into making a XXXX  payment and never received what was promised in return. I requested a refund on numerous accounts and nothing in return. I filed a dispute with the bank and they said it was not a fraudulent payment. it was absolutely fraud and it was a payment for {$XXXX}
Product: Credit reporting or other personal consumer reports

Incorrect information related to 15 USC 16c-2 is showing up on my credit report. I did not authorize the listed hard inquiries, and they're damaging my score. Please delete these unauthorized entries. Thank you.
Product: Debt collection

Late one night about six years ago, we rushed our XXXX-year-old cat to XXXX XXXX XXXX Hospital in XXXX, NJ, because he was hemorrhaging from his mouth. When we arrived at the reception desk, they demanded a large sum of money up front in order to treat the cat. We didn't have that much on us nor in our checking account, so they shoved a CareCredit application under our noses, which we signed under duress.

CareCredit, also known as Synchrony Bank, is a known predatory lender that colludes with veterinary and medical practices to coerce consumers into taking out credit before treatment is rendered. CareCredit has been investigated by the New York State Attorney General and in XX/XX/XXXX was successfully sued by your agency, the CFPB, and forced to refund XXXX XXXX dollars to consumers who had been victimized by the same heavy-handed practices that my wife and I were subjected to several years ago. 

They ran it and got approval for an amount around {$3000.00}. At that point a young veterinarian brought the cat into an exam room and looked at him. He found that the cat had a XXXX XXXX XXXX but insisted he could " catch it '' by putting the cat under general anesthesia and removing part of his jaw. He brushed aside our concerns about performing that operation on such an elderly cat. 

Bottom line, the vet performed the XXXX, our cat stroked out on the table, and we got a {$3000.00} bill for our trouble. I tried to contact the administrators of XXXX XXXX but they ignored my calls. I contacted lawyers to sue for damages but they refused because the market value of an XXXX-year-old tabby is about {$3.00}. 

Nevertheless, we attempted to pay off the debt. Around XX/XX/XXXX I was having difficulty making the payments and called CareCredit to ask if they would work with me. The phone rep said absolutely. Then the next thing I knew, our account had been sold to XXXX XXXX, XXXX a litigious collections firm. When I wrote to them detailing what happened, they just wrote back saying I owed the debt. 

Now they are taking us to court in XXXX County, NJ. I have called numerous consumer lawyers and none will take my case because they can't make enough money off it, or they demand retainers totaling more than the debt is worth, or they attempt to persuade us to file bankruptcy when we neither need or want to do. We have contacted legal aid but they denied us help because we aren't " indigent ''. 

This is a serious legal donut hole that leaves many consumers vulnerable to predatory lenders and collection agencies who know they can win in court because their victims can not afford proper legal representation. 

We have a court date set for XX/XX/XXXX and are being harassed by an aggressive lawyer who is pressuring us to fill out interrogatories or have a summary judgment against us. Since we aren't legally trained, this puts us at a disadvantage.
Product: Credit reporting or other personal consumer reports

Account on credit report is showing a discrepancy in last payment date of XX/XX/2022 and XX/XX/2022 which is a violation of FCRA laws ( 15U.S.C 1681e ( b ) ). 
Never receive a 1099-C form from original creditor ; under the IRS definition of charge off it has become a canceled debt and has to be reported on my income. 
The original company, The XXXX XXXX sold my account to XXXX XXXX XXXX without verifying me and without disclosing their responsibility which is a violation of FCRA laws ( 15 U.S.C. 1681e ( d ) ) The company, XXXX XXXX XXXX, is not bonded nor licensed to collect in my state of South Carolina. 
Please delete account off my consumer report due to violations and inaccuracies.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$2000.00} On  XXXX / XXXX /  XXXX   Was Added To All  XXXX  Of My Credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not delete them, nor prove validation. XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

I am a closing attorney. I handled a closing for a client in which a manufactured home was also being conveyed. Shellpoint Mortgage is the holder of the mortgage on the manufactured home. They admit the lien has been paid. They stated they sent a lien release to the seller for my closing, but South Carolina law requires the release be sent to the SCDMV. I cited the law to Shellpoint and have provided ample opportunity for them to remedy their failure to comply with South Carolina law. They refuse to take any further action or to comply with the legal requirements of the SC Department of Motor Vehicles. My communications have been with XXXX and was told by whoever monitors this email address ( no signature included in their email ) that I would need to direct my inquiries to the Shellpoint customer only.
Product: Debt collection

Hunter Warfield is a third party debt collection company wanting to collect a debt from me that they purchased, I never received a debt validation letter from this company never received anything from this company other than phone calls asking me to settle the debt.. I tried to reach out to them via phone and was directed to another third party company representing Hunter Warfield.I was asked personal information when I explained that I was seeking debt verification from Hunter Warfield.. Basically I was refused access to a representative of the company directly unless I verified personal information and I refused please help with this matter.. Thank you
Product: Mortgage

I had a mortgage with XXXX XXXX. I made all payments, I even had a payment plan with them, bi-monthly. They closed that program down wth no warning. I was injured on a job, had XXXX fell behind in payments, caught up the month in question is XXXX. My daughter and I made the full payment, late but it was made. Later on XXXX had a Home preservation program ( loan modification ) I entered it during XX/XX/XXXX. The modified payment began on XX/XX/XXXX- XX/XX/XXXX, a six-month program. after it was done I was to resume my normal paymens. Somewhere along the way, XXXX destroyed six months of payments they transferred my loan to Carrington, then they said I was behind and owed Carrington the six months of payment beginning in XX/XX/XXXX including the difference from the modification payments. I have my records that shows I paid everything and Carrington will not accept them because of a missing signature on faxed copies. They have sent back my payment for XX/XX/XXXX. They accepted my payments for XX/XX/XXXX and XX/XX/XXXX. They told me they will not accept anymore payments from me.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : STATE OF MI XXXX XXXX - Account number - XXXXXXXX XXXX XXXXXXXX - Account number - XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX 
Account number - XXXX ______________________________________ XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XX/XX/XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Well i checked my credit score and noticed anew XXXX from citicard cbna we have no idea what this is we have not opened any acounts with citicards cbna, please help
Product: Debt collection

I called   XXXX   XXXX   on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me mor e than 2 weeks prior. Then I receive a letter from NCCI a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sending door knockers for no apparent reason after they have already received calls in order to bill a mortgage holder fo r services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.
Product: Credit card

I am profoundly concerned and completely discontent with the developments in my credit report. Kindly remove any indications of late payments and adjust the status to either " paid now '' or " as agreed. '' I consistently make timely payments on these accounts. I earnestly seek your assistance in promptly updating this information.
Product: Credit card or prepaid card

Target 's store Red Card is reporting that my bank account has an " invalid '' Routing Number. When I called in to support they said they don't let you pay with " Online Bank Accounts ''. I have no had issues paying with XXXX XXXX, XXXX, or XXXX XXXX XXXX   XXXX, and there is no difference between those and the XXXX XXXX XXXX XXXX and should not be a way for them to XXXX customers who are just trying to pay their bills with US Dollar tender in a valid US bank.
Product: Debt collection

I received notice on XX/XX/XXXX of an outstanding balance owed on behalf of XXXX XXXX. AMSHER was the collection agency notifying me. I responded within twenty days ( 3 days ) that I did not owe the amount and that I have never had an account with their client. I still maintain this belief. I received notice of a completed investigation via derogatory information sent to the three credit bureaus. I have not heard from AMSHER about the investigation. My credit score went from XXXX to XXXX due to this. I disputed the report with the three agencies and again, they conducted an investigation and said that the report was accurate. However, the three agencies removed a previous report from a collection agent of XXXX XXXX for the same amount, in XXXX of this year. I do not owe this amount or any amount to XXXX XXXX. I have never had an account with them. The derogatory information has taken my credit rating from " good '' to poor, losing some 107 points for a bill that I do not owe nor create and has caused me to be out of credit range for significant purchases that I had planned on making this summer.
Product: Credit reporting or other personal consumer reports

I submitted a complaint already and attached a court order to be removed from this loan. 

I have attached a COURT ORDER that EXPLICITLY STATES XXXX is solely responsible for these student loans. 

The Complaint was closed with a letter from the company stating that I simply " did not want '' to be a co-signer on this loan. They disregarded the court order. 

COURT ORDER FOR REMOVAL IS ATTACHED. 

Please see section IV - 1 which states " Wife shall be solely responsible for her student loan debt. '' I have emailed XXXX directly on XX/XX/XXXX, XXXX, XXXX, + XX/XX/XXXX, but have not recieved a response from them pertaining to this.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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