23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After viewing a copy of my  credit report, I noticed a collection account placed on my credit report from Online Information Services  on  XXXX   XXXX ,    2013  for {$190.00} I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of th  e fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.
I am aware that the HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my i   nformation to your company Online Information Services Cease any Credit Bureau until this debt has been validated by me.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 sent {$800.00} to this email XXXX This man was pretending to be military and that he loved me and needed the money as early release out of the military. He went by XXXX XXXX and found me on XXXX pretending to be another man. I found out that it was not him and he lied to me and scammed me. He made fake military Id and passport that he sent me that I screen shot.
Product: Credit card

There is a fraudulent charge on my account, and when I attempted to report it, the representative from the financial institution was very rude and hung up one me.
Product: Debt collection

I have disputed this account multiple times with Caine Weiner and what they sent me in return was not at all what I asked for. They have violated the FDCPA and FCRA by sending me incomplete validation after I disputed the account. I DEMAND JUSTICE! PLEASE HELP ME!
Product: Debt collection

I had a written agreement with XXXX XXXX XXXX in XXXX, TX to pay a re-letting fee once COVID was over. The agreement was initiated in XXXX of 2020, and the agreement was for us to " touch base '' after the pandemic ended. I never received anything else from the in regards to the debt. No one ever " touched base '' with me, or tried to reach out to me for the debt before just sending it to collections. I never had a problem repaying the debt. The apartment manager told me to " not worry at all about the payments right now '', due to the pandemic. I have attached supporting documentation. 

Thank you.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX XXXXXXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX - XXXXXXXX XXXX  - Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/year>, I was in a financial situation that needed assistance. I applied for a loan with one main  and I did not realize I had to purchase add-ons to get the loan. I have paid this loan down and I have even paid a lump sum towards the principle balance but because of all of the add-ons and interest, I still owe an unreasonable amount.
Product: Checking or savings account

Ive been a navy federal credit union member since XXXX. Ive decided to request an oops form several time and been accepted. Ive had 2 accounts that was closed out due to one being scammed the account was closed from fraud. On XXXX XXXX I received a email saying that I had mobile checks being deposited in my account the account was ceased and I was forced to pay back over XXXX dollars from someone else hacking in my account. I had to pay a full total of {$4700.00} in cash at the navy federal credit union atm XX/XX/XXXX in order to get my money out my account and reopen a new one Ive given them proof and still was forced to pay that account off in order to get a new account. I was being charged extra fees and demanded to pay back money that I had no clue about. I been being charged extra for overdraft even when I didnt no about the money in my account. I demand my full amount of refund for all my extra fees Ive been charged with since XXXX.
Product: Debt collection

I checked my credit report and I noticed that I had some fraudulent and inaccurate accounts on my credit report I reached out to the credit reporting agency to correct the information but they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 XXXX XXXX   XXXX XXXX XXXX from XX/XX/2018 XX/XX/XXXX
Product: Checking or savings account

Tromberg , Morris & Poulin , PLLC I paid my matter # XXXX IN FULL last XXXX. 

On XX/XX/XXXX they took an unauthorized {$100.00} from my bank account. I have contacted them every day for the last week to no avail. They stole my money and won't give it back. So, I had to spend {$35.00} and my time to go to the bank and stop payment. 

I have
Product: Credit reporting or other personal consumer reports

See Attached I submitted a complaint on XX/XX/XXXX requesting that you investigate and proved verifiable proof with records showing that I was late for XXXX  XXXXXXXX XXXX XXXX Account # XXXX on XX/XX/XXXX and XX/XX/XXXX The consumer reporting agencies have the need to report all information with complete accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 8 inquires on XXXX that shouldnt be on my report, i have 3 inquires on transunion that shouldnt ne on my report, and 5 on XXXX  that shouldnt be on my credit bureae period,
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I contacted Upstart to confirm payment process via check. I received an email with payment instructions and mailing address. On XX/XX/2024, I mailed the final balance of loan {$14000.00} to arrive on XX/XX/2024. I was provided a tracking number and confirmed it was received on XX/XX/2024. My account also showed the payment would be processes on XX/XX/2024. On XX/XX/2024 the payment possessed for {$15000.00}. On XX/XX/2024, I received an email for a check error and an assessment of a {$15.00} fee for a returned check. When I called upstart.com. I explained they made an error and processed the incorrect amount. I sent them a copy of the check and showed the error in the amount. I was told this would get taken care of. I called on XX/XX/2024 and XX/XX/2024 with no resolve. On XX/XX/2024, I called and spoke to a supervisor that advised me the process could take XXXX. I advised there is a payment due and was advised I would have to pay that. I need this error that was cause by Upstart.com to be corrected. I should not have to pay any additional interest for their error. Please assist.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to what you have reported to the credit bureaus the account number you supplied in connection to me report is XXXX in which YOU claim that I owe {$1500.00}. This is a formal notice that your claim is disputed. I am requesting validation that I OWE MIDLAND CREDIT, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. This has just come to my attention after pulling my report. Please note that I am requesting validation ; that is competent evidence showing this account belongs to me, I OWE YOU and have signed any agreements with you surrounding this. Please update this information to show never late/remove late payments. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. XXXX I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that Experian was sued by the CFPB? 

Below I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 

Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have told them repeatedly NOT to change my repayment plan and they did so, purposely resetting the repayment terms AGAINST my will. They have continually changed the repayment amounts and put in me into a payment plan I ca n't afford. I was told that it would be $ XXXX/month and now it 's over $ XXXX/month and I am unemployed and not receiving any unemployment assistance at all. I have been unable to find a job for six months and have not been able to make a single payment of the same amount for three months in a row without them changing the terms, repayment plan, or repayment amount.
Product: Money transfer, virtual currency, or money service

I filed complaint about this matter with case # XXXX. I received response from US bank. This response is not telling me anything about where the money is. It only explains the process. Only thing they mentioned is that they did not find any error. If there is no error, why recipient bank did not received the fund? Who will trace the money? I used US bank for this service and paid fee for it. Is it not their responsibility to trace and find where the money is? Do I have any right to know what happened to that transaction?
Product: Debt collection

A company called Optima Recovery Services is incorrectly reporting a debt of {$260.00} on my credit report. After all of the disputes I have sent, I have yet to receive any documentation to validate the debt they are saying I owe them.
The account number on my credit report is "   XXXX   ''.
I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this debt collection company.
They currently have an " F '' rating with the Better Business Bureau so I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting or other personal consumer reports

In reference to your response on XXXX 2025. To my previous CFPB complaint # XXXX.
Product: Mortgage

I had a 1st mortgage with XXXX XXXX, and a HELOC with USAA. I filed bankruptcy 8 years ago, but still make my monthly payments to both of the above companies. On XX/XX/2019 I received a letter from an attorney representing USAA threatening me with foreclosure unless I paid {$1000.00} in arrears, and started making an increased monthly payment of {$170.00} as I was 6 months in arrears. I checked my bank, and all of my payments to USAA were accepted. I called the number for USAA on the letter, which now calls itself XXXX XXXX. They couldn't find me in their system. I started refinancing my loan immediately. When my loan guy and I conferenced called USAA/XXXX, they finally located my account. They admitted, over a recorded line, that I have not missed any payments. They still moved forward with the foreclosure process, and my house is now listed as going up for auction on XX/XX/2019. I refinanced my home on XX/XX/2019, and USAA/XXXX was wired and accepted the payoff of the HELOC on XX/XX/2019, they are still moving ahead with the foreclosure. I have contacted the attorney representing USAA on XX/XX/2019, and forwarded them copies of the payoff documents and the wire transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to experian to up date my name on file once by US postal and then several times electronically with supporting documents, ss card copies, Nys ID passport and they still have not updated my name and address. 
According to the fair credit reporting act, 12 USC 1681, I have the right to privacy. 
Also according to 15 C 6802, no financial institution is supposed to share my information with a 3rd party agency. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I had my car voluntarily repossessed due to the engine being bad, as I was sold a vehicle with a bad engine and was unaware of this issue. I have a balance of XXXX. This was reporting accurately up until XXXX of XXXX. As of XXXX of XXXX, it is reflecting that my car was voluntarily repossessed in XXXX of XXXX and that I have a balance of {$11000.00}. I have disputed this repeatedly through the credit bureaus, and my dispute has been closed repeatedly with no investigation. I have spoken with the original creditor ( XXXX XXXX ) who has advised me that they are unsure why the credit bureaus are reporting this inaccurate information, and that they never heard from the credit bureaus regarding the investigation. I have disputed it multiple times, and they have closed it with 0 investigation multiple times. My last time disputing this was in XXXX of XXXX with all 3 credit bureaus. 
Additionally, experian is the only one who sent me my results via mail, and I believe it may have exceeded 30 days as well.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated and saddened by the appearance of unauthorized inquiries on my credit report. I checked my report as usual, but the discrepancies appeared out of nowhere and remained even after refreshing my browser. I am asking for an immediate and thorough review of the documents I sent to resolve this issue once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised I had no account with them XXXX nor did I have a contract with them .and to please provide documents to me. They said you dont have a account but u owe us because we bought your account from another company.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I refinanced my mortgage with Lakeview closing is XX/XX/2021. I was told by the company that my payment would decrease by $ XXXX month. At the time of closing, the payment was not lowered and I expressed concerns about the total payment but was assured it work be fixed once closed. The reason the payments were higher then expected was due to taxes being doubled. I waited for the the fix to be corrected, but Lakeview did not fix. I contacted Lakeview in XXXX and was told it would be corrected. I was requested to send the latest tax information. It was confirmed that Lakeview received the tax info and verified the tax was doubled. I was told that the tax info would be updated and the a new escrow analysis would be completed. In XXXX and XXXX, the tax amount was not updated and I was told to just pay the extra amount. In XXXX, again contacted and was told the issue would be taken care of. Today I called and found this the tax info was updated but then reversed and that my payment was not adjusted. So again, the customer reps have reopened the case to have the tax amount corrected and the escrow analysis be completed to show the correct amount. However I have no faith that it will be completed as I have tried for 3 months in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived with XXXX XXXX back in 2016. He got a credit card and put my name on his account which he got a card for me under his account. He said he would take care of all payments the address on the account is his. XXXX lives at XXXX XXXX XXXX XXXX Illinois. I Moved out gave him his card with my name on it. He apparently didnt pay the bill like he said he was going to. Now its showing up on my credit report. I have no idea what the account number is or was and have none of the bills because they were in his name and went to his address. I dont feel I am responsible for his actions. Please remove the delinquent account from my credit report it is XXXX dollars I believe. And is to capital one credit card company. Thank you XXXX XXXX
Product: Credit card or prepaid card

I worked with Synchrony Bank to pay off my balance almost a month ago and would like to have this removed from my credit history. I would like to get married to my partner and also, buy a house in the future, and this is impacting my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It XXXX Concern : I am writing to dispute several accounts on my credit report that are being inaccurately reported, which violates the Fair Credit Reporting Act, 15 USC 1681b, that defines the permissible purpose of consumer reports. According to the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( j ), exclusions from a consumer report should be removed. 

The following information is incorrect : Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX XXXX resident type : single family Address : XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX, IN XXXX, resident type : single family Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX, resident type : single family Phone number XXXX ( XXXX ) XXXX, cellular Phone number : ( XXXX ) XXXX, residential Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name variations : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and make necessary corrections to my credit report. I have attached a copy of my identification as well as any other relevant documentation to support my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I recently opened a new bank account with Chime and set up for Direct deposit with my employer. I decided to go with Chime based on XXXX features that is advertised on their website. The features advertised was sign up for direct deposit and get paid 2 days early and spot me for like a payday loan. On XX/XX/XXXX I started checking my Chime account for my early pay and it was not there. I called Chime customer service around XXXX and was treated horribly. The phone rep left me on hold for minutes with never checking back with me. Then she told me that she does see my direct deposit set up and told me my employers name XXXX XXXX XXXX XXXX Co. However the funds are not released because my employer is verifying the bank information. Normally an account is verified before an employer sets up the direct deposit, not after. She rudely talked over me and when I asked for a supervisor she proceeded to tell me that her supervisor is going to tell me the same thing. I thought that was very rude and unprofessional of her. The supervisor now comes on the line and I explain everything to him. Even how his rep told me she sees the direct deposit from my employer. He then tells me he does not see the direct deposit. long story short the supervisor ignorantly hung up on me. Chime is providing false information on their website for early payday if you set up for Direct Deposit. Before this I was dealing with XXXX and I always got my pay 2 days early since 2019. My pay came every Tuesday at XXXX pm EST. I really am upset that I fell for the false advertisement and was fluked. Them when I called Chime I was treated so horribly and hung up on. I never swore or said anything in a threatening manner for the supervisor to hang up on me like that. Mostly the fact that I decided to do business with chime and put my money that I work hard for into their Financial Institution and was treated with no respect. After this experience I did switch my direct deposit back to XXXX and I will be closing out the account with Chime whenever I do finally get my pay deposited. Chime needs to be fined for false advertisement and lying to customers.