23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was hospitalized after a XXXX accident. I had {$35000.00} worth of bills. At the time I had medicaid share of cost of {$300.00}. Being that my bills were way over {$300.00} my share of cost turned into full coverage. the hospital billed and got paid for all my bills but for whatever reason the hospital left out XXXX bill of {$1700.00}. I called the hospital many times and they said they would bill my insurance however they did not. It was than sent to central financial control a collection agency. I told the reps many time to please bill my insurance and each time they tell me they see the info in my notes but dont know why it was never billed. Months later I find out that they put the bills on all my XXXX credit reports.
Product: Debt collection

A debt collection company with the name Sunrise Credit Service has damaged my good name and credit by posting an invalid account under my Name and SSN, I have contacted several collections companies in the past with this same account for {$330.00}, THAT WAS RETURN IN 2021, AND RESOLVED BY THE ORIGINAL PROVIDER XXXX. Sunrise Credit Service never contacted me by phone or email, before placing this account on my file, I am XXXX! I will be taking legal Action. 

I have enclosed the information that the team at XXXX CPE Escalation sent me. 
Sunrise Credit Service, engages in fraudulent business practices and should be sued!
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act. This creditor has violated my rights. under 15USC1681, section 602 states I have the right to privacy. 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 made not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Product: Mortgage

Wells Fargo foreclosed on our home in XXXX. We tried extensively to work with the bank to modify the loan and avoid foreclosure. We sent the paperwork we were told to send more than 20 times only to be told over and over again that they didnt receive it or it was lost. Finally, we were told we qualified for a HAMP modification and then denied after we submitted more paperwork. We were worn down to the point of being unable to fight anymore. Looking back, we had rights and they were taken from us by the bank just running us ragged. We purchased the home in XXXX for {$350000.00}. Wells Fargo auctioned it off for only {$180000.00}. A price well under what we could have afforded to stay in the home. Since then, we have undergone a landslide of financial after effects from the foreclosure. Wells Fargo was not honest and should provide restitution for their dishonesty and mistakes in dealing with our home foreclosure process. We have been unable to own a home since XXXX because of Wells Fargo not following proper protocol.
Product: Checking or savings account

Tried to placeXXXX.on secured credit card at regions bank .teller told me I couldn't after she deposited my XXXX. I withdrew it. I wasn't wanting checks mailed to me or a debit card .just secured credit took m paperwork she gave me burnt it .she took my direct deposit from social security check. I did not give permission for that couldn't find my check. that was over a year ago in XXXX XXXX. Branch in XXXX ga. Where I moved to from XXXX refuses to talk to my about a loan telling me I don't know how much income I have .I know .teller refuses to issue me debit card for twenty for hours so I to a different branch .get the card.this hole time have not been able to do online banking. They have been charging me for every transaction. Just found out last week.
Product: Credit reporting or other personal consumer reports

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. Whos studying XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Three credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Credit reporting agency will not allow me to access my credit reports online at Transunion.com the have prevented me from looking at my credit report and filing disputes online.
Product: Credit card or prepaid card

i ahve been a good customer with us bank XXXX for many years. way back i earned a XXXX dollar reward for XXXX. i noticed it had not been credited i asked about it and was given some one size fits all script about where the reward was. i asked why i had not gotten it.i was told a supervisor would call me about getting the XXXX dollars some other way this never happened. i XXXX and just get the run around no one responds. please issue the XXXX dollars i am owed it as per the card terms despite XXXX being out of business.
Product: Mortgage

I was selling my property in XXXX and was supposed to have the closing on XX/XX/XXXX. Yesterday the buyer informed that he is walking away. There was an issue with appraisal where the appraiser selected wrong properties as comparibles, didnt do the adjustments properly and had arithmetic errors all resulting in an deflated value. That appraiser had 4 recent ethical violations on his record. The lender for the buyer was told to use last appraisal from XX/XX/2017 from prior deal that fell through, but since it was an FHA loan ( so is this ) they can use the same appraisal for up to 6 months. That XXXX appraisal done by another appraiser, was correct and free of errors with an appraised value of much, much higher than the one with errors. 
Now, the lender took no action, the buyer is annoyed, unwilling to go to another lender and is walking away. We all here understand the issue with the appraisal and the appraiser. 
Can we bring legal action against the lender - XXXX ( originating mortgages for XXXX XXXX XXXX ) for failing to abide to rules and regulations of FHA financing and failing to use the XXXX appraisal? They should know the rules that in FHA loan an appraisal stays with the house for 6 months regardless of the lender. It's obvious and clear on the appraisal they got from the latest appraiser that the adjustments are not done correctly, there are simple math errors, not to mention selecting wrong comparibles while right ones were available. The lender admits there are errors, sent it back to the same appraiser for corrections, but 2 weeks later no corrections were done and the same exact appraisal was sent back. The lender is not taking appropriate actions. 
Because of this lender I will lose the deal and money, and I already sold most of my furniture to have the house ready for closing in a week. 

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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX : ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # 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 instruction 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 conviction 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 a to any 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

XXXX XXXX XXXX XXXX XXXX Collection agency name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Product: Credit reporting or other personal consumer reports

I disputed a fraudulent account with EQUIFAX a few months ago because someone open an account with XXXX that I did't authorize. The account was investigated and proven to be fraud and it was removed. However, XXXX sold this account to XXXX XXXX XXXX which reported late payments on my credit report. They have never contacted me or sent out a letter. When I spoke with a representative NO ONE knew that this account was FLAGGED fraudulent but told me it could only be removed if i paid the balance due or make a payment arrangement.
Product: Credit card or prepaid card

On XX/XX/XXXX, we submitted a complaint against Citibank for reporting erroneous information about our credit card account. 

The issue is this : In late XXXX, XXXX we received correspondence from XXXX XXXX XXXX regarding the above referenced Citi Mastercard. In a subsequent phone conversation, we explained to XXXX that we had : Never received any statements from Citibank about the account ending in XXXX. 
Had never used the credit card Felt that this was somehow related to fraudulent activity that had occurred on a Citi Mastercard account ending in XXXX. 

At that time, we requested that XXXX provide us with Citi Mastercard account statements so that we could review the activity. On XX/XX/XXXX, we received 12 months of back statements from XX/XX/XXXX to XX/XX/XXXX. After a review of the information, we feel that the charges are fraudulent, as we had informed Citibank and the late fees and interest accrued unjustified. 

On XX/XX/XXXX, I received a letter from XXXX XXXX of Citibank 's Executive Response Unit stating that we were correct and that all late fees and interest charges were waived. I contacted Citibank on XX/XX/XXXX and was told that there was an outstanding balance of {$7.00} on the account but the balance was not past due. 

On XX/XX/XXXX, I received an email from XXXX stating the citibank had once more reported this account as past due. I have contacted Citibank once more and received no cooperation in resolving this issue.
Product: Mortgage

I have an old Riverside Bank home equity loan which TD Bank is now the receiver of such and was assigned the loan. I started reaching out to them recently, on XX/XX/1922, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX & XXXX to get a release of XXXX on the old XXXX account and nobody has responded to me or my title company. I am doing a home refinance and this is holding up things. I keep getting transferred to various departments and nobody seems to find anything on my old loan. If they cant locate the records they need to provide me with a release of XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Items/ Accou

nts are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Erroneously produced negative reports to all three credit bureaus causing a XXXX point drop in my score at all three. 

They did so while trying to collect a 2.5 year old, contested balance I 'd heard nothing about for that 2.5 year time. Out of the blue - bang - try to collect and immediately smear my credit reports at all three bureaus. 

I 'm about to apply for a mortgage and this will carry significant negative financial impact me in obtaining a favorable rate - far exceeding even the erroneous amount they were attempting to collect. 

The collection agency reported that they have completed their dispute investigation and that they found that the debt was legitimate - but they have not asked me anything, including for copies of my letters to the vendor, certified, return receipt, stating my position that the vendor had breached the sales contract and was not entitled to any payment. Those letters are succinct, factual, and contemporary to the time of the disputed services - XXXX. 

The {$130.00} XXXX dollar corporation XXXX $ XXXX then - seem to be growing fast with these tactics ) doing the XXXX here is XXXX. Their disgusting collection agent is Convergent Outsourcing Inc .
Product: Bank account or service

USAA bank WILL restrict its members access to accounts if they owe money to them for ANYTHING- NSF fees, overdrawn accounts, credit cards and loans. They will completely empty your account and leave you with NO money even if ALL of your money comes soely from XXXX ( VA and social security ) BE VERY CAREFUL when dealing with them.
Product: Debt collection

TODAYS DATE : XX/XX/XXXXXXXXXXXX  GENESIS CRDT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GENESIS CRDT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express notified me with a form letter on XX/XX/XXXX that I had violated the terms of an offer and they were going to be charging my account {$150.00}. The form email stated several reasons possibly why. When I called to inquire, I was told by the first rep that since I had downgraded my Blue Cash Preferred card at the time of my card member anniversary in XXXX ; American Express was revoking the {$150.00} promotional offer they had emailed to me around XXXX XXXX XXXX and charging my account. I was unaware of this requirement. When I called to downgrade in XXXX and said that I did not want to pay the {$95.00} annual fee, the American Express rep did not say anything about the possibility of me actually being charged {$150.00}, instead of the {$95.00} annual fee. If I had known that, I would have paid the {$95.00}. I think it is unfair when a company buries important terms and conditions in small print or on page 4 or 5 of a document and then turn around and declare that you have violated some term that you as a normal ( non-professional finance ) consumer did not know or understand. I have been busy juggling covid, elderly parents, inflation, and my health for the past year, I think American Express needs to make their terms and conditions clear if they are going to enforce them in an automated manner as they have done in my case. I did ask to speak to a supervisor XXXX who said American Express would be reviewing my case over the next 7-10 business days, but she was unable to resolve the dispute herself. I have never encountered a situation like this before, and had no knowledge of this condition. At this point, there is no way I can even retrieve an email from my account from over a year ago to see where I missed the requirement. Please help me resolve this dispute, as I am a struggling consumer up against a very large company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Product: Checking or savings account

I was a victim of fraud. I sent a payment to a fraudulant landlord. I provided his banking info to Chase and have a copy of a lease we both signed. Bank refuses to cover the amount stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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: Mortgage

We are trying to get short sale approval for a XXXX lien. The loan was with XXXX, then service released to XXXX XXXX XXXX XXXX XXXX XXXX, then on XXXX/XXXX/15 service released again, this time to Lustig, Glaser & Wilson. I 've put in XXXX calls to Lustig 's office, and have sent an Authorization to Release to Lustig 's office XXXX times. They say they have XXXX of new files, and so maybe it has n't loaded into their system yet. They say there 's nothing they can do to assist in finding the loan. We have XXXX lien approval and must get approval from this XXXX lien to close. Please help!
Product: Credit reporting or other personal consumer reports

THE COMPANY DID NOT PROVIDE THE DEMANDED DOCUMENTS. I WAS ALSO SENT AN illegal FORM FROM THE SAID CREDIT AGENCY STATING THEY did not have to provide the verification documents showing that the furnishers did in fact provide and would be obligated to according to the F.C.R.A
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 180 days late payment. 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.