23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XX/XX/XXXX, I was contacted by a debt collector from XXXX XXXX his name was XXXX XXXX. Said I had debt for a medical bill for my daughter from a XXXX visit, in the amount of {$610.00} He asked for my card # i said I wouldn't give any payment over the phone, I'll be happy to send via XXXX XXXX through my Bank. He gave me account ending XXXX and send to XXXX, XXXX XXXX XXXX, XXXX, MO XXXX. I paid it off by XX/XX/XXXX. On XX/XX/XXXX I received a bill for the same hospital visit in the amount of {$760.00}. I feel like I'm being scammed. The bill also says XXXX XXXX XXXX XXXX as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ii just saw that someone tryed to open a card with capitalone XXXX XXXX card that wasnt me for sure, I already have a capital one platimum please remove this hard inquiry
Product: Credit reporting or other personal consumer reports

Cavalry Portfolio Services emailed me claiming I owe a debt. I responded by requesting validation and verification of the debt. They replied, stating I needed to create an account with them to dispute the debt. Instead, I mailed them a formal letter requesting validation and verification. Despite this, as of XX/XX/XXXX, they reported the debt to XXXX, XXXX, and XXXX without providing the requested information. This is a violation of the law.
Product: Mortgage

XXXX XXXX Ditech Loan # XXXX On XXXX XXXX, I cancelled my automatic direct debit of {$700.00} with Ditech, as I finally had a refinance with another company that was about to fund. My direct debit was scheduled for the XXXX. On the XXXX, the same day I funded, Ditech still pulled the money out of my account. I called customer service and they said I had to notify them 8 days before the XXXX in order to avoid the withdrawal? My refinance wasnt even approved 8 days prior to the XXXX. I called again on XXXX XXXX and spoke to a supervisor who said my money was on the way. I then received an escrow shortage check in the amount of {$30.00}. How is this possible if I dont even escrow with Ditech? It is now XXXX XXXX, and I still dont have my money. My new mortgage payment was due on the XXXX. Im not made of money. I spoke to customer service yesterday and they now say I have to wait 30 days. So to get this straight. Their process is to refund monies that are no longer theirs, 30 days after theyve taken the money? Why? Why does it take a mortgage lender 30 days to refund money that is no longer theirs? Most financial entities are 7-10 days-pretty standard. Ditechs abusive policies jeopardize the livelihood of those that are trying to do the right things for themselves. Now, Im tarnished with my new lender. I want this complaint with Ditech addressed and a detailed response to my situation, vs. a canned approach from them.
Product: Debt collection

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 U.S.C 1681. 
Mariner Finance , LLC has XXXX different accounts reporting to the credit bureau with all different information that's hurting my credit report. 
account numbers- XXXX XXXX XXXX, XXXX XXXX XXXX The issues that I am having is that Mariner Finance is listed XXXX XXXX with different information. The amounts posted are not the same XXXX account states a balance of {$6800.00} last activity is different and payment history is wrong. The second account states a {$0.00} balance with Highest balance {$9600.00} stated that the account was closed due to Refinance. The last account states {$0.00} balance with Highest {$9800.00} which states the account was closed because of refinance. Mariner Finance only reported the XXXX accounts to XXXX and XXXX. I have requested that I the consumer be sent verification of this debt and haven't received anything. As a consumer my rights have been violated by this company buy putting fails information on my credit report. 

15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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

Experian has exceeded the time allowed by law to correct or remove a disputed item from the credit report. According to FCRA 611 ( a ) ( 1 ) ( A ).
Product: Checking or savings account

I received a XXXX  loan in 2021 for XXXX and it was deposited into my personal business account at Capital One. I withdrew the funds via cashiers check & deposited in my business account with XXXX. Before I was able to withdraw, I had to provide the bank with proof of business Registered and active in the I did so and funds was released. I continued doing business through capital one & was receiving payments via XXXX  from my clients. In XXXX of 2021 capital decided to close my account and no longer do business with me because they suspected my loan was fraudulent. I submitted documentation to prove my business was legitimate, capital disregarded my emails and blocked me from accesss their services. They return my funds from my child 's minor account but still have XXXX frozen from my checking account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, I hope that you and yours are all doing well. I sent Binance approximately $ XXXX of XXXX and XXXX for the purchase of XXXX coins through the binance.com portal. I only see {$1800.00} in XXXX, XXXX, and ETH coins in my Binance wallet. The amount should be many times that amount. Their customer service support is not adequately responding. 

Would you kindly call me at XXXX. Thank you. 

Warm Regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Request for Investigation into Unwarranted Check Holds I am writing to formally address an ongoing issue my business, XXXX XXXX XXXX, has experienced with Chase Business Banking. On XX/XX/year>, we deposited a check in the amount of {$23000.00} into our Chase Business account. Unfortunately, the check was placed on a " hard '' hold and was not released until twelve days later. On XX/XX/year>, I deposited a second check from the same client and institution. I was initially informed by the teller that the funds would be available by XX/XX/XXXX. However, the following day, the check was again placed on a " hard '' hold until XX/XX/year>, with the possibility of early release under certain exemptions. 

On XX/XX/XXXX, I contacted Chase to inquire further about the hold. I was informed that while the check funds had been verified, the second requirement was to contact the authorizing party to confirm the check had been issued. I was also told that the business details on file were incorrect, which prevented the release of the funds. 

I immediately contacted our client to obtain the necessary verification and subsequently reached out to Chase with updated information. Despite my efforts, a second representative was unable to assist me, stating that their system did not show any verification. On my third attempt, I was informed that no funds had been verified, and there was no possibility for an early release. Additionally, I was informed by the representative that this extended hold situation occurs 60 % of the time for business checks. 

Given the repeated delays and the lack of transparency regarding the reason for these holds, I am concerned that this may be an intentional practice designed to allow Chase to accrue interest on funds that rightfully belong to small businesses. Such actions appear to be both unethical and irresponsible, particularly when they impact the financial operations of small businesses like ours. 

I kindly request that an investigation be conducted into Chase 's business practices regarding the handling of check deposits and holds. It is essential that small businesses can rely on timely access to their funds without unnecessary delays or complications. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Very Respectfully, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

i have found myself in a virtual XXXX situation subjected to intrusive violating cyberXXXX with sabotaged means of reliable communication in the summer of XXXX due to the violation of privacy which is essential in my professional field as a XXXX XXXX XXXX, I had to resign from my employment in XX/XX/XXXX, while I could address all the indescribable concerns I was faced with post my internet network being hacked. It has been over four years and I am yet to be responded to, although the aggressive cover attack has escalated severely to my life being defrauded beyond any reason yet still subjected to violent covert cyberXXXX  and theft of personal belongings by the unknown to me out of sight XXXX. 
in XXXX XXXX I have placed an identity alert on my identity and filed for an identity theft in XX/XX/XXXX, however have not heard back from them still, that is how I came to understand the issue with my contacting means being unreliable due to sabotaging by the invisible threat. I presume the government has conducted some form of action to my revolving financial accounts to prevent the furthering of an identity theft and yet another American defrauded of life, I did not have a single late payment since XXXX for close to 20 years until one day in XXXX I found myself in an unimaginable virtual XXXX situation having my constitutional and basic human rights violated by having my privacy violated. 
I have moved from XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX in XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I do not have a landline anymore.
Product: Money transfer, virtual currency, or money service

My venmo account was suddenly suspended for no reason. I tried replying to the email which was what they said to do and I tried calling twice, on both calls I was told they would escalate the process but as of today, I still haven't gotten any response. 
They wanted more proof of my identity, all of a sudden, which i won't do, because I'm a XXXX XXXX  and I know I'm the target of scammers. 
My daughter did a little research and she found that several people complained of the same issue, right after they had deposited a payment. XXXX was {$3.00} for a gallon of milk for her, which is mostly what we used it for. 
I'm going to call again now to see if they will delete my account without a hassle. 
The whole situation is so unnecessary. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I found out by the FBI my SSN was used in filing online taxes, I don't file taxes since i am on SSI disability. So I had to file police report fingerprinting and photo taking to verify who I am. I send all three credit bureaus the police report and all the paperwork on the identity theft so they could put it on my credit to protect me from any more problems. Then Equifax because breech and my identity was stolen again and now I have so many hard inquiries on my credit report it is killing my credit scores. I am getting phone calls and text messages and emails from loan companies and car loans, and I have not sign up with them at all. I have told all of them to leave me alone. It was not me filling out the forms on their websites, I have explain to them my identity was stolen but they are not listening to me. Here are some of the companies that are on my credit that I want removed and stop looking at my credit. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these companies did not have my permission to run my credit or did I go on their website to file there forms out. I am tried of people ruining my credit.
Product: Credit reporting or other personal consumer reports

All 3 credit reporting agencies have reported a fraudulent XXXX  on my credit reports, first of call no Court in the United States furnishes information to a credit reporting agency such as Experian, XXXX or XXXX, so how did they obtain this false information? 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose.

15 USC 1681b In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

18 USC 1028A Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose. 

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report. 

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to. 

Bankruptcy XXXX XXXX XXXX Filed on XX/XX/year> Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2022, I sent a 2nd letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old address still appears on my report. USPS tracking number XXXX. Experian stated they properly investigated my dispute, but how is that possible when all this old address still appears on my credit report. This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit card or prepaid card

I made a mis-payment of XXXX on XX/XX/2018 from my checking account electronically to Capital 1 credit card that was closed inXX/XX/XXXX. I have made numerous attempts as well as XXXX XXXX XXXX to rectify this problem since XX/XX/XXXX without resolve. I have spoken with 6 different supervisors at Capital 1 at XXXX. I have supervisors employee numbers if needed. The Case # is XXXX Credit card # is XXXX. I am very frustrated and do not know what else to do to recover my {$200.00} mis-payment. Any help you can give me would be greatly appreciate. I have documentation that I am unable to submit with this form. I have a letter from Capital One and my bank account payment to Capital One on XX/XX/XXXX. If this documentation is needed for you to move forward on this complaint, I will gladly mail it to you or try and email it with the attachments.
Product: Debt collection

The medical collection is currently by XXXX XXXX XXXX. The original provider was XXXX XXXX XXXX. I had no knowledge of this collection until I noticed/reviewed my credit report in XXXX, XXXX. There was no communication or direct discussion with the collector. I have sent a certified letter on XX/XX/XXXX requesting for information of the debt and a request to remove this c

ollection since I have not discussed with them regarding this debt. At this point, I have not received a response from the collector. There is no proof of Debt Assignment. The amount of {$1400.00} is very questionable also. This was a XXXX  XXXX through XXXX & a supplemental health coverage through the State of WV. With 2 health coverages, the amount to me is unfairly high. Please help me with this situation. I am XXXX  and XXXX and would like to have this resolved. Thank you.
Product: Checking or savings account

I opened an account on or around XX/XX/XXXX. I setup online banking but since then have had nothing but issues accessing my account ( They block access ). It is continually blocked and I have to spend hours on the phone with customer support/ fraud specialists verifying I am who I say I am. On my last phone call XXXX setup a series of special questions ( per the customer service representative ) to avoid having to spend hours on the phone while the fraud specialist googles my name for info. Great, I thought. No such luck. While attempting to transfer money from my Ally account to another bank ( Both accounts registered to me ) my account was locked yet again. I called customer service and answered all the security questions ( the ones they assured me would verify my identity ) but no they transfer me to a fraud specialist. 

On this phone call the woman advised that she need to verify my identity with documents.

1 ). a photo front and back of drivers license.

2 ). a photo front and back of social security card 3 ). current bill i.e. credit card, utility bill 4 ). a photo of me HOLDING drivers license. 

That seemed like a lot to go through since I had already verified my identity. But, I gathered up the documents, took photos and sent them as requested. One of the photos is myself holding the drivers license. 

I called back in. Once again I was required to verify myself through with my security questions I had setup. Once again I was transferred to a fraud specialist. I explained the issue. Once again I spent another 45 mins while the fraud specialist l researched my name and came up with specific questions only I would know. Every few mins they would put me on hold, look up something and return with another question or two. Obviously, I answered all the questions correctly. Just as I believed XXXX XXXX the fraud specialist ) was about to release the block he put me on hold one last time. He came back on line " XXXX, I have one last question. When was you security card issued? '' Really? I am XXXX XXXX XXXX. I have no idea when my social security was issued. My wife ( ex wife ) and I applied for my two sons when they were 5 or 6. My parents passed away in XXXX and XXXX. Not as if I could have asked them. If I may ask to whom ever is reading this? Do YOU know when your social security card was issued? 

I understand fraud protection and the need for security but this goes beyond/ This is harassment. To make a customer call in every time the bank gets an alert and then to have to sit on the phone answering questions is ridiculous. 

As of today my account is still locked. I am a XXXX veteran on social security and the bank has blocked my only source of income. 

I have been visiting my son in XXXX California and Ally Bank did not believe I was in XXXX XXXX / XXXX XXXX California. Ive attached a photo of ME holding a newspaper. Please zoom in and see the date XX/XX/XXXX. That was yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 inaccurate.
Product: Credit card or prepaid card

I HAVE SENT CAPITL ONE SEVERAL STTEMENTS PROVING MY ADDRESS, IDENTITY AND PAY STUBS THEY STILL WONT UNRESTRICT THE ACCTS INTERFERING WITH MY ABILITY TO BUILD MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX