23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i sent {$100.00} from my XXXX XXXX wallet to my coinbase bitcoin cash wallet. The money was deducted from my XXXX wallet, it never showed up in my coinbase  wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses I don't recognize. Please remove them.
Product: Credit reporting or other personal consumer reports

Midland Credit Management continues to report an alleged debt on my report after I requested for debt validation. Under FDCPA, you can not report a debt without providing me with proper validation which includes documentation to support your claim. This is causing me daily stress and frustration and not allowing me to get approved for any credit.
Product: Mortgage

I built a home in XX/XX/XXXX and obtained a mortgage with XXXX XXXX. When they were purchased by XXXX XXXX XXXX, my mortgage was transferred to XXXX. I started to experience financial difficulties and could not make my mortgage payments. I spoke to a lawyer and he advised me to file a Chapter XXXX Bankruptcy. I filed in XX/XX/XXXX for the Chapter XXXX. XXXX sold my mortgage loan to XXXX XXXX in XX/XX/XXXX, who then sold it to Green Tree Financial ( now known as Ditech ) in XXXX. The first thing Green Tree did was add a {$35000.00} past interest charge to the loan. I have tried to contact Green Tree and they will not talk to me, saying that the mortgage is in an active bankruptcy. The bankruptcy was closed in XXXX XXXX successfully paying all creditors. I am trying to refinance my mortgage with XXXX XXXX. The first payoff they received in XXXX XXXX was {$190000.00} ( my original mortgage was {$170000.00} ). Due to so many issues with Green Tree the refinance was not closed quickly. When the second payoff was requested in XXXX XXXX it was {$200000.00}. I made {$6400.00} in payments to Green Tree over this time period ( from XX/XX/XXXX to XX/XX/XXXX ), yet the principal balance remained the same. The escrow balance and the past due interest both went up by {$4000.00} dollars. Green Tree has NOT paid any escrow payments over this time period. I need someone to help me sort this problem out as I can not reach anyone at Green Tree!! PLEASE help me!!! I do not want to loose my home due to a finance company that is 'playing games ' with my mortgage. How can the balance go up when I am making regular payments?? Please advise me as to what can be done, I am not willing to pay these people $ XXXX {$40000.00} extra money that both XXXX and XXXX NEVER asked for?? HELP!!!!!!!!!!!!!!!!!!!! 
I did try to do a loan modification with Green Tree, they kept sending my bankruptcy lawyer letters saying I was not providing the information they requested. I have proof of information sent via FAX showing dates they were received by Green Tree. They have since told me that the time line for the loan modification has expired?? I need some help to get this resolved!!!
Product: Credit card or prepaid card

I have a credit card account with Captial One, I am not able to set up online access to pay this account for some reason, therefore I am forced to pay by check. I made a check payment to them and mailed it with my payment slip portion. When the check was received, the converted the check to an ACH withdrawal from my account and received their funds, however the credit was never applied to my credit card account. I opened a dispute with them, they did give me a temporary credit, requested my copies which I sent to them on XXXX separate occasions after they told me multiple times, I did not submit the requested documents. I ended up having to send them certified mail. They then closed my account and when I called, they stated that they could not find where the money went and reversed all the temporary credits, added all the late fees and interest back to my account and now want me to pay all of the fees. They basically have stolen the XXXX payment and are wanting me to pay again for them losing my money. I can prove they received the money as the ACH cleared my account and clearly shows it was converted by Capital One. I want my money credited back and my account credited back for all the late fees and interest. Original case number with Capital One is XXXX Thank you
Product: Credit reporting

I had a mortgage with XXXX ( XXXX XXXX ) that was transferred to another lender XXXX XXXX XXXX ). XXXX is reporting I was XXXX days late on my credit report. I signed an agreement to start trail payments with XXXX XXXX and the payment was higher then what the actually mortgage is. I have never been late with XXXX as agreed. I also asked to have XXXX removed from my credit report because it has been 7 years since I defaulted on the loan.
Product: Debt collection

Good day, I never received any mail, or any notice of this alleged debt. I have continued to request for verification and validation of this debt but to no avail. This company continue to contact me and harass me at work and home with threats of jai l ( Attachment Warrant ) this i s the last communication i had with them. This debt is not mind, i have never had a contract with this company.
Product: Debt collection

This is a duplicate account and I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. This is reporting {$0.00} balance on 1 collection and reporting a balance on another 1 collection account. This is a violation of my right under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY :
Product: Checking or savings account

I opened an account with XXXX XXXX Because my husband committed suicide, and this was where he banked, and I thought it would be easiest to have an account at the same institution in order to get his account closed and the monies over to me since he died intestate. I did all the paperwork required and was able to make a final deposit of his paycheck which was payable to me in XX/XX/2022. Ive then closed the account. now the bank is saying that somehow that deposit was turned into a payment to me in XXXX which is completely fraudulent. I have a copy of the check showing that it was paid in XXXX and the account was closed in XXXX. They re-opened my account in XXXX for some unknown reason and say that they paid that amount to me and are now charging me overdraft fees and want me to repay them the {$1800.00} amount of the check. This is complete fraud or an error on their part. The check is endorsed for deposit only. How does this turn into a payment to me? The check is Marked paid and dated XXXX. Multiple calls to their customer service have gotten me no where. 
And in the meantime, theyre also sending me a letter saying my account has a XXXX balance, and needs to be closed???
Product: Debt collection

On XX/XX/XXXX, XXXX became my primary health insurer, and XXXX XXXX  XXXX became my secondary health insurer. Since that time, these two insurers have paid 100 % of all my medical costs, with no copay required. On or before XXXX, XXXX, I was a patient at the XXXX Hospital in XXXX XXXX, Nv. During that period, I was allegedly attended to by a doctor from the XXXX XXXX XXXX XXXX, I was in a XXXX, and remained in that condition for a period of ten days. 
It was the responsibility of the attending physician and/or XXXX XXXX XXXX XXXX to obtain my insurance information from XXXX Hospital. They had it because the information was in my wallet, and bill the insurance companies. The fact that XXXX XXXX XXXX XXXX contractual agreement with XXXX XXXX which doesnt provide for XXXX to provide them with patients insurance information is a serious flaw in that agreement, which I have no responsibility for. XXXX XXXX XXXX XXXX has a standard billing practice like every other hospital, doctors office and medical clinic in the United States of America. 
Obtain patient medical insurance before treatment is administered. Collect any co-payment due from the patient before treatment Bill the patients Insurers for the balance due.In this case, XXXX XXXX XXXX XXXX negligently failed to comply with its own standardized billing practice.XXXX XXXX XXXX XXXX had several other available viable options to obtain my insurance information. First, they could have called me at the XXXX Hospital and left a voice message if I was still in a coma. Secondly, they could have sent me a letter to me at the XXXX Hospital requesting such. Thirdly, they could have contacted the hospital social worker and informed that person to obtain the information or have me contact them. None of these options were exercised, which led to the none payment of this bill. Subsequently XXXX XXXX XXXX XXXX XXXX XXXX XXXX has referred this matter pertaining to this {$450.00} bill to the ACCTCORP of Southern Nevada for collection, which has resulted in a negative entry on my credit report. I would like to point out that XXXX Hospital and all outside attending physicians were paid in full because they followed standard billing procedures.
Product: Credit reporting or other personal consumer reports

On XXXX I was alerted to 2 hard inquiries on my credit report one from capital one and one from citizens bank I contacted both companies about this and both said they don't have information that they can give me
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 I filed a claim with chase bank due to me being in the hospital during the time of the charges and a caregiver using my card unauthorized for {$640.00}, {$500.00}, {$270.00}, {$230.00} and {$600.00} I provided the bank with documentation and proof of my hospitalization and my claim was denied due to my caregiver knowing my PIN number even though I never have it to her
Product: Credit card or prepaid card

In XXXX,2017 I was online and saw an link to a card that would pay XXXX dollars for spending XXXX dollars in the first 90 day. I clicked on the link, it was wells fargo, I filled out the application and was accepted on line. I spent XXXX dollars in the card in the first month that I had the card. At the end of the first billing cycle in XXXX I checked my account and there was not a cash back reward, I called wells fargo and they told my it would be given to me in XXXX 2017 at the end of the 90 day intro. period. In XXXX when I checked wells fargo had only put XXXX dollars in my rewards account. I called wells fargo and inquired about the cash back rewards deposit. Wells fargo opened a case for me on the XXXX of XXXX and said it should be completed in 14 days. I called back on the about the XXXX of XXXX and it still had not been completed, and was told that it was real close to being completed. I then called back on the XXXX of XXXX and was told that it had not been completed yet. I asked to speak to a supervisor who gave me the same answer, and he told me that my case had been taken to the next level of the investigation. ( not sure what that means ) I told them both that this was not their fault, but was not very good customer service. After the lady gave me her reason for the case not being completed. I told her that I was going to file a complaint with the CFPB. and that what they were doing to customers was a bait and switch, At which time I told her was illegal and that I expected to have the XXXX dollars of the reward monies put into my rewards account by the XXXX of XXXX 2017. I  then reiterated that I was going to report them to the CFPB. Thank you for your time in looking into this matter. last four XXXX XXXX XXXX XXXX XXXX, USA ( XXXX )
Product: Mortgage

On approximately XXXX I contacted Mr. Cooper at XXXX after my loan was transferred by XXXX XXXX XXXX. I requested all info by mail. I was told they already had my bank account info in their system and there was nothing I could do to prevent that. I told the rep that I was uncomfortable with this XXXX rated company and that I did not want my bank account info stored in their system because Mr. Cooper was hacked in XX/XX/2023. 

On approximately XXXX or XXXX, I was contacted by Mr. Cooper. They did not do an automatic withdrawal, and my XXXX payment was still due. I gave my account info and paid the monthly amount of {$2300.00}. No XXXX  fee was assessed. I was told that when I called in future payments it would be a XXXX-time transaction. 

On XXXX, I attempted to speak to customer service about not receiving my statements in the mail. I had to enter several prompts and finally select refinance to speak to a customer service rep. He transferred me to customer service. I spoke with XXXX  service and said that I did not opt out of paper and would like my statements and XXXX  correspondence by XXXX. I was told that I could not speak to a XXXX  service XXXX  to take my payment and had to do it via their prompt each month. I was told that their system retains my bank account info and I could not request a XXXX-time transaction. I asked to speak with a XXXX and was placed on hold. The call was dropped and I attempted to call back but could not do so since there was no option to speak with XXXX  service.
Product: Credit card

Synchrony repeatedly decreases my credit limit on multiple cards, therefore causing my revolving credit limit utilization to increase and dropping my credit score. Then when Synchrony reviews again, my CUR is high because they took away my available credit, therefore decreasing my score again every time they review and take away my available credit that I am keeping open to increase my XXXXredit score. I have 100 % on time payment history, low CUR on each card and only use periodically, I am doing everything right by these cards and they continue to decrease limits, causing my revolving balances to be higher, therefore decreasing my score again... It is a vicious cycle and they ae destroying my credit scorXXXX. I am requesting that all my credit card limits be re-instated.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account names below has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my credit report on XX/XX/year> and XXXX XXXX and noticed some things are incomplete and not accurate. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5 they are supposed to do
this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly
notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

I started receiving several emails about a Chime bank account being opened. I authorized no such thing, nor did I open a account at any time with Chime. When I called the customer service number the lady asked to verify my information but did not seem to care that I was trying to tell her that I never opened any account with them. She said the account was closed and it would be escalated, but she was not specific as to what that meant. I want my personal data information removed from their system. Someone got ahold of my personal data and opened a checking account and Chime was just ridiculous about giving the impression that this happens all the time and telling me no resolution aside from that they will escalate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN DEPT OF EDUCATIONXXXX 90 days late DEPT OF EDUCATIONXXXX 90 days late You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX XXXX and Federal Trade Commission ). 


1. " You are in VIOLATION of FDCPA. You can not charge me more than 20 of the orignal dept owed. Yet this collection agency CHARGED ME more than 30. This is ILLEGAL and a CLEAR VIOLATION '' XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 



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

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I went into the " XXXX XXXX XXXX XXXX XXXX '' located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX and had an agreement for 3 service treatments. I only received one successful treatment. Before I could return to receive the 2 additional treatments, I was shocked to learn that the business had permanently closed without any prior notice. This closure is publicly recorded regarding the XXXX and XXXX XXXX locations with no remedy for consumers who paid or obtain lending credit for services. Cherry is the loan that was supposed to pay for all the 3 services which was ultimately combined and for the interest rate is based. I informed Cherry of the situation that I did not receive the full service. Cherry advised me to keep reaching out for a permanent closed business knowing that I was being charged full prices + interest for all 3 sessions. I told them this was fraud and theft as they are charging me for goods and services I did not receive. I was robbed out of funds and access to services I was promised. I paid a little over {$1800.00} of my {$6200.00} billed. I strongly feel my debt should be an honest reflection of what I actually owe. This is highway robbery. I called and message the creditor multiple times and was basically told tough luck
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions