23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a credit alert from XXXX. It was advising of a drop in my credit score that was the result of a collections account being added to my credit report. 

I accessed my report and found the entry read Congress Collections, who was collecting a balance of {$770.00} on behalf of XXXX XXXX XXXX XXXX. I called the phone number provided in the collections entry and was advised that the service date involved was XX/XX/XXXX. The collection agency claimed to have sent documentation to my residence in XXXX but that was never received. Congress Collection provided their email for me to send a debt validation request ; two emails were sent requesting verification on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX XXXX who informed me that they show no previous past-due balance or any notation that a balance was sent to collections. They also provided the address of XXXX XXXX XXXX who is associated with their clinic. XXXX XXXX XXXX shows no current or past-due balance either. 

I was being seen in the aforementioned medical facilities as the result of an injury sustained in a car crash. The car crash resulted in litigation ( I was the plantiff ) and the litigation ended in a settlement, with the other involved party handling my medical bills. This visit would have been part of that settlement and presumably any balance due was handled by the other party 's insurance company. I contacted the law firm that handled my case to have them investigate on their end as well. 

I disputed this entry on XXXX and XXXX via their websites. Both bureaus closed the dispute stating the collection agency " certified '' that I owed the debt but the collection agency has yet to furnish anything to me showing the same. 

Based on the information received from the alleged creditor and my knowledge that the medical visit during that time frame was covered under my settlement, I do not believe that this debt is owed or is mine to pay.
Product: Credit card or prepaid card

Bank of America Account # XXXX XXXX XXXX XXXX for {$37000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=1XXXX, SSN=XXXXXXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) promptly delete that item of information from the file of the consumer, or modify 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.

Please remove the following items from my credit report, immediately : TRANSUION : XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$630.00} XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$220.00} XXXX : XXXX XXXX Account XXXX : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX  XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00} XXXX : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX  XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00}
Product: Mortgage

I attached a statement that covers the problem. It is a long and involved issue that spans over 12 years. Currently, as in all along, the bank is again acting illegally in shortening my redemption period and refusing to fix the mistake. Eights months from XX/XX/XXXX, is XX/XX/XXXX, and the bank has shortened that to XX/XX/XXXX. Which is less than the full 8 months required. See attached form received from PNC 's attorney 's. Furthermore, they did not send a certified copy to the home address they have on file for me. I received the copy at the WA home, but they are required to also send a copy to my current address on file. WA State XXXX XXXX explains that the extra 6 months of redemption period will be granted for not properly executing the redemption period notice. 

Further information and all proof of my statements are in the court filings over the years. These filings are all published on XXXX. If you XXXX search my name, you will be able to see all the filings.
Product: Money transfer, virtual currency, or money service

PayPal closed my account on the XXXX of XX/XX/XXXX for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for 6 months, yesterday on the XXXX of XX/XX/XXXX made it 180 days but I'm yet to receive the mail on how to get my money out but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal because I had to wait 6 months but all to no avail. My email linked to my PayPal is " XXXX '' My paypal balance is {$3000.00} Date of limitation : XXXX of XX/XX/XXXX Date of release : XXXX of XX/XX/XXXX Unfortunately no response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}
Product: Checking or savings account

A company check of mine was stolen from the mail. That check, which was originally written for {$900.00}, was washed except for my signature, and rewritten for {$16000.00}, and deposited electronically at XXXX XXXX XXXX XXXX in XXXX, XXXX. 

My bank is Huntington Bank, and my company is in XXXX, XXXX. When I discovered this fraud on XX/XX/year>, I immediately notified my bank by telephone as it was a XXXX. They placed a hold on my account and advised me to go to my branch to report the incident on XXXX  XX/XX/year>. 

On XX/XX/year> I made the official bank report at my branch and was advised that they would begin an investigation, and since it was so obviously a fraud, I would most likely be made whole. 
XXXX week later I received a letter stating that Huntington Bank would not reimburse me due to the fact that I supposedly declined enrollment in some or all components of Huntington Business Security. That is an absolute lie, as I was never offered any such protection, and in fact only learned of those options after I reported the fraud. I absolutely did not decline anything that may have protected my accounts.

I proceeded to my local bank branch and complained to my Branch manger who agreed to escalate my complaint in hopes of getting my funds reimbursed. That request was made as I sat in his office. It then proceeded to the local Police Department and filed a Police Report.

I still had not heard anything from anyone after several weeks and I reached out to the Relationship Manager for my area. He acknowledged that there was nothing indicating I had been offered protection, and certainly nothing showing I had declined any such protection. He advised me that he would speak to his superior and attempt to get a resolution.

1 week later, I was called by the Relationship Manager who indicated that the decision was upheld to deny reimbursing me for my lost funds. He once again acknowledged that there was nothing showing that I had refused protections on my account.

I was able to make contact with the XXXX XXXX in XXXX, and they advised me that no one from Huntington Bank had ever contacted them on my behalf.
Product: Credit card or prepaid card

American Express Card repeatedly charging multiple late fee and interest, even payment has been made When called in to have them correct this American Express Card provide no help at all
Product: Credit reporting or other personal consumer reports

I received an email from XXXX of my banking apps that my password was compromised in a data breach. I need these inquiries removed from XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, Transunion, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.
Product: Credit card or prepaid card

I have tendered 7 negotiable instruments to U.S. Bancorp c/o ELAN FINANCIAL SERVICES for a MASTERCARD and XXXX XXXX charge card on the following dates : XX/XX/22 two money orders ; {$600.00} & {$6000.00}, XX/XX/22 2 endorsed A4V statements ( delivered XX/XX/22 XXXX ), XX/XX/22 XXXX endorsed XXXX and conditional acceptance ( sent to XXXX XXXX c/o ELAN XXXX, XX/XX/22 XXXX accepted and mailed to ELAN for {$16000.00}, XX/XX/22 XXXX endorsed A4V. 
ELAN FINANCIAL SERVICES has admitted receipt of tender on two occasions but has not applied the amount to the balance, and the instruments have not been returned. 
A notice of fault has been mailed to the CEO and CFO and a response has followed disregarding the tender and full satisfaction of the account. 
In addition to their DEFAULT, ELAN has incorrectly and fraudulently reported a late payment to the credit bureaus in violation of 15 U.S. Code 1681g. I have also requested a w9 and 1099-oid, full accounting and my request has been REFUSED on 3 occasions. 
U.S. Bancorp c/o ELAN FINANCIAL SERVICES is in violation of UCC 3-104 , 3-306, 3-311, 3-603, and 15 U.S. Code 1666, 15 U.S. Code 1681sec. - 2 ( 7 ) ( A ) ( E ). 
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX and XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 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 ( they may only report crimes, not debts ) 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX Michigan # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

Date of denied transaction : XX/XX/2024. 
Amount of preauthorized debit transaction : {$99000.00}. 
Institution requesting the debit : U.S. Treasury.

Amount of account funds shown as available for use at beginning of day : {$120000.00} including an antecedent deposit of {$100000.00} by U.S. Treasury from a maturing security. 

The bank 's representatives refused to state why the U.S. Treasury  reinvestment request of {$99000.00} was refused. Provided no information about why the funds, that the bank 's own website showed as " available '', suddenly became unavailable when the debit was processed. These arbitrary refusals of transactions coming from the highest fiscal authority of the government should make everyone worry that their social security, pension and welfare benefits that were direct deposited by the Federal government can be frozen ( or put on some unspecified, unlimited hold ) by this bank on their whim and for no stated reason. This is what they claimed their deposit agreement allowed them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

You are showing a balance on a closed account is a violation of the law and the law states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

As of XX/XX/2022 Comenity website has been down there are no ways to access my account, my credit card is being declined for purchases and no one is answering any questions about this at customer service. My payment is due in a few days to pay my minimum balance and I'm afraid I won't be able to make a payment and get charged late fees for this.
Product: Checking or savings account

I had an account with Wells Fargo years ago, approx. XXXX I was charged numerous overdraft fees and had my account closed. I just heard they just reached a settlement for this exact issue and I was never contacted in regards to my account.
Product: Debt collection

To Whom It May Concern, I am contacting you regarding an account that you claim I owe. I respectfully request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and ask that you provide sufficient documentation confirming the accuracy of this debt. I am concerned that there may be errors in the record, and I am requesting evidence to establish : 1. The full details of the original debt, including the name and address of the original creditor, and a copy of the signed contract or other verification that binds me to this debt.

2. A complete breakdown of the amount owed, specifying the original amount, any interest or fees added, and a clear explanation of how the current balance was calculated.

3. Proof of your agencys legal right to collect this debt, either through ownership or a contract with the original creditor.

If you are unable to verify the debt with the requested documentation, I kindly ask that you cease all collection efforts, remove this debt from any credit reporting agencies to which you may have reported it, and inform me in writing of the resolution.

Please treat this letter as a formal dispute of this debt. If I do not receive adequate verification within 30 days, I will assume the debt is unverifiable and expect it to be removed from my credit file. Any continued attempts to collect this debt without proper verification may constitute a violation of my rights under the FDCPA. 

Thank you for your cooperation in resolving this matter. Please direct all responses in writing to the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to apply to credit karma and to get a credit card but it's saying my information is incorrect. The only way I can think this might happen is due to my first state ID having the incorrect birthday. I got them to fix it but it's still saying on credit karma that my information is incorrect.
Product: Credit reporting or other personal consumer reports

I've contacted kickoff several times and no resolution they refuse to remove these 2 accounts that are not mine and never given type of consent for any account to open in my name I did a police report and ftc report to report these fraudulent accounts I'm constantly dispute this account because it not mine I think that identity theft is a serious situation and the fact that i been battling this for months and this so ridiculous. I'm a victim of identity theft and taking the necessary step to report it but what happen when you submit documentation and still no resolution. IM REQUESTING ALL DOCUMENTATION SIGN THAT CONSENT TO ANY KICKOFF ACCOUNNT BEING OPEN IN MY NAME WITH ME GIVING THAT CONSENT I HAVENT RECEIVED THAT YET
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my XXXX XXXX XXXX, posing a significant risk to my financial security and identity integrity. You have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : Date Opened : XX/XX/2022 since then the account has repeatedly been updated as charged every month. This is an update on the payment history. A charge of account shouldnt include an active payment history. this inaccurate information falsely manipulates the statute of limitation. please investigate this account properly after I asked you to do it twice and your neglect has violated my rights, I am demanding a deletion of the following Account : Creditor Name XXXX XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX Account Number : XXXX
Product: Mortgage

My husband and I are homeowners. We took on a mortgage for our home of {$190000.00}. It was originally through Citi Mortgage, but now XXXX XXXX is an " investor '' of the loan. ( I 'm not sure if that means they are the owners of our debt or not ). <P/>Regardless, when we paid off enough of the mortgage to get to 80 % of the loan value ( as stated by the Homeowners Protection Act ), we were under the assumption that we could apply to have the PMI insurance cancelled. We spoke with several customer service representatives from CitiMortgage to go over how this process works, and they were also telling us we needed to get to 80 % of the original value of the loan. <P/>We applied for a home appraisal ( this cost us approximately {$900.00} because we were told " we live in a rural area '' -- even though the appraiser lived 20 minutes from our home ). We went through with the appraisal, we found our house remained at the exact amount we purchased it for. <P/>We spoke with the mortgage company several times trying to find out the exact amount we needed to reach 80 % of the mortgage. We were told an exact dollar amount, and we were about to put the remaining {$5000.00} towards the mortgage to have the PMI removed. When we called the mortgage company to verify the PMI would be dropped, they ONLY then informed us that we did not meet the " investor requirements- which state, we need to pay the mortgage down to 75 % of the original loan. '' I am confused here because under HPA guidelines, it states 80 %. The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the balance of the mortgage reaches 80 percent of the original value of the property based on actual payments. <P/>As I 'm understanding this, we qualify for option 2 - we paid off enough of the mortgage to reach 80 % of the original value. However, we were just told that we do NOT qualify for PMI removal because of " investor guidelines '' which override the HPA guidelines, and we are now required to reach 75 % of the original loan. <P/>We have wasted {$1000.00} in fees to have our house appraised, and a lot of wasted time and energy trying to save up the money thinking we would reach it at 80 %. <P/>Can anyone tell me why investor guidelines override the HPA? I am so frustrated and confused. How does an investor guideline override federal law? And why, when the new investor of our loan ( XXXX XXXX ) took over the loan ..why were we not mailed a letter notifying us of these new guidelines? Why was n't this made clear by all of the people we spoke with over the phone when we called multiple times during the process. <P/>At any point customer service reps. could have made it clear that we needed to reach 75 % of the loan, but this was never explained to us.