23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

MEDICAL DATA SYSTEMS I Original creditor : XXXX XXXX XXXX HOSPITAL {$6400.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. DEPT OF ED/XXXX Reason for Dispute. This account doesn't belong to XXXX XXXX I never opening up a loan with up with DEPT OF ED/XXXX  in XXXX REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed you 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results, I am asking that your verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher. 

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

I am a victim of identity theft. I contacted Equifax because there were items ( hard inquiries ) on my credit file which were not mine. They were the result of another person trying to obtain credit in my name using my information. These hard inquiries are bringing down my credit score and I wanted them investigated because I know they were not mine. I asked Equifax to investigate and send me copies of authorization with my signature because I wanted proof that I authorized specific companies to pull my credit report. I submitted my dispute on XX/XX/2022, and they closed out the dispute in less than 24 hours stating they would not remove the items that were fraud. I feel they didn't even investigate because that was XXXX XXXX and most businesses are closed on XXXX XXXX. How could they have time to investigate and obtain copies of my signature in that short time frame. I sent them many documents including a police report that shows there were three instances for sure where someone tried to obtain loans and credit cards in my name. They refuse to remove these items from my credit file.
Product: Credit card or prepaid card

I received an email from the Tennessee Department Of Labor And Workforce Development today. The email stated that my payment of $ $ $ $ was issued on XX/XX/2020 .The payment was returned because of no account or Unable to locate. Then it stated that the amount would be reissued to the debit card that was previously issued to me. ( I have never signed up for or received a Card! ) it then stated that if I no longer have the card or it has expired to contact Way2Go Card Debit MasterCard @ XXXX for a replacement. So I called the number and waited 1 1/2 hours to talk to a Live Person. The lady took my SS # and D.O.B and said that nothing came up for me! She said that she couldn't find anything about me. I tried to give her other information and she said that they only go by SS # '' s and or D.O.B. She said that because nothing showed up for me there was nothing she could do for me. I told her that it said that my money was going to be on a card that I don't even have. I'm relying on this money to live right now. I have been out of work for almost a month and no money! She didn't offer to issue me a card or transfer me to someone else. I'm really frustrated!! I want and need this money. Please Help Me Thanks,
Product: Checking or savings account

I reactivated my account last week with BankMobile using my current address. When they sent me my debit card they sent it to my old address instead of my current address. When I found this out the only choice I had was to report the card as lost and get a new one sent out which had a {$10.00} fee. I told them it was their systems fault and I shouldn't have to pay the fee and they told me to use the email customer service. I did this and they refused to refund the fee even though the card being sent to my old address was their fault. I told them I was going to report them but it did no good.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX  and list of Inquiries XXXX5 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 reporting or other personal consumer reports

Experian sent an email on XX/XX/year> stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX. I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX XXXX XXXX These dispute letters are in fact being sent by XXXX XXXX XXXX. I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. I am requesting you proceed to investigate these accounts immediately as required by law. Please accept this letter as my formal written request for the following items on my credit report to be investigated.
Product: Credit card

The credit card is Fidelity Rewards Visa Signature Card services run by Elan Financial Services. 
I had availed a 21-month 0 % financing and transferred {$11000.00} and {$8000.00} from chase to this bank. 
As far as I know I was not made clearly aware of a ( 3 % ) promo transaction fee that amounted to $ {$590.00} for both transactions. 
On inquiry, I was told that it was part of a disclosure. So, I asked them to send me a copy of the disclosure. They refused stating that it is against the company policy. 
I feel this is a deceptive practice with a view to collect substantial fee upfront. 
So, I feel I should be credited the entire promo transaction fee and the company be warned to stay away from such practices. 
The size and display of the promo charges should be as bold as the 21-month 0 % promotion so that the consumer knows clearly what he is getting into.
Product: Debt collection

I received a letter on XX/XX/XXXX form XXXX XXXX XXXX XXXX they are collecting a debt on behalf Citibank NA. The letter is in Spanish but is a settlement offer to resolve a my debt with Citibank. The offer is good until XX/XX/2020. 
I contacted all my family members to get all the money together and pay the offer. Today XX/XX/XXXX I called to this collection agency to take the offer -remember the offer is good until XX/XX/2020- but I was informed that the account was recalled from Citibank. 
This is a unfair communication tactic from the Bank and form the collector since they made an offer and later decline it. For me sounds like Citibank is just playing and do not understand cases like mine where customers are making the best to resolve debt problems. 
I called Citibank to try to get the same offer and pay it, but I was informed that they could not locate my account since the account was recalled and I will receive a call from a Law Office in the following days.
Product: Mortgage

After analyzing my payments with my accountant, we both noticed unusual Principal/Interest/Escrow payment applications. My mortgage is a Conventional Loan with a 4.25 % interest rate. My balance {$310000.00} and only {$370.00} ( approximately ) is going to principal, and {$1000.00} is going to interest. When I called to ask about this payment application, the SPS representative claimed that my loan modification with a former lender in XXXX changed the amortization schedule and they were applying funds according to this new schedule. Furthermore, SPS informed me that I somewhere, somehow was - {$7000.00} in my escrow account with negligible increases in Homeowners Insurance and Taxes. 

They increased my mortgage payment from {$2100.00} to {$2700.00}. They stated that they " no longer '' spread out escrow shortages over 24 months, and shortened this repayment period to 12 months thus my significant increase in my mortgage. Strangely, after living in my home for 26 years, I have never paid more for my mortgage, yet I have never seen less go towards my principal. And most importantly in the year XXXX I paid a total of {$32000.00} ( that is {$2700.00} a month! ) to my mortgage company and less than {$5000.00} went to my principal ... over {$10000.00} went to my Escrow, and they are still claiming a shortage. My taxes and interest are XXXX XXXX. This is a signficant change in my mortgage payment and the increases are unreasonable. Most importantly the way the are applying my payments is deceptive and a breach of contract.
Product: Checking or savings account

I have an account with PNC. I am trying to link my XXXX account and PNC has made me unable to do so.
Product: Money transfers

On EBAY, I had to take down all my items. I 'm locked out of Paypal for the forseeable future. 
It 's all got to do with the XXXX. I sent it as they requested, choosing to do it by mail, certified, instead of over the internet. The tracking shows they got it on XXXX, last Monday, and it was signed by someone named " XXXX XXXX. '' I verified this by talking to a postal employee of the station - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, which delivers to the Paypal address I mailed to. I verified the address - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, over the phone with a Paypal customer rep, and online as well. I tried talking to a couple of so-called " supervisors, '' which was a joke. They claim they have n't got it, despite the signer 's name, on record. They are claiming that if I do the XXXX the way I was trying to avoid, then all will be fine. I do n't trust the internet or the phone with personal info. I know that you guys ca n't necessarily help with getting me back on Paypal, but I would think that it would be important to know, if they ca n't hang on to a simple piece of certified mail, and lose someone 's personal info. At this point, I have heard verbally by XXXX different people via phone, that they do n't have my XXXX, and I have XXXX emails stating they do n't have it as well. These XXXX emails could easily be generic emails, because it 's really obvious they have no real interest in communicating with anyone, just getting rid of them. So this is my complaint - they appear to have mishandled my personal info, and I want to know just where it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the Past 11 years I have had several issues with Transunion related to adding incorrect information to my credit report. 

1st incident : The first time I discovered this was on XX/XX/XXXX when I was rejected for a creditcard for having delinquent debt - but I had never taken out a loan. I pulled my credit report and Transunion but no other credit rating service showed debt that was not mine ( The case ID provided by Transunion was XXXX ). To prove this I contacted a hospital and a lending company and had them also submit disputes that the debt claimed was not my debt. The debt belonged to a person who was not me ( I know his name if you want to follow up ). He only shares a first name with me, we have never lived in the same city. This investigation was completed XX/XX/XXXX and Transunion determined that these debts were not mine and they were removed from my credit report after 6 months. 

2nd incident : XX/XX/XXXX The same thing happened, the same persons debts were applied to my account, but this time I was using a credit monitoring service because of my previous issues. The file number for this complaint was XXXX and this was resolved relatively quickly, the case was completed XX/XX/XXXX. I forget how long it took for the derogatory reports to be removed from my credit file, but it was shorter than 6 months. 

3rd incident : XX/XX/XXXX The same thing happened, the same person 's debt was assigned to my account and I was notified through XXXX XXXX. I disputed this with Transunion ( complaint XXXX ) and my case was completed XX/XX/XXXX. Transunion agreed with my dispute. Again, I forget how long it took for the derogatory reports to be removed from my credit file, but it was shorter than 6 months. 

4th incident : XX/XX/XXXX the same thing happened AGAIN, the same person 's derogatory accounts were placed on my credit report. This time I called Transunion to dispute this ( Complaint XXXX ). This time I also got a full copy of their credit report. I saw that although I call and self identify with my name, DOB, and SSN, the DOB and SSN on my credit report were incorrect. I let Transunion know this, they claimed that they saw the issue and confirmed it was the problem and would send me a new, updated credit report in the mail. Today, XX/XX/XXXX I received the results of my dispute in the mail and Transunion denied my claim saying that the derogatory account is valid ( despite it not being mine as I have never taken out a loan ) and the SSN, DOB, several addresses, and phone numbers remain incorrect on my credit report. 

Transunion is the ONLY credit reporting agency that has ever made these mistakes and assigned this person delinquent debt to my accounts. Its unacceptable that they have continually harmed my ability to obtain credit and overall financial standing for errors in their system.
Product: Credit reporting or other personal consumer reports

I have disputed the fraudulent credit card accounts being reported on my credit reports to no avail. This is very frustrating. Nobody is doing an actual investigation into the claims, yet the bureaus keep telling me the accounts have been " verified ''. Verified by whom??? They are not my accounts and can not possibly be " verified ''. The following accounts are not my accounts and need to be permanently deleted from my credit reports! 
XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Credit usage 95 % Balance {$6600.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Closed. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$820.00} Highest balance {$7400.00} Monthly payment {$67.00} Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Completed investigation of FCRA dispute - consumer disagrees Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX JPMCB CARD XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$2600.00} Balance updated XX/XX/XXXX Credit limit {$2000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 PAYMENT HISTORY LEGEND Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2600.00} Highest balance {$2600.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency is inaccurate. The account balance is inaccurate. There is no notice of dispute which is a violation. XXXX and debt factoring company, XXXX XXXX XXXX are reporting the same account on my credit report. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. The account has been deleted from my spouse 's Experian account. I have attached documents for this account.
Product: Mortgage

Hello, Ive been trying to set up biweekly payments with Newrez LLC XXXX # XXXX. First I was told to mail in the document which I did in XXXX they clam they never received it and keep saying that they are having issues getting their mail. Then I submitted it online and they say they have not received it. I am worried because all of my loan informations was in the mailed in document including a voided check. Ive had to pay for increased security measures on my accounts and bank. 

Every customer service person I deal with gives me a different answer and refuse to help.
Product: Debt collection

I disabled autopay on Citi Bank app. Citi Bank has continued to charge my bank account. I called them, they said I was authorizing charges online, I clarified situation and asked for their support in ensuring this no longer happens. They said that they cleared everything on their end. 
I just received a letter stating that I authorized {$280.00} and that they will charge this account to my bank account tomorrow unless I called before XXXX today. I just opened the letter. I feel there is no way to stop Citi Bank from continuing to doing this every month unless a higher authority intervenes. This is illegal. I am currently facing hardship due to health issues and I am in the process ( unfortunately ) of filing for bankruptcy. Please help me.
Product: Credit card or prepaid card

In XX/XX/2020, my husband reserved rooms for a reunion in Washington state to be held in XXXX. The total amount was {$420.00}. When Covid hit in XX/XX/2020, the reunion was cancelled. He immediately contacted the vendor, who had already charged our card. We could tell from the way he talked that he probably would not refund the money and we were right. After several phone calls and emails we contacted the credit card company. We then sent in all the information they asked for. On XX/XX/2020, we received a letter from the credit card company stating that credits had been placed on our account including any interest charges. However, the charges were not removed from out bill and there is interest charged every month. We have not paid any of this. I have written two letters to the billing department and made several phone calls. Last week we were on the phone with them for over 2 hours. Nothing was solved. We are completely fed up. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have over 40 Hard Inquiries on my credit report and I have not given consent for my credit to be ran that many times within a 2 month span of time. Some companies ran the credit information double and triple times.
Product: Credit reporting or other personal consumer reports

unauthorized inquires on my report. this happened on XX/XX/year> from XXXX