23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX  XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit card or prepaid card

My automatic payment on XX/XX/XXXX inexplicably went to a bank account that had been closed for 6 months and that was deleted from my payment profile for this card since XX/XX/XXXX. As a result, the payment did not go through. Due to this, I was charged {$85.00}. I think this was a system malfunction at citibank NA ( in fact all previous payments, automatic or otherwise, had been debited from the correct account since XX/XX/XXXX ). Citibank has been slow to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

CPFB, I am currently an XXXX XXXX member since 2014. Upon reviewing my finance documents both ally and XXXX knew I was in the military and never disclosed to me my rights under the military truth in lending and also the service member civil relief act. 
-I didnt get a buyers guide -The car was in an accident and XXXX  knew -My rights were violated and grounds for the contract to be terminated and the person that has been reviewing my case fired due to being bias and unfair. 
-As a military member I am protected under the MTLA AND SCRA. This loan is covered under the MTLA due to the gap insurance. 
I have submitted multiple complaints and they are getting away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX XXXX XXXX : Acct # XXXX XXXX {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX XXXX {$5400.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXX 2017
Product: Checking or savings account

Hi, I receive a alert from my phone while I was putting both of my baby to sleep while my wife is on dialysis due to chronic XXXX XXXX Stage XXXX End Stage. My phone got an alert that pop up and It shows there is a payment of {$650.00} to XXXX that has been transfer to XXXX ( XXXX ) XXXX which I am not aware of and I am disputing this transaction as it is not authorized by me. I reach out to Chase claims department and they said their is nothing they can do about it and the transaction was authorized which is fraud. Can you please help me get my money back? I am located in California and XXXX area code is in New York?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information through EXPERIAN, XXXX AND XXXX. All XXXX refuse to reply to the dispute letters. It has been XXXX month of sending letters.
Product: Mortgage

Our mortgage was sold by XXXXXXXX XXXX to Mr. Cooper XX/XX/2022. XXXXXXXX XXXX transferred escrow to Mr. Cooper XX/XX/2022 in the amount of {$540.00}. Mr. Cooper claims that XXXX XXXX  never transferred said funds of escrow and has refused to pay home owners insurance despite the records indicating the contrary. XXXX XXXX XXXX ( home owners insurance ) was paid out of pocket in the amount of {$1000.00} on XX/XX/2022 in order to avoid going into default of the contracted loan. XXXX XXXX XXXX has attempted several time to rectify this issue with Mr. Cooper ( having already been paid in full ) only to be denied at each attempt. Mr. Cooper has constantly been unreachable and unwilling to communicate by phone or email in order to rectify this situation. We have reached out multiple times to Mr. Cooper only to be disconnected from the call in every instance of contact. The only successful communication made between Mr. Cooper and the mortgagee was the initial call to set up payments in XX/XX/2022. In summary the payments towards the mortgage are current, homeowners insurance is paid in full and the mortgage company ( Mr. Cooper ) is refusing contact.
Product: Money transfer, virtual currency, or money service

I have accidentally opened the US pay pal account. Thereafter, in order to solve this issue, have provided a more than sufficient proof of fact I am an XXXX citizen, ( therefore accidentally opened the US pay pal account ). here are some of my conversations with pay pal : XXXX XX/XX/19 at XXXX XXXX I had made more than 10 calls,  submitted documents in order to fix this, ( see the record of my talks with pay-pal ). I sent the local bank Account confirmation in order for you to resolve these ones and for all. send me my money to my right XXXX pay-pay account! that is connected to : XXXX XXXX, I never had such a terrible customer experience XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I already told you it doesn't let me add a mobile number to my PayPal account, fix my problem. or ask somebody that can! 

XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I am an XXXX citizen my phone number is XXXX. 
I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore dissidently opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. resolve this issue once and for all and close my us account! 

XXXX XX/XX/19 at XXXX XXXX I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore accidentally opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. or to my debit card that is connected to this account, resolve this issue once and for all! I tried to send it to my debit card, not working. fix this! its taking too much time and effort! 

The full details of my case are in the record of US pay pal customer service ), It's too much to detail here. I had made more than a 10 calls, submitted documents in order to fix this, ( see the record of my talks with pay-pal ). 
I sent the local bank Account confirmation in order for pay pal to resolve it ones and for all.
Product: Mortgage

My loan servicer is Ocwen. Since they bought me from XXXX, my life has been a living XXXX. They shined me on during the XXXX modification process, kept telling me they did n't have my Dodd Frank form that I sent them XXXX times, gave me a trial mod and had me make payments while all the while reporting me late to the credit bureaus, and then finally, illegally foreclosing on me while I was in a XXXX. I went to court, fought them off, and got a load mod. They made me do trial payments again, stalled for 8 or 9 months in getting me my new paperwork, but did reduce my payment to $ XXXX/month. They settled with this in house mod, and now, I am facing foreclosure again, because they lost a payment! There 's no winning with these folks! I have proof they not only got that payment but cashed it. And they have reported me late again to the credit reporting agencies XXXX times since the cashed payment went missing, which ties my hands from being able to refinance with anyone else. They made and end run around federal oversight in the XXXX place by stalling my Hope for Homeowners applications, then again with the in house modification. They made me waive my trial by jury rights, and sign a confidentiality agreement. And now, with this new fictitious lost payment, they already have committed mail fraud XXXX times by reporting me late for a payment they cashed ... ..why is no one going after these guys for XXXX violations? They were already found in collusion with XXXX for force placed homeowners insurance plans that were sold at inflated costs. 
And my {$1000.00} payment? 20 months later and right back up to {$1500.00}, because now I 'm being forced to keep XXXX my escrow costs in the escrow account. 
Do n't make a deal with them. You 'll end up in court again, as I am going to be soon. They have no intention of doing anything except steal from their clients as much as they can. 
Also, the new regulation they are supposed to assign you XXXX person as a point of contact in loss mitigation? Yeah, they do n't do that either. Yet they have XXXX of folks calling me XXXX a week for months to harass me. 
The only thing that their confidentiality clause did was keep me from talking under risk of immediate foreclosure. Guess what, illegally foreclosing on me again is n't likely to persuade me to not talk. I 'm in south carolina. My county has been suing them too, and winning. This company is a collusive criminal enterprise being sued and losing in multiple states. The federal government must step in and put a stop to this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Macys several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information.
Product: Mortgage

The attached letter above you were originally copied on was in XXXX with an apology and settlement of {$12000.00} dollars In reference to the complaint I filed with your agency in XXXX was never honored by XXXXXXXX XXXX XXXX XXXX. 
In XXXX, I agreed and accepted this offer by signing all forms requested and a check was never sent. 
In XXXX, on two occasions the same forms were signed twice and XXXX XXXX XXXX XXXX said they needed to do research and still no settlement check was sent In XXXX, I contacted said Mortgage Company again and was told to sign all forms which included same as the previous years a XXXX, and release form and this time I went to my bank, had them read my personal letter as a witness and let them watch me sign all forms again and attached a personal letter and had it notarized and attached it with the forms and still no settlement check sent. 
Early XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX along with a witness and was told to resend same paperwork along with the original letter of settlement sent in XXXX and to email it to XXXX attention XXXX XXXX and was told the issue would be resolved quickly because of how long it has taken, and I would have an answer by XX/XX/XXXX and again no settlement check was sent. 
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXX to follow up and again this time I was told they needed to research this matter and to resend same items again which I refused and requested that someone in charge to give me a call back that has the authority to resolve this almost 3 year issue that has been ongoing. The representative, agreed with the lingering and agreed to have the person in charge who can resolve this issue to call me on XX/XX/XXXX at their time XXXX which is my time XXXX On XX/XX/XXXX an hour late I was contacted at XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX deliberately refused to resolve this matter immediately by submitting the settlement check of {$12000.00} dollars. 
XXXX XXXX totally disrespected me by continuing to lie and falsely accuse me of never responding to the offer and made a false statement that XXXX is the first time I ever accepted and agreed to this offer. He once again, said they needed to research this matter. This is a continuous attempt to deliberately continue to defraud me and continue illegal Business Practices This could have been avoided altogether if my possessions worth more than {$100000.00} was returned to me when XXXX XXXX ( contracted by XXXX XXXX XXXX XXXX ) confirmed they had my possessions in their storage when I was available to pick them up but they said they would not release my possessions without XXXX XXXX XXXX XXXX XXXXXXXX 's permission. 
I have suffered severe emotional Distress and pain Note : a XXXX I did no attach it due to personal information contained on the document
Product: Vehicle loan or lease

I have reached the end of my lease and Toyota Financial not only isnt allowing me to extend my lease, but they are also reporting " late payments '' to the credit bureaus, without allowing me to make a single payment. 

Month after month they report late payment, despite several conversations about this issue every month. I have asked them countless times to let make the monthly payments, as I work out financing arrangements to purchase out the lease, but they say they can not accept monthly payments but yet report me to the bureaus as if they did give me the option to do so. 

I should not have negative and inaccurate reporting of " late payments '' when the company itself does not offer a way to pay or resolve the negative reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I have received communication from Asset Recovery Solutions LLC regarding paying back a loan that I had with XXXX XXXX XXXX XXXX XXXX that I opened using a XXXX XXXX checking account. The representative I talked to on XXXX said the original loan was for {$700.00}, but my failure to repay has made it increase to XXXX. The representative said I did make a few payments and stopped. None of this is true. I never opened a loan with XXXX XXXX and I never had a checking account with XXXX XXXX. I told the representative that none of these accounts was on my credit report, and he responded that just because the accounts weren't on my credit reports didn't mean that I never had them which sounded dubious to me. I ended the conversation there and decided to report it.
Product: Credit reporting or other personal consumer reports

Dear Experian I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report. Please verify or remove immediately the following accounts XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Balance {$570.00} I dont recognize this lender and account. Please remove this inaccurate information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had to go to XXXX XXXX XXXX Hospital in XXXX, Maryland on XXXX/XXXX/XXXX with XXXX. Before going there I checked and confirmed with my insurance that they were an in-network healthcare provider. I submitted my insurance card at the XXXX XXXX Hospital XXXX. The doctor who saw me was XXXX XXXX. In dues course of time I received bills from XXXX and paid them immediately. Yet this doctor ( XXXX XXXX ) and her outfit ( XXXX XXXX XXXX XXXX ) failed to bill my insurance for several months. Instead somehow billing my wife 's insurance ( different from mine ) and even received payment from them. They did not submit a claim to my insurance and then sent my account to collections. Once I found out about this situation I called them but they still did not submit a claim. Finally I was able to get my insurance to contact them directly and have them submit a claim in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX XXXX XXXX XXXX ) processed the claim and told me my responsibility to pay is {$160.00}. Yet this company, Maryland XXXX XXXX XXXX XXXX is insisting I owe them anywhere from {$750.00} to {$390.00} ( it varies ) and have been hounding me with a collection agency ( Transworld systems ). I have faxed them the claim statement from my insurance but they have ignored it. I would like to report this company for fraudulent over-billing and request that your Office take appropriate action against this company/doctor and also help resolve my issue. 


XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

On  XXXX   XXXX     2017 I rec eived a phone call from  XXXX   XXXX  wi th National Credit Systems , Inc  about alleged money that I owed to  XXXX   XXXX   XXXX  Homes. I told her to send me proof in writing to validate the debt. I know under the Fair Debt Collection Practices Act that they have 5 days to send me the information. I received the letter yesterday,  XXXX   XXXX   2017. I t was postmarked  XXXX   XXXX     2017.   Included was an invoice from  XXXX   XXXX   XXXX   XXXX , listing various charges and it was addressed to the apartment that I had moved out of. I never received this original invoice, so I never had the opportunity to dispute or keep it from going to collections. I do n't believe they mailed it because I would have received it since all my mail was forwarded. I tried calling  XXXX   XXXX  after I moved out many times and I never once received a return phone call. They also never tried to call me about anything I owed. my phone number that they had on file did not change. In addition,  National Credit  Systems failed to prove ownership of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with XXXX XXXX and LexisNexis in the amount of {$0.00}, which dates disputed with XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX were XX/XX/XXXX and LexisNexis. As of XX/XX/XXXXthe new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. XXXX XXXX and LexisNexis failed to remove the bankruptcy off of my credit report in a timely manner. XXXX advised that it were investigated and came back that the Arkansas bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from XXXX and LexisNexis never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.
Product: Debt collection

I did not XXXX XXXX XXXX XXXX XXXX XXXX to release my personal information to this dept collector Medical Revenue Service. XXXX XXXX disclosed to them all my personal information such as what types of meds and shots which violates the HIPPA LAW.
Product: Debt collection

To Whom It May Concern, I am writing to follow up on your recent response dated XX/XX/XXXX, regarding the debt you claim I owe. While I acknowledge receipt of your correspondence and the enclosed documents, I have noticed that some critical information I requested under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, was not included.

Specifically, I am requesting : A copy of the original purchase agreement or contract showing how this debt originated.

A copy of the bill of sale or assignment of debt that transferred ownership of this debt to your agency. This document must include all required signatures, including my own, as proof that this debt is valid and that you have the legal right to collect it.

The materials you have provided thus far, while partially helpful, do not fulfill the requirements for proper validation of this debt. Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from making any false or misleading representations regarding a debt, which includes insufficient documentation of their right to collect.

Please consider this a formal reiteration of my initial request. Until all requested documents are provided, I dispute this debt and request that you cease all collection activity as per my rights under 15 U.S.C. 1692g ( b ).

If you can not provide the requested documents, I ask that you promptly notify me and ensure that any negative reporting to credit bureaus is removed, in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I expect a response with the appropriate documentation within 30 days of your receipt of this letter. Please direct all future communication in writing to the address provided above.

Thank you for your attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have Transunion validate an account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping careful records of all actions that Transunion has taken my originals letters have made it very clear that I do not consent to XXXX  or any other means of automated verification. Several letters requesting this information was delivered and received by Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have failed to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filing a lawsuit and having a judge order Transunion to provide this information in the court of law. 

Along with this, you will find a copy of all the letters I've mentioned above I also have proof of where a Transunion employee signed and received these documents.