23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : AMERIFINANCIAL SOLUTIONS ACCOUNT # XXXX {$100.00}, {$140.00}, {$100.00}, {$120.00} Best Regards, XXXX XXXX
Product: Credit card

Good evening, This letter concerns the transaction on XX/XX/2023, from XXXX in the amount of {$310.00}. The reason for disputing this transaction is that the hotel room was canceled due to the unsatisfactory condition of the room. Both rooms smelled as if someone had urinated everywhere. I canceled my stay at the front desk and was informed that I would receive reimbursement within 7-10 business days. As that timeframe had elapsed, I disputed the transaction through American Express. Initially, I received a credit, but it was later revoked. I reopened the dispute, contacted XXXX, and have video recording proof that XXXX will reimburse me. However, they lied about that, and American Express closed the dispute again, stating I didnt have pictures or didnt cancel the room before checking in. 
How can a person check the room before checking in with the hotel? This doesnt seem reasonable or possible unless there is a policy by American Express and XXXX that customers are unaware of. I reached out to XXXX again and was promised reimbursement once I provided the following information : Documents needed : For bank/credit card statements, please ensure the following details are visible : The cardholder 's name The banks logo The last 4 digits of the credit card number The merchants name The transaction date, amount, and currency I provided the required information, and XXXX claimed they couldnt reimburse me because they never received any form of payment from me.

If I can be of any assistance with this issue please let me know. This is around my fourth time doing this dispute and would like to receive my refund as I was promised.
Product: Bank account or service

My bank failed to process an automated payment within their system to an internal loan and charged a late fee. A confirmation of the payment was provided and no failure of payment was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for and was approved for financing through Syncrony Bank for XXXX XXXX. The terms, which have been verified with both the sleep number store and Sleep number customer service state that I should not be billed until 30 days after I recieve my bed. That date was XX/XX/XXXX. On XX/XX/XXXX, a bill was issued -- no dispute because that is correct, I recieved an alert from the credit bureau that my credit was over the limit. They have yet after 2 phone calls not explained why the amount charged is over the limit and why I have not been given the option to make a payment before alerting my credit of the over the limit amount that they can't explain, I have yet to recieve the bill issued on XX/XX/XXXX. The terms of the financing were 4 years interest free and then 5.99 % for the following 24 months. Synchrony bank also has 2 XXXX XXXX accounts reported on my credit report and there should only be 1. It states my credit utilization is 64 % which is also not correct as this is the only account with a balance and I have an XXXX credit limit between this and the only other revolving credit account I have which is also with Syncrony Bank. My credit score dropped 46 points today due to these issues of inaccurate reporting, I have asked them to correct the mistakes to no avail. Syncrony Bank disconnected the call the first time I contacted them at XXXX XXXX XX/XX/XXXX and the second time argued about what the promotional financing was and when I asked for a supervisor I was placed on hold for almost an hour. No one came back on the line to assist me or check in to let me know what was going on. Second call took place at XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.
Product: Checking or savings account

This will be a third complaint against Chase Bank. 
I wanted to add another complaint to my previous complaints in regards to the closure of my bank account with no notice prior to being lock out onXX/XX/2020. 
I was also at my local bank located at XXXX XXXX State Route XXXX, XXXX XXXX on XXXX denied my remaining balance. When I went into the bank the refused me my funds which I stated in an earlier complaint. The additional complaint is now in regard 's to the follow up call XXXX I had from Chase in which XXXX a chase representative ( XXXX Ex XXXX ) in regard 's to my first XXXX complaint in which she told me my local bank should not have denied me my funds when I went into the Bank to receive them and that she would investigate. 

This still does not give me any access to my funds. When asked when I would have access she would not give me a time frame. I would think in a national pandemic regarding banking during this time it would be unheard of to deny me my funds at the bank. 
I have medical issues going on and I am in the middle of being seen for heath issues. I now can not see doctors because the Bank refused me my funds and I only have a Chased debit and credit card. I don't no all the laws requiring this with Covid19 with Banks. 

See other XXXX complaints for full details. 
Case # XXXX, # XXXX 1. Investigation into best practices within Chase. 
2. Reinstatement of my bank account and any damage done to my credit if done by Chase.

3. Damages for loss of business and suffering.

4. Audit of local bank for refusal of my funds on XXXX 5. Funds immediately available. 
6 .Explanation and apology 7. Copies of my complaints with Chase made available to me- local bank and on phone have refused me these. 
8. Bank statements of my account from the beginning of when I opened my account made available to me.
Product: Mortgage

I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume the loan and be added to the mortgage note and it is becoming concerning. They are also not providing their reasons for denial in writing so transparency is an issue. Assumptions department is verbally implementing " due on sale clauses '' that may not be allowed in loan assumption processes in cases of divorce or inheritance of a property. They are offering alternative products such as a loan modification with a simultaneous assumption as a way to assume the property but Wells Fargo knows that given the nature of the loan being assumed, a loan modification will automatically become denied. The loan is a MBS loan ( mortgage backed security ) loan which does not have a permanent loan modification. It is unclear why Wells Fargo continues to give me this run around and delay tactics. A lack of transparency, a lack of clear communication and trust is a high concern. I am seeking support in the loan assumption process as a successor in interest in the property to be added to the mortgage note applicable with all regulations that include exemptions for due on sale clauses for successors in interest in cases of divorce or property inheritance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being I have rights under 15 USC 1681.

Equifax XXXX XXXX XXXX are govern by 15 USC 1681. And they violated my rights numerous times I demand the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and i did not give equifax XXXX or XXXX written permission to furnish these accounts. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following iters 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. 


Accounts 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, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021 I applied for a XXXX Credit Card. My credit score through XXXX is around a XXXX, I was denied and on XX/XX/2021 I received a letter from XXXXXXXX XXXX stating the information they received from Transunion is the reason for the denial. I went to Transunion Website and put in my user name and password and it wouldnt let me in at first. I was then able to get in to the website but after putting in all the correct information I was denied access to view my credit report. I called the number and spoke to a supervisor named XXXX who informed me that there were XXXX credit reports and they needed to fix that first before I could view mine. I argued that if a credit card company was able to view it and I was denied credit due to what was on the report I should be able to view it as they were.I was told that wouldnt be possible and I should call back in 5 business days. I want to know how there is 2 credit reports { I was told it happened when someone was reporting about me and whoever was inputting the information had made an error } That makes no sense! I have a right to my credit report and I want to view it since I was denied a credit card because of it. I then tried to obtain it through XXXX and was denied on that website as well.
Product: Money transfer, virtual currency, or money service

My account with Coinbase has been blocked by them since XX/XX/2023. 

I tried multiple times to talk with customer service, and their typical response was that the support team was reviewing the account. 

I have approximately {$2300.00} in crypto currency in their custody and they will not re-instate my access nor refund my funds. 

I even twitted to the CEO of the company in an attempt to get this issue resolved.
Product: Mortgage

I have been trying for the past 3 year to get this loan modified with XXXX XXXX who is my second mortgage with no luck as they require a substantial down payment which I do not have. This current review was submitted on XX/XX/22 and on XX/XX/22 i was informed that I need to come up with a down payment of {$21000.00} which would have to be paid prior to the auction date of XX/XX/22 which it doesn't give me enough time to try other avenues and only if I am approved. As of today they have not provided me anything in writing as a denial or approval and the auction is 8 business days away.
Product: Credit card or prepaid card

I have a prepaid bank of america card for my unemployment benefits. I reported the card lost/stolen. Once I reported it lost/stolen I could not access my account to report fraudulent charges. When I received my new card I accessed my account and called to report the 4 fraudulent charges. I was transferred to the dispute/claims department and was hung up on each time I called back. I looked on the website and found the number XXXX for disputing charges. I called and was placed on hold for 4 hours.I was then disconnected. I have called the number several times over the last month and it continues to be a recording telling me someone will be with me in a moment. Then it rings and a recording tells me no one is available to assist me. I wrote to all addresses on the BofA website disputing the charges and I have yet to be issued a refund and my complaint has not even been acknowledged. I called number on back of my BofA card and I have gotten so many excuses as to why no one is answering the phone in the disputes department that I am ready to pull my hair out. I believe BofA is violating consumers rights to proper refunds by not answering or processing disputes. If they don't assist customers they too are stealing from their customers.
Product: Credit card or prepaid card

I've got really good credit I've applied for other cards and it comes back saying this application is fraud fraudulent I ve been working since I was very young and never had a payment been late I deserve card account bank account I worked hard to build my credit so I deserve the opportunity to get any card without it saying fraudulent. XXXX XXXX XXXX ss XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX  data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for their failure to conduct a proper and thorough investigation into multiple disputes I have filed. I am a victim of said lawsuit against Experian for not conducting a proper investigation. 
The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Experian have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report.

I trust that the CFPB will address this issue with the urgency it requires, ensuring that Experian adheres to legal standards for credit reporting accuracy and dispute investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked to look into it they clam its correct and left the bankruptcy on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 6. The inquiry was not authorized WF PLL Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
16. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
19. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
20. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
21. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
22. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
23. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
24. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
25. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identifed similar process by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.