23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The complicate to break! An accountant view run through difficult and non- liable proceeses. Then sent, a email comunication to find through descrepeant procees an matteres. 

Business did not want to comprehenssion of the facts of the occur and denied it. As the data was all, through releaveante. 

Account no. not then there the last, four of the card no. in through this gen. data.
Product: Credit card or prepaid card

My parents received a call regarding purchases for a credit card they don't have. It was listed as a call from Synchrony Bank. The message said there was a purchase in excess of {$800.00} made in XXXX, Texas. My parents live in XXXX XXXX XXXX. The number shown was XXXX. I didn't call that number, just in case. I looked up the bank 's number online. The first number given, ( ( XXXX XXXX XXXX, ) turned out to be for a medical equipment company. I tried another number ( XXXX, ) and got the bank. I refused to give them social security numbers, but did oblige with my parent 's phone number, as it is not blocked. The " agent '' stated that the phone number did not correspond with any of their accounts. He told me to disregard it. I'm not sure if that is wise, because others might fall prey to this scam. This happened on Thursday, XX/XX/2020, at approximately XXXX XXXX.
Product: Debt collection

- reported debt as ID theft and was told they were from XXXX XXXX and was told they would remove the account from my records but nothing has been done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, is reporting three different total amounts owed, which is inconsistent and damaging to my credit profile. This discrepancy is negatively affecting my livelihood and ability to secure financial opportunities.They reported to Equifax that the total balance owed is {$33000.00}. XXXX XXXX reported to XXXX and XXXX that the total owed is {$33000.00}. XXXX XXXX reported to Equifax that there are 3 late payments. XXXX XXXX  reported to XXXX that there are 5 late payments. XXXX XXXX reported that there are 4 late payments to XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). This error violates my rights under this law. Additionally, creditors must provide accurate updates to credit bureaus under 15 U.S.C. 1681s-2 ( a ) .This error has caused undue hardship by lowering my credit score and impeding my ability to access necessary resources.
Product: Debt collection

I am writing in response to your recent communication dated [ Date of Debt Collectors Letter ], which I received on [ Date You Received the Letter ]. I do not acknowledge or accept responsibility for this debt and am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ).

Please provide the following information : 1. Validation of the Debt : The amount of the debt.

The original creditors name and address.

The date the debt was incurred.

2. Proof of Your Authorization : Verification that you are legally authorized to collect this debt.

3. Account Documentation : Copies of any contract or agreement I allegedly signed that created the debt.

4. Payment History : A complete payment history, including all charges, fees, and payments made on the account.

5. Confirmation of Statute of Limitations : Evidence that the debt is within the statute of limitations for collection in my state.

Please treat this letter as a formal dispute. Under the FDCPA, you are required to cease all collection activities, including reporting this debt to credit reporting agencies, until you have provided the requested validation.

Additionally, please communicate with me only in writing regarding this matter.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days as required by law. 

XXXX XXXX
Product: Debt collection

I received XXXX surgery from XXXX XXXX XXXX. I paid a large sum in advance of the surgery - and was surprised when I still had almost {$3000.00} not covered. 

I made a couple of payments toward the XXXX bills - and the next month when I went to make more payments- I wasn't able to. 

I received a bill for {$2100.00} from a Debt Collector and I paid it. I didn't hear anything more, until I received a phone call from someone asking when I was going to pay the bill. 

I said- I sent a check a while ago, and I looked in my records and gave them the date the check cleared and the amount. 

They let me know that was for XXXX bill and there was still an outstanding bill for {$670.00}. 

I let them know right then that it was not the correct amount, that I had paid on that bill and they needed to get the updated information. 

They sent me a bill and I returned it with the message : " I am disputing this bill as it is the wrong amount. '' They called me last week and asked me again about the bill. I had not received another bill since I returned the last one disputed and told them that. They said : " Oh, yes, we saw that you disputed it and XXXX says you owe that money. '' I responded that I never received any proof that I owed that full amount and in fact - I do NOT owe the full amount and that they needed to provide me with PROOF that I do owe that. They said they did not need to provide proof - that XXXX saying I owe that is all they needed. 

They sent me a new bill- with the same amount on it. I double checked my payments and I have made a payment that is not reflected in the amount billed. 

What are my rights? I always understood that if they did not provide proof of the disputed bill that the bill would simply go away. Can you clarify? I am planning on returning this letter disputed and sending it certified mail so I have it clearly stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert on XX/XX/2020, that XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX ) was in collections. I was so confused, I've never heard of this collection company. No one has called me from their company, I received no letters this just randomly appeared on my credit file. The very next day XX/XX/2020 I received another alert saying the debt was paid in full and the balance was showing {$0.00}. Ive called the number listed I was just put on hold multiple times. My final bill from the XXXX XXXX was paid DIRECTLY to them on XX/XX/2020. So of course the balance was {$0.00} I never owed them in the first place! XXXX. XXXX XXXX had no right to report anything to my credit file since they saw that it was paid through the original debtor. This had NOTHING to do with them. The debt was paid and handled directly with The XXXX XXXX. I am attaching that original receipt.
Product: Debt collection

Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. This is the third time I try this with this company. I had my document notarized through an online notary in the state of Texas. Company claims I have to go in person as its not valid without a certificate. I have contacted the notary and was notified a notary seal OR a certificate is required to be valid. The notary seal is on my document. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody. 
I am also attaching my filed police report this time. 

What else could they possibly need. You have my ID which shows a different signature then the documents on that lease. You have my signed affidavit. AND now you have my filed police report. Remove this from my credit reports
Product: Credit card

XXXX my XXXX  children have been a victim of fraud and identity theft. I have contacted the credit card companies explaining the accounts were fraudulently opened and my XXXX XXXX XXXX The accounts need to be removed from their credit reports, collections, and any other reporting as these are fraudulent. The companies have failed to correct the accounts as well as the credit agencies. 

See police reports of fraud and theft. 
XXXXXXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXXXXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report No XXXX XXXX XXXX Sheriff 's Department Report No. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXXXXXX XXXX XXXX  Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX
Product: Mortgage

In XXXX of 2022 I had a BPO done on the property for PMI removal. The evaluation came {$140000.00} lower than 3 offers I received on the property to be purchased just few months prior. The CMA on the house is {$500000.00}, Caliber itself send emails each month estimating the value to be at around {$500000.00} and the Evaluation came at {$360000.00}. Upon receiving the evaluation I called Caliber to request an appeal. I was told by a rude representative that that is not an option to me and there is nothing I can do to change it. 
After several more calls to Caliber, my case finny made it to the Service Manager, who called me on XX/XX/2022 and stated that she had listen tonal the phone calls I made to Caliber and I was wrongly told that I could not appeal the BPO, and I requested it within the time frame that allowed for the appeal, and because of this reason Caliber will order another BPO at their expense. On XX/XX/XXXX I met at the property with the new BPO to inspect the property. 2 month later, on my XXXX call to the bank to request the Evaluation, I was told that it was not completed because the Broker was not able to reach me and schedule the inspection. Again, I was in the house with the Broker who took pictures, on XX/XX/XXXX. 
I tried to talk with a supervisor, with a manager, they keep on taking messaged and no one is calling back. Meanwhile I am paying {$100.00} each month for the PMI. 
XX/XX/XXXX I received a call from another Broker trying to schedule a time for looking at the property. Caliber did not notify me they ordered another BPO. On XX/XX/XXXX he came to the house. I do not have any trust left in Caliber anymore. I am worried they are trying to get a low value on the BPO to not drop the the PMI. 
XX/XX/XXXX I show a letter saying The AVM ( Automated Valuation Model ) did not meet the LTV requirement. 
I feel hopeless. My LTV is about 60 % and its been a fighting to have Caliber drops the PMI. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX Bank opened on XX/XX/XXXX. During the first XXXX years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made XXXX bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted XXXX bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted XXXX after reviewing my credit reports I noticed two things about how it was reporting. One, the balance was paid in full for less than the total amount. I never agreed to this. Two the account is still reported as derogatory. I did inform XXXX  that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, XXXX refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XX/XX/XXXX ALLY FINCL XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I while ago last year sometime myself and others who keep/kept our money with Crypto lender Celsius were advised that our funds would be frozen and we would lose access to our wallets until the cypto market leveled out or they found a buy I am assuming. The message you get on the app, and the website make it sound like more of an inconvenience. We had been lead to believe that our accounts would be unlocked at some point once things were straightens out. At lease that was the hope.. There was even few stories floating around that we would be allowed to keep up to 94 % our our wallets. I was kinda okay with that. But now I think being okay with that is even preposterous. Leaving any currency with anyone with any fiduciary duty to my funds should and with the end user/customer whole. I would like ALL of my crypto back. If the IRS can tax my crypto they can go to bat to help me claw it back from unscrupulous bankers that have decided what to do with my money, because the market is not going the way they wanted it to go. The resolution I am seeking is all {$7100.00} of my digital assets from XXXX to Cel. I have included a schedule of the contents of my Celsius account. This is the epitome of unfair. I was actually a Celsius ambassador before all of this. The fact that they can just sell off other people 's assets with such recklessness is apprehensible. As stated above if the IRS can tax this stuff measures should be taken to protect those early adopter such as myself from those who would do use harm, and attempt to take money out of our pockets and food out of those under our care. 

{$7100.00} Celsius {$390.00} XXXX CEL XXXX XXXX CEL / {$390.00} XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX / {$5400.00} XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX / {$430.00} USD Coin {$310.00} XXXX XXXX XXXX XXXX XXXX / {$310.00} XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX / {$300.00} XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX / {$230.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX / {$50.00} XXXX XXXX = {$1.00} XXXX % XXXX XXXX Price {$0.00} XXXX {$1.00} XXXX XXXXXXXX XXXX XXXX XXXX / {$1.00} XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX / {$0.00}
Product: Checking or savings account

On XXXX in or about the hours of XXXX and XXXX I went to PNC Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and used their ATM to deposit XXXX into my account via atm deposit the atm encountered an error and did not count my funds nor deposit my money into my account PNC will not do anything about this matter. Ive tried reaching out and no resolution of any matter. This bank stole my money
Product: Credit reporting or other personal consumer reports

The debt collector/buyer ( Oliphant Financial , LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX reported the same outdated single account which has been settled, as XXXX separate collection accounts on my credit report. Essentially they created XXXX negative items on my credit for XXXX settled account and aged account. Additionally, they mis-state the age of the account as being from XXXX when it is in fact from XXXX, which will inaccurately leave the account on my credit report for over 6 years past the time when it should drop off. It also created the appearance that this is a new item on my credit report when it is in fact an old and settled account that they suddenly decided to report ( twice ) This account was settled and paid and a civil lawsuit was involved. It was NEVER on my credit report and then yesterday suddenly appeared as XXXX entries for the same outdated item. This is wrong and abusive, and a seriously unethical and questionable practice by this collection company. Again, this is a single account closed in XXXX that was litigated civilly and settled. It was never XXXX accounts, should not be on my credit at all let alone on my credit as XXXX accounts. This is a deceptive and retaliatory practice by this firm and should be addressed. I will be cross filing this complaint with the state attorney generals office and consulting with an attorney this afternoon to discuss recourse.
Product: Mortgage

I had a fire on an out building built long after mortgage was secured ( did not originate with ditech ). It was a therapy building for my XXXX special needs sons. Since I have a mortgage the insurance company had to include th on the check. I still owe funds for this building ( put on my cards ) I contacted Ditech to get the ball rolling so I could pay off this debt. I was told I could not and needed to sign the check and send it in and then they would regulate the rebuild. Finally on XXXX XXXX I called back to speak wtih a supervisor to get more details and to explain my situation. Spoke to a rep that gave every detail. We went over this again before ending the call so I made sure I got what they needed. WA sold a letter/adjuster report stating it was a total loss ( since that makes a huge differwnce ) & that it indeed is a separate structure from the home. I did this and sent in check so they would endorse and return like I was told. Today I called to follow up and they will not endorse it, I have to rebuild under their guidlines or put it towards my principle. Based on my prior conversation which rep today stated she saw I was told that I could opt to not rebuild IF insurance company stated total loss of separate structure. I mailed that certified with check ( unendorsed & took pictures of what I sent ). The rep stated only the check is on file as well. This does not impact the value that I mortgsfed, in fact the value of my home is way higher now and I should not have to pay a debt for this building when thay is the purpose of insurance. Thank you and feel free to contact me at XXXX
Product: Money transfer, virtual currency, or money service

I disabled my card, after they texted me saying my card was added to XXXX XXXX! And called them.. before the theft. Im assuming its the same as XXXX XXXX, I only have my card on XXXX XXXX. But, moving forward ... my card was ENABLED after I DISABLED IT! Transferred my savings to my checkings and withdrew my money! OVER XXXX!!!! Theyre making it seem like it was me, saying because my card was in possession they wont be reimbursing my money! I cut up my card ... So I know where my card was. Somebody who scams for a living or work there did it. This happened in NC. Never even stepped foot out there, or know anyone for them to have my card! And whos even able to do all that?! Without my info? If it wasnt me.. other than them? I got police reports in both NC ( XXXX ) & XXXX, theyre still giving me a hard time!!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ) {$400.00} Date Opened : XX/XX/2023 Disputed previously and the account was sold to another collection agency after being disputed and removed. 

XXXX XXXX XXXX ( XXXX ) {$420.00} {$250.00} {$600.00} Date Opened : XX/XX/2023 Disputed previously and the accounts were sold to another collection agency after being disputed and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint open with this company and they continue to make it worse. Now they are reporting that I had a flex spending card with them and that is false and untrue and they have verified this lie with XXXX and dropped my score another XXXX points!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

This is my second attempt to get this resolved. Below is my original message to CFPB was contacted in XX/XX/XXXX from Portfolio Recovery, I had told them then I had filed bankruptcy ... .previous to me filing bankruptcy ( roughly a year prior ) they sent me a tax form which I had to use when I filed my taxes, I do n't remember the form but it was for bad debt. They call me everyday all day from different numbers all over the United States XXXX XXXX XXXX XXXX XXXX I have told them about my bankruptcy, told them about the tax form that was sent ... ..they will not stop calling me and harassing me. 

This was their response : Portfolio Recovery Associates, LLC ( PRA ) is in receipt of your complaint, dated XX/XX/XXXX, but with the limited information that was provided to PRA, we are unable to identify an underlying telephone calls which we can investigate. In order for PRA to locate the telephone number linked to your complaint, we ask that you provide us with the telephone number at which you received our calls. In order to resolve your complaint, we will need additional information to investigate and resolve the issue. Specifically, we need to know the telephone number at which you received our calls. 

Ironically for them to NOT have my phone number the phone calls ceased, up until today XX/XX/XXXX, they are blowing up my phone, back to back calls from all over the United States. These calls need to stop!!!!!!! i 'm tired of the harassment and can no longer leave my phone on at work, which causes an issue if there is a family emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX