23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Coinbase charged me for a transaction from XX/XX/XXXX and XX/XX/XXXX twice. The charge from the XX/XX/XXXX was {$100.00} and the charge on the XX/XX/XXXX for {$100.00}. I realize this may be small amounts for some people but this is money I need for bills and food. Please assist as soon as possible. Thank you
Product: Debt collection

THIS IS A MEDICAL DEBT PLACE ON MY CONSUMER REPORT! 

To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. As well on XX/XX/XXXX Consumer Financial Protection Bureau has finalize rule to remove medical bill from credit reports as part of Regulation V. In addition in violation of 15 USC 1681i, 15 USC 1681 s-2 and 26 U.S. Code 9816 .

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any XXXX authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPBXXXX XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of YOUR STATE GOES HERE medical privacy rules.

I also hereby reserve my right to take private civil action against you to recover damages.
Product: Debt collection

They are lying about a debt that I do not owned on an old auto account from XXXX years ago. They are lying on my credit report about a debt that I dont owe and reporting it as its a recent debt from as soon as last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by Caliber Home Loans, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both XXXX XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or Caliber Home loans since 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my credit report that i did not make and its keeping me from obtaining credit can you please remove them i have children to feed and its making me struggle to put food on the table. Can you please be so kind as to remove these incorrect inquires because i didn't approve them
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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: Debt collection

I am unaware when this debt occured. I contacted the company several time and even settled the debt with the XXXX party vendor whow stated it would clear from my account in 30-90days. It has been over a year. After numerous attempts of contacting the company, all I can think is that this is a scam or fraud. I have paid and have requested for it to be removed several times. I would like disclosure of verification of debt still owed.
Product: Debt collection

I defaulted on promise to pay because my charge card was lost and in the process of being reissued. I notified them I will pay as soon as I get the new card in the mail. They have called me on my cell and work phone over 12 times today, even after they were notified by email to stop calling me at work. They continue to harrass me at work.
Product: Credit card or prepaid card

On XX/XX/20 my Reliacard for unemployment was deactivated without any notice or just cause by the company.I have been asked to verify my identity, multiple times and have done so 5 times and still can not access my funds.Me and my fiance, XXXX XXXX have the same issue with US Bank Reliacard.We have been stuck out of state for over a month, have missed legal proceedings and i have lost my 3 rarest stamps in my collection which are valued in excess of {$470000.00} as a direct result of this situation.To top it off, i have {$6700.00} on my Reliacard as i type this message and im living day to day and basically homeless in another state because i cant get my funds.They are ruining the lives of good people, and i just want my money its does not belong to them.Attached is the verification they asked to be provided from me and my fiance XXXX XXXX XXXX.
Product: Student loan

I am a cosigner for a private student loan being services by Navient. The primary borrower has made arrangements for an income based repayment plan, however Navient claims that this agreement does n't cover all of his loans, including the loan I cosigned for. I called Navient today, XXXX/XXXX/2016, and spoke with a XXXX XXXX. I explained to her that 1 ) The repayment plan they worked out with the primary borrower should cover all of his loans. I got an answer that not all the loans qualified. More importantly though I explained to XXXX XXXX that I was laid off my job a week and a half ago and currently being unemployed I would need a deferment or forbearance until I am employed again. She told me that all deferments and forbearances have used up and stated that I needed to start making payments. I explained to her that being unemployed means that I have no income. This simple fact made no difference to her and she repeated herself that I needed to immediately needed to start making payments. I then pointed out as to how I could send money to Navient that I do not have.
Product: Credit card or prepaid card

Your company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal.

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I paid the total amount due to Discover by check accompanied by a letter requesting that the account be closed. The payment was paid before the closing date of the statement. I had {$0.00} worth of purchases. On XXXX XXXX, 2017 they started charging me interest on my {$0.00} purchases and {$0.00} amount balance. I was not looking at that account online anymore because I closed the account. On XXXX XXXX, 2017 they sent me a past due letter saying that I owed them {$120.00}. On XXXX XXXX, 2017 my wife called and spoke with XXXX and she said that they would adjust the amount to {$0.00}. In the mean time Discover kept reporting me delinquent to the credit bureau, making my credit score drop dramatically. XXXX  of Discover did nothing to make my balance {$0.00}. On XXXX XXXX, 2017 my wife called Discover again and spoke with XXXX to adjust the amount. Finally they credited my account to be {$0.00}. My wife also spoke with XXXX and she marked the account closed as of XXXX XXXX, 2017 but refused to back date any of the credit reporting. Because of this I can not get LP gas for my house or a vehicle loan.
Product: Mortgage

I applied for modifications and was offered a modification with a good faith deposit of {$13000.00} in XXXX. I don't have that and never gave them the impression I did. I am the owner of the home on a deed. I was never offered the option to obtain the loan since it's in the name of the estate deceased husband. I want to be considered for owning the loan. I recently sent over a new application to be considered for ownership of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts on my personal credit report with Equifax, XXXX, and XXXX  and yet XXXX, Equifax, and XXXX  are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by XXXX, Equifax, and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

As XX/XX/2018 I check my XXXX XXXX account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my Experian profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contacted cfpb in reference to PayPal placing a hold on my funds totaling {$8400.00} and PayPal responded with they have rights in their guidelines to hold my money for up to 180 days its has been more than 180 days since XX/XX/XXXX I still havent received any notice of my money being released I have contacted PayPal on several occasions due to this altercation and they refuse to release my funds which they stated I should have received on or before XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I noticed that some incorrect accounts were listed, and Im unsure how they ended up there. I routinely check my credit report, but this time, discrepancies appeared unexpectedly. I refreshed my browser to check if it was a technical issue, but the errors were still present. To address this, I ask for a careful examination of the documents Ive provided to ensure this problem doesnt happen again.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX / {$0.00} XXXX XXXX XXXX / {$730.00} XXXX XXXX XXXX XXXX / {$1500.00} XXXX / XXXX / {$0.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Mortgage

We started working with XXXX XXXX from Mortgage of Florida, NP, Inc around late XXXX. 
On XX/XX/XXXX My husband and seller signed a contract and We transferred an agreed $ XXXX deposit. 
We immediately started working with Mr XXXX and on more or less XXXX XXXX I became a party to the application. They pulled my credit which was acceptable at the time for an fha loan according to the loan officer and the pre approval letter. 
There was a situation with my husband and his accountant where he thought his taxes were filed but they werent. Once We found out they werent my husband immediately filed them. Though taxes were extended because of covid 19, loan officer told us we had to file his taxes for the fha loan. 
We provided everything immediately. Loan officer asked for more time and extending the closing dates three different times. 

Apparently with all these things with covid 19 issue we went over our effective date we wouldve had the approval. 
We were not instructed to provide a letter to terminate the contract to the seller- assuming that everything was kosher. 
At some point, the loan officer dragged his feet through the covid 19 and requesting note and more documents. 
On XX/XX/XXXX ( 10 days after our closing date ) the loan officer said something changed on my credit and they changed their guidelines and that why we didnt get approved. 


Because we were misinformed by both the loan officer and the realtor, we lost our $ XXXX deposit to the seller. We suffered tremendously with this company as we were never given answers to our questions in an appropriate manner. 

We lost all of this and time while XXXX with a XXXX year old. They left information out, didnt tell us entirely the truth, and changed their guidelines after our closing and didnt inform us until it was too late to pull from our offer. We had to give up our deposit of {$5000.00} which is not right. We are first time home buyers. We put our trust in the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : CIT Bank : XX/XX/2018
Product: Checking or savings account

Chase XXXX XXXXXXXX XXXX XXXX took money from my closed account before sending me a check for the remaining balance, resulting in me not getting all my funds back. 

XX/XX/XXXX - XXXX Remote Online Deposits were made with an amount of {$2800.00}, totaling a balance of {$2800.00} in my account. 

XX/XX/XXXX - XXXX XXXX - XXXX XXXX, removed- {$2300.00} leaving me with {$450.00} I believe Chase is definitely breaking the law here. Chase was supposed to mail me a check of {$2800.00} not {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Someone is using my identity to my a purchase or something. Account was opened on XX/XX/2020 of a credit limit of {$800.00} with a balance of {$570.00}. I don't know if, I'm going to the wrong source to solve it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of the following inaccurate item ( s ) : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$200.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Credit card or prepaid card

I have a Citicard that is currently in forbearance due to Covid. My credit is good and I call them monthly. Just got email they are decreasing my card limit to amount I owe. This will hurt my credit score will be at 95 % use of card. Card was at XXXX limit. I owe about XXXX. Now they're decreasing card limit to XXXX effectively closing this card for any use. They have horrible customer service even though I've been in good standing over 20 yrs and am a XXXX. They did this to me last year too and harmed my credit. I thought with Covid card companies were supposed to help consumers? No other card company has done this just Citi.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/year>, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 52 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 52 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act the accounts listed below have violated my federally protected consumer rights to accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Bridgecrest Auto : acct XXXX The loan servicer XXXXBridgecrest has been and continues to report incorrect and conflicting balance and payment information to XXXX, XXXX and XXXX. This has caused severe adverse action to my credit file when attempting to apply for neccessary credit accounts. I have disputed this information with the credit agencies as well as the loan servicers directly in XX/XX/XXXX as well as XX/XX/XXXX. Since XXXX XXXXBridgecrest has violated my consumer rights under credit law 15 USC 1681.