23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A claim was filed with the insurance company in XX/XX/XXXX to replace the roof on the home. The adjuster provided payment to the mortgage company in XX/XX/XXXX. As of XX/XX/XXXX the mortgage company refuses to provide to the contractor in order to make the approved repairs. The mortgage company has deposited the funds, collecting interest on the funds, and risking further damage to the home by not releasing adequate funds for repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on a debt I do not owe. I was forced to return this vehicle due to not qualifying for financing. I took that back and they didn't give me back the car I had originally had traded in. This should have been adjusted as I do not owe this debt and it never a repossession. They are in violation of reporting incorrect information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a credit report alert for the first time through TransUnion notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in my report.
Product: Mortgage

I am a XXXX in Maryland. I listed a XXXX home from Carrington MORTGAGE services. I signed a form with Carrington REAL ESTATE services agreeing to pay 35 % referral fee. The listing agreement with Carrington MORTGAGE services had me paying a 1.5 % referral fee to Carrington PROPERTY services. The agreement also stated that the max referral fee would be 1.5 % I assumed I was only paying a 1.5 % referral fee to Carrington. I never noticed they were all different companies they all had the same logos. They never disclosed that they were all different. All you see on there forms is the Carrington logo then in small letters either MORTGAGE PROPERTY REAL ESTATE services depending on who your paying. I think this XXXX a RESPA violation. How many other Realtors work hard for there commission only to find out at the settlement Carrington and all there partnership are getting there money they worked hard for.
Product: Debt collection

I received notification of the debt at the end of XX/XX/XXXX. I emailed the attorneys as the notification demanded on XX/XX/XXXX requesting the explanation of the charges with documentation supporting the claim. I never received a response. The lawfirm sent another bill with claim codes blacked out. 
XX/XX/XXXX, I emailed again requesting the information for the bill and supporting documentation. I also called the law firm. I communicated in the email, I wished to settle the matter, but the charges did not add up and I needed the documentation. 
NO RESPONSE I emailed again on XX/XX/XXXX, requested the explanation of the charges. NO RESPONSE On XX/XX/XXXX, I received a motion for default judgement with the statement I have never contacted the lawfirm, even though I have the electronic proof. 
I called the office to have them explain. They stated they would send the required information to me. 
XX/XX/XXXX Motion for default judgement filed anyway, despite reporting complete lies.
Product: Student loan

I sent Sallie Mae a letter back in XX/XX/year> via XXXX, which they received on XXXX/2023. In this letter I requested for them to restore both my daughter and my Credit Reports as it was damaged tremendously due to several issues they created. 

FIrst, they claimed to have mailed late notices to my daughter on XXXX/2023 and to me on XX/XX/scrub>XXXX/2023. XXXX spoke with my daughter on XXXX2023 and mentioned that her current address wasn't in their system and that their system just underwent an upgrade from XXXX to XXXX XXXX, which may have resulted in discreprancies or errors in the process. But, my daughter also had a forwarding address too! 

Because neither I nor my daughter received these letters that they claimed to have mailed, I requested a copy of when it was mailed and Proof of Mailing, of which I still haven't received in over a year since my request. And, the timing of those letters would've made both credit reports over 60 days late! They clearly admitted that the letter was sent out on that date, how is it fair that none was mailed prior, such as after 30 days or even earlier, as to protect both Credit Reports?! 

Next, they called and left XXXX Robo Calls! But, none were answered because Sallie Mae Spoofed their calls with another phone number and each call said, " Potential Spam. '' If I'm not mistaken, Spoofed calls are Illegal via TCPA. If these calls came in from Sallie Mae, they would've been answered but they chose this option instead. 

Because of the failed requests for Proof of Mailings of both letters, the damage they caused to both our Credit Reports and the XXXX Spoofed Calls, I would like to request for you, CFPB to request a copy of their Proof of Mailings and to also remove the Negative info. along with removal of Sallie Mae from both our credit reports. I would like to inform them that we are in touch with an attorney to seek further assistance in regards to the XXXX Spoofed calls as they continue to make these Spoofed calls even though I told them it's a problem. I do believe each TCPA violation would be @ {$1500.00}, which would total {$48000.00}, plus attorney fees and other damages we plan to seek due to damaging both our credit reports which caused both of us so much harm. 
I would also like to know why didn't they reply to my letter which I can provide to you if you'd like and also why didn't they correct our credit reports as both reps from Sallie Mae said that since I made the payment they were requesting for past amounts, that the scores should go back to normal. I did not include the copy of the letter to them because it contained our names and address and read not to provide this at this time.
Product: Money transfer, virtual currency, or money service

I had to dispute a merchant transaction. They found it in my favor and claim the funds were posted back to my account. This is not true. I've gone through the transactions and it's never been posted. They have had multiple outages and I don't have any other way to get resolved. 
{$23.00} XX/XX/2023 XXXX
Product: Mortgage

The monthly payment for my mortgage suddenly increased dramatically ; making it impossible for me to keep making payments. The lender has not given me the chance to fix the default on my mortgage. It is like the bank rathers foreclose my home than pay my loan.
Product: Student loan

I filed for forbearance through American Education Services over two months ago due to financial difficulties in paying my loans. They have never ruled on whether or not I am due a forbearance, but they are continuing to state that my loans are overdue and that I am at risk for collections. When filing for forbearance, you are told that you will find out within a week whether or not you are eligible, and I am unable to pay for the loans. In not responding, AES is in breach of contract and I am considering seeking legal counsel due to their negligence to perform their stated duties.
Product: Credit reporting

Cant get my free annual credit report from Equifax online or by mail
Product: Debt collection

This medical bill is not valid as at the time of service I had full insurance that should be covered 100 % of this bill. I am not responsible for this account. The doctor 's office should have billed the insurance in a timely fashion and if they didn't do so then its not the patient responsibility.

1. Please send me proof that the insurance refused to pay this bill 2. I also need proof that this bill was billed within the timeframe stated by the insurance company.

3. I need a copy of all these documentation as I don't agree with this bill as its not my responsibility as I met the deductible at the time of service.

a. Written Authorization to collect this debt b. Evidence and proof of this alleged debt including a contract with customer signature c. Date of actual default and last payment to the original creditor d. Proof of validation letter sent to the client e. Notarized signature for a person authorized to collect and date f. Has any insurance claim been made by any creditor or assignee regarding this amount? 
g. A notarized statement that alleged debt was not utilized as a profit or loss deduction and was not claimed as a loss with any assignee of the creditor during the period it may be payable.

h. If this alleged debt is the results of an assignment please provide the contract and terms for this assignment and attached copies as proof thereof. 

Please send me a list of all the documents that were requested by the consumer advocate group mail directly to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Debt collection

Company could not provide account origination, advised account is unknown identity theft or name mix match from deceased relative as debtor accused doesnt have any debt in collection status
Product: Credit reporting or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account XXXX ) that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX XXXX XXXX XXXX XXXXXXXX ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Checking or savings account

I had a lot of transaction taken out by XXXX XXXX XXXXXXXX XXXX. I asked if they could help me get back at least some of the money I would appreciate it. They submitted every charge going back XXXX months. Said I qualified for provision funds but that takes XXXX business days. On day XXXX they denied my claim with no explanation. Customer service suggested I file a police report so I did and I appealed the decision and sent over police report as new information to help my case. They went XXXX working days and denied my case again with no reason. Chime claims to have no way to communicate to the investigation team who makes the decision but can only send an email and wait for a response. They sent me XXXX email with the list of transactions I disputed and nothing else. I learned a little about the merchant found out that inorder to use merchants site a profile must be created. Requires photo of ID and a selfie to verify new customers. I opened a new claim on this time I said I'll only XXXX for past XXXX day transactions be returned and I've accepted responsibility on my end by not noticing the issue sooner. So to be fair I just wanted past XXXX and not longer wanted every transaction. In addition I provided chime with the merchant profile verification information and requested they ask merchant to check the profile that used my card frdaulantly and see the selfie and they will see it was not me who is on any profile. I have now gone back to back months getting XXXX  days notice from my landlord and I'm just barely getting my rent paid. I need my money back please. Chime lies about the supplemental fund during the investigation. They violate the vis fraud prevention rules of XXXX days for suplementl money during investigation
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my coin base account was hacked for a second time. I tried all the measure needed by contacting coin base, resetting my account password and and waiting for a email. I try to reach out to coin base several times since this incident happen. I received a email stating that someone would reposed to me in 4 to 5 days ( twice ) and I have not received any email of any support team. The last email I received from them stated that this account was closed but no one had even contacted me to get this issue resolved completely. This has been going on for 32days an I am ready to discontinue my services with coin base but no one has even sent me a email or confirmation to get back into my account to do so. I do have shares on coin base worth 300 if not more at this time. This has been extremely frustrating and I would like to get this over with and use a reliable company.
Product: Credit reporting or other personal consumer reports

I have accounts opened in my name Discover Card {$2200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1100.00}
Product: Debt collection

I've never been late on these accounts, the creditors made an error with my address and sent the statement to the wrong address. They acknowledge their mistake and promised me they would remove the negativity and update the status of the accounts to paid/never late.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with 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  Balance {$480.00}, Balance updated, XX/XX/XXXX I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/XXXX To whom it may concern, Under FCRA Section 609, I am exercising my right to dispute the accounts listed below. I am also formally requesting that you prove these accounts belong to me by providing copies of the original signed contracts. Please make sure you send me contracts stating that I agreed to enter into financial agreements with the companies listed below. Otherwise, your bureau, the furnishers, nor I can prove these accounts belong to me. Please note I need full copies and all other information you have on file during this investigation. A simple template letter will not be sufficient. I am preparing a legal case and need full certified copies of everything you have on file for the accounts below. 

Bureau/Furnisher must provide, at a minimum, all of the following to prove their case : A. Copies of original signed contracts bearing my signature for each account listed below. 
B. All other information or evidence you have on file for the accounts listed below.

C. Names, employee numbers, mailing addresses, and phone numbers for each person involved in this investigation.

If you can not provide the above information, I request you immediately delete the accounts listed below from my consumer credit report and cease all collection activity. 

Please note, I am trying to resolve this matter as soon as possible. I am willing to stop any further requests if you can comply with my request. Also, note I have included identifying information as requested under the FCRA. Please do not send me an automated template letter requesting further verification. 

Account Information : Account # : XXXX ( XXXX XXXX Account # : XXXX ( XXXX ) Account # : XXXX ( Equifax ) Account XXXX : XXXX ( XXXX ) Account # XXXX XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # : XXXX XXXX XXXX ) Account # : XXXX ( Equifax ) Account # : XXXX ( XXXX XXXX Account # : XXXX ( XXXX ) Account # : XXXX ( Equifax ) Account # : XXXX ( XXXX ) Account # XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( Equifax ) Thank you for your prompt attention to this matter. 

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

The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to XXXX Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Collection : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} Inquiries : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
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 XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TX XXXX XX/XX/XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Credit card

the over limit balance of my account almost exceeds the credit card limit, due to the company adding a {$40.00} over limit fee EACH month! No one will ever pay the balance off or decrease within a timely manner. I requested the over limit fees to be reimbursed and was told NO. This is unacceptable business practices as the over limit fee shouldn't clearly exceed someones monthly minimum payment, therefore I am request for your organization to take a look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no liability with XXXX due to an asset amount of over XXXX XXXX with XXXX. My credit file should be empty. The last authorized inquiry was on XXXX-2017 with XXXX XXXX. A recent unauthorized inquiry was with XXXX on XXXX-2017 for a vehicle that was purchased with my business account information without my consent. Please investigate. Student loans have been advanced by XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Account was opened approx. XX/XX/year>. On XXXX XXXX, I had 3 failed attempts to transfer {$1000.00} in bitcoin to my " cold '' or personal wallet. ( XXXX price is volatile, so it's difficult to determine an exact 6-8 digit decimal of XXXX approximating the maximum allowable {$1000.00} daily transfer... and I went over that amount by a few cents 3 times. ) Since then I have tried repeatedly to request telephone support from the website, the app, and via email, also calling a listed tel no. I also engaged in a dozen or more live chats, and each time was referred back to the same loop and dead-end pages, with agents refusing to " discuss '' the matter further.