23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your compa ny Money Recovery Nationwide from 2013.. I am  requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your compa ny Money Recovery Nationwide. Ceas e any credit bureau reporting until this debt Is validated by me.
Product: Credit reporting

I am XXXX XXXX I have never lived on XXXX XXXX in ohio please my ex husband married someon that lived there it is not me. her name is XXXX XXXX
Product: Bank account or service

Synchrony Bank is not sending XXXX closed XXXX account moneys to Trustee of a deceased account owner. Bank told me, the Trustee, that the forms would first be sent via mail. When nothing was received I was told by the supervisor that they would be XXXX to me. 5 days later I called and they told me an account number was written incorrectly therefore the bank could not send the forms, nor was I notified by them. I was assured during that conversation by the Supervisor of the supervisors that the forms would be send XXXX and this time would have a return XXXX envelope to expedite the return from me. Today is the XXXX day and I have received nothing. I have a call in to them but there has been no return call. This bank is very untrustworthy and misleading I am now having to contact legal help to get this resolved.
Product: Money transfer, virtual currency, or money service

I have been trying for 16 days to get access to money paid to me through PayPal ( PP ). PP is not doing live customer service. I have asked to talk to a supervisor and was told it would be " a long time before a supervisor would be in contact '' with me. The only way to get assistance is through messaging. I receive a message, usually once a day, coming in sometime in the afternoon. Each time it is a different person. It appears that none of them read the thread as I get conflicting instructions and information, each time. I am not able to access my money without linking my bank, but the system rejects me when I get to ( what I think ) is the last step of linking, which is adding my phone number. I have added my phone number into my account so why it is not able to access it or accept it is beyond me. Samples of advice I have been given : " After reviewing and validating your account, our system is not allowing this bank to be added on your account. Our system runs security check considering a variety of factors. For the meantime, please consider linking a different bank or perhaps you may try to link a card that you can use to withdraw your money. '' I bank with the largest bank in the U.S., so this is absurd. I am given instructions that ignore my statements about the error I receive. If it a complete joke. I am not able to transfer my money, nor get a check sent to me.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to inform me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date, XX/XX/year>. Since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX.
Product: Mortgage

I applied for home loan with Bank of America again. My current home was finance by them, and I paid it off with ten years a thirty year montage. I applied was preapproved and told about the discount for XXXX  and me being a good consumer. Application # XXXX. Several week later I had to submit document, and told I had to pay for appraisal and credit report. I submitted the payment via debit card. I ask Mr. XXXX XXXX XXXX XXXX why so early, and have my credit report which is free for BOA clients. Several weeks later I was phoned that my loan was denied, and I will get results in mail. I received the letter from BOA that unable to verify income. My paycheck has been submitted to my checking account since 2008 with BOA. I did closed on the property and had to repay for a new appraisal fee. I ask several times about refunding the fee, and no response. The new mortgage company could not use their appraisal, which was never done, because house was not build. I never received a appraisal report. I have been a loyal customer since 2008, but They are no longer have me as consumer. I want to resolve this issue by mailing my appraisal fee back to my new address. I had very good experience with Bank of America, but after this incident they have lost me as a customer. Everyone says BOA has poor underwriter for home loans and they need to terminate all their underwriters. I am closing all my account with them and going with another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send in my dispute to Transunion and there response was that they cant Identify my me with the information I provided this just another one of there stall tactics I send in my correct information same as all ways and it was never a problem verifying it before I that I am ready to file a law suit because of the way Transunion is unfairly treating me you can check the infomation I send in the necessary information required to proof that I'm the XXXX XXXX I I have a complete Identity theft package. My consumer rights are being violated under fcra.
Product: Debt collection

I received a notice from William C. Grossman Law, PLLC today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.
Product: Credit card or prepaid card

I have put in my contact information to a group of attorneys that were going to consolidate my debt on my behalf. He failed to make payments to my bank in which the bank, then close my account. Without notice, I was going to wear of the account being close therefore I made a payment for {$3000.00} which I can add you to the card later on when the card was declined I called my phone and that's the informed me that they closed my account. I've been asked for my {$3000.00} back in which they sent me a check for only 2000 is now been over two months that I continue to call them and ask for the remaining {$1000.00} they keep telling you that she has the OK or they will mail it and I have yet to see any funds. I just called again this morning and apparently there is no record of the XXXX XXXX  being sent or any note in my account saying that they were going to send it now have escalated the case again and told me it would take at least a week before an investigator will be in contact with me. It is over two months and I am just asking for my XXXX XXXX back because they didn't inform me that my account was closed. I never would've put {$3000.00} down. How do I have known that they close it? I understand it is my fault for trusting that consolidators to do their job, but the moment that I fired the attorneys that were supposed to be consolidating and settling my dad on my behalf, I am mediately went and paid {$3000.00} on the account to try to Get back into good standing not realizing that I was too late and my account was already closed. I received {$2000.00} check at the end of XXXX, I have called over a dozen times on this, and I have record of everything as of this morning, I was informed that there is no indication of a check being sent out and they would escalate my case which is exactly what they did two months ago that allowed me to get my first {$2000.00} back. I don't know what else to do here, but I am extremely overwhelmed and this is an urgent matter now I absolutely need this money ASAP. In order to live. I have emphasize all of this to thanks for your addition and customer service could care less
Product: Credit card or prepaid card

To my dismay, on XX/XX/2019, through a declined purchase and later a follow up phone call I have found out that my accounts with Barclays bank have been closed. I would have appreciated the bank making me aware of their actions so I could have planned around this. As a loyal customer, who has paid their bills with the bank 100 % of the time, on time, and who manages their accounts judiciously I find this extremely unwarranted. I have called in and explained my position and the representatives are rude and callous and offer zero customer service in rectifying the situation. Not only will they not reconsider reopening my accounts as hoped, the rewards, miles/cash back that I have earned on my accounts they are unwilling to release back to me. Not a happy customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute about the balance, I am requesting the full accounting and statement of accounts according to UCC 9-210. Also, I need a copy of the retail installment contract that bear my signature.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payments for XXXX Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX account. Despite previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate.

Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement.

TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID.

Copy of my Social Security card. 
A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/year> and XX/XX/year>. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of item that is UNKNOWN to me : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My mortgage company NationStar DBA Mr Cooper has been reporting the following late payments on my account and credit report since 2015 even though I have never paid late. 
30 Days Late : XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, & XXXX. 
XXXX 60 Days Late : XXXX This has affected my credit history, credit score, and credit limits with other lenders. When I asked the mortgage company what is going on they say they have taken my mortgage payment to purchase insurance even though I have purchased insurance already and provided the proof of insurance. I have always kept current with all payments and insurance. I have disputed this with the credit agencies and they say the lender has to correct the information. I have requested the lender correct the information several times verbally and in writing and nothing has been corrected. 
In addition to the late payment reporting errors, the lender is reporting incorrect monthly payment amount. My correct payment amount is {$1200.00}. The lender is reporting {$1500.00} as my monthly required payment. 

I have provided proof of payment and insurance to the mortgage company and credit agency and nothing has been corrected. The lender has not treated me fairly and has damaged my credit and reputation which I have worked so very hard to build. This is affecting my livelihood and ability to secure credit with other lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX 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 XXXXInquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$4500.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : These are inaccurate reporting of late payments. Please remove the inaccurate late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the below account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and September 2020 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. 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: Mortgage

My complaint is with CFPB. Today - I was told by the lender and the title company that I was not allowed to see the closing disclosure because it 's considered confidential on behalf of the buyer. I am the XXXX. I am the extra eyes that make sure all the fees are correctly reflected. Why is it that CFPB is showing disrespect to XXXX who are interested in protecting their buyers? CFPB should have an authorization form for a buyer that ALLOWS XXXX to complete the process and check to make sure everything is as it should be. Minimizing the role of the realtor in the transaction is a huge oversight for a Buyer and any vendors who 's fees may innocently, and inadvertently left off the closing disclosure. How does that get rectified when THAT happens? I am very disappointed in CFPB reducing a XXXX role in the transaction. That is shameful! A Buyer does n't have a clue without the guidance of an experienced XXXX. Shame on CFPB for making settlement that much more difficult despite all your efforts to simplify.