23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX BANK : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX OF XXXX, has violated my rights.

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

15 USC 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 reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer has been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX  Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I was surprised by the multitude of inaccuracies I found. It was genuinely surprising to come across such errors. 

I urge you to thoroughly investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It's crucial that these inaccuracies are promptly rectified. Otherwise, I'm concerned that my applications for various services may be denied due to these discrepancies. I've already faced rejections from two sources. 

Please don't overlook my request for assistance. I urgently need your intervention to ensure that the mentioned accounts are accurately reported as being in good standing.
Product: Debt collection

I contacted the company and paid the debt in full but it did not show as paid in full
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy. In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PROBLEM As of XX/XX/XXXX Ive been trying for 2 weeks without success to get an updated pay-off quote for a 30-year mortgage Suntrust Mortgage ( balance {$14000.00} ). The problem is SunTrust is slow to update its own records about my paid flood hazard insurance ( XX/XX/XXXX-XX/XX/XXXX ). And despite having sent 2 copies of flood insurance policy & repeated contacts, I can not get any action from either customer service or insurance department @ Suntrust. If I call, I wait 10 minutes to get rep, get disconnected or get robo message that I dont have an account ; if I try to get on Suntrust chat I get frozen screen error message or log in [ XXXX ] get error message web site experiencing problems. 

HISTORY I have had continuous condo association-paid flood insurance through XXXX XXXX XXXX for duration of loan. Suntrust sent me XX/XX/XXXX notification letters : ( XX/XX/XXXX my flood insurance is expired, XX/XX/XXXX thanks for providing evidence of flood insurance, XX/XX/XXXX flood insurance is expired ). Since XX/XX/XXXX indicated no problem, I concluded that XX/XX/XXXX was a system erroralso a past problem. In interim Suntrust placed {$1000.00} in my account mortgage escrow to cover bank-issued XX/XX/XXXX- XX/XX/XXXX flood insurance. 

On XX/XX/XXXX my insurance agent emailed XX/XX/XXXX- XX/XX/XXXXcondo association flood policy to SunTrust & got confirmation receipt from same [ XXXX ]. SunTrust insurance advised me on XX/XX/XXXX that scan had not been received. On XX/XX/XXXX a 2nd copy of the flood policy was faxed directly from XXXX XXXX to SunTrust insurance dept ( 3-way phone call between l me, SunTrust Customer Service, XXXX, and XXXX XXXX ) again verified receipt. On XX/XX/XXXX customer service could not provide an updated account balance. Also on XX/XX/XXXX I emailed XXXX area mortgage loan officer XXXX XXXX who was unable to assist me other than to give me customer service phone # I already had. On XX/XX/XXXX my on-line account with SunTrust Mortgage shows escrow of {$1000.00}.
Product: Mortgage

XXXX XXXX XXXX XXXX service by Wells Fargo I applied for a modification in XX/XX/XXXX as my arm was to expire in XX/XX/XXXX. 
Ive been placed in a trial period since XXXX ; this was supposed to be for XXXX months no end in sight. My interest rate went from a XXXX to XXXX XXXX ; my account summary has in parenthesis until XX/XX/XXXX. Since Im not making full payment it goes into unapplied funds balance which makes me look delinquent ; does this impact my credit score?? 
How long can the company have me in limbo? 
This is in the best interest of who?? 
Page XXXX of XXXX of my statement says : The longer you wait, or the further you fall behind on your payments, the harder it will be to find a solution XXXX XXXX
Product: Vehicle loan or lease

I tried to contact Ally bank several times in 2018 and continued up until now regarding the fraudulent loan I was given with a washed title from the vehicle we purchased. The title goes directly to the bank when a vehicle is financed. Ally bank did not question the integrity of the title for the deal they were financing. CT attorney generals office contacted Ally and spoke to XXXX and XXXX in the president 's office explaining that the deal was fraudulent and that the title was washed. Ally refuses to do anything or go back to the original owner of the dealership to settle this. We've paid for a branded vehicle for 5 years and we've paid of most of the debt all while testing to negotiate with ally to rectify the situation. Ally did nothing and they knew that that deal was fraudulent. The dealer processed all the paperwork on ally behalf. If this is not resolved we will seek legal.action for a full refund of the vehicle price.
Product: Checking or savings account

On XX/XX/XXXX I made a purchase online at XXXX XXXX XXXX for XXXX that same day the purchase was reallocated into two orders one for XXXX and the other for XXXX that equals XXXX the two separate charges has cleared but the original charge for XXXX hasnt been returned as a credit to my account. Why are my funds being held and why Im I being charged double when I make online purchases. I believe that Im being discriminated against because Ive been a customer since XXXX and never had any outstanding fees against my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to the ER with XXXX XXXX  and XXXX XXXX XXXX  Upon being admitted to the ER I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later negative. The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the ER during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), XXXX bill for the radiologist XXXX, XXXX, and XXXX ( credit management ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$120.00} against an available balance of {$3.00}. The bank subsequently presented another " RETRY PYMT '' in the amount of {$18.00}. As a result of this activity, my account which previously had a positive balance of {$3.00} was negative {$68.00} in bank fees. The items presented were NOT paid and returned.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681section 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 or other personal consumer reports

The Bankruptcy reporting on my TRANSUNION credit report is fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Debt collection

i've visited XXXX XXXX XXXX on XX/XX/XXXX. They created online account for me called patient portal, where i was able to log in and see all of my information. i also had medical insurance and after my medical insurance coverage i did recive email that i have new balance due on XX/XX/XXXX. i paid my balance online on my account on patient portal on XX/XX/XXXX. few months later ive recived phone call from collection agancy that i own money to XXXX XXXX XXXX. after phone call i tried to log in to my account with XXXX XXXX XXXX to check is that true and i wasnt able to. i called XXXX XXXX XXXX ( phone number : XXXX ) after that on XX/XX/XXXX and they told me that they dont have any information about payments or bills or my account because they changed the system they use. they dont use old system anymore, that they used few months ago, so thats the reason why i can not access my patient portal account either. they gave me phone number of their accountant ( XXXX ) which i called few times and they never answer. i tried to call XXXX XXXX XXXX again to try access my bills with them and try to make a payment with them if i own anything and they never picked up. i am still not able to log in in my patient portal. but on my credit report it showed up on XX/XX/XXXX collection account by radius global soulutions that i own XXXX XXXX XXXX {$70.00}.
Product: Checking or savings account

On XX/XX/2023 I made a purchase on line bestbuy for {$1300.00} on XX/XX/2023 I cancelled my order online on XX/XX/2023 I filled a dispute with my bank on XX/XX/2023 bestbuy refunded my account on XX/XX/2023 for {$1300.00} and on XX/XX/2023 Citi bank had a credit adjustment for {$1300.00} on XX/XX/2023 Citi bank withdraw {$1300.00} back to bestbuy cause they said I received two deposits of {$1300.00} XX/XX/2023 refund of {$1300.00} XX/XX/2023 adjustment of {$1300.00} Total deposit {$2600.00} on XX/XX/2023 Citi bank withdraw {$1300.00} back to best so I should have had a balance of {$1300.00} Citi bank now says my account is overdrawn $ XXXX because Citi bank says I received two deposits of {$1300.00} one deposit from my bank and the other deposit {$1300.00} from bestbuy Citi bank them withdraw {$1300.00} back to bestbuy wich should have left me with a balance of {$1300.00} how did it put me at a negative balance of $ XXXX on my account bestbuy with draw my account twice for {$1300.00} bestbuy charged my account twice for total {$2600.00} they took back my refund of {$1300.00} on the XX/XX/2023 and on XX/XX/2023 they withdraw {$1300.00} wheres my purchase refund of {$1300.00} how did I end up with a negative balance of $ XXXX on my account Im missing my purchase refund of {$1300.00} and the amount of $ XXXX thats overdrawn on my account my total balance available should be {$2100.00} should be my available balance I should have {$2100.00} available instead Im overdrawn $ XXXX thats not correct. Thats a complete error of transactions
Product: Vehicle loan or lease

I applied for a loan through America First Credit Union. I applied for a {$10000.00} 3-5 % apr 60 month loan. I was called and said that I was approved but they had only one stipulation ... the loan would only cover 100 % of what the car is valued at. I found a car that was {$10000.00} ( and checked the value on XXXX XXXX XXXX and it was valued at {$10000.00}. ) When i called the loan officer ( named XXXX XXXX XXXX he said he will try and get it approved but wasnt sure because they decided the value was {$10000.00}. A few hours later, I received a phone call from XXXX saying that the loan was fully approved but with one other condition. The condition was that I needed to bring the car into any of their branches for an inspection. I called the seller and she graciously agreed to meet me with the car and we can do the transaction at the bank. When we got there, I was told I was only approved for the {$10000.00}. I called XXXX up again and he again told me that I was approved for the full {$10000.00} and that I am good to sign. But when shown the screen, it said denied. Then with lack of professionalism, the loan officer ( XXXX from XXXX branch ) walked over to my seller and told her that they wont approve the loan unless she lowered the price, ( which was humiliating and disrespectful of him to do that without my permission ). After she agreed to do it, then I was told I was approved for a 14 % interest rate for only 36 months ( which was never mentioned to me until then ... considering I applied for a 3-5 % rate for 60 months ). And then he decided to not approve the {$10000.00} and pulled out the amount {$9800.00} out of nowhere after a few minutes of arguing with him ( still have no idea where he got that number from or why he decided to change the amount ). Then he proceeded to push my seller into that and me into signing that deal. I was lied to from the beginning until the moment I was about to sign. This behavior from this company is unacceptable and I am reporting it in hopes that it doesnt happen to another customer.
Product: Checking or savings account

I was needing to close my business account because I was no longer going to be a partner nor do the business so I spoke to a banker XXXX XXXX sometime in XX/XX/XXXX on what steps I needed to take to close or take my name and info off account. I was told we would both have to come in and bring documentation showing i was no longer continuing the partnership or business and that it would need to be notarized which I was able to do and came in with my business partner XXXX XXXX on XX/XX/XXXX and gave banker copies he requested in order to close business account altogether while doing so the banker asked if I had anything pending I said no just XXXX XXXX monthly fee of {$39.00} which I had made several calls around late XXXX XXXXinforming merchant XXXX XXXX of cancelling services and to stop any more deductions by XX/XX/XXXX which they continued to do and I let banker with chase know on XX/XX/XXXX that it was possible that XXXX XXXX may still try to deduct the fee of {$39.00} which I was told by banker that I could put a stop payment which I did. Well here I am still having issues and now the account is over drawn by XXXX which I XXXX XXXX did not make any charges after XX/XX/XXXX. I do not think that is right being a customer with chase bank for many years. I was told till the account was in a positive and not negative I could close. I am very upset because i did not accure any of those charges and i did what I needed on XX/XX/XXXX to take those steps and I have my copy of receipt that account would be closed.
Product: Money transfer, virtual currency, or money service

I have been contacting coinbase support now for a long period about 3 to 4 weeks now concerning my account TEMPORARY DISABLED. 

i got a reply from support few days ago to secure my account and email back which i did i secure my account and have been trying to get it activated cause i have about {$1900.00} worth bitcoin for certain trades but i cant get in my account cause its disabled temporary. 

CASE NUMBER - # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 NEGATIVE ACCOUNTS XXXX -US DEPT ED XXXX -DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled XXXX Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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 an account without my written instructions. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  lists my paid in full account as a settlement. Balance of {$1300.00} was paid in full on XX/XX/2019 ( confirmation # XXXX ). Company refuses to validate or correct status on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX XXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX {$43000.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the companies associated with these accounts, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Ok so this morning i was set to receive two deposits one is from my job and the other is my tax refund. I call the customer service line to the line just to ringing with no answer or to be disconnected. I have bills due on every pay that i can not pay and incur late fees due to my funds not Being available like they are supposed to be. Its starting become a major headache wit navy Federal. They arent giving their members a head up or nothing out the outage. And keep replying with a scripted reply. These incidents are happening quite to often and Im sick of it now