23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Medical Data Systems today as there was a negative report that posted on my credit report on XX/XX/2018. It was found during my mortgage application process. The mortgage company gave me the contact information for the company and advised me what to ask for. I spoke to an initial agent who was very rude. She confirmed that the phone number that they were calling was my old home number which we do not use anymore. I advised her of that information. She then gave me my husbands cell phone number which I advised was a cell phone and that they didnt have permission to call. Before I could tell her that he had not received any calls, she stated " you received care in the emergency room so you need to pay your debt. '' I asked her the amount and was given {$64.00} and {$150.00}. I told her I would be happy to pay it as long as I got a letter stating what hospital it was, the amount, that it was paid in full and that they would remove it from my credit report. She then told me they don't do that and that I cant pay to clean up my credit.I advised her at that time she didnt have to be rude and that I wanted a supervisor or manager. She then told me that her supervisor would tell me the same thing. I said thats fine and I would be happy to pay, but I needed that letter. She then transferred me to a lady who identified herself as XXXX. She was aggressive from the time she got on the line. She repeated the same thing the other agent did. I then stated that since they would not help me obtain a letter on the debt and remove it from my credit report I would call XXXX Hospital directly. XXXX then told me that they were employees of XXXX Hospital and that they do not outsource their collections department. I knew that was false as I lived in GA and the company was in Florida. I let her know that I would be calling the hospital directly and ended the call. I called XXXX Hospital and spoke to a lady named XXXX. I explained to her what had happened and what I needed. She advised me that XXXX and the other lady I had spoken to were not employees of XXXX and that she would notify her manager of their rude behavior and false statement. XXXX provided me with a receipt and said I would also receive a detailed statement that the balance was {$0.00}. She also stated that they would contact the company to let them know to remove my information from their files and that the accounts were paid in full and that they should remove it from my credit reports. XXXX also advised me to dispute the item with the credit bureaus as well. This company should not be making false statements as to who they are and what company they work for.
Product: Credit reporting or other personal consumer reports

Ive disputed these accounts to XXXX, Transunion XXXX XXXX I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX {$90000.00} XXXX  XXXX {$1000.00} XXXX XXXX   XXXX {$850.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX$400.00}
Product: Credit reporting

I received notice from TransUnion yesterday by mail that there had been an unauthorized access to my credit file. When I called them, I learned that someone had requested my credit report on line and TransUnion released it to them. They only discovered it as a fraud when the credit card used to pay for the report was rejected by the card company. Ap- p- parently the report was released before payment was confirmed. Aside from offering to place a fraud alert on my account, TransUnion offers no other help in dealing with this problem. They would be willing to put a freeze on my credit report, if I will pay for it. My complaint is that they expose my information and then take no responsibility for the consequen- ces. I believe they should provide more support, at no cost to me.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX to unblock my credit because my score is not showing up and they tell me I don't have enough information.
Product: Credit reporting or other personal consumer reports

Sold my info to a Third party debt collector which now they are saying I owe them which is against the law CODE 15 USC 1681 ( VALIDATION OF DEBT )
Product: Debt collection

XXXX XXXXnsurance company was supposed to give a at home order refund per the insurance commissioner. For XX/XX/2020 to XX/XX/2020. They never gave me my credit and when I left the company they stated I owed them. They actually owe me a balance for refund under governments order to stay at home for covid.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIERES XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Mortgage

Attached are the correspondence and documents in dispute with this Lender/Broker. 
All fees paid for the initiation of the loan were applied to " fees and downpayment '', but nothing officially was applied to the loan. 
The Loan Principal Payment started XX/XX/XXXX with the Principal Balance the same as the asking price. 
XXXX, On XX/XX/XXXX I was charged an additional {$1500.00} for a signature of authorization to XXXX the lot as required to BUILD as primary residence for XXXX of XXXX Tx zoning. Due to undisclosed easements the Surveyed and Replated lot was reduced to XXXX sq ft and not the advertised and sold XXXX sq ft as XXXX side by side lots. 
XXXX. XXXX $ was agreed down payment for the {$1500.00} charge for a remaining balance of {$750.00} that has been described as " servicing fee ''. Please provide the TOTAL sums paid for this fee XXXX. All Unapplied payments have been requested in writing to be applied to Principal Only, however the Lender/Broker holds these funds until they feel like applying it to principal or have assessed more fees to take the overpayment. 
XXXX. On, XX/XX/XXXX the Lender/Broker Stated they returned a fully paid installment citing it was not full payment, but then used over XXXX in unapplied " to make the month due payment '' Also stated that I did not make monthly payments at times which i disputed. Found missing payment, explained as returned. XXXX XXXX to the XXXX, had this payment never been returned current status would be XXXX paid in advance. 
XXXX. The explanation of this does not even make sense as I was told that the payment covered XX/XX/XXXX new payment, but according to the documentation given it shows that payment was applied to XX/XX/XXXX, which was in fact also paid as an installment, with additional weekly payments. And if the payments made weekly ( unapplied ) then in fact was not XXXX paid ACCURATELY? But then returned without cause its unapplied payment ( XXXX ) clearly would have made up any difference. 
XXXX. As you can clearly see in the payment history, The XXXX was assessing fees after installment payments, and when you're holding excess payments in an unapplied account and then charging random fees to take the money. 
XXXX. To clarify, when XXXX went silent after my request of payment arrangement XX/XX/XXXX ( same date of last returned payment ) and given the history of the accounting ( as documented ) I paid XX/XX/XXXX, the total amount due, meaning the Notice dated XX/XX/XXXX, was not necessary or justified, but confirmed every suspicion of mine that this Lender/Broker is purposely manipulating default and late status. 
XXXX. I request an updated payment history showing all payments and itemized fees and payments to date.
Product: Money transfer, virtual currency, or money service

XXXX was used to commit fraud someone hacked my XXXX  and sent money I didnt confirm.
Product: Checking or savings account

I'm a loyal customer with Citibank for more than 7 years. The Citibank checking account was actually the first bank account I opened when I arrived in the US. A few years later, I started a saving account with them. 

On last Saturday ( XX/XX/2020 ), while I was trying to check my balance and logged into my account page via desktop. However, I could only see the balance but was not able to view the transactions. The webpage said " We've encountered an issue and are having a problem processing your request. '' This happened before because of the Citibank.com tech issues. Therefore, I did not really paid attention to that. However, when I checked the account from my mobile app, I found that both of my checking and saving accounts were close. Without any notice, my accounts were closed! I was totally shocked. It was pretty late already so I used the online chatting tool to get help. I was told that the online customer service does not have the authorization to view my case and I wad lead to a phone number. I called the number they gave me ( XXXX ) the next day ( XX/XX/2020 ). After a long time waiting to reached to a customer representative. The person told me that the Citibank had made the final decision of closing both of my accounts and I would not be able to receive any payments. When I asked for the reason he started repeating the scripts. I asked him if I could get my money back and when. He told me I would receive a letter in 30-60 days explaining the next steps after they reviewed my accounts. 

For seven years with them, except 3 times overdrawn, I never did anything risky ( the overdrawn have not happened for a long time and I paid them clearly soon after it happened ). This decision came from no where and was not reasonable. Having no access to my fund for 30-60 days will put my life in a very difficult situation, especially during this covid-19 pandemic time. When I pointed out the recklessness behind their decision, the customer service person told me he needed to hang up and that was it. I realized the phone call would not go further either, so I started to unlink all my service with this bank account. But it was still too late. I updated my direct deposit setting with my employer on XXXX, but I still missed the payment which should have came in on today ( XX/XX/2020 ). 

I double checked my emails and mails, but never found any notice from Citibank asking me for any information to keep my accounts or warning me for the risk of getting my accounts closed. With no access to my checking and saving balance and missing my new paycheck, my life could not go on right now. I think what they did to me was 100 % unfair and unreasonable.
Product: Credit card or prepaid card

On or about late XXXX of XXXX, Citi bank closed my 3 accounts without prior notice or without explanation. This was done just days after an unrelated 60 day delinquency appeared on my credit report and a third bank also closed my accounts. I believe these are related events, however I have no way of knowing as Citi will not disclose the reason for their actions. 
Under Regulation B for business and consumer accounts as well as FCRA rules governing consumer accounts, a notice of adverse action must be given that provides, among other things, either a statement of the specific reasons for the action taken or a disclosure of the applicants right to a statement of specific reasons and the name, address, and telephone number of the person or office from which this information can be obtained. 
Under the requirements, adverse action includes " A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditors accounts ''. I reached out to Citi as I was told I could contact them within 60 days of the letter ( which did not include a XXXX ) in regards to this matter, but was not provided with a reason. Given the fact that this action was taken only weeks after an unrelated account was reported as 60 days late to the three major credit bureaus, and another bank closed my accounts, I have always suspected that this was the reason for the adverse action. However, given the fact that I did not receive a notice of adverse action that was required, providing me with that information along with : - Notice that adverse action was taken based on information obtained from a consumer reporting agency - The consumers right to : Obtain a free copy of his or her consumer report from the consumer reporting agency providing the information if requested within 60 days and - To dispute the accuracy or completeness of any information in a consumer report furnished by the consumer reporting agency - The name, address, and telephone number of the consumer reporting agency that furnished the report to the person - A statement that the consumer reporting agency did not make the credit decision and is unable to provide to the consumer the specific reasons why the adverse action was taken - Credit score disclosures if the credit score was a factor in taking adverse action Since it's reasonable to assume based on both the timing of the unrelated account closure and the reporting of the 60 day delinquency by another creditor being within days of the account closures, this decision to close 3 separate accounts that were in good standing could have no other explanation besides information contained within my credit report. As such, appropriate notices under the law were required.

As a consumer, financial and credit literacy are extremely important. Getting to the bottom of the reason this decision was made is extremely important to me.
Product: Debt collection

I HAVE NEVER DONE BUSINESS WITH THEM NOR HAVE I SIGNED A HIPAA RELEASE OF INFORMATION FOR THEM TO OBTAIN MY MEDICAL INFORMATION. MY HIPAA RIGHTS HAVE BEEN VIOLATED
Product: Credit reporting, credit repair services, or other personal consumer reports

Hospital bills Repeated amount of XXXX $ and a creditcard that was paid over a year of XXXX $
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

Coinbase has wrongfully edited the name on my account to something inaccurate and offensive. I have contacted them multiple times, with valid identification, to change the name. They refuse to do it, and keep sending me in an endless circle of emails/auto-generated nonsense. 

My name was accurately reflected as of XX/XX/XXXX. I lost access to my account in early XX/XX/XXXX and I was forced to attempt to re-verify my account. This required 4-5 emails back and forth with them over a 2 weeks period XXXX. Upon successfully accessing my account, I found that they had changed my legal name on the account to the offensive and inaccurate name. I have now spent a few hours today attempting to get them to correct this, and they keep sending me endless circles. Fraudulent changing the name on a customer account is a pretty serious issue, and one that should lead to regulation of this trash company.
Product: Debt collection

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Product: Debt collection

ProCollect Inc is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. 

ProCollect Inc XXXX {$3900.00}
Product: Checking or savings account

Blocking XXXX from linking with my account. Please allow
Product: Checking or savings account

Using Zelle in my mobile banking app back in XXXX there was no warning to ensure you are sending funds to the correct person before sending a Zelle payment XXXX I sent money in error and XXXXXXXX XXXX  did nothing to reimburse my money. If there was a hard stop error before money sending this mistake could have been prevented.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says 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 refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of an account listed on my credit report, which was opened without my authorization and is the result of identity fraud. This account was fraudulently opened in my name, and I insist that it be deleted from my credit report immediately.
Product: Credit card or prepaid card

Today XX/XX/XXXX  when I checked my email I got a message saying a bank account was opened in my name yesterday XX/XX/XXXX  and I did not make this account.