23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX Dear Manager at Billing Inquiries for Synchrony for Care Credit Card, I am writing in response to the recent payment dispute you closed in favor of the provider, XXXX XXXX XXXX  On XX/XX/XXXX, you stated in the letter that you were closing my dispute and had released the disputed amount to the provider for a service that I canceled and never rendered. I would appreciate it if you could review the contents of this letter and the attached so that you can reconsider your decision and re-open the dispute. 

There are two problems with this dispute. I was not treated fairly or ethically. On XX/XX/XXXX XXXX, an office manager at XXXX XXXX XXXXXXXX, talked me into getting a XXXX XXXX XXXX XXXX XXXXXXXX that someone had canceled at the last minute. The canceled appointment was for the next day at XXXX. I felt pressured to fill in the canceled appointment when XXXX said I needed the procedure, and when I didnt have my credit card with me, she was willing to take the payment over the phone after I went home. 

When I did find my card, I asked her to find out if I would qualify for the surgery amount. Notably, I did NOT authorize her to charge my card. In any case, I canceled the appointment that night via text message ( see attached ) and later confirmed the cancellation with XXXX on the phone before the clinic even opened. It was at this time that I was, for the very first time, informed that I would need to pay a cancellation fee for costs already incurred. At no point previously did XXXX inform me of any penalty fees that would apply in the case of canceling an appointment under the current circumstances, i.e. an unfilled appointment that was booked and canceled at the last minute by another guest. 

It doesnt seem appropriate that this cancellation policy and penalty fee, particularly one as substantial and consequential as {$6000.00}, was disclosed not when the appointment was booked, but when it was too late to avoid incurring the cost. Regardless, I, as a consumer, was not given the right to cancel or withdraw from the agreement. 

This is not how XXXX XXXX XXXX wishes to conduct business with valued customers as I have been with them since XXXX and have never encountered such a lack of transparency. I would welcome the opportunity to discuss matters further to come to a resolution for a full refund. 

Thank you for your attention. 

Sincerely. 


XXXX XXXX
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 15 USC 1681. 

Florida Department of Revenue / Child Support Enforcement : # XXXX, XXXX XXXX XXXX : # XXXX & XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas Attorney Generals Office : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Department of Education XXXX # XXXX Have all violated my rights. 

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

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

Recently, I received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and overall life.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$3600.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$3600.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3600.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Chase Bank Account # XXXX and FCRA Violations Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXXXXXX regarding Chase Bank account XXXX XXXX, which has been included in my consumer report. 

On XX/XX/year>, I submitted a letter to XXXX XXXX XXXX, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from XXXX XXXX XXXX stating that I had previously disputed this record under XXXX  Case # XXXX on XX/XX/year>, and XX/XX/year>, and that the dispute had been forwarded to XXXX XXXX XXXX for reinvestigation. According to your response, XXXX XXXX XXXX notified me of the results of this reinvestigation on XX/XX/year>. 

I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how XXXX XXXX XXXX  determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 

Furthermore, I sent a letter directly to XXXX XXXX XXXX on XX/XX/year>, requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 

To clarify, if XXXX XXXX XXXX  and XXXX XXXX XXXX do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 

Violations of the FCRA : Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. XXXX XXXX XXXX allowed negative information to be reported without providing this validation. 

Failure to Validate Debt : XXXX XXXX XXXX failed to provide the requested debt validation, which is required under federal law. 

Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 

Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Hello. I provided a copy of all requested documents. They called my bank to verify my bank statements. However the are still requiring a bank statement. They ask for a bank statement or a voided check. I don't use checks so I sent in a bank statement from my credit union. The credit union only places the account number on the statements and not the actual draft account number or checking account number. Upgrade called the credit union and verified all the information while i was on the phone. After the successful verification of account number, name, birthday, last two deposits upgrade still asked for a bank statement from me after they ended the call with the credit union. This problem started after I uploaded a copy of my drivers license. I believe I am being discriminated against do to my race. They ask for a selfie, drivers license, social security card, bank statement or voided check and the give the option to link your bank account, which i did link. However, they are still requesting a bank statement. I ask to speak with a supervisor and the representative put me on hold for 10 minutes, came back on the line to check to see if i was still holding then put me back on hold for over 30 minutes. He finally came back on saying he was mistaking and was able to submit my application for approval. He asked if i still wanted to speak with a supervisor and I declined. However, I continue to file this compliant because of my bad experience with customer service.
Product: Debt collection

Each of the reasons listed above have occurred on multiple occasions. Vial, nasty curse words have been directed to me. I have been cursed out at work, threatened and harassed on multiple occasions. Additionally, I was not served by a " process server '' notifying me of a court date and a judgement was entered against me. Documentation presented to the court indicates I " was '' served but during the time indicated on the service notification I was out of town.
Product: Credit reporting or other personal consumer reports

XX/XX/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 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 In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 reporting or other personal consumer reports

I kindly request the removal of these inquiries from my credit report, as they are negatively impacting my loan applications and ability to obtain credit. Additionally, please provide any documentation you may have regarding the removal of these inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX Advisa Mortgage and XXXX XXXX of Texas put me in a home that they knew that my income could't cover for the VA Mortgage and home expenses and bills. Advisa Mortgage and XXXX XXXX XXXX knew that my income was not insufficient to pay Va Mortgage and home expenses and bills. As I am Divorced and living alone in my new home and been XXXX XXXX and not receiving Social Security XXXX benefits. I provide to lender my XXXX XXXX XXXX letter and paystubs in which Federal Taxes was n't been debited from XX/XX/XXXX. Lender and Builder fail to disclose VA Administration my correct XXXX Lifetime Pension income with Federal Taxes not been debited.I owed the IRS {$9100.00} and have payment arrangement of {$120.00} a month for tax debt years XX/XX/XXXX. A Emergency VA Loan Modification should be implemented immediately so I can have a affordable mortgage payments. A comfortable and less strained VA Mortgage monthly payments of {$900.00} to {$1100.00} with property taxes and home insurance will ease my financial hardship and struggles.
Lenders can implement Grants to cover for any loss and pay for all lost dividends for investors. Can First Continental and XXXX XXXX implement a Grant to give me a Grant Certificate to pay for my property taxes and keep my VA Mortgage affordable for 30 years? My close of escrow was on XX/XX/XXXX. I am XXXX XXXX and Retired .I am Divorced and live alone in my home.I do n't Receive Social Security Benefits.
Product: Debt collection

While reviewing my credit report a few months ago, I noted an inaccurate report from Enhanced Recovery Corporation account # XXXX with original creditor XXXX. I contacted the creditor by phone and informed them that I have never opened an account with reported creditor on XX/XX/2014. They asked me to send them a dispute letter in writing and I did. Up until today, I have not received a response from them and the account is still showing in my report negatively. can you please help investigate this issue. Thanks
Product: Mortgage

I engaged Better.com to complete a refinance on my home after doing significant research into mortgage companies online. I was sold on their marketing, and was excited for a new, " better '' mortgage experience. I found the online portal to be fast, easy, and user-friendly, but the results to be far from that. 

They offered me a {$100.00} gift card and never even had leadership call me back despite their obtaining an application under false pretenses. 

After 20+ hours of my own work, paying {$550.00} for an appraisal, letting an appraiser into my home during a pandemic, hard credit checks, and getting all the way to underwriting and title review did they realize the issue, that I was never eligible for the loan based on the agreed upon parameters. 

XXXX, a manager at better.com, confirmed on two separate calls that some sort of " foul play '' took place. I have stopped trying to assume what that was or why ... 


History : XXXX received a call back from XXXX ( confirmed better mortgage ), the representative said they could subordinate my HELOC without buying down the HELOC to get to 80 % CLTV. He said I was pre-approved ( despite my asking multiple times about CLTV ). We went around and around for 19 minutes, and he convinced me to apply. 

XXXX XXXX received an email from XXXX XXXX saying I was pre-approved That afternoon, I spoke with XXXX ( who wouldnt speak to loan terms as he wasnt licensed ). 

I also spoke with XXXX again, XXXX where he confirmed we could subordinate the HELOC Since XXXX, Ive had communication with : XXXX XXXX XXXX XXXX ( never called me back ) XXXX ( last name? ) XXXX ( multiple times ) XXXX ( multiple times ) I was never eligible for the loan based on the agreed upon parameters, and I would need to come up with over $ XXXX due to Better.com 's mistake ( even though we had discussed this exact scenario during the initial calls ). 

I have tried to reach out to leadership via multiple means and have even had a better.com employee refuse to forward emails to leadership. For now, my complaint is apparently going nowhere but the Consumer Fraud Protection Bureau as they haven't gotten back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX wasnt in my contact the amount
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX  XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used Coinbase.com on XX/XX/18 to change {$300.00} USD to Bitcoin for payment to an individual. Coinbase.com had me set up an ACH from my checking account to fund the initial deposit because their service could not use my Debit Card information to that account. Once done, the funds were available to exchange to the digital Bitcoin currency, but I could not use the currency to make the payment I intended to use it for. I contacted their service dept. and they said that the funds needed to clear my account the ACH was drawn upon. Ok, this I could understand. The funds cleared my bank on XX/XX/18. On the XXXX, my Bitcoin was still not available for use as payment, and I followed up with Coinbase.com service dept., they again told me the ACH needed to clear. When I told them that it had already cleared, I was emailed that there was a hold on my account that was abnormally long and that they would need to get back to me. That they could take another 4-5 days to get back to me if not longer. As I wait, the market fluctuations in Bitcoin dwindles the value of my holdings of which I have no control over ... I was charged fees to do the transaction, and now my funds are being held with no explanation other than it needs time to clear. While the amount of the transaction is small comparatively to maybe others ... how many " other '' people is this happening to? Especially when fees are involved. I was trying to use Bitcoin as a faster method of payment, now it has been a week, and I am still unable to use the now reduced funds ( due to market fluctuation ) to the intended recipient.
Product: Debt collection

I took a credit card for furniture ( in store card ) in XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The Bureaus Investment Group. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!
Product: Debt collection

For months, well before XX/XX/XXXX, I have been receiving multiple, harassing phone calls from a debt collector named Debt Recovery Solutions. For a while this company was calling several times a day, rudely demanding for a " XXXX '' to speak to, leaving long voicemail messages with loud background noises. As I believe the debt in question is over 7 years old & no longer valid. However i have seen several companies re-open a dept before it hits that 7 year mark. After months of my phone constantly going off, I sent a Certified First Class letter to DRS asking them to provide validation of the debt. The letter was mailed XX/XX/XXXX in XXXX, Texas to DRS 's address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The letter was delivered XX/XX/XXXX. XXXX XXXX # XXXX I waited for the required 30 days for the response from DRS. However none was ever received from DRS. My understanding at this point is that the company could not verify the debt & dropped the case. In this letter & I told them to cease the all phone calls & voicemails. This did happen for a time, it started happening again after about a week after the 30 day response time ended. I continued to ignore these calls as I do not have the time to answer multiple calls from a company that is harassing me. 

I also checked my credit report to notice that DRS opened up the same debt amount under another time frame to keep the debt on my credit report. This is not the first time I have seen this happen from this company or several other companies that claim debts. 

The harassment from DRS has started again in the middle of XXXX. Since then, I have been trying to get to the bottom of this harassment & I have begun to answer a few calls to see if it is DRS. Since doing so, I have been told that Im stupid & a hog. Both of which I'm not & am considering their name calling a verbal assault. 

Then today XX/XX/XXXX XXXX I got a phone call from XXXX & say hello twice. Then the phone rings several times & am i transferred to a women who answers " Debt Recovery Solutions ''.

I want to formally submit a complaint of harassment for Debt Recovery Solutions. As they have repeatedly ignored me asking them to cease & desist their phone calls & verbally assaulting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS
Product: Mortgage

I have a loan under United Wholesale Mortgage, my loan is a XXXX XXXX Loan and I have used 6 months of the 12 months under the Cares Act. The problem I have is I have called to extend my forbearance and they keep telling me they put in the request and I should be good but then nothing happens. I have been calling since XXXX to get everything worked out. The only thing anyone tells me is they will be putting in a request, they don't call anyone else or try actually solving the problem. I was able to get one month added but only after being on the phone for over 20 hours ' worth of phone calls. They gave me one month and I called in again in XXXX to extend for another 6 months per their policy. They keep doing the same thing, no one is handling my account at all. We found last time that the system was just Auto closing my tickets and the if they only put a request in the system it will just keep closing it. I also get a different story each time and told I have to wait. Its been over 30 days and no one is actually trying to help, the normal time as I understand is 7-10 days. They are simply saying they are putting a request in and then nothing happens. Under the Cares act I'm allowed 12 months of forbearance I've used 6 and they do not need to be consecutive. I have spent another 20 hours on the phone since XXXX to try to resolve this and no one is doing more than just submitting a service ticket in their system. There is something wrong with their system, or they are simply not processing these requests. Both are wrong. It seems like they do not have any standard practices in place for these issues and because representatives give different answers and assurances each time, it hard to believe they are actually doing anything or care too. One even told me I have a forbearance when I don't. I have been told they would call me back and they don't, I have been left on endless holds ... It just keeps going on. What no one has done is actually call or talk to anyone in the loss department or anyone that can actually help. They will only put in a service ticket and those service tickets don't go anywhere. 

Overall, it seems to me under the Cares Act that I do qualify for this forbearance and that UWM should be taking care of this as part of their responsibility under the cares act and they are neglecting to do so weather intentionally or out of incompetence. 

I need help trying to get this resolved as all my attempt to try to resolve it with UWM have resulted in the person putting ins request and no one actually taking care of the issue.