23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Health Ctr. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Mortgage

My name is XXXX XXXX ... Loan # XXXX ... on opening my site and checking my LTV I am at 78 percent as per YOURSELVES.. and that is because I have been paying additional amounts to my principal amount ... A paragraph below you say that when I reach 78 % which will be XX/XX/XXXX my PMI will automatically drop off ... How come if I am there already. WHY then do I have to pay {$35.00} per month until XX/XX/XXXX. Then I call and leave a message and XXXX XXXX calls and left a message saying I could get it removed if I pay {$490.00} for an appraisal of my home, thats a joke. you should do the math.. I think I need to wk for you as this will cost me more money than paying {$35.00} for next 6 months ... I did n't know you were that desperate for {$210.00} ... My home was bought for {$84000.00} and I have put siding on it, done landscaping and put a Gazebo in ... so it is worth much more, but lets just leave it at your figures ... .. I do n't like to be ripped off ... ..and I am rather upset ... I pay my money on time and have done business with you more than once and recommended people to you, this is not acceptable ... Please forward this to whom ever ... XXXX XXXX.
Product: Debt collection

Related Case number : XXXX Related Case Number : XXXX I recently contacted the original creditor to re-investigate the error from XXXX requesting an unpaid balance. Upon further investigation the original creditor found a mistake on their end and apologized for the mistake and inconvenience they caused me for that past four years. XXXX emailed IQ Data and myself the correct balance owed, which is {$18.00}. I have attached the updated and correct ledger showing the correct balance due of {$18.00}. IQ Data please mail a Letter showing the previous balance as incorrect and stating the correct updated balanced due. In addition, please add to the letter that the account is Paid and Closed and please delete this Mistaken account from my credit report as XXXX made the mistake and is at fault. But I 'm glad the issue has been resolved. Thanks ...
Product: Checking or savings account

I am a soldier in the United states XXXX and was XXXX. While XXXX got XXXX snd was sent back to recover.. upon returning I realized my XXXX XXXX XXXX  and chime cards wee missing. I dont remember if I took them with me on XXXX or not but while XXXX we used a different card called an XXXX XXXXXXXX XXXX which can not be used for fraudulent activities because it doesn't have any card numbers on it. Our money gets loaded on the cars. I contacted XXXX XXXX and filed a claim and so contacted chime to file a claim. They did the investigation and said they couldn't find fraudulent activity. Yet the amount of money I lost was a huge amount of money that I need to be replaced. I am highly disappointed in chime ans XXXX XXXX  as I have been with them for a long time. I expect them to do better.
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. 


Account Name XXXX XXXX XXXX XXXX  Account NumberXXXX
Product: Debt collection

I purchased furniture from XXXX XXXX years ago. I was making regular payments on the furniture. The furniture broke. I called them about repairs. They stated they would not fix the property. My funds were not able to cover the amount owed now they are trying to file a judgment against me.
Product: Mortgage

We went down that road before XX/XX/XXXX. CitiMortgage then placed a windstorm insurance onto my property, even though I had sufficient coverage. Only weeks after the first matter was finally corrected, or at least I thought it was, the same wrong accounting started again. Soon thereafter I received CitiMortgage 's threatening letters and automated phone calls. I took the time to communicate with the person on the other end of the phone line and have been assured several times that this matter had been solved. However, the problem still exists and the confusion about insurances CitiMortgage placed onto my property got even worse. I did have flood insurance with the XXXX XXXX but CitiMortgage appearantly tried to place additional insurances. When somebody recognized the error, I received a check for an overpay in escrow funds. In the meantime the wrong accounting started to place late fees onto my account because I did not submit the wrong amount and therefore their system, as explained to me by a processor, did not credit my account the amount I sent in. The amount I sent is exactly what the statement I attached called for. XX/XX/XXXX I talked to a supervisor who promised me personally that he would send me a detailed accounting statement. it never arrived and the wrong accounting escalated into it 's present stage. I can not get any response from CitiMortgage except automated phone calls and generic default packages. I sent a letter to CitiMortgage with the request to get a direct line to someone who had unlimited access to my account. Of course, no response. And that 's where we stand right now. It 's a shame how poorly business is conducted by a company of this size. XX/XX/XXXX I finally got a response from CitiMortgage but only after I contacted your agency. I would like to see the same outcome this time around and a detailed statement for my accountant to review. PS XXXX more cases similar to mine have been brought to my attention after sharing what happened to me. All in a small town. I wonder how many cases nationwide?
Product: Credit card

TODAY I RECEIVED A LETTER SAYING THAT THEY TERMINATED MY ABILITY TO USE MY CREDIT CARD WITH FIRST NATIONAL BANK, OMAHA. INCLUDED IN THIS LETTER, WAS A DEMAND FOR THE CURRENT BALANCE OF {$250.00}. THEY INCLUDED A CONTACT NUMBER TO MAKE IMMEDIATE ARRANGEMENTS TO PAY THE OUTSTANDING BALANCE. WHEN I CALLED, THEY INFORMED ME THAT THEY HAD TERMINATED THE ACCOUNT, DUE TO A SERIOUS LATE AND NO PAYING BEHAVIOR PATTERN. WHEN I SPOKE TO A LADY, SHE STARTED NAMING OFF DATES THAT BOUNCED CHECKS, NFS AND CONSISTENT LATE PAYMENT BEHAVIOR WHILE USING THEIR CREDIT CARD. FIRST OFF, I DO N'T USE ANY CHECKS. THEY REFUSED TO GIVE ME THE CHECK #. WHEN I ASKED THEM TO SEND ME A LETTER DOCUMENTING ( DATES ) BOUNCED CHECK NUMBERS, CONSISTENT NFS AND LATE PAYMENTS, OVER THE PAST YEAR OF HAVING THEIR CC., THEY SAID THEY COULD NOT DO THAT. THEY THEN SAID THEY WERE REFERRING TO AN NFS ON XX/XX/XXXX & XX/XX/XXXX AND A BOUNCED CHECK ON XX/XX/XXXX, PLUS THE ATTEMPTED TO AUTO DEBIT XX/XX/XXXX BUT I HAD CLOSED THE ACCOUNT. I AM NOT REQUIRED TO HAVE AN AUTO PAYMENT ARRANGEMENT. THIS WAS CREATED TO MAKE SURE THAT I DID N'T FORGET TO PAY THEM AGAIN. I CLOSED THE AUTO PAY ACCOUNT AND MADE A ONE-TIME PAYMENT ON THE XX/XX/XXXX. THEN THEY SAID THAT 2 LATE PAYMENTS CONSTITUTED A VERY SERIOUS DEROGATORY PAYMENT PATTERN, BEHAVIOR. TO BEGIN WITH, THIS WAS AN ACCOUNT THAT I HAD TO PAY TO OPEN AND I THOUGHT I HAD A GOOD PAY HISTORY WITH THEM. I DO NOT WANT THE ACCOUNT REOPENED. INTENT IS MY CONCERN. THIS ACTION ALLOWS THEM TO SEND A BAD REPORT TO THE XXXX CREDIT BUREAUS AND BY ASKING FOR THE TOTAL BALANCE, WOULD ALLOW THEM TO FURTHER DO THEIR CHARACTER ASSASSINATION, BY COUNTING THE DAYS IT TAKES TO GET THAT TOTAL OUTSTANDING BALANCE. INTENT IS THE ISSUE HERE, AS I SEE IT.
Product: Checking or savings account

on XX/XX/year>, I called to the number of the back of my debit card XXXX XXXX XXXX, to ask how secure was to pay thru XXXX to someone that I don't know, and I was advise by their employee to " go head and pay '', since I wanted the customer service to understand what I said, I asked her again ; are you sure because I don't know the person and I am nor sure if I am going to get my tickets for a game, she repeat to me " that I can file a dispute if I don't received. I did pay {$500.00} for the ticket and this person XXXX XXXX, didn't send the ticket. I called the bank and I placed the dispute the same day. now they are telling me that is not their problem, the person didn't send the ticket. I went to the bank where is my account and I spoke with the manager, he told me that they are not responsible of XXXX, because this is an application that they don't belong to them. I told that they should be responsible since is offered or listed under their application and therefore I used. I learned that they that XXXX and Citibank are two separated companies. anyway I told the manager, that they should be held responsible since I was advise by their employee, that it was safe to pay. I rescuested the manager for a copy of the conversation since they recorded, and the manager told me that they can't get a copy of the conversation that I had with their employee. I told the manager, that they should be held responsibility of their employee overseas because I did the transaction since I was convinced mostly for their employee because she gave me certain that my money was safe. she never told me that there was a chance of me losing the money, because XXXX is a separate company of Citibank. please help me to get the answer on my case because I felt alone on this matter with them. thank you, for your help
Product: Mortgage

I submitted all requested data to the Bank of America Loss Mitigation Department and my request was denied. I submitted an appeal and my appeal was denied. My husband passed away in XX/XX/XXXX, the only income I have is {$1800.00} in XXXX. {$800.00} in pensions and {$400.00} from a boarder. My current mortgage is interest only, {$2700.00} per month interest only. I also have regular expenses ( auto payment and insurance, utilities, etc. ). I am currently supplementing my expenses by depleting my IRA. My mortgage is scheduled to jump to {$3500.00} per month in XX/XX/XXXX yet I can not get BOA to modify my loan.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and unauthorized accounts have been opened in my name without my consent. 
Below are the details of the fraudulent accounts that need to be blocked and removed : Fraudulent Accounts : XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$470.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$13000.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$470.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1600.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$480.00} XXXX XXXX XXXX - Account No. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} Fraudulent Inquiries : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

I request Barclays Card in Delaware to refund me {$140.00} since XX/XX/2019. Due to XXXX XXXX XXXX. Charged me {$4900.00} on XX/XX/2019 but refused to file lawsuit for me. she only refund me {$4800.00} on XX/XX/2019 and repeatedly refused to pay me back other {$140.00}. 

However, Barclay Card also repeatedly to refused to pay me back {$140.00}. I had to asking you to ordered Barclay Card to refund my {$140.00} now. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion won't conduct an adequate investigation about inconsistent and inaccurate information reported for a negative account with XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ( TransUnion account # XXXX ). I filed separate disputes with TransUnion on XX/XX/XXXX and with XXXX on XX/XX/XXXX. I disputed the charged-off balance of {$11000.00} and date of my last payment which was actually more than 7 years ago as of today. Both companies report different dates when the delinquency began. I recall making my last payment in late XXXX which makes the delinquency XXXX XXXX XXXX now. With my dispute, I requested XXXX and TransUnion obtain written debt verification such as a payment ledger from creditor that starts with a XXXX running account balance to confirm both the amount owed and date the delinquency began. On XX/XX/XXXX TransUnion closed its dispute. On XX/XX/XXXX, XXXX did the same. Neither company properly verified the amount initially owed, payment dates or explained why they report inconsistent information. This inadequate information and continued reporting of inaccurate information violates my right to protection of consumer privacy ( 15 U.S.C. 1681, Section 602A ) under the Fair Credit Reporting Act. This also violates my right that a credit reporting agency may not furnish my account information without my written instruction. 15 U.S.C. 1681 Section 604A, Subsection 2.
Product: Debt collection

I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 credit reporting bureaus that there was a collection account added to my report. The company 's name is Financial Data Systems showing an account # of XXXX stating that the debt came from XXXX XXXX XXXX. I have never heard of the company Financial Data Systems. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. 

I demand that Financial Data Systems provide a copy of my signature with the provider of service to release information to them. I demand that Financial Data Systems DELETE credit reporting from XXXX, XXXX, and XXXX  until this debt is validated by me. 

Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the late payments for the following accounts removed from my transaction history on all three credit bureaus. ( I sent 3 letters with ID and my gas bIll - no response XXXX XXXX ). According to the law FCRA 15 USC 168Ai- all late payments should be removed. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX .... & Account number XXXX ....
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2021, I sent money to a receiver via my checking account in the amount of {$200.00} with Paypal. I completed a similar transaction on XXXX XXXX, 2021 which was instantly transferred to the receiver. Yet, the XXXX transfer was not instantly transferred and it was processed as an XXXX First, Paypal does not give notification when money will be sent instantly or via XXXX. It does not give you an option to choose a different option if the money sent will be held or delayed. It was explained by XXXX of the customer service agents that it could take up to XXXX days to process. If the money clears sooner, the money will be deposited into the recipients account. On XXXX XXXX, 2021, the money cleared my account via bank verification from a XXXX from the banking institution. Documentation can be provided for proof. As of XXXX XXXX, 2021, Paypal has not processed or deposited the funds into the recipients account. The customer XXXX  responded with a scripted answer about it taking up to XXXX days. Their site states, " Your payment will show as pending until the echeck clears the bank. It usually takes up to up to XXXX business days for an XXXX to clear and the money to appear in the recipients PayPal account. '' The XXXX has cleared and Paypal has failed and refused to send the money to the recipient.
Product: Debt collection

I have contacted Medical Financial Services Incorporated and the original debtor, XXXX XXXX XXXX, about several accounts that have been placed for collection and currently appear on my credit report. Because over {$7000.00} in payments from my insurance company were either incorrectly applied or never applied at all to my account until after I called them and because I never received bills for these hospital encounters, these accounts went into collections and never should have. Since I have begun disputing these bills, over {$6000.00} in collections have been removed or updated from my account ; however collections for two accounts remain. The first is bill for {$180.00} that had been affecting my credit for 2 years but I only became aware of recently when I tried to apply for a loan. I contacted the collection agency and disputed the validity of the debt after contacting my insurance company. To make a long story short, my insurance payment was not fully applied to this debt and I actually did n't owe anything. This account had already been sent to collections and reported to the credit bureaus before XXXX even filed the insurance claim. The debt was promptly removed, but again, it had been on my credit report for 2 years at that time. Another one is for {$630.00} for an emergency room visit on XXXX/XXXX/XXXX. I did n't get a bill for this encounter and assumed that my insurance provider had paid it off until it appeared on my credit report in XXXX XXXX. When I asked the hospital for a detailed bill because of the previous error that had been made on my account, I noticed that I had been charged for the same test twice, in the amount of {$230.00} each time. I sent a message through my online account at XXXX and never received a response. That debt remains on my credit report despite the fact that I believe there is a billing error on my account. The final bill is for an emergency XXXX that I had on XXXX XXXX, XXXX. An entry was made on my credit report for {$6500.00} on XXXX, XXXX. Again after contacting my insurance provider, I learned that they had sent XXXX several payments and my responsibility was actually only {$910.00}. The payments were not applied to my account until after I contacted XXXX XXXX XXXX and Medical Financial Services Incorporated later in XXXX XXXX. I never received a bill and I assume because the payments were not posted in a timely manner, this last account actually shows it is included in my current balance at XXXX. I am already in a payment plan with them for charges from another recent XXXX. The {$910.00} bill is included on my account as an amount that has been billed in the last 0-30 days, therefore, according to XXXX 's own Financial Assistance Policy and because they are a 501 ( c ) 3  religious affiliated organization, no patient accounts will be sent to collections until they are more than 121 days past the post discharge billing date ( see page 3 of the Financial Assistance Policy that I have attached. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CHILD SUP XXXX CHILDSUPPORT 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 XXXX
Product: Vehicle loan or lease

In XXXX and XXXX I had late payments to Bridgecrest credit XXXX for an auto loan I had. The reasons for the late payments were due to XXXX and me being out of work. I communicated that with the company numerous times to which they didnt seem to care. These are the ONLY negative items on my credit report! I ask that they be taken off my report seeing as they are also being reported as missed not late. The account is up to date and Ive made every payment on time for over a year. These missed payment marks on my credit report are killing me and its the only negative thing on there.