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

Recently I submitted a complaint about a collection account on my credit report. After disputing the account I believe that XXXX XXXX  XXXX  has violated hipaa law and has violated my rights. I will attach some files that back my claim. Hipaa law protects people like me from unlawful medical information. The following is the collection account information. 

ACCOUNT : XXXX XXXX XXXX Collection Account number:XXXX  Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX  sold me a car which was mechanical failure and caught a fire on me as soon me and my family exit the car. The loan was through credit acceptance we I notified them and insurance company did no response. 
All parties spoke to XXXX XXXX XXXX where they promise to come get the car and get me into a new one with credit acceptance approval, which never happens I paid around close to $ XXXX in storage fees and parts but insurance company stated the car had original faulity wiring which this had happened from the car dealership and I am not responsible for the car and the dealership is. Ive been being harassed from credit acceptance where they got attorneys to come after me I followed all the steps now they serving me at my job making my family feeling uncomfortable behind this. The two parties scam me and committed fraud because on the paper work thats not my hand writing. XXXX service tech came out to the mechanic shop look at the car and stated it should never left the yard because of the recall and they saw the salt water lining in the car that deem the car was in a flood. Please help me this is not fair as a customer.
Product: Credit reporting

Received declination of credit from a credit card I attempted to open. Rejection letter stated Experian 's phone number as well as " Report Access '' link and include a XXXX digit " reference number ''. When attempting to receive complimentary copy of my report that resulted in this decision, tried both Experian 's phone number and website link. 
After carefully entering my ( correct ) information, Experian 's phone system said they could not retrieve my data and I must submit my request in writing. There was no way to access an actual operator to provide them with the Reference Number ( which presumably should have made finding my report quite easy ). Instead, it simply repeated the mailing address and necessary supporting documents. When going through the experian.com/reportaccess site, I also received the same denial of accessing it through their online system, and was told to submit my request in writing to the same address. 
It 's ironic to note that Experian does not accept mailed credit card statements as proof of address ; given how many people are using electronic statements only in this day and age, it 's not always easy to find XXXX of their accepted forms of mail. 

I will note that I have ALWAYS received this type of complication from Experian, also while trying to claim my free annual credit report as required by law. 

I assert that Experian purposely makes their " Free '' system hard to retrieve reports from, in an attempt to get people to purchase their reports instead. I have no doubt that if I signed up for their credit monitoring service for a hefty fee, they would somehow " magically '' locate my report. They are simply trying to leverage the laws in place for consumer protection to grow their business.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am contesting this entry as it was added without my authorization. According to FCRA 605B, you are required by law to obtain my consent before including any information on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I faxed to Equifax ( XXXX XXXX ), and Equifax successfully received, my dispute letter ( see attached ). In my letter I included the required identification including my drivers license, social security card and a recent utility bill. I disputed inaccurate account reporting on my credit report ( XXXX # : XXXX ). Equifax responded stating that they were unable to locate my credit file, further stating that they needed additional identification documents for verification and to specify account name and number and specify reason for dispute. Yet in my dispute letter as you can plainly see everything they asked for was already provided sufficient for the reinvestigation.
Product: Mortgage

XXXX ) Misreporting property tax in XXXX form for XXXX LAKEVIEW LOAN SERVICING misreported my property tax on XXXX form for XXXX. My property tax should be {$11000.00}. but they only reported {$910.00} as property tax and mis-categorize the remaining {$10000.00} as additional assessment. I called their customer service in XX/XX/XXXX to request them to correct this error for me. They acknowledged this error and promised to correct it within XXXX business days but no update has been made after XXXX month. 

XXXX ) Overcharge escrow account. 
Due to their accounting error, they doubled my property tax in their calculation without verifying with local tax office and made the wrong escrow analyses which leads to a significant increase in my monthly payment ( from {$3000.00} to {$4500.00}, which is 50 % increase ). The reason I found out is there is a {$5100.00} tax bill in XXXX and a {$5100.00} tax bill in XXXX but they double counted these XXXX tax bills which inflated my tax bill by XXXX. I called the customer service and they acknowledged the error and promised to resolve this issue within XXXX business days. But I have lost trust in their service after my first request and am concerned that there will be no action taken. And to my surprise, the analyses has been done in XX/XX/XXXX but I received their analyses in mail in XX/XX/XXXX which is a significant delay to explain the changes in my monthly payment.
Product: Credit card or prepaid card

On Saturday XX/XX/2022, I received notification from XXXX XXXX that my IKEA credit card was closed. I called into IKEA customer service and spoke with three representatives. The first representative I spoke to I had to get an analysis on the line and speak with them to find the reason behind my card being closed. The reason she said my card was closed was due to inactivity. She said that on the bank side that my card was scheduled to be closed on XX/XX/XXXX of 2022 if a purchase was not made. 

I told the representative that I just made a purchase on my IKEA card on XX/XX/XXXX of 2022 so how can my card be closed due to inactivity. I also informed the representative that I did not receive any notification at all not via email not via regular mail not via phone call or text message that my account was up for closure due to inactivity. 

She was unable to give me an answer and told me to reapply for a card. I told her I did not wish to reapply because 1. The company closing my card has already negatively impacted my credit report and 2. If I reapply it will be a hard inquiry into my credit report and that will also drop my score. 

She told me that there was nothing that she was able to do but she can escalate the situation to her supervisor. 

So I spoke with her supervisor who agree with me that no notification was sent to me at all from the bank and that my account should not have been closed because I made that purchase in XXXX of 2022. She's unsure of why my account was closed and told me that the only thing she can do is escalate the situation further. 

So I spoke with XXXX XXXX XXXXXXXX who told me that the only thing I'm able to do is to write into the bank explaining the situation and see what happens from there. 

I believe is extremely unfair that my account was closed. It has negatively affected my credit score and there was no reason for the account closure. I did not receive any notification that the account was going to be closed due to an activity but regardless of that fact I did make a purchase and XX/XX/2022 which should have offset the account closure of XX/XX/2022. I will be writing a letter into the company but I feel the need to make this complaint as well.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has violated my rights. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 card or prepaid card

I have been disputing 5 charges of {$100.00} each. These charges were unauthorized by me. I disputed these charges with Barclays MasterCard. After nearly 5 months and multiple paperwork submissions, I was required to escalate to " The Office Of The President '', located in XXXX, DE. 

I provided a copy of the exact program that I had enrolled in with their merchant. That document solicits a " Free Membership ''. No ambiguity whatsoever. That is what I signed up for. In response to my dispute of these charges, the merchant provided Barclays a one-page portion of their " Terms and Conditions ''. This incomplete document had multiple handwritten notes, hand-drawn boxes, underlines and asteriks. This document did not reference my name, credit card information, service, product, or cost of product.

I received nearly a dozen written response statements from Barclays stating that my dispute and rebuttals were being denied based solely on this document ( partial, redacted, handwritten, one-page portion of merchant 's " Terms and Conditions '' ).

Additionally, the merchant provided Barclays with three ( 3 ) different examples of the cost of their " services '' in dispute. None of the three service costs were representative of the unauthorized charges to my Barclays MasterCard. My unauthorized charges were a fourth ( 4th ) and different amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a XXXX group called XXXX XXXX XXXX XXXX, which acts as a basic do it yourself credit repair group but in reality it 's mainly for lead generation. In the group it was stated when a question was ask if you have a right as a consumer to see the letter being sent out on your behalf to the credit bureaus, XXXX XXXX XXXX it was emphatically stated it was by a XXXX XXXX. This was one of the reasons I was interested in signing up with them so I could track when letters went out and what was the substance and to make sure I agreed with them on how they were asking for verification/validation. I had a previous bad experience with another company in years past and it was a good one, I basically got ripped off. After signing up with a XXXX XXXX and after a round of letters went out I requested a copy of the letters and I was informed they do n't give those out because they were proprietary and they would be put out of business if they gave them out. I offered to sign an agreement that I would n't give them out for others to see or post them on XXXX or any other social media site. They said they took it to the top lawyer and I was told the same thing even though I told them I signed up basically on that premise. I later found out it 's who you get as your credit coach determines who receives letters and who does n't. I could n't believe I could n't get a copy of letters that went out with my name on them, no where in the contract does it state this exclusion. Apparently XXXX, will give them to his clients but others wo n't. I tried to sign up with XXXX but he never returned my text so I signed up with XXXX XXXX. My credit coach seemed knowledgeable but it was obviously from the beginning that others were assigned the work. I confirmed this the second time I requested a phone call meeting with him and he had no knowledge of my situation as he said several things that did n't apply to me or not what we talked about, he seems confused as to my situation. I was later told by XXXX XXXX I needed to sign up for their upgraded plan that costed more if I wanted better service. Needless to say I was disappointed because the conversation that we had at the beginning know was acceptable and I needed to spend more money each month. They wanted me to go from XXXX a month to XXXX a month. I was told by XXXX in an email I could either upgrade or cancel my service with them. At that point it was an easy decisions. I basically spent XXXX but told I would need to spend more to get better service. Also, my credit seem to get worse not better with several accounts in good standing now showing up as being disputed.
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence
Product: Credit card

I am having an access problem with my Synchrony Bank XXXX store account. This issue has happened in the past, and I thought it was resolved but it is happening again. I am enrolled in paperless billing, and regularly check my online account status. On Monday, XXXX XXXX, I tried to access my account from XXXX different browsers and get the error message showed in the attached screen shot. I contacted the bank, and a supervisor named XXXX submitted a ticket number to the tech support team ( ticket XXXX ) to determine why I ca n't login. He advised me that the issue will not be resolved for 7 or more days. It is unacceptable that a customer can not speak directly to tech support.
Product: Credit reporting or other personal consumer reports

Disputes an incorrect item and it was not removed.
Product: Debt collection

On Friday, XX/XX/year>, I checked my credit report and there was an unknown open debt for {$860.00} that says it was supposedly opened in XXXX. This day was the first day that I saw that it was on my credit report. I didnt voluntarily open any accounts with this amount, so I honestly dont know what could be owed. I havent even received any letters or calls about this debt. I did my own research and found that theres been plenty of scams with this company. The companys name is Credit Management Company
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me I need this off my credit since this is not mine and I did not authorize these cards to be taken out or used for that matter XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX - XXXX
Product: Mortgage

As recorded in the XXXX XXXX Florida on XX/XX/XXXX, Page XXXX, XXXX XXXX, I received an Assignment of Mortgage stating that XXXX had assigned my mortgage over to " XXXX XXXX XXXX XXXX XXXX XXXX '' ( See attachmemt ). 

There is a company by the name of " Carrington Mortgage '' that has been placing information on my 3 credit reports ( XXXX, XXXX and XXXX ) and stated the account was opened with them on XX/XX/XXXX. ( I'VE NEVER HAD A MORTGAGE WITH CARRINGTON MORTGAGE NOR WAS I EVER OFFICIALLY NOTIFIED ) that " Carrington Mortgage '' was assigned to or servicing my mortgage. My original mortgage was with XXXX and as the attached document states it was then " Assigned to XXXX XXXX XXXX XXXX XXXX XXXX '' ( see attachment ) Per XXXX XXXX FL XXXX records back on XX/XX/XXXX XXXX XXXX, Page XXXX there is a recording of my " Home Affordable Modification Agreement '' that we completed with " XXXX XXXX XXXX XXXX '' ( see attached ). NOT AT ANY TIME HAVE I EVER RECEIVED ANY OFFICIAL OR UNOFFICIAL NOTICE FROM XXXX XXXX XXXX THAT MY MORTGAGE WAS ASSIGNED TO OR BEING SERVICED BY " CARRINGTON MORTGAGE ''. Dealing with this " Home Affordable Modification '' was a rip off all by itself which is a seperate issue. Under this program, our original mortgage was only $ XXXX and when they finished, we had a new loan of approx XXXX. ( see attached documents ). 

CARRINGTON MORTGAGE IS STILL REPORTING ON MY CREDIT TODAY AND MY HOME IS SOLD AND WAS SOLD XX/XX/XXXX AND THE SATISFICATION AND RELEASE OF MORTGAGE WAS RECORDED IN THE XXXX XXXX FL RECORDS ON XX/XX/XXXX, PAGE XXXX, XXXX XXXX ( SEE ATTACHED ). 

FROM THE YEAR XXXX UNTIL XXXX " CARRINGTON MORTGAGE '' HAS REPORTED INACCURATE LATE PAYMENTS ON MY CREDIT REPORTS AND THEY charged me XXXX for each online mortgage payment and {$10.00} to {$20.00} for payments made by phone. These pay-to-pay fees are a violation for both consumers mortgage agreements and Florida debt collection law XXXX Carrington marks up the processing fees charged to borrowers for online and phone payments in direct violation of their mortgage agreements. The case goes on to claim that as a Federal Housing Association-approved mortgage servicer, Carrington agreed to charge borrowers only fees permitted by the Secretary of Housing and Urban Development XXXX Per the lawsuit, pay-to-pay fees are not included in HUDs exhaustive list of authorized servicing fees and charges. Moreover, HUD specifically prohibits mortgage servicers from charging borrowers for costs of telephone calls, telegrams, personal visits with the Borrower, certified mail, or other activities that are normally considered a part of a prudent Mortgagees servicing activity, the suit continues. 
The lawsuit alleges violations of Floridas Consumer Collection Practices Act and Deceptive and Unfair Trade Practices Act, as well as breach of contract and unjust enrichment.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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 XXXX  days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear Experian XXXX XXXX XXXX XXXX have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it. 

My XXXX credit report shows an account from XXXX Bank that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account. 

This appears to be the last erroneous account on my XXXX credit report. Once it is removed, I will return to a more average credit standing. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

Used the App Venmo on XX/XX/24 to transfer {$7500.00} from my XXXX Venmo checking account to my personal bank, Selected the option to wait 1-3 business days for transfer. Through the Venmo app it says the transaction did complete to the checking account. On XX/XX/24 Contacted my bank and they have not received a transaction from Venmo. Spoke with a Venmo Representative and they recommended to wait.
Product: Checking or savings account

I have been trying to qualify my mother for XXXX. She is running out of money and will need to transfer to a XXXX XXXX XXXX. She has XXXX  XXXX XXXX XXXX with difficulty XXXX  and is XXXX  bound living in an XXXX XXXX XXXX. 
Capitol One Bank has been incredibly uncooperative in providing bank statements in order to satisfy the XXXX  5-year look back requirement. This is a requirement under the law yet they are refusing to provide it. My mother and I have spent no less than 5-6 hours on the phone with consumer representatives. They did send 8 months of bank statements but missed the other 29 months requested. Even though I have power of attorney, they would not send it directly to me so I spent 2 hours on the road to fetch what was an incomplete request. I received that correspondence XX/XX/XXXX so this has been going on for awhile. I hoping to move her into the new highly rated facility by XXXX while she can still private pay. These delays and lack of cooperation are putting her at risk.