23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX old XXXX XXXX and nutrition expert since XXXX. 
At XX/XX/XXXX XXXX, I've had experienced an upnormal chest pain and vomiting, with higher than normal XXXX XXXX that was ( XXXX ) XXXX Pulse, before an Imbalance arrival, and this weren't normal for me because, normal XXXX XXXX of a fit person high performance athlete, as is predominantly being below a XXXX, as i used to. 

The Imbalance have arrived, so they've taken me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) located In the XXXX XXXX XXXXXXXX, SC, and after diagnosis have finding out that I have XXXX XXXX XXXX XXXX  XXXX which is obviously TRAUMATIC, XXXX  in summary ( is known as a breakdown of damaged muscle cell contents into bloodstream can cause organ damage such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). So my ( XXXX XXXX XXXX XXXX XXXX  XXXX which is dangerous and can lead to death, while normal XXXX level should be around ( XXXX ), I've had an insufficient medical treatment by XXXX that had reduced my XXXX level ONLY to XXXX, and then without notifying me that I've still in dangerous health condition, the XXXX doctor have told me to go back home. 

So I left the hospital after a few hours around XXXX NOT feeling well have the same symptoms that I've mentioned above, no change, went back home still vomiting my XXXX XXXX still high with high XXXX rate, then I've had called my URGENT care doctor named ( XXXX XXXX XXXX- ( XXXX XXXX XXXX XXXX ( his medical care address and business cell number in this complaint as well ) then have visited him, he have told me that I still need a treatment you not suppose to leave the emergency until my XXXX get really low at least below XXXX, so he had followed up with me for the following months as it shown in the receipts of each visit to him ). 

A few months letter I received a {$3500.00} bill from the XXXX XXXX XXXX for their insufficient treatment, as it shown inhere, I could be dead already because of this reckless treatment via XXXX, so XXXX didn't treat my health problem the way that I suppose to be treated, the normal XXXX  should be only from XXXX to XXXX according to the scientific data and I wasn't know if I am going to be able to survive from this health problem or pass away! 

I have treated myself via an urgent care who treated me as it shown on the receipts and prescription in the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit card or prepaid card

It's been more then 90 days since I send out letter with no response until much later date. 
I have been trying to take care of the account but can not do it online nor over the phone. So there seem to be no way to make the payment. They make it very difficult to take of this account. And it's affecting my credit all this time. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Product: Vehicle loan or lease

In XX/XX/XXXX, I paid off the lease of XXXX company vehicles we had since XX/XX/XXXX. We were told that our title would be mailed within XXXX days from the transaction date, but we never received it. Moreover, we could not trade in or sell these vehicles in a timely manner, causing damages for up to {$45000.00} in lost value of the cars, hurting the finances of our small business.
Product: Credit reporting or other personal consumer reports

I found a number of personal information mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with the FTC Regulation and refuse to fix this issues, this is a clear violation of my rights.
Product: Student loan

Navient sent a notice on XXXX XXXX that they would be willing to settle on the account. I called and and arranged to pay down {$3000.00}. I had 90 days to pay for it. We arranged {$1500.00} on the first payment which they received and the second payment a month later, and if I could n't do that call back in and we can change the payment date. They refused to do it. The baited and switched me. And said, " oh you have to pay it all now. These disgusting people that the federal government has hired are unethical, liars and I will not do this. I will stop any check payments on my bank, they have refused to honor what they told me. <P/>This can be recorded I hear all the time on the phone. Than let 's here it. IT will show a different picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$55000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$23000.00} XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

The bank Wells Fargo regarding account ending in XXXX where the bank committed the act of diversion of funds and stole my atm deposit of XXXX dollars dated XX/XX/2021 the adjustment made the same day is dictated not to be related to the deposit itself the bank has harrassed myself in resolving the matter and has committed the theft of fund once before regarding a check with an outstanding balance of several million dollars. The department of treasury contacted an issue related to the check and its theft. The outstanding balance was confirmed by its issuer XXXX  XXXX XXXX for the initial act of theft the bank has perpetrated against me. I have the bank statement to prove the diversion of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}XXXX XXXX  XXXX Balance XXXX {$850.00}
Product: Student loan

My Student Loans Are Serviced through Navient. I am currently in default and wage garnishment, because they have offered me nothing but interest-increasing repayment options, an their desired monthly payments are never within reach for me to pay. Even after I fully detail my finances to them, including medical expenses which I dont think is their right to ask about, they still manage to make the payment XXXX dollars more than I can afford. They have also illegally practiced the collection of my debt, at first using threats, then combining those threats with more abusive language, calling me illegally, calling before XXXX an after XXXX, and sometimes even after XXXX. They have refused to let me switch service agents when the ones I have used were rude, and they still call me harassing me even while they continue to garnish my wages. I paid over XXXX in interest alone this year because of them.
Product: Payday loan, title loan, or personal loan

they posted on my credit score saying that i owe XXXX bucks in XX/XX/XXXX but i never had any account with them ever i never needed to get any loans this has dropped my credit score from a XXXX to a XXXX i dont understand how there are so many complaints with these people and no one has started a law suit and i dont understand how the credit bureaus continue to let them report fake loan accounts so i am contacting any and everyone that i can think of hopefully if i can get enough people involved we can all get together and show the credit bureaus they reported this fraud account on more than 1000 accounts that they will be removed not only that hoping they can be stopped and have something done about this!!!!! i want this removed from my XXXX credit account asap i never applied for any loans or anything also i did a 3 way call on the phone today with rtem and XXXX  i told them to provide me proof that this was my accunt and i asked for a fax number to send my police report and to my surprise they gave me XXXX THIS IS A FAKE FAX NUMBER BTW this just confirms it even more 1000s of people are complaining online about them why cant they be stopped its clear they are reporting to get money from people but i want pay these THUGS XXXX XXXX!!!!!! XXXX XXXX is the woman from XXXX that did the 3 way call her number is XXXX ext XXXX they told her that the account was in XX/XX/XXXX but on my XXXX  account it showsXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes.

Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX  can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXXXXXX  Balance : {$8.00}, XXXX XXXX XXXX  XXXX  Balance : {$180.00}
Product: Credit card

I have had a PNC credit card for years. It is set up for automatic payments. As far as I can remember, I have never missed a payment. today I tried to use the card, and it was declined. The card had not expired, according to the date on the card. I went to the website and saw nothing about the card being declined. I tried the chat rep ( XXXX XXXX ) and she said PNC had no record of a decline. Meanwhile, I noticed there were two accounts listed on the site, not the single account I was familar with it. One account was marked " closed '' but I never closed my account, nor did I apply for a new one. It appears PNC replaced my old card with a new one, for no evident reason. Worse, it appears they transferred the balance on the old card to the new card, which I never authorized. Worse still, they did not set up automatic payment on the new card, and it is now past due with finance charges. I never authorized this new card, nor did I receive notices or statements. It appears to me PNC is churning cards to force fake finance charges I was given no notice or warning of any of this, and XXXX XXXX could not or would not give me any information. She asked me to call ( XXXX ) XXXX. I tried that, but all I could get is a series of recorded advertisements. I tried to click through the ads, and the call was dropped.
Product: Mortgage

Rushmore along with XXXX XXXX XXXXXXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known ROBO signer signed the assignment as an attorney in fact dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. Some of these assignments are fraudulent ( XXXX XXXX ) and fraud cant be the basis for obtaining a deed. The ROBO SIGNER XXXX XXXX was apart of both Federal and State Court cases. You can google her name and see the fraud her signature was involved in. The Vice President that signed are not bank presidents. They are simply ROBO signers. I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the reinstatement amount to become current. It was sent to me but the figures were acknowledged by Rushmore to be incorrect. There were fees that were paid on XX/XX/XXXX. Any time a loan is reinstated all fees must be paid in full. I asked that the fees be corrected so i could have to correct amount to send them. I was told they don't have time to make the correct adjustments before the foreclosure date. 
I was also told that even if i did submit a modification package, the investor would not accept it because i had a previous modification. In that last modification my payment went UP by over {$400.00} and my interest rate increase by XXXX XXXX. I was told take it or leave it. I thought a modification is supposed to help you.
Product: Money transfer, virtual currency, or money service

Lady needing funds to settle and process father 's will in XXXX XXXX. 
Banks would not loan her money. Her attorney XXXX XXXX and her uncle XXXX XXXX contacted someone to fund her needs. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received 4 checks electically deposited into my checking account at Wells Fargo Bank. Bank  emailed me saying funds available. I with Drew the funds and paid bills to attorneys in US as directed. Checks were resended by Bank as unpaid. I shelled out the money as deposited for a total of about {$67000.00}. I ask Bank for help. They just closed my accounts. Wouldn't tell me anything. I made report to my sheriff, secret Service, and XXXX CT police. The check we're on XXXX XXXX XXXX XXXX XXXX. Address was XXXX CT. I wrote letters with no results. Bank wants the money replaced. For now my Lady friend and myself are in financial trouble. With no one or way to fix. 
Wells Fargo was responsible for telling me the funds were good. They did. Then took the money from me and closed my accounts. 
I think the Bank should be responsible the money and not me. 
I understood the funds would be bank wire with money supporting the deposits. I had no idea who the deposits cam from. I could not see with my app. I had to go to my branch to get copies. Which was days later and after writing the trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 a civil judgement was filed from XXXX XXXX XXXX against me. In XX/XX/2018 the case was dismissed by XXXX Municipal Court. Unfortunately this matter shows up as an eviction on my record even though that is not the end result.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX in XXXX XXXX on XXXX. Together with the vehicle lease I also purchased the XXXX XXXX and the XXXX XXXX XXXX plan. However, on XXXX I decided that the XXXX XXXX XXXX plan was not a good plan for me and decided to cancel. I went to XXXX XXXX and officially cancelled the plan with the same financial person that sold me the car. I received the receipt of the cancellation and I was told that the refunded money {$1700.00} would be applied to my account in about XXXX weeks. 
Since then, I have contacted both XXXX XXXX and XXXX XXXX periodically after XXXX weeks had passed to get a status updated and I always received the same response : it is getting processed. 
Well, it has been XXXX weeks now since I cancelled the plan and to this date, the total amount {$1700.00} has not been applied to my account. 
I 'm extremely disappointed with XXXX and the way this issue is being handled. If it was the opposite, with me not paying the monthly payment, they would have already charged me exorbitant late fees as well as potentially taken the car from me by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account with XXXX XXXX with Experian, XXXX  XXXX  for three months. This account is not a collection. It is under consolidation with XXXX  XXXX XXXX. XXXX is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. 

I request this entire tradeline to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$1900.00} XXXX XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$710.00} TRANSUNION : XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$710.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

The week of XX/XX/XXXX, we visited the Bank Of America in XXXX XXXX, MD as when I had looked online it was indicating my account was closed. The manager told me she didn't know why the account was closed but we could call XXXX to find out more details. When I called, I was informed that a letter had been mailed to me, which I never received and that a check for the proceeds in my account will be forthcoming. I have yet to receive the check, I have called BOA numerous times, to no avail. Today when I called they indicated I would have to wait 121 days from the date the check was mailed to have the check reissued. I am XXXX XXXX XXXX, that lives paycheck to paycheck, I can not wait over 4 months to get my funds from Bank of America and find this unreasonable. how do these large financial institutions get away with holding my hard earned money for such a long period of time, this is just unethical and their policy should be changed to better protect consumers. The day the account was closed was XX/XX/XXXX, the check was mailed XX/XX/XXXX, and it was for {$1800.00}, I can no longer access my account, nor statements online and quite simply don't understand how this type of unfair service can happen and leave me without a banking relationship, nor cash to facilitate bill payments.
Product: Checking or savings account

On Friday morning XX/XX/year> when I received my paycheck I started paying bills and using XXXX to receive money and pay people back. I went to XXXX money to my XXXX  account and they flagged it as fraud. I called them and they said it was ok for me to XXXX money to myself in another account and to try again. When I did it again they closed my account and told me Im committing fraud. I only had {$490.00} for the Week for groceries. Thank goodness for emergency food stamps because of what they did. On Saturday I get a message in my email stating my account is XXXX which is impossible if they closed the account. Nothing should be able to be charged if the account is closed. They couldnt explain why this was when I called Saturday Morning on XX/XX/year>. Im not sure what is going on and if and when I will ever get my money.
Product: Debt collection

I enrolled a credit counselor program call XXXX XXXX in Early XX/XX/2018. I did pay XXXX XXXX {$140.00} every month for my credit card debts. From XX/XX/XXXX until today. I have been getting computer type phone calls from Synchrony Bank & using their voice on my voice mail. They had been calling me over 30 times. I was told from XXXX XXXX not to talk or answer their phone calls. I had to pay my debt off with Synchrony Bank in about 3 years with the XXXX XXXX. I had contracted XXXX XXXX about those harassing phone calls from Synchrony Bank. Synchrony Bank refuses to talk to XXXX XXXX over my credit card debt.