23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been contacted by Mountain Land Collections multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with their attorney XXXX XXXX XXXX, filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.
Product: Mortgage

Our home went into foreclosure so we sold it and paid off the remaining balance and were issued a {$1200.00} check from what was left over in our escrow account. We deposited the check and 2 weeks later the lender issued a stop payment. We called and were told it was due to us and they would issue a new check. We never received the 2nd check. We called again and were told they would look into it and call us back, no one called. We call again and are told the check would be cut and we would receive it in a week, still no check and no call as to why. We paid our loan off in XX/XX/XXXX and it is now XX/XX/XXXX and still no check.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX  XXXX, Account name : # XXXX XXXX XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX account number XXXX Account name XXXX XXXX XXXX XXXX account number XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I 've pulled my property tax information from XX/XX/XXXX-XX/XX/XXXXfor county & city taxes. The property in question is XXXX XXXX XXXX XXXX Tennessee XXXX. I began purchasing the home XX/XX/XXXX. I paid taxes on the property. The parcel ID number is XXXX. My name have been removed. Someone name XXXX XXXX XXXX & XXXX XXXX is listed. It shows the owner lives at XXXX XXXX XXXX XXXX TN XXXX. I pulled my tax information for XX/XX/XXXX, my name was listed at the time. The address on the print is XXXX XXXX XXXX XXXX XXXX. XXXX TN XXXX. County taxes. City taxes shows my address as XXXX XXXX XXXX XXXX Tennessee XXXX. The city taxes. The XXXX Family was deleting my history. XXXX XXXX XXXX XXXX also deleted my information, because the company amended & restated my XXXX tax return & sold my home. This was done through IR5. In XX/XX/XXXX I reaffirmed my home at XXXX XXXX XXXX through the bankruptcy court. This was done with Tennessee Housing Authority. The case number is XXXX. XXXX XXXX XXXX poses as a para legal, she had access to the court data base. The XXXX XXXX XXXX pressed charges against XXXX for theft. All of my deed numbers have been deleted from the property assessor data base. Deed number XXXX, XXXX XXXX, XXXX XXXX First Family, XXXX Tennessee Housing Development Agency, down payment assistant. IRS have my original loan, because no one can access their data base to delete information. From XXXX the property was in my name. XXXX XXXX XXXX XXXX amended and restated my tax return in XXXX and sold my home. The company amended all of my tax returns from XXXX. With all these fraudulent transactions no-one reported taxes to IRS. While I was under wage earner the loan I had with XXXX XXXX XXXX was refinanced XX/XX/XXXX. The new loan number is XXXX, the company is XXXX XXXX XXXX. Interesting statements was reported to IRS. It was reported as XXXX XXXX XXXX XXXX XXXX XXXX. I paid this company through the courts and was discharged XX/XX/XXXX. Payments were payrolled deducted. Case number XXXX was discharged XX/XX/XXXX. The original loan number with First Horizon is XXXX. There is property in Texas. XXXX XXXX have been manipulating records, changing dates, etc. Mortgage Intrest statement was reported to IRS by First Horizon. First Horizon Home Loans XXXX XXXX XXXX. XXXX TX XXXX. This transaction was made in XX/XX/XXXX. There was a lot of fraud that has transpired. I do n't know when the fraud began. The wage earner courts have my payments made to First Horizon. First Horizon claims my XXXX XXXX child power of attorney was used. This child is a XXXX XXXX. I would never use him to make any type of transaction. First Horizon reported Interest statements to IRS for XXXX XXXX XXXX in XX/XX/XXXX. This is the year XXXX XXXX XXXX XXXX amended & restated my tax information. {$53000.00} of my employee owned stock was used to sell my home through IRS. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX was reported to IRS. I need/want an explanation. IRS want an explanation also. The city of XXXX want an explanation. The wage earned courts want an explanation.
Product: Credit card or prepaid card

On XXXX XXXX this credit card was paid in full. The credit card company charged an interest fee on a {$0.00} balance which went unacknowledged and turned into 2 late fees. The company stated they would remove the late notice from the credit bureau but never did and again charged another interest fee on a {$0.00} balance. Due to this issue, I again asked them to remove the late notice from the credit bureau and to close my account.
Product: Debt collection

ASSETCARE is giving out False information to XXXX of {$1500.00} and XXXX XXXX remove this debt collection for my credit report when I sent XXXX A copy of the bill. And I have a freeze and a credit monitoring alert on my account this that is incorrect when I have paperwork showing that the amount is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive recently checked my consumer report and noticed I had 3 unauthorized inquires that I did not give consent to pull my consumer report without my permission this is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the fcra 15 usc 1681c-2-b ( blocking of information deemed fraud by consumer ) car must show information to the companies in questionI also filed a id theft affidavit as well in the attachments
Product: Checking or savings account

On XX/XX/XXXX, I wrote a check ( # XXXX ) for {$4500.00} which was subsequently deposited and debited from my checking account on XX/XX/XXXX. On XX/XX/XXXX, the same check was again debited with the same amount from my checking account. At the time, I was starting a business and wearing many hats, I only noticed the error on XX/XX/XXXX, I contacted my bank ( CITIBANK ) bout the issue and they refunded within a week the amount that was debited twice. Again on XX/XX/XXXX, the bank debited {$45000.00} without consulting with me, putting my account in a negative balance. Following a dispute, they sent me a letter dated XX/XX/XXXX stating " We are attempting to collect the difference from the paying bank for check number XXXX which posted for {$4500.00} to your account on XX/XX/XXXX. Due to the time elapsed for your claim, we can not guarantee funds will be returned. ''
Product: Money transfer, virtual currency, or money service

Money lost during transfer from my bank account to others. 
On XX/XX/2020, I sent {$1000.00} from my Chase bank debit account to my friend 's account. But my friend never got the money, and I never received a refund. I've called Chase many times and they are not able to help me to find the money.
Product: Debt collection

We had medical emergency at XXXX XXXX XXXX in XXXX. We paid all the bills in time except a small bill for {$97.00} from XXXX XXXX XXXX XXXX which we never received. During this time we also moved so XXXX be the notices were lost in mail. Surprisingly 7 months later we got a collection notice on XX/XX/XXXX from PAYACEI ( dated XXXX XXXX ) based in XXXX VA. We immediately called XXXX XXXX XXXX to investigate and made payment for this balance on XXXX XXXX. 

We have also received paid in full statement from XXXX XXXX XXXX yet XXXX claims that we owe this money to them. When I called to explain, they were rude and continue to insist that We owe them the money which we already paid. I believe that this company is fraudulent and uses abusive tactics to collect debt, even if it is already paid off. 

The reference number for this notice is XXXX
Product: Debt collection

This company contacts me at least four times a day, from right at XXXX XXXX to right before XXXX XXXX. They call from several different numbers from Ohio to Florida. 

Today, XX/XX/18, alone they called from XXXX at XXXX XXXX., XXXX XXXX, XXXX XXXX and XXXX XXXX Yesterday they called from the Ohio number at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX   I've already spoken to someone regarding my account a week ago so this is now harassment and illegal practices they are performing.
Product: Debt collection

So, on are about XXXX thru XXXX of XXXX, I tried responding to paying down some credit card debt with U.S.A.A and had made payment arrangements. I spoke with several agents in the Credit card dept. Talked with XXXX from member debt solution I.D . XXXX regarding my XXXX XXXX XXXX. 

In addition set up automatic payment plans with confirmation I.D . numbers as follows : XXXX, XXXX, XXXX. Spoke with agent XXXX on XXXX, spoke with XXXX on XXXX, XXXX from member hardship I.D . XXXX whom had a negative attitude. 

Essentially, other additional months ensued before some actions were taken because at the time of said arrangements, I believed they were in motion, much to my chagrin arrangements were not honored two months later. This resulted in several expensive fees on credit card accounts however one account remained in an arranged payment status, which is why it was baffling that, U.S.A.A did not answer my many request to alleviate these problems. 

Furthermore U.S.A.A continued to charge fees and place negative remarks on credit report, and since outsourced to collections with XXXX XXXX XXXX of which I have disputed with C.F.P.B and gotten a response in lieu of Covid-19 and inability to get a appropriate determination with U.S.A.A on how this problem got worse
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/, I downloaded a letter from courthouse website stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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

My employer submits payroll on the XXXX. I am supposed to be paid on the XXXX and the last day of the month. My direct deposit is usually available a day or two before payday. This time it has not even been there in my account and its 1 day past. They have said many things ; no issue on our end, there is a pending Deposit, no there is no pending deposit, we are not having difficulties, we are having issues, will be resolved today, will be 80 % resolved in a few hours, we are working on it and no ETA. I need to pay my utilities ASAP.
Product: Credit card or prepaid card

User for years with XXXX XXXX. Received from work XXXX XXXX. No issues until now. This run around & getting poor resolution is unfair & unacceptable. Had {$130.00} bal for over a year. Used card for purch in XXXX it declined. Purchase was {$40.00}. They said no issues on their side but couldve been issue on merchants side. Seemed possible didnt try again & kept saving. Work gave points in XXXX. My bal was {$35.00}. Called to find out how to fix it. Told go to website. I couldnt. Found out theres no profile for me anymore. Was told last 2 transactions. I had a fraud charge {$99.00}. Told try review text alerts of purchase. Explained I never received any alert if I had this wouldve been handled right then. Asked how & when did my profile get erased. They couldnt tell me. They finally understood with no profile there's nothing going to be sent. I wouldnt know of a problem. They said wait for email 24-48 hrs they would have a resolution. Was told get a new card since mine was compromised. Called company several times in two weeks still no email. They would escalate again. Just received new card had to register new profile which now works. Checked new cards bal hoping to see orig {$130.00} & nope its only {$20.00}. Old bal was {$35.00}. They charged a {$15.00} replace fee. Just got email saying sorry but charge was over 60 days old theres nothing they will do to reverse fraud charge. Called to escalate got same thing. Was told with new card I can start over. Tried getting my company to help asked if they could help with reimbursing {$99.00} charge since work is a finance bank & they offer card to employees. They said sorry we just use this company go back to them. Blackhawk wont help. They didnt help in XXXX when all this could have been avoided. Just found out fraud charge was reason orig purchase didnt go through. This company dont care about their users and making things right. They just want to charge you fees & take your money. They are thieves. If you are lucky enough to get a response from the company its just a generic auto response. They do not fix any of the issues. I will also be filing a complaint with the XXXX.
Product: Checking or savings account

I have an account with Juno, who apparently partners with XXXX XXXX  XXXX XXXX, and depending on who responds ( slowly and inarticulately ), all accounts are currently frozen. I have over {$3700.00} currently sitting in their account that they refuse to release. This is not an insignificant amount of money and I need it released immediately. The companies are refusing to do anything except blame each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

consumer reporting agencies were made aware of fraudulent accounts and information being furnished several times. The consumer reporting agencies have failed to follow procedures before reporting said accounts to my consumer report. The account included in ftc report is fraudulent therefore making my consumer report unfair and inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint to CFPB on the same issue with Equifax, the most inefficient ineffective organization I have ever transacted with. I say that as a retired manager of auditing certified in the field. Equifax has failed to resolve an entry on their credit report perpetrated by an identity thief I reported to law enforcement. I say that as a retired fraud investigator certified in the field. This is dispute case # XXXX with Equifax. I am once again attaching the same letter by the merchant who submitted the fraudulent hard inquiry on their Equifax report in my name. In this letter the merchant says they asked Equifax to remove their inquiry from my credit report 9 months ago. Equifax has taken 60 days to do what they said would be a 30 day investigation and they have resolved nothing. I am going to report this on every consumer website I can find.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have an account with Binance US. I need access to my account to get my tax records for XXXX. When I log on I receive the error message that I have pasted below. If I don't consent to this I can't access my account. Basically my account ( funds and transaction records ) are being held hostage by the company. I NEED this data to file my XXXX taxes - so I am being forced to agree to this. 

We updated our Privacy Policy BAM Trading - Biometric In-Product Consent for End-Users Changes to our Terms of Use take effect on XX/XX/XXXX By agreeing below, you allow BAM Trading Services, Inc. and its related companies and affiliates ( BAM, we, or us ) to collect , via a third-party service provider that provides the biometric technology, a photograph and/or short video of your face and a copy of your government-issued identification card ( ID card ) to create a scan of your facial geometry ( Biometric Data ). 
We use this Biometric Data to verify your identity for security purposes, by comparing the image you provide with your image in your ID card. This allows us to make sure that you are the same person as shown on your ID card and that your ID card is legitimate. We may share Biometric Data with third-party service providers who assist with our IT, security, and fraud programs, our professional advisors, in a business transfer such as a merger or acquisition, and as required by law or regulation. 
For more information on how we use, share, and retain Biometric Data, please review our Privacy Policy.

If you do not agree, you will not be able to use the BAM app and platform.

I agree to allow BAM to collect and share my Biometric Data for the purposes described above. I acknowledge that my agreement to this form constitutes my written consent to the collection and sharing of Biometric Data as described in this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has 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.
Product: Credit reporting or other personal consumer reports

I requested for Transunion Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations per 16 CFR 313.7 ( f ) Continuing right to opt out.A consumer may exercise the right to opt out at any time. 16 CFR 313.7 ( e ) Time to comply with opt out.XXXX comply with a consumer 's opt out direction as soon as reasonably practicable afteryoureceive it. I the consumer am revoking any right I may have given written, unwritten, verbal, non verbal per 15 U.S. Code 6802. In addition according to the IRS Publication 4681, a charge-off is considered a certificate of indebtedness, which means it is treated as income which is a transaction report being reported and it is to be excluded according to 15 U.S. Code 1681a ( D ) Consumer Reports- ( 2 ) Exclusions - ( I ) containing information solely as to transactions or experiences between XXXX thepersonmaking the report. You are in violation of my rights even reporting late payments all accounts listed must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX. XXXX XXXX DEROGATORY ACCOUNT AND INQUIRIES THAT ARE REPORTING ON MY CREDIT FILE DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT THE ACCOUNT AND INQUIRIES BE INVESTIGATED AND REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.