23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I attempted to pay my mortgage through Homebridge mortgage website. Their was an issue with the website allowing me to make my payment for XXXX mortgage. I attempted to called IT department but was stuck with Customer service. On XX/XX/XXXX I called in to Homebridge/XXXX and spoke with representative and made my payment over the phone with the company representative and received a confirmation number. 
I noticed at end of day on XX/XX/XXXX the payment still had not been drafted from my account. At XXXX Pacific on XX/XX/XXXX I called and spoke wit Homebridge/XXXX  representative to provided my confirmation and asked about the payment draft. She ( Homebridge rep ) stated that she sees the payment was made however the representative by error did not process the payment correctly. I immediately requested a manager to reconcile the issue and that their error must not result in any late payment reflection on my credit as I am in middle of a new mortgage. She stated shell put a note because she sees I made payment on XX/XX/XXXX, note to manager to call me back and transferred me to credit customer service department where I sat on Hold not resolved.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these XXXX actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX RE : Fraudulent Opened Account Under 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Under 15 U.S. Code 1681s2 you are in violation of Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute. You failed to 100 % investigate this fraudulent account because I contacted the furnisher about fraudulent opened account, and they stated my information doesnt match which is identity theft and they do not participate in providing dispute notice to credit reporting agencies. If you believe this is false I demand you send me a complete investigation report from the furnisher directly with their letterhead on it showing the method of verification. 
I demand these items be removed from reporting on my credit report immediately. I also demand a credit report showing the removal within 30 days after removal. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Bank account or service

According to a number of recent articles released today, such as XXXX Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a public record. That has been closed for over two or three years. Said public record was paid in full. Therefore shouldnt show as a collection.
Product: Debt collection

This company advised me that they received a debt from another company XXXX XXXX XXXX for a hospital visit at XXXX XXXX  ( I have my medical records and see no record of this visit ). They also told me the bill is for {$500.00} ( conveniently so that they can report this to the credit reporting agencies anything above {$500.00} ). They do not have a valid address for me ( or NAME! ) and did not sent me any notification of a debt as required by law. They are also reporting this as though I was seen in XXXX when XXXX XXXX ( their rep ) advised the bill was from XXXX. I want this REMOVED! And I want the debt VERIFIED!!!! I have credit reports from the past 10 years and have not EVER seen this hospital bill.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX.
Product: Debt collection

I got 3 infractions/citations in XXXX, OR original fine amount {$780.00}. Due certain circumstances I wasn't able to take care of it and then by my personal neglect missed the chance to deal with it within a year as per court statement. go turned over to collections with all the fees new balance of {$1500.00} Per court statement I can only settle with collections agency on monthly payments or pay in full to the court house. Neither one of them refuses to negotiate the debt. one of the reasons I could't take care of it is that I did not have {$800.00} to satisfy it and especially now {$1500.00}. It got turned over to XXXX XXXX XXXX   out of XXXX, OR. Collections agency attempted to collect over {$1800.00} plus tried to charge interest rate. Court 's clerk stated that they can not charge any additional fees nor any interest as it is already built in into new owed balance. I need help to renegotiate the debt and at this time i'm willing to settle for original owed balance which is {$780.00}. this whole incident was caused by as what officer thought I crossed intersection on yellow light. It's unbearable punishment. My driver licence is suspended because of it and I can't support my family without it. Where is the fairness in this. and i'm at fault only because I didn't take care of it in timely manner.
Product: Credit card or prepaid card

On XX/XX/XXXX I made two settlement arrangements to pay off two credit card accounts held by Bank of America. It is important to state that prior to this I was a preferred client for 12 years and was always in good standing, an unfortunate event happened and my husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the day after XXXX on XX/XX/XXXX. He was the sole provider as I am XXXX. Long story short, approximately {$1200.00} was paid to each account and when I realized that I would not be able to make the second payment on time I called to speak with an agent who wrote lengthy notes and I was said to be given an extension unfortunately this was not the case, I explained that I was waiting for a friends XXXX to finalize as I had no other means of obtaining a loan on my own. A second payment was taken from me to hold the account, again I had no clue the accounts were charged off. I have pleased and escalated my case as I now have the funds to settle but BOA will not negotiate and deduct what I have already paid into the original settings, they are lowering the original offer amounts by {$120.00} and {$160.00}. They insist that this is working with me, how is this trying to help me, Ive been a loyal customer in good standing for years.I wish to settle these accounts but I need help I have limited funds to do so and without what I already paid it is an impossible task. This is not how you treat people who have made numerous calls to note an account, I was given wrong info as well, I did not deliberately default, where is the common decency of this company. Thank you.
Product: Debt collection

Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, Immediate Credit Recovery , Inc. sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, Immediate Credit Recovery , Inc. did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.
Product: Consumer Loan

Hello I have been contacted by allXXXXy financial for a debt on a vehicle they financed to me for {$30000.00} sold for {$18000.00} now they are saying I owe XXXX for a vehicle I only had in my possession for a little over 3mons. How can I be responsible.the vehicle was impounded for driving under suspension but how could I be under suspension when I have to have full coverage upon driving off the lot
Product: Debt collection

I have been disputing this debt for a few years I never did any types of business with the original creditor I have requested more information which I have never received
Product: Credit card

I am writing to file a formal complaint against Navy Federal for denying my fraud claim, citing " conflicting information, '' when the unauthorized charges were not made or authorized by me. 

On XX/XX/XXXX, I observed unauthorized charges totaling {$4200.00} on my Navy Federal credit card statement, prompting me to file a credit card dispute with the institution. However, to my dismay, on XX/XX/XXXX, I discovered that the provisional credit, previously issued for the disputed charges, was reversed due to " conflicting information. '' I find it disconcerting that Navy Federal repeatedly fails to address unauthorized charges, creating an impression of ongoing negligence or disregard for their customers ' financial well-being. In response to the reversal of the provisional credit, I immediately filed an appeal and demanded a thorough investigation and reconsideration of this matter. Despite my efforts, Navy Federal has been uncooperative, even threatening to suspend my account.

It is my strong belief that Navy Federal is not upholding its obligations under the federal consumer financial law, particularly in regard to the proper handling of credit card disputes. As per the Electronic Fund Transfer Act, I am entitled to a prompt investigation of any unauthorized charges made to my account. Sadly, Navy Federal has failed to provide any supporting evidence for their " conflicting information '' claim.

Therefore, I kindly request a comprehensive explanation of the findings regarding my dispute and a timely resolution of this matter. I implore the Consumer Financial Protection Bureau to intervene and hold Navy Federal accountable for their negligent practices, ensuring they adhere to federal regulations and provide fair and just resolutions for their customers.

Please do not hesitate to contact me should you require any further information or clarification.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will investigate my complaint promptly and take appropriate action to alleviate this unjust situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX XXXX. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within 3 business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments as well.
Product: Money transfer, virtual currency, or money service

Issue 1. Ca n't withdraw any of my funds ( approximate value {$120000.00} ). The system has an automated ID verification system that fails every time for me, despite using the exact same ID I originally used when I opened the account. I 've tried all suggestions give by support and from the support pages and forums. Nothing works. I 've contacted support numerous times and they have stopped responding to me. On XX/XX/2017, I attempted to withdraw {$5000.00} from XXXX/Coinbase. It transferred the money from gdax to coinbase but failed to finish the transfer and send it to my bank. No reason given. After contacting support, I finally got the answer that I needed to verify my ID again, which I 've attempted 20+ times this past week. <P/>Issue 2. Missing wire transfer and no response from support on what happened to it. On XX/XX/2017, I transferred {$1.00} from another account to Coinbase in order to verify the new account as suggested. The wire transfer was sent but it has never been credited to my coinbase account. I contacted support, but have received no response addressing this issue. The fed reference number is XXXX
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 168b permissible purposes of consumer reports. 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. 

Inquiry was not authorized RESIDENT VERIFY Inquiry was not authorized XXXX XXXX XXXX was not authorized XXXX XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AL XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX The follwoing personal information is incorrect XXXX XXXX XXXX XXXX, AL XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AL XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit card or prepaid card

On or about XXXX of 2018, a fraudulent application was submitted using my name and social security number to Capital One. Additionally, my checking account was debited {$1000.00} by Capital One for what turned out to be a fraudulent secured credit card. I contacted Capital One and advised them of this matter and was told that the account would be closed and removed from my name and social security number, and the {$1000.00} that was debited from my account would be mailed to me. However, as of todays date I have not received any refund check from Capital One and I still see the account on my credit report. Ive emailed Capital One legal regarding this but all my correspondence has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy in XXXX of 2020. I disputed items that were in that bankruptcy with the three credit bureaus. The items have been updated properly on one bureau. But your bureau did not properly update them. 
Federal law requires that you update the present status of an item or remove it after dispute. I provided copies of my bankruptcy schedules clearly showing these three items. I have attached them to this complaint. 
The items that should be listed as " Included in Bankruptcy '' are : XXXX XXXX XXXX XXXX ( Acct. XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( Acct. XXXX ). And XXXX XXXX ( Acct. XXXX )
Product: Debt collection

Contacted multiple times in regards to an alleged obligation via US Postal Mail. 

Denied these allegations
Product: Credit card or prepaid card

Called number on my credit report talked to company they couldn't find any information on so they don't know why it's on my report. Can you help me? I never contacted u s bank for credit.
Product: Debt collection

XXXX   XXXX   XXXX  sent bills to collect invalid " co-pays '' after we left  XXXX   XXXX  and no longer used them as our primary medical care provider. After using  XXXX   XXXX  for over    XXXX   years, these " co-pays '' never once were demanded from  XXXX   XXXX , and in accordance with our insurance carrier, were not allowed to be billed, that all medical care costs were covered under negotiated costs, that we were not liable for these bogus " co-pays ''. Bills were turned over to : PlusFour , Inc.    XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Plu s Four, Inc.  sent  XXXX  collections notice for an {$11.00} co-pay and a {$88.00} co-pay and when we disputed it, no further action was taken except to cloud our credit reports with collection claims and to attempt to force us to settle in order to remove the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX fraudulent accounts and fraudulent inquiries in an FTC report
Product: Debt collection

To Whom it May Concern ; This letter is being sent to you in response to the account ref in my the attached correspondence. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Product: Debt collection

I asked company for validation of debt which is not sufficient enough in showing I own this debt. The bill they sent shows a address I never lived at with a move out date. They also reported this debt to my credit while they were suppose to be validating this debt. This is a violation of my rights. They also did not include a tear off form that I can send back to them to dispute this debt.