23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im disputing medical bills that have been placed on my account from XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) and HARVARD COLLECTION ( XXXX Account Number ) Collection account. {$2200.00} past due as of XX/XX/2019 Ive previously disputed this information with the original creditors ( XXXX XXXX XXXX XXXX XXXX ) and have previously provided them a police report for identity theft. The account was then removed from my credit and now after various years they are trying to collect again. Please have this corrected as I have contacted them and they are unwilling to remove this from my credit. 

- Contact Info for Harvard Collection XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate items on my credit report. Inaccurate dates and amounts. I asked TransUnion to please provide me with the documentation they used to investigate my complaint. They refuse to send me the information or show me their method of verification.
Product: Debt collection

Misrepresentation. Threatening legal action when outsode statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Vehicle loan or lease

I have been not been employed full-time since XX/XX/XXXX and have been struggling with my auto loan payments and fell behind. I was fortunate enough to find full-time employment in XXXX and have been able to catch-up payments, and am now current in the month of XXXX. I have been reviewing my past statements, and saw several instances where when I am able to make payments, I was still assessed a late fee. The payment due date is the XXXX of each month, with a grace period up until the XXXX of the same month. I was in arrears by at least a month each month I made a payment, until XX/XX/XXXX. 
The details of the months where I was assessed a late fee, despite my paying on time for that month are as follows : 1 ) In XX/XX/XXXX, I made my monthly payment on the XXXX, yet was assessed a late fee on the XXXX 2 ) In XX/XX/XXXX, I made my monthly payment on the XXXX, yet was assessed a late fee on the XXXX 3 ) In XX/XX/XXXX, I made two payments ( XXXX and the XXXX ), yet was assessed a late fee on the XXXX 4 ) In XX/XX/XXXX, I made a payment on the XXXX, yet was assessed a late fee on the XXXX 5 ) In XX/XX/XXXX, I made a payment on the XXXX and made another payment on the XXXX ( to finally get caught up ), and yet was assessed a late fee on the XXXX. 
I called Bank of America and asked why I was being assessed a late fee in the above months, despite making my payments within the grace period. I was told that because I was in arrears, my payment were applied to the month ( s ) I was in arrears, which still makes my current month payment late and was assessed a late fee. This in effect charges me a late fee on top of a late fee, since despite the month 's payment was made on time, the application of the payment received to my past due from prior month ( s ) makes my current month payment negligible.
Product: Debt collection

Accts #   XXXX   Due {$30.00},   XXXX   Due {$30.00},  XXXX  Due {$30.00},  XXXX  Due {$30.00} These charges are inaccurate and ABSOLUTELY not mine. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Checking or savings account

HSBC froze my account on XX/XX/XXXX due to potential fraudulent activity. I do XXXX XXXX for a living and two of my clients pay me via direct deposit with part of their XXXX XXXX. The same two clients have paid me {$150.00} each year for over 10 years. When the 1st stimulus checks went out in XX/XX/XXXX they were deposited into my checking account. I instantly paid each person. Then the 2nd stimulus checks went out in XX/XX/XXXX and once again they hit my checking account. I instantly paid each person. After I XXXX XXXX XXXX XXXX XXXX I updated each account to avoid any future stimulus checks from hitting my account. However, on XX/XX/XXXX HSBC froze my account and they are accusing me of stealing funds. HSBC will not let me provide proof of payment to each person nor will they review the XXXX XXXX. In addition they will not contact my clients as proof that they have been paid for every XXXX. In addition to this, my mortgage payment cleared my checking account on XX/XX/XXXX and my account was froze on XX/XX/XXXX. HSBC reversed my mortgage payment on XX/XX/XXXX. Attached are copies of my clients XXXX & XXXX income tax return.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding zelles handling of disputes and transactions. Particularly in light of CFPB lawsuit highlighting the specific issues. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfesable. The CFPBs findings indicate that zelle has not only neglected to protect costumers but has also allowed repeat offenders to exploit the system, leaving users like me septiable to scams. The lack of accountability is unacceptable and raises concerns for consumer safety.
Product: Mortgage

Our mortgage is with Mr. Cooper and we have been having issues with this Lender ever since the data breach and the fact that when you call Mr. Cooper, you never get a live person. If you don't choose the options they give you, then you are disconnected. Very frustrating. 
Now, they have done two ( 2 ) Escrow Analysis Reviews and keep changing my mortgage payment. It continues to go up and it is very difficult to keep it going, but I am. Now, my question is this ... ... .Why do they keep doing this to us and possibly others? Are they trying to get more money into their bank accounts and earn the interest while we, as the Homeowners are trying to keep up. This is uncalled for and I demand some action from CFPB, please. Their statement says that " your taxes and/or insurance amount has increased which could cause your escrow account to fall below the required minimum balance ''. 
I have contacted our Insurance company and our insurance has NOT gone up. I've contacted my local taxing authority and they have not changed our taxes one way or another. SO WHY DOES MR. COOPER KEEP RAISING OUR MORTGAGE????? 
Something has to be done about this. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. I have never opened a checking account with XXXX and i have sent in my police report my FTC report to EARLY WARNING SERVICES and all they keep saying is its veried but they will not send me proof. I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY ACCOUNT AS I DID NOT OPEN THIS ACCOUNT and this is defamation of character.
Product: Credit card or prepaid card

My Freedom Chase card was closed without my consent, which harmed my credit score greatly. I tried to call them back to re-open the account and they said no. 

Once they decided to close it there was nothing I could do because they gave me no other options. 

This card was my oldest card and now it appears that I practically have no credit history, which is false. 

I just really want this card reopened because I plan to purchase a home but with my current FICO score it is going to be more difficult for me. 

I have attached a statement of the credit card that I am referring to below. 

Thanks, XXXX
Product: Debt collection

XXXX XXXX has placed two accounts on my credit file that are fraudulent. These accounts are Acct # XXXX and Acct # XXXX. Both accounts are fraudulent. When asking for verification of debt, these accounts are attached to an address Ive never lived at. I have filed an FTC Fraud report explaining this. The report number is XXXX. 

These accounts also show a different opening date and different credit limit amounts amongst the three credit reporting agencies. I have requested the removal of these accounts based on FCRA 15 USC 1681 1 ( 5 ) ( a ). Failure to remove these bogus accounts will force me to seek punitive damages through litigation.
Product: Debt collection

A XXXX XXXX branch has repeatedly placed fraudulent credit debt collection accounts for an amount that i do not owe, is highly inaccurate, and i am not accountable for. I had a XXXX phone account that was payed and ended in XXXX. The final bill was {$310.00} and I payed it and later ended my service. The company proceeded to illegally give my email, current account and following current number I had rights to by the service contract while it was still in use to another person. Then proceeded to bill and place a false report on my Credit for an amount of {$730.00}. This was taken down in XXXX due to fraudulence and inaccuracy by XXXX As XX/XX/XXXX they place another false credit report of a account debt collection for {$710.00} through another state. I have already tried to contact the company and deal with the problem during XXXX and I even did ask for a corrected amount to the account that I had payed during the final {$310.00} and to get the account info they where using and they not only denied services when I co-operated while willing to pay a reasonable amount to resolve the issues in a proper manner for services that i didnt even have. But Their info was also entirely incorrect on their company side down to who's name was on the phone number tied to the account to inaccurate amounts while having my ID in their services falsely blacklisted with incorrect info. I am at the point where I will no longer try to co-operate with them and would rather sue them for fasely ruining my credit and report their illegal actions.
Product: Mortgage

I purchased a building on XXXX XXXX in 2003. The property is deeded to me and I am a XXXX My son secured a line of credit using my property as collateral. He applied for the loan using his credit and income but used my property as collateral. He is a XXXX and the bank took the collateral without properly searching the title. I have a sales contract on the building and I am unable to close because XXXX Bank will not release the lien taken on my property. I have spoken to XXXX XXXX of XXXX XXXX and his supervisor. They keep stating they do not have a fraudulent loan. The loan made was not fraudulent however they allowed XXXX to pledge property as collateral which he has no ownership. The lien is invalid. XXXX XXXX will not give me any information about the loan and initially refused to speak to me because the loan is not in my name. Which is true and why they should not have taken my property as collateral. I am attaching the original deed to XXXX and the deed filed by XXXX Banking in XXXX name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Equifax Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization I PREVIOUSLY FILE A CFPB AND EQUIFAX AND XXXX TOLD ME THEY REMOVE ALL AUTHORIZED INQUIRIES ON AND THEY NEVER DID ON MY OTHER CONSUMER REPORT I ONLY HAVE 20 inquiries and equifax never removed the inquiries they claim thats not showing on my report I will upload proof that the inquiries stop showing on my report and proof that Equifax stating they removed them from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just received a hard inquiry notification off of my XXXX XXXX account made by : On XXXX XXXX, XXXX. 

XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have not opened any XXXX 's account recently. 

Thank you, XXXX
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT NO. XXXX - BALANCE {$760.00} XXXX. ACCT NO. XXXX - BALANCE {$780.00} XXXX. ACCT NO. 898205 - BALANCE {$1000.00}
Product: Mortgage

I moved XXXX in XXXX 2015. I had a contract on a house for {$560000.00}. I planned on putting 20 % down and obtaining a 80 % loan from XXXX XXXX. She informed me that I had XXXX late pays from BB & T on a HELOC loan I had with them on my house XXXX. I was livid because I knew I had on late pay in XXXX of 2015. The credit report showed XXXX late pays, XXXX in XXXX and XXXX in XXXX of 2015. I called XXXX XXXX and XXXX XXXX of BB & T to find what was happening. I was never able to get a definitive answer from either man. Only after numerous calls from XXXX XXXX of XXXX XXXX was I able to get a letter from XXXX XXXX ( letterenclosed ) .I was only able to get a first lien from XXXX XXXX for {$410000.00} at 4 1/2 % and a second lien from XXXX for {$38000.00} at 5 1/2 % because of the erroneous late pays turned in by BB % T. Now, 5 months after my closing, I went back to XXXX XXXX to obtain a new loan that would reflect the current loan market. What do I find. The new credit report she obtained had the same XXXX late pays from a year earlier. BB & T failed to do their due diligence and I was having to suffer the consequences again.
Product: Debt collection

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/17 balance {$310.00}. XXXX XXXX  This was an XXXX credit card. I never had the card physical card. There was a charge or {$30.00} some dollars on it that I did not purchase. Then the late fees started to add up and now its {$310.00} for which I did not use. I refuse to pay for something I didnot purchase. And when I spoke to XXXX they said they closed the account and all the charges were resolved but then a few months later I get this letter that it went into. collections.
Product: Debt collection

Seen at XXXX XXXX XXXX XX/XX/XXXX. XXXX filed with insurance. Insurance sent back statement they had to discount and not charge me {$140.00}. XXXX has been contacted many times by me and my insurance company. I received a notice from MediCredit Collection agency XX/XX/XXXX. XXXX sent the {$140.00} to collections. I contacted MediCredit to dispute. One the phone I was told that even if I dispute in writing, email, etc. MediCredit will not remove collection unless XXXX says I do not owe the {$140.00}. Insurance company told me not to pay the {$140.00}, I did not owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to comply with 15 USC 1681s-2 ( b ). Equifax is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Equifax failed to conduct a reasonable procedure by their own industry standard of Metro 2. XXXX failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Equifax failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. XXXX failed to report consecutive 24 months of payment history. Failing to report accurate DOFD presents willful noncompliance. 
In conclusion, Equifax has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Equifax is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Checking or savings account

I have a XXXX Goldman Sachs XXXX. On XX/XX/XXXX, I deposited {$10000.00} from XXXX XXXX XXXXXXXX XXXX checking account into my Marcus account. On XX/XX/XXXX, I deposited another {$36000.00} from my XXXX  account into my Marcus account. On XX/XX/XXXX, I made the decision to purchase a new car. On XX/XX/XXXX, I submitted a transfer of {$48000.00} from my Marcus account back to my XXXX XXXX XXXX checking account. On XXXX, I received a call from Marcus notifying me that my account was under review. When I asked why, they were unable to provide me any information at all. They simply said I would have to wait weeks for their team to get back to me. On XXXX, I noticed that the transfer I made on XX/XX/XXXX was reversed. I contacted Marcus support by online chat to ask why. Again, I was told that my account is under review, but was not told any information as to why. They again said I would have to wait. I am now unable to purchase the vehicle because I am unable to access my funds.
Product: Debt collection

I HAVE ALREADY TOLD THESE PEOPLE THAT THE DEBT IS NOT MINE AND THEY ARE CONSISTENTLY CALLING ME FROM DIFFERENT NUMBERS.
Product: Money transfer, virtual currency, or money service

I purchased a product from a retailer and subsequently returned it. The return was accepted by them on XX/XX/XXXX and was confirmed that it would be sent back to my original form of payment within 2-3 days. As of today, XX/XX/XXXX I still have not received it. I called Coinbase to inquire and they confirm that they do show there is a refund waiting for my account and has been sitting there for 3 days, but they are having issues crediting it to my account. They said they have to open a ticket and send me an email which could take another couple of days. Unacceptable. Theyve admittedly held my money for days without giving me access because they dont know how to give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, 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. 
XXXX  Accounts # XXXX, 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 an 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 of convictions of crimes which antedates the report by 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.