23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2020, I began to fill out a 'solution for pain relief ' online. I had filled out the majority of the required information, but decided against the product, backed out and never submitted to finalize the transaction. 
In XXXX of 2020, my husband and I got several harassing phone calls from National Medical Administrator , Inc., saying that we were late on payment for a medical bill of some sort. They said that we owed {$230.00}, but would not indicate from whom this bill originated. 
I told her I had no intention of paying a bill that I had no idea what it was. Begrudgingly, she did tell me that it was XXXX XXXX, then provided me with a phone number to reach them after more prompting. 
However, i got online and found another phone number for TRS which I used instead, because I didn't feel I could trust the information she provided. 
I spoke with XXXX at XXXX out of Florida XXXX XXXX XXXX XXXX XXXX ... He told me I had ordered a shipment of XXXX XXXX, & XXXX XXXX  for {$110.00} EACH totaling {$230.00}. 
I asked him to check his records as I had never placed an order with them, nor had I ever received any of this product. He claimed that he had no way of accessing these records since it had already been forwarded to collections. He said I would have to take it up with the collections agency, since it was out of his hands. 
In early XXXX is 2020, I received the FIRST physical communication from National Medical ( see attached ) We're currently stuck in a loop between these two parties concerning a bill due for product that I never ordered, nor received.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 AT APPROXIMATELY XXXX, MY GOOD CREDIT SCORE DECREASED BY 4 POINTS. MY CREDIT REPORT IS FROZEN AND NO ALERT AS TO WHERE OR WHY THIS OCCURRED. I CONTACTED MEMBER SERVICES AT CREDIT COMPANY EXPERIAN, ONLY TO BE TOLD THEY HAD NO CLUE AS TO HOW OR WHY THIS HAPPENED. EXPERIAN ASSURED ME THAT MY ACCOUNT WAS FROZEN AND THERE HAD BEEN NO INQUIRIES ON MY REPORT. I WAS INSTRUCTED TO CALL FICO SCORE DEPARTMENT, WHOM STATED TO GET ANSWERS FROM EXPERIAN. 
I CONTACTED EXPERIAN FOR ANSWERS, ONLY TO BE TOLD MY CREDIT WAS IN GOOD STANDING AND WOULD PLACE A LOCK ON MY REPORT GOING FORWARD. HOWEVER, MY 4 POINT DECREASE HAS NOT BEEN RESOLVED OR IDENTIFIED. I EXPLAINED TO EXPERIAN I WILL ESCALATE THIS GROSS ERROR.
Product: Credit card or prepaid card

I placed an order with XXXX on XX/XX/XXXX and was sent in the incorrect item. Item was returned to XXXX with tracking confirming delivery. XXXX XXXX page confirms return received and refund processing but never actually received refund. 

Contacted Citi in XX/XX/2023 and was told to try and resolve with XXXX and that I can dispute within 6 months if not resolved. 

Contacted Citi again XX/XX/2023 and was told dispute in process. 

Contacted Citi again later XX/XX/XXXX because Citi started a fraud claim and close my card which was not what I requested. Citi representative said she fixed the issue Contacted Citi again XX/XX/XXXX because I still cant see any disputes and now Im being told none of the information I was given was correct at all and I needed to send a letter to Citi. The representative on the phone was not surprised or concerned at all that I had been repeatedly given bad information and claimed Citi Back does not guarantee the accuracy of information provided by their representatives and that I should not have trusted them. This is very disheartening to hear especially from a financial institution. 

In attachment you will find XXXX order and return page XXXX tracking page Citi card statement
Product: Credit card

Due to the covid-19 global pandemic I was unable to make payments on credit card debit. I went through a government program to help resolve this issue in XXXX. A judgement was filed against me on XX/XX/XXXX stating that I am to pay a Principal of XXXX Now I am receiving notice of execution on XX/XX/XXXX. This Discover Bank account was supposed to be a full discharge of debt. I need answers as soon as possible.
Product: Mortgage

I have previously complained about my mortgage lender BOA XXXX and XX/XX/XXXX both times they pretended to correct the reporting on my tradelines and did change them some only to add more incorrect reporting later on. Per ftc ruling no tradeline can show derogatory marks over 1 month past the filing date.They also transferred the servicing to XXXX XXXX and XXXX XXXX XXXX, who also placed deogatory marks on my tradelines.They have marked them as charge offs on the tradeline which is an additional derogatory beyond discharged in bankruptcy.In XXXX vs. XXXX the cras agreed to specific coding but they continue to violate the law.I dont care if they can identify me at this point i look forward to XXXX XXXX XXXX CALL I also would like to add that at no time have i missed a payment before during or after bankruptcy but this lender continues to try and ruin my attempts to rebuild my credit!!!!!!!!!!!!!!!!
Product: Mortgage

I have a home loan that i closed with the ledner i work with XXXX. The servicer is now LakeviewXXXX During that processing of closing the house ( being that it's a new build ) we projected the taxes based on the county tax rate and value of the property so that way i wouldnt have an escrow shortage. They did an escrow analysis prior to me being in the home for a year ( tax bill is out and has been out with the assessed value for this home since XXXX. ) During that analysis they did not review the correct information with the county and verify the taxes that are to be paid in less than 30 days. Now i have an escrow shortage and my payment has decreased which it should have NOT decreased. This is something that shouldn't happen, they should never do an analysis on the escrow prior to the bills being paid. Now i have to run around like a chicken with my head cut off waiting for a XXXX dollar check so i can make sure i can pay my taxes. Which SHOULD HAVE NEVER LEFT MY ACCOUNT until the bill was paid. This is terrible servicing and terrible customer service.
Product: Debt collection

I have been contacted by phone number ( XXXX ) XXXX repeatedly which when I called back was XXXX XXXX XXXX. 
I have no unpaid debts and I do not know why I keep getting these calls, I do not want to be contacted by this company and do not recognize any debts theyre contacting me for. I would like them to cease and desist all further communications.
Product: Debt collection

I called ECMC and spoke with a rep who stated we were on a recorded line. on XXXX around XXXX I advised her my name and that I was calling to figure out why they were reporting a balance on my credit report with an address that I never lived at. I proceeded to tell the rep that I can give her the account number that shows on my report. The rep advised that she needs to verify me by my address and social security number. Because this company is reporting an account that does not belong to me with incorrect personal information and from over 19 years ago which exceeds the statute of limitations AND they have exposed me to identity fraud by reporting inaccurate information. The amount reported on my credit profile is {$7000.00}.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered. 

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate The fraudulent and incorrect accounts are listed below :
Product: Debt collection

Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft.. 

I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously. 

I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company. 

Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX   reports
Product: Debt collection

Consumer Portfolio Account XXXX Consumer Porfolio account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation Consumer Portfolio Constantly call my home all day about this account Account was on credit report to be remove XXXX.credit bureau changed the removal date 2times..Please delete account from my credit report
Product: Mortgage

The enclosed Assignment of Mortgage filed in the XXXX of the City of XXXX on XXXX XXXX, XXXX, was manufactured in order to pursue an illegal foreclose action. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the XXXX ( XXXX ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a shell corporation with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed the enclosed Assignment of Mortgage as an ( Assistant Secretary ) for XXXX on XXXX XXXX, XXXX. XXXX publicly went out of business in the year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Bank account or service

I 've been a loyal customer with Paypal for over 12 years and would like to remain so if this is issue is resolved. Paypal charged my credit union twice when I never authorized them to. My credit union charged me XXXX overdraft fees costing me {$52.00} because of their actions. I will like Paypal to please have the courtesy of resolving this issue by calling me directly and paying for this over draft fee because of their actions.
Product: Credit card or prepaid card

On XXXX XXXX, 2020, I made a purchase for {$750.00} using my Chase XXXX card which is linked to my XXXX account. XXXX the purchase was made through XXXX using my Chase acct - but the complaint is against Chase XXXX. My credit card was charged right away, and the item ( that was being made overseas ) was shipped. Almost three months later, the item had still not arrived and tracking info was lost. I was concerned that the item would never arrive so I called Chase who advised me that I should probably open a dispute since I would only be able to do so for another few days from then. 

I did open a dispute and advised the merchant that I would cancel the dispute if the item arrived. The item did indeed arrive on XX/XX/2020 and I immediately called Chase to cancel the dispute. Chase re-billed me on XX/XX/XXXX and to date, the merchant still hasn't been paid. 

After calling Chase Claims dept. MANY times and finally asked that they track where my payment went. The paper trail ended with XXXX. I called and emailed XXXX claims dept and they said that in order to release the funds to the merchant, they need to be notified through Chase that the dispute has been cancelled and the case is closed. ( I tried sending the same written confirmation to XXXX but they wouldn't accept it coming from me - they need to hear directly from Chase in writing. 

I called Chase several more times to request that they notify XXXX about the cancelled dispute but they said they're unable to do so and that they already did. I repeated ( as I had during several previous phone calls to Chase ) that according to XXXX, the have NOT been notified by Chase and as far as XXXX is concerned, the dispute is still open. 

I have spent numerous hours trying to have this matter resolved. I paid {$750.00} and want the merchant to receive my money for the item that I purchased. 

PLEASE SEE SUPPORTING DOCS WHICH SHOW THE RE-BILL, DISPUTE RESOLVE CASE CONFIRMATION & MY COMMUNICATION WITH XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i settled an account with XXXX XXXX XXXX XXXX XXXX XXXX I sent the deletion letter to Experian and the did not delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on several occasions, I even emailed them also included my theft affidavit and still no response. I have disputed this account with the credit bureaus and still no luck speaking to anyone regarding this fraudulent account. I never had an account with this bank never even heard of this bank. I have requested that this be removed from my credit report. I have done my part and sent letters, contacted the credit bureaus as well as sent the company letters and no one will assist me. I never authorize this account and I want this off. When I checked my account its listed as a deposit account but on my credit its showing as a loan which also lets me know this company is fraud and according to the FCRA this is against the law. I am now forced to take legal action if we can't have this resolved. I have disputed this infomration with the Experian as well letting them know this account is fraud and experian is still reporting fraudulent activity as well as showing this as a tradeline I have never done business with this bank it even shows on the account deposit related so I am sure according to metro 2 compliance the fraudulent account was entered wrong in the system. I want this fraudulent account off my credit report seems to me both of these companies are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sold an account to XXXX XXXX XXXX. XXXX XXXX has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on Equifax. XXXX and XXXX have removed this inaccurately reported information. XXXX XXXX needs to be fined along with Equifax regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now Equifax is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the credit XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for XXXX XXXX which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed
Product: Credit reporting, credit repair services, or other personal consumer reports

i cheked my credit a few months ago. its not the law, I never had a XXXX  account I dont speak english the rep is very abusive with language. The other bureaus deleted it but equifax refuses. Its very diddiculy. I use a dictionary to write this. Please help. And XXXX  XXXX marked me late marked me late and I have automatic payments setup. the language barer. i need to keep my citizenship. this is not good for me please delete XXXX  and update my lates at XXXX  XXXX to never late. i was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never was late on XXXX  XXXX. I had automatic payments scheduled 100 % this is on my report You've made 42 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_status
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and noticed a change. There was an Montogomery Ward Credit card on my credit report being delinquent. I called the merchant and they check the account with my SSN, name address and said i do not have an account with them. The account that is listed on my credit report is fraudulent. This must be removed.
Product: Checking or savings account

I opened  a HSBC  checking account with promotion {$350.00} opening bonus after complete following task, " Received at l east one qualifying direct deposit per month into your HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' ( Exact copy from terms  ) In fact, I completed required direct deposit activities, but do NOT get my {$350.00} opening bonus, even after talk with banker as they still insist I do n't completed required activities.      Timeline  :  XXXX / XXXX / XXXX  Opening account  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

In early  XXXX  of  2017 , I recently got a copy of a background check from a company I was applying to work for ( I applied in late  XXXX     2017 ), alt hough it did not disqualify me it had an incorrect current address as my reported residence despite mailing me the copy to my current address ; for which it came as a discrepency in my reported address. In the report it has my current address as a former address ( which is in  XXXX    XXXX    ) de spite having the most current dates tied to this address and a   XXXX    address as my current address for which I only lived there for a short amount of time, about 4 months due to being stationed there with the military. I used this address only a couple of times, one being that I applied for a credit card out there and used that address in order to receive statements and qualify for the purchase I was trying to make.
Product: Credit card

I have multiple purchases Ive used my Care Credit credit card to pay for and they all have promotional deadlines where interest is usually waived if I pay it off by the deadline. I have been making payments to pay these off by the deadline, however Synchrony Bank appears to apply my payments in an arbitrary way ( instead of oldest debt first ), leaving me unable to actually meet the deadlines. For example : my newest charge made in XX/XX/year> for {$3800.00} has {$600.00} left to be paid, however my {$700.00} charge from XX/XX/year> is still outstanding with the full {$700.00} left to pay by XXXX before very high ( 30 % ) interest starts accruing. Synchrony should be applying payments to the oldest debts. I called and asked to apply my payments to specific debts to try to counter this but they wont let me.