23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MEDICREDIT INC. a collection agency, has placed several damaging remarks on my credit report ... I have no knowledge of these alleged debts. They attempting to collect for : XXXX XXXX XXXX 3 different amounts, {$510.00}, {$550.00} and {$2200.00} I never received any written notice of this alleged debt nor did I received notice of my right to dispute or request validation of this debt ... a debt that this agency has already reported as valid when in fact it is not. 

The notice serves as my formal complaint pursuant to the FAIR CREDIT REPORTINT ACT and FAIR CREDIT BILLING ACT. 

This agency has clearly violated my rights as a consumer
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 1681. 

Account Name : 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, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have rights 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.

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.
Product: Credit reporting or other personal consumer reports

I completed a XXXX XXXX  bankruptcy and it was dismissed. My mortgage company Selene Finance gave me a new loan of which IO have been making my monthly payments on time, in the amount of {$2400.00} for 9 months. These payments are not being reported on my Credit report and they are refusing to do so.
Product: Debt collection

My son underwent a XXXX and the hospital sent us a bunch of bills to pay. Although the bills were confused and disconected, my insurance dealed with the hospital and covered 100 % of them. 
However, the hospital sent the bills to Revco Solutions ( collector ) that has been sending me often collection letters. I sent them several times the payment proofs. But they don't stop bothering me with collection letters and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file 4 disputes to Experian and XXXX about a bankruptcy that is not mine but it keeps coming back verified. The address that reports the bankruptcy is a address I never lived. I called the Bankruptcy court in my city and they informed me they do not give out information to the credit bureaus so I asked Experian and XXXX  their method of verification of how this debt was proven to be mine. XXXX  could not verify that this bankruptcy was mine and therefore deleted the bankruptcy from my public records, so how Experian and XXXX  were able to verify such thing. This experience has cost me homeownership because this is not my bankruptcy and I have no documents from the court stating I filed bankruptcy. I have included a screenshot of XXXX  public records section showing none.
Product: Checking or savings account

XX/XX/XXXX {$5000.00} wire transfer to XXXX XXXX. 
XX/XX/XXXX & XXXX wire transfer to XXXX XXXX. 
XX/XX/XXXX {$21000.00} wire transfer to XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX for XXXX My account was completed lost. I never received any notification from the back about unusual activity. Multiple complaints filed with USAA. Fraud at USAA completed an investigation and found it was not fraud in their opinion. Was informed there was nothing else they could/would do. 

XX/XX/XXXX Police report filed with the XXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX TXXXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired onJan XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXXUInquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired onXXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX 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 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX Account name : 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 a 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.
Product: Credit card or prepaid card

I contacted  Wells Fargo Bank  on the   XXXX   XXXX   XXXX   XXXX    , and asked that my Secured Card account be closed, and that the collateral money  ( {$500.00} ) be t ransferred to my checking account within the same banking system. I called them back on the   XXXX   XXXX   XXXX  , and was assured that the monies were cleared to be placed into my checking account. I checked my checking account on the   XXXX   XXXX   XXXX  , and noticed there were no changes. I called the banks headquarters in   XXXX   XXXX  , and was told that they were going to handle my financial affairs for 60 days.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

I 'm still awaiting a final payoff letter from Citizens One, formerly XXXX Mortgage, and it improperly threatened to charge me a fee. I need the payoff and lien release ASAP because we are trying to close escrow on the subject home. I have asked for the account to be closed several times, including in writing. 

I did not even know I had an account with XXXX Mortgage. XXXX XXXX XXXX transferred my XXXX mortgage there several years ago even though I paid off the debt with XXXX XXXX XXXX. I only found out about it because the escrow company discovered it during escrow proceedings. 

After XXXX of my many calls and a letter to Citizens One, they again confirmed that my now home equity loan has a zero balance. They then faxed me a statement showing a {$25.00} balance for a fax fee, asking me to send them a certified check to close the account. I called to contest the charge because I had never heard of or authorized it, and a supervisor agreed to reverse the improper charge. She also said she would have the company fax me a final payoff letter to close the account the next day. I still do not have that document, and it has been a week. 

Please contact them and make them close my zero balance loan and send me confirmation so I do not get penalized in escrow. If I do, I will seek compensation from them. I would also appreciate some payment from them to compensate me for the hours I have lost dealing with them.
Product: Money transfer, virtual currency, or money service

Coinbase  XXXX # : XXXX I have been a Coinbase customer since XXXX. I have several crypto currencies in my account for years. I wanted to send crypto to another Coinbase account of someone I know personally. On XX/XX/XXXX I was able to send {$XXXX} worth of XXXX to said person. I wanted to make sure I had the correct XXXX address just in case something went wrong on the transfer. The {$XXXX} of XXXX went through immediately with no issues. 

I then attempted to send XXXX XXXX to the same account I sent the {$XXXX} of XXXX to. Coinbase didn't allow this transaction to complete and I received a message saying my account was " restricted '' from transferring crypto until XX/XX/XXXX! No explanation was given why. 

I have updated all of my Coinbase personal information and XXXXoinbase verified that I was successful. I assumed this would remove my restriction. Nothing happened, my account is still restricted.

Coinbase has dozens of customers who have posted similar experiences on social media channels. Coinbase will not give anyone the reasons why their accounts are restricted. Please help and make Coinbase stop doing this especially without giving customers ways to resolve the issues. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. This is a dispute that DEPT OF EDXXXX XXXX also known as Department of Education XXXX XXXX is reporting late payments on my personal credit report that are inaccurate, incorrect, and false. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). The reported dates of the late payments are inaccurate. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Product: Credit card or prepaid card

XXXX XXXX XXXX Account numberXXXX routing number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX I used to have a credit card from them when I called about too many complaining in my credit card they close my account. And they charge me a lot of fee. XXXX My Social Security XXXX XXXX
Product: Credit card

Since I was involved in an attempted murder injury I have been trying to get my Capital One bill payment reduced or forgiven. I had made several attempts to remove my linked bank account but the system would not allow me to make such changes and I could not get any assistance through customer service before the account was closed. 

On Friday, XX/XX/year>, Capital One processed an unauthorized payment through my bank account for {$200.00}. Removing these funds forced me to cancel medical treatments causing financial, emotional, and physical harm. 

On Wednesday, XX/XX/year>, I called Capital One again to recover the unauthorized payment of {$200.00} informing them of the lack of medical care, and emotional as well as physical harm it caused, to no avail. Once again they refused to provide any compassion or follow Federal Trade and XXXX codes or ethics. My conversation with Capital One was recorded and is available per request. 

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

I called Experian to address some issues and I came across a call with a lady name XXXX from the XXXX XXXX. She refused to help me with the issue was very irrate.  She refused to transfer the call to her supervisor  and refused to give me her last name. I also informed her that the call was being recorded as well. This company customer service is really bad and try to belittle you. I had have include screenshots of how long she has me on hold to speak with another rep
Product: Credit reporting

XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.
Product: Debt collection

On XX/XX/XXXX I received a notification a derogatory account was reported on my XXXX consumer file. I contacted the company to inquire about this account due to the fact the account in question was disputed through credit bureau bureau from XXXX to XXXX. Orion was unable to resolve. 

I did not authorize XXXX to sell my personal information to Orion 's agency as a term or condition on or before XX/XX/XXXX. 

I had no knowledge of this account created by and between XXXX XXXX and Orion against a crime victim.
Product: Checking or savings account

In XXXX a thief ( most likely inside employee ) opened checking account XXXX XXXX XXXX at Truist Bank XXXXwent online IRS .gov requested that my XXXX {$1400.00} stimulus check be deposited into their account! When error was recognized, I contacted IRS who instructed me to wait to file XXXX IRS tax before any trace could be started. Followed all their instructions as they determined I had identity theft completed required IRS forms but still no action- contacted XXXX XXXX XXXX XXXX XXXX where advocate supposedly has been working on my behalf so therefore IRS refuses to discuss this matter with me. 
Waited and waited but no new updates according to advocate. I contacted Truist Bank Financial Crimes Analyst XXXX XXXX who sent me email on XX/XX/XXXX stating I can confirm that the account the funds of {$1400.00} is not reporting to you nor did you have access to it. That account does present fraudulent red flags. I hope this helps and the IRS can use this to send you your funds. During conversation she indicated that IRS needed to contact Truist Bank and request funds be returned to IRS so IRS could reissue money to me. 
So now I relay message to advocate who again contacts IRS- now I wait and wait and wait and with each inquiry advocate says IRS working on it!! XX/XX/XXXX I called Truist Bank again but now have new representative in fraud department- XXXX XXXX XXXX XXXX stated Truist Bank is aware that my XXXX stimulus check was deposited in bogus account which was quickly closed out after deposit and owners name is confidential due to privacy laws. I asked her if IRS would send request to Truist Bank to refund {$1400.00} back to IRS would they comply? XXXX stated it is IRS fault that they sent to wrong account number and it is clearly their problem! She advised me to call IRS and request they open dispute- and I explained that disputing is exactly what we have been doing for past 2 years. I need someone to encourage Truist Bank to be honest and either refund money directly to me or refund back to IRS so can be reissued to me. And hopefully you can refer me to someone who can investigate these fraudulent accounts since Truist Bank is not willing to acknowledge or accept accountability for these transactions in their bank??? Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran multiple times on the same date I called Lexus and Toyota financial multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX ******* XXXX XXXX XXXX XXXX XXXX 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

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.
Product: Debt collection

Diversified recovery bureau continues to call family members around the country asking for me. There number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries listed on my credit report that have resulted from a recent data breach, in which I was a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : 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 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: Debt collection

Never received any written notification about the alleged debt being reported on my credit files. The information is false and does not belong to me. I sent this company a letter for verification three times. I have no ideal what this is and has never received a response back. I received a letter from XXXX informing me that my SSN was breached.
Product: Mortgage

Select Portfolio Servicing supposedly took over the Servicing of a purported mortgage in my name around XX/XX/XXXX. Select Portfolio Servicing ( SPS ) misled me by telling me I had to miss three consecutive monthly mortgage payments to be eligible for a loan modification after my monthly payments more than doubled and the housing crisis caused the value of my home to plummet to less than the amount I purchased the home for. Despite numerous applications for a loan modification, demands to see the wet ink note under MA law, attempts to resume monthly payments, Appeals, and more, I was put through such a nightmare of constantly submitting, resubmitting documents, dual tracking, unfair debt collection practices, and an unlawful foreclosure auction held on XX/XX/XXXX.on my  property. SPS is a debt collector unable to foreclose on property. They are not licensed in MA, They have foreclosed on numerous properties in MA and are still in the process of foreclosing on other properties. They represented themselves to me as a servicer for a purported mortgage in my name held by XXXX XXXX, yet XXXX XXXX, XXXX. has no records of me. My original mortgage was two subprime mortgages with XXXX XXXX XXXX   100 % of the purchase price of the property with adjustable rate mortgages. One, with a  balloon payment, which was not explained to me. XXXX XXXX XXXX XXXX went out of business around XX/XX/XXXX. Supposedly, my mortgage was transferred to XXXX XXXX, as trustee for XXXX XXXX XXXX, as mortgage backed securities XXXX without my consent. The recordings at my local Registry of Deeds on the transfer of assignments are signed fraudulently by known robosigners and are self-serving. These records are now being used against me in a Court of Law to obtain possession of my home and evict me. I am a XXXX widow trying to defend myself in a Summary Process eviction attempt. The XXXX and intentional infliction of XXXX XXXX thats been inflicted on me by Select Portfolio Servicing has created severe health problems for me causing me to miss Court deadlines and hearings. There are numerous issues of law involved including contract law, unfair debt collection practices, illegal securitization, illegal foreclosure and fraud.