23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ask for a validation on 3 medical collections I received a response back for all three accounts & did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Student loan

I started my consolation in XX/XX/XXXX, My school loans total XXXX but the payment was XXXX per month so when with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, XXXX to reduce my month payments. I had a full time job but I work for a XXXX  company and had to pay child support. My budget was fixed. Few years into my plan with them they offered to me a discount for non-payment.

So for many years until present time they had a system that pushes me off my plan after a year or so. In the beginning year I would be reminded and helped with the paperwork. Later year, they were NO help. There answer was always to put me on forbearance for six months. Which put more money on my loan and interest too. It was a scam so I could never pay this loan off. In XX/XX/XXXX, I had taken school loan out and pay them off before ten year because it wasn't a scam.

More then that I when qualified for program for working for a XXXX the more difficult they became. I sent them a copy of my income taxes but they didn't due anything to fix my problem. I got paperwork back into them and they did nothing to help fix my payment problem. For over a year they locked me out of web system but wouldn't help unlock to get my loan straighten out. Nobody would help by phone and they would push me back to a locked system. My loan when from XXXX to XXXX because they locked me out of the system. These last two year I steadily pay them XXXX a month because they would help fix my payment plan. They locked me out of payment plan all together and try to false report that I wasn't paying them XXXX a month. They reported on my credit report that I didn't make any payment but I pay XXXX a month.

This company even advertises on the radio and I called them for help from the commercial. They refused to help me telling me that I need to send in my income tax again. I did but no help. There answer always to put the loan on forbearance, which jack the amount of the loan up.

This company uses unfair credit practices. If I had a normal bill month that I could pay then I would. I've had this loan payment for more then 15 years but it only went up even though I paid almost every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I was contacted by XXXX XXXX XXXX, I spoke with XXXX about account number XXXX. I explained I was not working and was requesting a verification of this debit via my mailing address. XXXX told me I assure you that we don't mark up our debit, I asked again to get a verification breakdown of the original debit and how much it was bought for, again XXXX said he couldn't do that. I asked to speak to a supervisor and he transferred me over to his boss. I explained to him that I was not working and looking for a breakdown of how much it was bought for as well as the cost it was bought for by midland. The supervisor stated that couldn't be done since they were a third party collection. I proceed to let them know I would be disputing this account with XXXX. After speaking with XXXX I was notified that they couldn't find anything on my credit report and original account was made a XXXX dollar balance and sold for pennies on the dollar. I asked them why then I would be getting a pre legal notice and I was informed that It was a scare tactic or threat to get me to pay it. So I called midland back at the XXXX number, I referenced account # XXXX. I spoke with what I guess would be called a general phone dispatch. I asked to speak with dispute department in the Consumer Support Services department, He said I am not sure what you are referring to. Again I said I want to dispute this bill until I get verification on it. He transferred me to XXXX again who I told me I was willing to settle today for XXXX XXXX since XXXX told me the original amount was XXXX out and bought for pennies on the dollar, as well as a Verification and breakdown of the debit for how much it was bought for and to send verification to my mailing address. He transferred me to his boss who I previously spoke to. I once again explained to him that I wanted verification in writing sent to me and that I am entitled to that, if not provided with that I would be filing a complaint. I also offered to settle for XXXX  XXXX with the information that XXXX had to passed on to me, asked why it was a pre legal notification if it has not hit my credit report yet. The boss stated that's why it's pre legal so we can settle, I offered to settle for XXXX XXXX XXXX   that I had in my pocket after explaining to him I was no longer working. I asked once again for a verification of this debit. I was told no so he asked if I wanted to hear my settlement options I said no I want verification and to dispute this. To contact them I have to call XXXX they are based out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, however they call me from a Arizona number of XXXX. So like I have stated I wanted a breakdown of the whole debit I much the original debit was bought for in a verification letter of the debit sent to my mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to the creditor and the credit bureaus advising them that the accounts are outdated and Paid in Full. The tradeline should be removed from my credit profile because it exceeds the statue of limitations on credit card and medical debt in the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$160.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$680.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX & XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$97.00}, XXXX XXXXXXXX Balance : {$770.00}, XXXX XXXX Balance : {$770.00}, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX, XXXX Original Creditor Name XXXX XXXXXXXX XXXX Balance {$5300.00} ; XXXX XXXX  Original Creditor Name XXXX XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$280.00}.
Product: Credit reporting

Transunion has consistently allowed XXXX XXXX XXXX XXXX to report accounts that were protected and included in a 2008 bankruptcy to my credit profile. XXXX XXXX has failed to comply with the Fair Credit Reporting Act with the help of Transunion by using them as a means to attempt to collect a financial debt that is no longer legally responsible for re-paying. Transunion has failed to review my evidence and continues to accept the creditor updates. After many failed attempts at trying to resolve this matter, XXXX XXXX and Transunion leave me no choice, but to take legal actions against them. I am not delinquent on any mortgage account with XXXX XXXX XXXX XXXX because I do not have an obligation to pay any balanced owed or due in accordance with my bankruptcy discharge injunction. My injunction is a permanent injunction. Transunion and XXXX XXXX are in violation of both my injunction and the FCRA by reporting an account for greater than 7 years in a delinquent status. Those accounts should be removed after 7 years. XXXX XXXX re-aged the account in order to continue reporting on the account. XXXX XXXX reported that account with a derogatory status beginning in XXXX of 2008 ... nearly 8 years ago as a bankrupt account. Since they know they ca n't legally report on this account any further they know that the incompetent staff at Transunion will accept their paperwork and ignore that of the consumer. Transunion is irresponsible in their duty to protect the consumer from prohibited practices and false reporting. Transunion is the only CRA that is allowing this practice. I am going to take legal action against Transunion and XXXX because this is my final attempt at getting the to correct the problem. I have attached a letter from my attorney that clearly states I do not owe XXXX any money and they can only enforce the lien.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification on my phone someone used my social Security number to apply for credit card and load without my permission and I would like to remove those 4 hard inquiries off my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.
Product: Debt collection

XX/XX/23 M.A. Kirkorsky.P.C initial introduction to me was by XXXX. delivering to my address a foregoing copy of a subpoena in a civil case with a case no.TJ2006. The subpoena disclosed misleading information about me. Kirkorsky 's listed local phone no. that is identified and named ; debt collector, the business address a po box denighing me reasonable communication. Kirkorsky did not follow-up with me regarding the subpoena Kirkordsky neglects providing me with a debt verification, has not given me the option to dispute the debt. XX/XX/23 Kirkorsky has court filed ( 2 ) consecutive affidavits under the case no.XXXX.seemingly a case that's expired Arizona statue of limitations. XX/XX/23 a second notice of subpoena to XXXX XXXX Bank collectively gathering my current to past personal banking records. I was not XXXX. mailed a copy of that subpoena the XXXX banker sent a copy of the ( 2nd ) subpoena. XX/XX/23 XXXX XXXX  complied with the order and Kirkorsky has been delivered those personal account records.
Product: Credit card

Hello there. 

I tried to cancel my AAdvantage Aviator... XXXX ( ending numbers ) because I no longer used it. I called to ask them to cancel the card about a day after the XXXX XXXX  yearly fee processed. I was on hold for a very long time and finally I spoke tot someone who said we will process your card and give you the {$99.00} back since you no longer will use the card inn the coming year Since then I have called the company5 times. I would wait on hold for half an hour and then they would drop the call and hang on. The 3 times I actually spoke to someone they told me my account is closed and they are working on returning the {$99.00} to me, and that need to wait and its a process, but my claim for the {$99.00} annual fee has been submitted. 

The credit card kept the balance at {$99.00}, and because I was waiting for the refund I never paid it. This went on for months and I keep calling them with no answer, inn the manttine my XXXX XXXX dropped down XXXX points because of non payment for this card. I gave up and paid the {$99.00} fee because I did not want it to go even lower. 
To this day th credit card has not given me a refund of {$99.00} My XXXX XXXX fell so much - I am attaching images of what happened, because they kept this {$99.00} on my account and didnt close it until after I paid, even though I called them a few days after they Billed me.. 

I am appalled at there service, please help XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/year> I added XXXX dollars to my XXXX account from my personal bank account linked to the XXXX account. I let a couple days go by before using the money so on XX/XX/year> I went to make a purchase that declined. When I looked at the account I was instructed to go to my email associated with the account. When I did I found that XXXX had frozen my account due to what they stated was suspicious activity. I had added the money from my personal account that I linked to XXXX and have made transfers before with no problem. For some reason now my money is being held from me. This is suspicious on XXXX part. I called XXXX customer service and they stated there was nothing they could do about the hold on my account. I put in my personal identification as well as verified myself and accounts they suspect is suspicious. I spoke with a supervisor XXXX whom stated that when I asked what the process is for unfreezing an account stated it was up to the account recovery team and could not tell me what was going to happen. He stated I had to wait for them to email me regarding my money.
Product: Consumer Loan

I have had to pay around XXXX or more in interest to EZ pawn on my loans. I took out a XXXX loan that costs me XXXX a month on the extension and a XXXX loan that cost me XXXX per month on the extension on top of the XXXX interest no a 3 month loan. I have had to repawn my stuff over and over and am loosing all of my jewelry. I feel that I am being overcharged.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, there was a charge for XXXX on my wife and I 's joint card. From this point, we requested the charge to be reviewed and requested new debit cards as we assumed someone hacked our account or there is some form of fraud taking place which is the case. We replaced all of our bank cards and the security team reviewed the transaction, indicated it was incorrect and credited us the XXXX cents. Then on XX/XX/XXXX the charged was reapplied to our account. My wife then called on XX/XX/XXXX and indicated the charge was incorrect once again and the case needed to be reopened. I then followed up with a phone call as well indicating something similar on XX/XX/XXXX. Today ( XX/XX/XXXX ), I followed up and spoke with the dispute resolution management team once again and they indicated the case was closed again on XX/XX/XXXX, apparently after we called, the security team conducted their review and indicated the charge was " authorized '' from us. The women I spoke to this time indicated she will make a note and have the security team review it once again but the reason it was reapplied was due to inconsistent evidence or information. They are indicating that the charge came from my card and I used my pin to obtain the funds from an ATM which is not true. To summarize, there is a charge of XXXX on our account that is not from us, Huntington does not have enough information to properly determine if the charge came from us as the charge took place on XXXX XXXX in a county we do not live in, yet we are stuck with the charge due to their lack of information?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX of XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. 
These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

I've sent correspondences to the agency to VALIDATE the debt over 30 days ago and they have failed to do so. I also mention that correspondences have been filed in XXXX XXXX Court of Records.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX