23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent the following HIPAA letter to Bull City Financial Solutions : Dear Bull City Financial Solutions, After viewing a copy of my credit report, I noticed two collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


When they responded they did not supply me with validation but clearly stated verification. They highlighted numbers on the paper and showed proof that they had knowledge of what procedures I had done and on what dates with what provider. I believe this is a violation of my HIPAA rights and they should not have this information.
Product: Vehicle loan or lease

State Farm is over charging me for the prepayment penalty fee and do not want to refund us for the fees.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries on my credit report for the third time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. 

It is perplexing and deeply concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. 

Given this is my third attempt to rectify this matter, I demand an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Sent eqifax closing letter from original collection company Had collections removed from XXXX and XXXX some reason eqifax keeps reporting
Product: Credit card or prepaid card

My complaint is for non-disclosure. On XXXX XXXX, 2022 I noticed two unauthorized transactions on my Navy Federal XXXX card for XX/XX/2022. I called Navy Fed to dispute the transactions and they told me that the charges were from an authorized user. As the owner of the account, I froze the account with the authorized user months prior to the transaction date. Navy Federals policy is that authorized users can not make changes to the account and only the owner of the account can. My complaint is that as the owner, I froze the account and the right to any changes only belong to me and the authorized user should not be able to make the change to unfreeze the account. I immediately contacted Navy Fed to dispute these charges and asked for clarification regarding the policy and disclosure. Navy Federals Credit Card department Managers were not helpful and told me there's nothing that I can do. Again, I'm the owner of the account and Navy Federal should be more detailed in their disclosures regarding who can and can not make changes to the account. I'm filing a civil suit against the authorized user but I strongly feel that Navy Federal is just as responsible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding errors present in my XXXX credit report that have potentially caused me to report inaccurately in my financial dealings. As a consumer who values accuracy and integrity in financial reporting, I am deeply troubled by the impact of these inaccuracies on my credit standing. 
The consequences of these errors have been significant. Not only have they affected my ability to make informed decisions, but they may have also led to inaccurate reporting in situations where I was required to disclose my financial standing. This has caused unnecessary stress and could potentially harm my reputation as a responsible individual. 

I kindly request that the CFPB investigate the company XXXX and correct these discrepancies promptly and provide corrections where applicable. 

Thank you for addressing this matter urgently. I look forward to a resolution.
Product: Debt collection

IC Systems ( XXXX XXXX XXXX ) has called my home phone number multiple times since XX/XX/2017 looking for an " XXXX XXXX XXXX XXXX '', a person who does not live at this home. Has demanded multiple times confirmation of this address, as well as previous addresses.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these has violated my rights. 
15 U.S.C 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. 1681 s-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, 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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$960.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/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: Money transfer, virtual currency, or money service

This is a complaint against the company " Venmo '' owned by Paypal. On XX/XX/2022, I tried to withdraw {$200.00} from my Venmo account. I saw a message on the app that my account had been suspended. I contacted support, and they would not tell me why my account was suspended. They would not let me withdraw any of my money. They said they would contact me within 2 weeks. I am looking for a resolution to this problem to get my money, as Venmo has no incentive to ever contact me.
Product: Student loan

I am XXXX years of age and have a student loan amount of {$42000.00} with Navient since XX/XX/XXXX. The loan was transferred to Navient from XXXX. I do not deny that I have a loan, and I am making monthly payments. However, I just noticed that none of my monthly payment amount of {$290.00} is going towards principal. For example, my XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of {$290.00}, and I was aware that there would be a late fee. However, {$280.00} was put towards interest and {$17.00} went towards " fees, '' and XXXX went towards principal. I have n't had anything paid towards principal since XX/XX/XXXX when I made a larger payment so that more would go towards principal. I contacted Navient and spoke with someone who was obviously from a XXXX country and was told that the interest amount is paid first, then the principal. I tried to explain that nothing went towards principal and she agreed but still said that is the way they apply the payments. At this rate, I will never pay the loan off. This has to be illegal. Even pay-day loans put something towards the principal. I understand that there was a class action lawsuit against Navient, but I was unaware of it at the time. I would appreciate any assistance that you can give me. Please contact me if you need my loan number. I will be more than happy to provide any information you need from me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The company that I am disputing is Credit Consulting of XXXX Ca Today XX/XX/XXXX XXXX XXXX I was contacted regarding a debt I have under XXXX the debt was put in collections in XX/XX/XXXX and was contacted by them soon after to collect the debt I set up a payment plan with them and paid all of the payment of the 780 balance except for the last one of 80 they called me today to collect a total balance of XXXX which they said is because I did n't pay the last payment in XX/XX/XXXX they began to charge interest to the balance which I was unaware of and when I asked if that was in a signed contract she said no I do n't see it here I also asked her it 's XX/XX/XXXX why have n't you tried to contact me she said we did once after your missed payment in XX/XX/XXXX and I asked her so no other communication since then and now you are calling to collect a date which has been collecting interest I even offered to pay the initial balance which they declined I was told yeah just call us back when you get a job in a rude tone by the manager
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized and fraudulent inquiry from CAPITAL ONE dated XXXX has appeared on all three of my credit reports ( XXXX, XXXX  and XXXX ) and has affected them and my scores negatively. I contacted the CPA 's and filed a dispute on this inquiry that I did not authorize. Please investigate and remove this inquiry from each of my credit reports. Thank you.
Product: Checking or savings account

On XX/XX/XXXX -A unauthorized transaction was made where google it showed XXXX taking XXXX $ when. I disputed it chime gave me a provisional credit but then later reversed it when I did my own investigation XXXX told me the transaction was never completed and provided a transaction Id. Chime mad my account almost XXXX . When my SSI got deposited they took all of it for my account being overdrawn. They keep opening my credit builder account without my permission and not reporting the correct account information or payments made every month. When I told them they refused to correct any of the issues. I became XXXX  cause how they grossly and purposefully handled my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's a very old bank account with XXXX XXXXXXXX XXXX that was paid in full then closed. It's being reported monthly to XXXX by TEK COLLECT. Unsure why. 
Called XXXX XXXXXXXX XXXX  on XXXX, spoke with XXXX who informed me he had no idea why. Called TEK COLLECT also on XXXX, spoke with XXXX. I gave her the account # XXXX which is what's listed for their agency on my XXXX credit report, and XXXX could find no information in her computer on me. 
This is a very negative mark on my credit that has prevented me from opening a new bank account, and getting a home loan. I'm unsure of how else to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was dismayed once I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Student loan

I have been trying to get my payments lowered to where I can afford them. Navient is telling me I am basically out of options and that I need to consolidate my loans with direct loans to get other payment options. I have no problem paying on my loan, but I can not give them the amount they want at this time. They are not working with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

With XXXX XXXX Credit Card they are showing late payments during COVId I moved hadn't gotten bills and asked the to remove the negative and they haven't it's 3 negative not payment history under 15 US Code 1666 late payment can be removed XXXX is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Product: Checking or savings account

I called the bank today in regards to my disputes for {$7500.00} and was spoken to in XXXX XXXX XXXX I was very confused as to why I was being discriminated on because of my XXXX but this is linked to a dispute from Bank Of America EDD card I was very confused as to why every representative told me they couldn't wave my overdraft fee for {$36.00} also I was in the XXXX XXXX in XXXX, California and we were being helped and a banker told me how to 'pay my bills ' I feel like she harrassed me because I am XXXX and it made me feel uncomfortable like XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the bank on camera saying XXXX XXXX XXXX XXXX XXXX XXXX XXXX I think I want my disputes forwarded to the manager and please fire her also I want a claim form for civil rights lawsuit I am XXXX please help anything helps for my pain and suffering. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several years my addresses on my report have been inaccurate, my DOB has been inaccurate, and credit inquiries that are not mine have shown on my report. 

Ive been unable to access my report ( only through XXXX XXXX ) the other 3 require identity verification that doesnt apply to me. I contacted an attorney to help, who was actually able to pull a good portion of my report and 90 % of it is inaccurate which leads to the denial of any attempt to receive a loan or credit. I am unable to dispute said inaccurate information due to the fact that every single component of my report is wrong. 
I can not log in to any of the 3 bureaus, and those bureaus, no matter how many times Ive called or sent in my personal info, changes nothing. My disputes have not been investigated or applied. 

I have been denied for every loan, credit card Ive tried to get. even the ability to verify my identity to get a loan is hard due to inaccurate information that I am unable to fix alone. 
There are medical debts, credit cards on my report that are not mine. And during the attempts to get a loan, Ive been asked about my mortgages, student loans, addresses, phone numbers, pet insurance that arent mine in the attempt to receive a loan. Instant denial for loan because they think its not me. 

Ive exhausted all options, and its became extremely detrimental to my financial, and emotional well-being. I feel absolutely stuck with no way out of the situation. 
I am aware that I am entitled to an accurate report with the FCRA and I will go to any length I can to resolve it. 
I can not get approved for student loan, buy a home, approval for credit card, day care, lending companies, leasing companies, or an auto loan because nobody can verify my identity due to the extensive inaccuracies in my report. 

Theres a woman in my town with the same name, DOB 10 days after mine with a nearly IDENTICAL social security number. ( Her last two digits is XXXX and mine is XXXX ) this is the only difference between the two. She reached out to me in hopes of solving the issue. 
Weve both been unable to solve the situation on our own. And need help. Our attempts to reach out to each bureau has left us going in circles with no success. 

Ive reached out to attorneys who do not know how to help me. 

( In documents attached, the highlighted yellow ones are inaccurate )
Product: Debt collection

To whom it may concern at AmeriCollect Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 


Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 


My goal is to correct the record on file. This is a request for information only. 

Please provide all paperwork to XXXX XXXX XXXX, XXXX, Texas XXXX Thank you, XXXX XXXX XXXX
Product: Debt collection

I am letting it be known by this means that I have been fighting this XXXX  account since XXXX or XXXX which I am being charged for money for a device that I do not have and have not had. I also want you to review the signature that appears on the contract for the devices since it is not the same signature that I have on all my documents or on my driver 's license and my passport. This account has already been disputed twice which removed it from my credit report and the collection agencies come back and sell it to another collection agency. which I want to stop all this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pressured into applying for a loan amount I did not need! I asked for {$15000.00} and the agent applied for {$45000.00}. I feel I was not approved because of false and misleading information on my report and the amount, that I did not want!
Product: Debt collection

Credit Collection Services : XXXX I asked for validation of debt when it appeared on my credit report on XX/XX/2023. I did not receive any validation of debt. I did however receive a text message. I did not receive in the initial communication ( the text message ) the collection disclosure. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please see attached message. Please see attached request for validation.