23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent XXXX XXXX a letter asking for validation of this medical bill on XX/XX/2019. The FCRA gives them 30 days to respond, It is now XX/XX/2019 and I have not received any correspondence from them. I have also contacted the credit bureaus asking for validation and proof of this debt and they didnt send the results either. I never signed a contract with XXXX Outcomes giving them permission to receive my medical information. This is a clear HIPAA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1.  Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 2. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 3. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 4. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 5. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 6. Identity Theft Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I disputed an item on my credit report with TransUnion, I filed a certified mail ( tracking code : XXXX ) with the return receipt requested on XX/XX/2021, and from the tracking and after talking to a XXXX agent I confirmed that an agent from Transunion received the dispute on XX/XX/2021. ( I attached the evidence below ) I never heard from them and filed a follow-up letter specifically saying that, ''according to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. '' The second letter ( Follow-Up ) was also a certified letter with return receipt requested and Transunion Received the follow-up letter on XX/XX/2021 and I was able to confirm the delivery was completed on XX/XX/2021 for my follow-up letter to the original dispute. 

Finally, it took TransUnion around 90 days to respond to my dispute and they denied my dispute. I received this letter on XX/XX/2021 about 90 days after my original dispute letter. 


I attached the XXXX delivery date files to and from TransUnion below.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied to LexisNexis I have circled the items I dispute on the attached copy of my credit report these items - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inaccurate I am requesting that LexisNexis have the item removed My correct information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md 21206 I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .
Product: Debt collection

They call constantly, but now they are texting me saying they are 'on their way, ' like a threat. They, Encore Receivables, did not disclose who they were ( I only know from googling their number ). I have spoken with the original creditor, XXXX XXXX now XXXX XXXX, several times, and have been making payments. Also, XXXX told me that Encore 'would not bother ' me as long as I was working with XXXX, and this was not true. The number I received text from was XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX Balance {$1300.00} XX/XX/year> C MIDLAND CREDIT MANAGEM Balance {$900.00} XX/XX/year> C MIDLAND CREDIT MANAGEM Balance {$3900.00} XX/XX/year> XXXX MIDLAND CREDIT XXXX Balance {$1900.00} XX/XX/year> C MIDLAND CREDIT XXXX Balance {$980.00} XX/XX/year> XXXX XXXX XXXX Balance {$3000.00} XX/XX/year> I am not sure who these people even are. I never signed a contract with them or never even applied for credit through their company
Product: Bank account or service

This compliant is in regards to a business credit line for my business XXXX. I currently have an installment loan with this bank with an initial loan for XXXX. I currently owe a balance after XXXX years of {$13000.00} in which I will be paying off as of XX/XX/XXXX because it does not make sense to pay a set amount based on XXXX when the loan is down to XXXX. I have not missed a payment and I am in good standing with the bank and my payments were all current and to date. I have a good credit score per personal in the XXXX 's and business score for my business because I was just recently approved for XXXX approx a month ago in credit card but the bank did not have a credit line product so I applied at Huntington Bank due to I have a relationship with them and a installment loan. I applied for a credit line for XXXX dollars and was told the process would take XXXX hours however after XXXX weeks I called XXXX and he stated that they were backed up on loans and also read the Email back to me stating the underwriting said that If I had a hard time paying off my current loan that would be an issue but which the banker, XXXX must have gotten the information confused that he sent to the underwriter becuase I told him I was paying of the existing loan but I express to the banker, XXXX I am paying off the existing loan but I just wanted to apply for the creadit line to have a credit line available it took XXXX weeks to find out I was denied but did not find out by that banker XXXX but only after calling several other personnel for customer service and branches. I am writing this compliant because I feel I was unfairly denied for a business loan I should have received. These are the following factors : XXXX. This existing loan will be paid off as of XX/XX/XXXX XXXX. I have good personal and business credit XXXX. I have been in business over 15 years XXXX. I have not missed a payment on the loan XXXX and have paid XXXX XXXX years current and in good standing. I feel the banker has dropped the ball and handle this particular banking issue reckessly. Further, I have several other credit lines and have had for over 20 years and all are in good standing. This is the lst time I have encountered a situation where it takes XXXX weeks and still no answer until I call another bank and even they thought it was odd to wait XXXX weeks for a decision. Last, I am writing this compliant due to the banker XXXX not properly conveying my circumstances for receiving a credit line and has in essence blown my chances for a credit line I was suppose to receive based on my currently standing in business and I feel not only a violation for my business but my rights as a business owner. 

Desired Outcome : My desired out come is to have my case properly conveyed and reviewed so the outcome by the underwriter can be made with proper and correct information and not misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Paypal account restricted on XX/XX/21. 
I had multiple transactions being processed, in thousands of dollars, that were supposed to be sent back to my bank account. 

Paypal has frozen my accounts and won't even say what they will do with the money until 180 days are done, my money. 

Paypal is illegally holding my account and money XXXX.
Product: Consumer Loan

I had went to title max in Virginia, and took an loan out on the my 2000 Mitsubishi galant. For only XXXX dollats I have to pay back almost XXXX dollars back. So my friend got into a car accident due to bad weather. I know longer have the car and I told titleax that and to go pik up the car. They refuse tp go pik the car up and keep harrassing me everday about making payments. They told me to go pay for the car that have been sitting at the garage for about a month now. They call from block numbers and differeng numbers everyday and leave voice mail after voice mail.
Product: Debt collection

The company in question is I C System of whom which is attempting to collect a debt for XXXX and XXXX. I have disputed these accounts with all credit reporting agencies ( XXXX, XXXX, XXXX ) as well as with the debt collector ( IC System ) directly asking them to verify the debt of which they have failed to do within the 30 day time frame given. One account XXXX XXXX ) was deleted from my credit file In XX/XX/2022 as the result of a dispute made with the credit reporting agencies, but as of recent the debt has reappeared on my credit file under a new debt collector named XXXX XXXX XXXX. It is my assumption that IC system has sold the debt to a third party in an attempt to keep the invalidated accounts on my credit file while avoiding having to verify the debt or be held accountable. As of XX/XX/2022 this new debt collection agency is now re-reporting this unverified debt that was deleted on my credit report! The other account in question ( XXXX ) still remains on my credit report unchanged and unverified.
Product: Money transfer, virtual currency, or money service

This is related to my 2 previous cases with CFPB. 

XX/XX/XXXX, transferred {$52000.00} from PayPal to XXXX XXXX ( XXXX XXXX ), via ACH transfer ( not via Wire ) XX/XX/XXXX, XXXX XXXX  shows the inbound transfer and interest began accruing XX/XX/XXXX, XXXX XXXX online interface shows a {$52000.00} Payment Reversal. 
From XX/XX/XXXX through XX/XX/XXXX, I have been contacting both banks repeatedly to find this lost money. 
Both banks verbally have been pointing the finger at each other I grabbed XXXX FDIC certificate number, and filed a case with XXXX ( email attached below ). 
Today, XX/XX/XXXX, Ive FINALLY received a response from XXXX XXXX ( XXXX attached ) XXXX XXXX claims PayPal did an ACH debit on XX/XX/XXXX for the full transaction amount. This was never authorized by me. 
As of today, PayPal still doesnt know where the money is. 

PayPal appears to be part of The XXXX XXXX, FDIC XXXX # XXXX XXXX XXXX responded to Office of the Comptroller of the Currency, Case Number XXXX on XX/XX/2023 XXXX XXXX claims in the attached document PayPal debited XXXX XXXX on XX/XX/XXXX, with transaction trace number XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 I exercised my right to extend credit with Capital One Bank. Capital One Bank discriminated against my rights and provided me with an adverse action letter on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This company is reporting a {$16000.00} loan for solar panels I never purchased. I have called this company multiple times to further investigate this matter, and they have an account open In my name but no contract with my signature authorizing the agreement.

I did buy solar but with another company. This company should not be reporting any information to my credit report as I have no relationship with this company. This inaccurate reporting has harmed my ability to get lending with other creditors. 

I need this inaccurate information removed immediately. I will also need compensation for the damages caused by SOLAR MOSAIC LLC.
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 1681e ( b ). XXXX XXXX XXXX XXXX Account number XXXX XXXX Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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, 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: Money transfer, virtual currency, or money service

Fraud, scam, identity theft, personal information violations, banking fraud, business fraud, corporate fraud, death liability
Product: Mortgage

Citibank published a Notice of Trustee 's Sale for XXXX/XXXX/2012 ( attached ) on our property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, a legal action designed to recover their XXXX Trust Deed Mortgage with a lien against our property. The resultant foreclosure did not generate sufficient funds to cover Citibank 's TD. Citibank now expects us to cover the difference in a second debt collection legal action in direct violation of California XXXX Section XXXX ( a ) [ Single-Action Rule ; also attached ]. I brought this matter to the attention of XXXX at Citibank ( direct phone # XXXX ) who responded that after their legal review they do not believe California 's XXXX Rule applies. Please kindly let me know whether or not the state 's XXXX Rule governs here. Thank you very much. 
P.S. I have also attached a letter from XXXX XXXX XXXX ' Office, California XXXX
Product: Credit card or prepaid card

I have had a corporate credit card with Capital One since XX/XX/XXXX under my current business and for several more years before that under my own name. In XX/XX/XXXX of this year ( XX/XX/XXXX), I was late in making my payment which was due on XX/XX/XXXX. I made a partial payment on XX/XX/XXXX and contacted Capital One to let them know that I was experiencing a financial hardship and that intended to make an additional payment soon, which I did on XX/XX/XXXX. My payment was only 11 days late. During that time, Capital One raised my interest rate from 19 % to 31 %. I contacted them again in XX/XX/XXXX to ask why the interest rate was raised. I was told that it was a penalty rate that would continue to be in effect for one year. I asked if there was anything I could do to have the interest rate restored to its previous rate and that the new interest rate was causing a greater financial hardship. The interest alone for the month of XX/XX/XXXX exceed the amount of my previous minimum payments. My minimum payment due for XX/XX/XXXX was {$620.00}. The minimum due for XX/XX/XXXX ( excluding the {$620.00} that was included in that amount as the payment was late ) was {$920.00}. The minimum payment due for XX/XX/XXXX is {$870.00}. Capital One told me there was nothing they could do ; they do not have the ability to lower an interest rate. I contacted them again on XX/XX/XXXX to inform them that I would not be able to make the minimum payment due of {$870.00} on XX/XX/XXXX. After speaking to three different individuals in their business services section, I was informed that Capital One only raises interest rates, as they have done on my card, when a customer has three late payments within a year 's time. I explained all payments have been made on time and that this was the first time the payment was late ( I can provide payment history dating to XX/XX/XXXX that proves this to be the case ). The representative could not explain why my interest rate was raised in this case, but did say there was nothing they can do. I am not able to keep up with the minimum payments on this credit card and feel that I have been unjustly taken advantage of by Capital One despite my attempts to communicate my situation with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX.
Product: Student loan

I am writing in regards to an XXXX loan taken out to pay for the education of my daughter. For the past 6 years both myself and my daughter have struggled to make this loan 's necessary payments. My daughter 's business went bankrupt and my own XXXX XXXX fell on hard times and is not producing the same revenue as it once did. We have been unable to match the monthly payments of {$1300.00} since that time. For the past 6 years, I have explained to XXXX XXXX representatives that I am undergoing financial hardship and have requested assistance in lowering the monthly amount due or allowing me to refinance. Other than the option of deferment, no other financial assistance alternatives for economic hardship, no other avenue was offered by HESAA, but deferment. Ultimately deferment has not provided us with the ability to solve our financial crises. It has actually made payments even more difficult to make, as the amount due has not changed or lessened and interest has continued to accrue. Each time I have asked for better finance options, I have been told that they would not refinance with me and my only option has been deferment. 

In XXXX of XXXX, in desperation I borrowed money from a family member and managed to catch up and pay the past due amount, I phoned an XXXX representative and again begged for assistance in lowering my monthly payment. I was again, told to try and refinance the loan elsewhere. I was again told that no further assistance, no refinance option through HESAA and no income-based repayment plan were available. All of my requests for refinancing have been rejected by various companies, such as XXXX and XXXX XXXX, due to my home being dangerously close to foreclosure along with my financial hardship. My daughter 's credit has improved, but they will not allow me to put the loan into her name, so she is unable to refinance the loan. 

Since XXXX of XXXX, I've fallen behind on payments to XXXX and have since been in touch with representatives trying to get them to work with me to lower my monthly payment amount. I am unable to pay the current amount past due of {$9600.00}. I simply do not have the funds, nor does my daughter. Representatives are insisting the past due amount be paid in full. Furthermore I've been told that once the amount is paid, I may be eligible to apply for refinancing with HESAA ( a new option that the company apparently allowed sometime in XXXX-an option that was never mentioned to me before by any HESAA representatives until today, XX/XX/2017 ). 

So now I am writing to, once more, request some way of helping adjust the amount of my monthly payments to XXXX. Should I magically come up with the amount past due ( now totaling {$9600.00} ) and get caught up, I still may be denied a refinance option by HESAA, which would leave me right back where I started : with a monthly loan payment I can not afford. I want to try to pay back the loan that was given to me, that allowed my daughter to go to college, but with monthly payments I can not make and the inability to attain refinancing, I do not have a solution. Please help us in resolving this. Thank you.