23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous calls from Radius Global Solutions by phone and via mail. In speaking with their representatives by phone I advised them to give me proof of the debt, specifically because I didn't recognize the creditor they represented. On XX/XX/XXXX and XX/XX/XXXX, I received two letters from this Radius Global Solutions, enclosed are original bills from the healthcare providers who rendered services. The details included dates of services, CPT Codes, Description of service, the provider names and charges associated with the visits. 

On XX/XX/XXXX, I contacted Radius again advising them I have received the communication that detailed my visits and provided explanations of the origin of these debts. 

Radius advised me this debt has been sold to a third party, XXXX XXXX XXXX XXXX, XXXX and they were working on their behalf to resolve the debt. 

This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from XXXX XXXX XXXX XXXX, XXXX nor Radius Global Solutions LLC and have no contractual obligation to them. The billing details including CPT codes and descriptions of services has been shared in violation of my rights. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. 

Radius Global Solutions LLC has a business affiliation with XXXX XXXX XXXX XXXX, XXXX. I have a contractual agreement to pay for services rendered to the original provider, XXXX XXXX XXXX XXXX, XXXX not to Radius Global Solutions, LLC or XXXX XXXX XXXX XXXX, XXXX. This debt was sold by the original creditor to XXXX XXXX XXXX XXXX, XXXX along with my health information. In order to collect the debt and validate it XXXX XXXX XXXX XXXX provided my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX sent my CPT Code information to Radius Global Solutions LLC via copy of the original invoice from XXXX XXXX XXXX XXXX, XXXX to prove the debt is valid. Radius Global Solutions LLC in turn forwarded the invoice directly to me enclosed with a letter responding to my inquiry on their letter head. At the time, XXXX XXXX XXXX XXXX, XXXX obtained my service invoice it revealed my CPT code and visit description, my patient privacy rights were violated. As previously stated I have an obligation to XXXX XXXX XXXX XXXX, XXXX for services rendered, not a third party affiliate. Furthermore XXXX XXXX XXXX XXXX, XXXX and Radius Global Solutions, LLC does not need my CPT code ( s ) to validate the debt. This information should have been redacted. However my copy of invoices does not show a redacted or hidden CPT code ( s ). This is a HIPAA violation.
Product: Debt collection

Ive been getting repeated phone calls from comity bank for a credit card I applied for I was already taking the steps to pay them back but I get phone calls all day and night about this same debit Im tired of it
Product: Money transfer, virtual currency, or money service

Hello I decided to sell my XXXX XXXXXXXX XXXX  on the XXXX marketplace. One of the interesting wants to buy XXXX contacts on XXXX XXXX. he says please follow the instructions in the email. I already sent a {$300.00} XXXX fee from Wells Fargo but will return full but waited a few hours I tried do im try contact but he blocked me. The next time im try form for a scam a few days get a letter rejected. I lost {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account with Discover Bank. I have had it for over XXXX  years. I have perfect credit history with no a single missed payment in the past XXXX  years. I had set up auto pay on the account years ago, and have been making payments on the account proactively ever since I have had it. I stopped using the card months ago due to issues with the website ; however, it appears a couple of transactions came through unexpectedly and triggered a payment for {$80.00}. Since I had set up auto pay years ago ( probably over a decade ago ) I expected any transactions that come through to be paid automatically. However, it seems that feature had somehow turned off, and I didn't receive any sort of notifications on my updated email to indicate the payment is late. In fact, I only found out after it hit my credit report and XXXX XXXX  alerted me to a change on my profile. The bank had reported the transaction as late XXXX  days. I contacted the bank to no avail, as no one was willing to even entertain the thought of helping. I of course made a payment immediately to pay it off since it was an insignificant amount, but the bank refused to remove the derogatory hit, event though this was the result of a banking error since the auto pay was somehow removed from my account. I request for the bank to remove the reporting of the XXXX  days late from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXXXXXX Account # 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
Product: Mortgage

I previously made a complaint about this servicer about a unscrupulous charge I have had this mortgage for several years without issue with several other servicers I have used the same bank to make automatic payments without issue I now get this new mortgage servicer and its been nothing but problems XX/XX/2023 I received a phone call from XXXX  about a " lost payment " on loan # XXXX I was told by manager XXXX that he was " warning me " that if I want them to look for the payment I would need to go to their website and fill out forms My previous payment before the complaint was processed with no issue. 
I gave the check number # XXXX tracking information, dates this was electronically processed through my credit union this was not enough I absolutely believe that this level of difficulty is due to the fact I wrote a complaint about them They are now trying to create situation of confusion and issues where there are none the servicers sole responsibility it to process payment I gave them the same information over the phone as I am submitting here today
Product: Prepaid card

I filed a dispute with American express serve prepaid. after not receiving the provisional credit that was promised of the unauthorized charge of {$600.00}, with 10 days, I called their customer service. The rep told me that she would email a supervisor do that the credit could be issued. 3 days later, I went to withdraw funds and was unsuccessful. I called CS and they states that I violated terms and condition and my account was now closed. The dispute was declined which caused the account to be shut down. I received correspondance via email that I had a right as a consumer to know why my dispute was declined. CS told me that it was internal info and they could n't tell me anything. I contacted the merchant and they advised that they were never contacted in regards to my dispute. I also have a police report to support the claim of {$600.00} that I initially filed. They NEVER investigated my claim. They simply XXXX my account down. They told me not to worry and I would be recieving the rest of my money via usps 7-10 days. It is now day 13 business days and I have n't received my XXXX that was in the account. This is a major inconvenience and definitely a scam. If you file a claim over {$400.00}, they will not send you a replacement card and they will not investigate the claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXXXX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit card or prepaid card

Applied for a XXXX XXXX XXXX XXXX card which was running a XXXX pts reward offer during XXXX XXXX. This card is through JPMorgan Chase Bank. I applied for the offer on XX/XX/25 and did not receive an immediate answer. My understanding is that I would receive an answer by mail within XXXX to XXXX  days. I did not receive any correspondence with determination from Chase. I decided to reach out to them in order to get some answers. It was determined that my application was denied because they could not verify my addressing information and said it expired. I was very upset and explained that they failed to reach out to me for the opportunity to verify that information. They said I could reapply but the offer was gone and I could only apply for the new lower offer of XXXX rewards pts. I felt slighted but said I have no problem taking the lower offer. However, reapplying would hit my credit report again which already has their hard inquiry listed. I was told that they would not be able to remove the first inquire. I was then sent through a phone call transfer rollercoaster by several agents who could not resolve my issue or present a fair solution. As of today I have still not received any letter of denial from JPMorgan Chase Bank.
Product: Mortgage

I closed on my home that was in foreclosure for several years. I have asked for a full financial statement showing where the closing numbers came from. The case was closed before I could get the information from the servicing company or the bank. I believe I am entitled to a 1098 From for the IRS so I can write off the taxes and interest paid. Please send the form. The servicing Company XXXX XXXX XXXX ( XXXX ) stated on the attached statement that you are Trustee of the loan. They are showing that interest and taxes accrued right up until the day of closing. 

I have filed a complaint with the office of the Comptroller of the Currency. They basically told me to report it with the CFPB, so I am right back to where I started. My original case # was XXXX I have paid lates fees, legal fees, maintenance, realtor fees, Insurance payments twice. I even sent a statement with a due date before the date of the letter ( proof of intent to make me fail ). I have a right to be able to write off the interest and taxes paid. You and the Trustee should be claiming the profit with the IRS as income.
Product: Debt collection

In XX/XX/XXXX I contacted XXXX XXXX XXXX regarding credit card debt I owed. I was told by a collection representative to contact Credit Management , LP. at XXXX. I contacted Credit Management, L.P. and made payment arrangements. I was told I owed {$700.00}. The representative and I agreed with {$40.00} monthly. Starting XX/XX/XXXX through XX/XX/XXXX {$40.00} plus a {$5.00} software would be deducted from my bank account. 
Between XX/XX/XXXX - XX/XX/XXXX a total of {$320.00} plus {$35.00} ( software fee ) has been deducted from my account. In XXXX I made several attempts to contact Credit Management, L.P. regarding the balance but never got an answer. I contacted XXXX XXXX XXXX and was told that Credit Management, L.P. usually closes around XXXXXXXX XXXX. On XX/XX/XXXX I contacted Credit Management, L.P. regarding the balance. I was told my balance was now {$550.00}. I asked why was the balance so much if I paid {$320.00} on a {$700.00} balance? I was told by the Credit Management , L.P. representative that XXXX XXXX XXXX was still adding interest to the balance every month. I called XXXX  XXXX XXXX and was told that wasnt true because the account was closed. I requested that Credit Management , LP. send me letter regarding the balance. On XX/XX/XXXX Credit Management, L.P. emailed me a letter stating : Original Amount Owed : {$680.00} Interest Fees ( if any ). {$190.00} Payments : - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00}. XX/XX/XXXX ( their typo, not mine ) Current Amount Due : {$550.00} No mention of the other five payments that were deducted from my bank account. 

When I contacted Credit Management, L.P., on XX/XX/XXXX I was told that they no longer had my account and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was directly sent to a voicemail system. Something doesnt sound right about this situation. How can interest be applied to a closed account? This is XXXX XXXX me out. 

Address for Credit Management, L.P. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom at may concern : I know my right under the Fair Credit Reporting Act. 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 account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 15 usc 1681 section 602 A. states I have a right to privacy. 
15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 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 then records of convictions of crimes which antedates the report by more then seven years.

15 usc 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

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx. 
XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Cease and Desist Communication Regarding Alleged Debt Dear LVNV Funding, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a payment for {$200.00} and I must have miss typed my information because capital one sent me a notification stating that the account could not be located to please double check your information and submit it again. So I did that and capital one turned around and closed my credit card account. The payment has just cleared my XXXX account. Capital one does not give you the balance to be available until the payment clears. 

My mother just passed away and Ive been handling everything regarding her funeral and I made a mistake, but capital one did not even bother waiting to see if that was just a clerical mistake on my end. They closed the account. I had already made a XXXX deposit to them that did not return as well as a XXXX payment. This is really unacceptable the way they are doing business with me. 

When I called and got customer service on XX/XX/21 customer service refused to answer who I could actually talk to. When I escalated and the gentlemen would not answer I asked for their boss. They refused to escalate the cal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original crediXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditoXXXX XXXX XXXX XXXX XXXXXXXX. ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$370.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX I deposited a total amount of {$1800.00} to an ATM outside of Chase located on XXXX XXXX and XXXX XXXX, XXXX, AZ. I was only credited for {$1200.00}, I have filed a claim for the missing deposit of {$600.00} but it was denied. The claims department directed me directly to the branch that mishandled my deposit, while at the branch no one could help and directed me to the Police department to request a subpoena and consent form in order to get copies of my deposit receipts and transcriptions of my calls to Chase claims. The police department had no idea what I was talking about and directed me back to the bank. The second time around I was highly upset and spoke to a manager at Chase on XXXX who was able to get me copies of my receipts which showed the discrepancies of missing funds but could not help me recover it. The manager told me to fax the receipts to Chase which I did but in return to only tell me they did n't receive anything. On Thursday XXXX/XXXX/XXXX I filed a claim with Chase Executive Office claim # XXXX as an urgent request but still nothing has been done. I have exhausted all options and am really upset that this bank is stealing my money at no fault to me. I ask for your assistance in recovering my funds as my bills have been delayed due to the lack of funds on my account. I am beyond disappointed on the mishandling of my account and money.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

In XX/XX/year>, my student loans were transferred from servicer XXXX to servicer Aidvantage. My loan payment jumped from $ XXXX to $ XXXX. 

I have documentation from XXXX showing that my loan is on a graduated payment plan, and the current terms of {$360.00} payments started on XX/XX/year>. All of the information I have received indicated nothing should have changed in the transfer from XXXX to Aidvantage. 

When I have asked Aidvantage why it changed, they can not give me any explanation, and even went so far as to say they have no record of my prior terms with XXXX. This clearly can not be the case given they have all of the loan information, my personal information, and my bank account information. Clearly they got information in the transfer. I find it impossible to believe they would not have gotten the loan terms as well. 

They appear to be recalculating the loan terms based on their own information. And despite multiple conversations and document requests, they can not give me a straight answer and indeed have hung up on me. And the documents I have received provide no explanation. Just a restatement of the fact that my loan amount has changed.