23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The medical collections reported on my credit file are inaccurate, unverifiable, and illegal under federal law. Despite previous disputes submitted directly to your credit bureau and the collectors, no adequate validation or removal of the unlawful entries has been provided. These actions violate my rights as a consumer and compromise the privacy of my medical information.

Specific Accounts in Question XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> Merchants Credit Guide Original Creditor : Village of XXXX XXXX : {$1900.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> List of Violations Violation of Privacy ( HIPAA, 42 U.S.C. 1320d et seq. ) : Disclosure of medical information to third parties, including credit bureaus, without my authorization.

Failure to Validate Debt ( FDCPA, 15 U.S.C. 1692g ) : Collection agencies have not provided sufficient documentation to validate the debts in question. 

Failure to Correct Inaccurate Information ( FCRA, 15 U.S.C. 1681s-2 ) : Continued reporting of disputed items without conducting reasonable investigations.

Unfair Practices ( FDCPA, 15 U.S.C. 1692f ) : Reporting medical debts without proper validation or legal authority constitutes an unfair practice.

Actions Requested Immediate Removal of Medical Collections : All medical collection entries must be removed from my credit report immediately as they were furnished in violation of HIPAA and FCRA.

Cease and Desist Disclosure of Medical Information : Ensure that no further medical information is disclosed to credit bureaus or other third parties without explicit authorization.

Investigation and Enforcement : Investigate the actions of the collection agencies involved and enforce compliance with HIPAA, FCRA, and FDCPA.

Validation of Debt : Require collection agencies to provide documentation proving their right to collect the alleged debts, including proof of authorization to disclose medical information.

Conclusion The disclosure of medical information and the furnishing of medical collections on my credit report violate federal laws designed to protect consumer rights and privacy. I request your immediate intervention to address these violations and ensure the removal of these unlawful entries from my credit report.

Thank you for your prompt attention to this matter. Please contact me at [ Your Contact Information ] with any updates regarding this dispute. I am prepared to provide additional documentation if necessary.
Product: Money transfer, virtual currency, or money service

I have a rental home listed on the XXXX rental site. A man by the name of XXXX XXXX inquired about renting the house but asked if the rental fee could be paid via a company check since his company was absorbing the cost of the trip. He emailed to inform me that the check issued in the amount of {$6000.00} by his company was in an amount more than rental amount and that the company made a mistake issuing all the funds to my name and did not do separate transactions for the rent and travel agent fees. He asked that I reimburse him using the XXXX feature in the Bank of America app. I deposited the check which appeared valid as when searched was a valid company on XX/XX/2021. I made sure to not transfer funds to this person until I made sure that the check cleared and I saw the increase amount of {$6000.00}. The amount in my Bank of America checking account reflected the additional $ XXXX-going from a balance of {$22000.00} to {$28000.00}. Therefore on XX/XX/2021 I transferred {$1900.00} via XXXX to the requested recipient as an initial refund. I would have never transferred money to someone if my account didnt reflect that I had their funds. There was no indication that the check hadnt cleared ( no pending/no parenthesis ). It was not until I attempted to transfer the additional amount that Bank of America alerted me to it being a scam. I explained that the check from this person had cleared and it clearly reflected this in my account. Bank of America proceeded to tell me since I have been a loyal customer, they offer the courtesy of access to funds from deposited checks prior to the check actually clearing. I have never been told this and would never have authorized for this feature. It was misleading to me and I would have never transferred money to someone if I knew this.
Product: Checking or savings account

XX/XX/XXXX made {$14000.00} check deposit at WF ATM. The ATM recorded amount as {$1400.00} instead of {$14000.00} but I didnt see therrror and approved incorrect amount. I went into the bank and explained the mistake. They told me to report it over phone to department managing ATMs. Which I did at that time. 

XX/XX/XXXX Received email stating {$1400.00} was credited BUT {$12000.00} would be divided & credited {$5300.00} on XX/XX/XXXX and balance {$8400.00} ( incorrect amount! Correct balance {$7300.00} ) on XX/XX/XXXX. 

XX/XX/XXXX acct credited {$5300.00} XX/XX/XXXX - XXXX acct credited {$7300.00} XXXX is XXXX has altered my acct to show the full {$12000.00} was credited to me on XX/XX/XXXX. That is NOT TRUE. Both me and my husband check our checking balance daily and the {$14000.00} was to pay cc off. I had to wait until XXXX to pay them b/c the money was being withheld by WF. I know the $ XXXX was deducted from bank check came from b/c it is my XXXX acct XXXX Therefore WF had my {$12000.00} and held funds until XXXX and XXXX- they used got interest in my money for those days while I had to wait to have my money. BUT THEN THEY WENT INTO MY ACCT STATEMENT TO REFLECT ONE TIME CREDIT OF {$1400.00} and {$12000.00} ON YHE DAY OF MY IRIGINAL DEPOSIT. That did not happen. That is fraud on their part. I have tried to get some sort of response from them all I got was a banker at XXXX XXXX TX branch told me they can do that. No they cant. They cant use my money while keeping it from me and then turn around and make it look like they didnt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt with XXXX XXXX that they charged off. It shows on my report as charged off however the amount owed is incorrect from the original amount owed in addition to it stating that I have a balance owed. They also keep changing the date of the debt. It is over three years old almost but they have it reporting as a new debt. They can not charge the debt off and get compensated on their financial reporting status and still post on my credit report as a balance owed. Experian says they have investigated more than three times I believe but will not delete the erroneous information on my credit report in addition to making it look as if it is a new debt. Please have the items removed from my report that are in violation of debt reporting guidelines. They have recently posted it as XXXX XXXX in the amount of over XXXX. As you can see the debt amount was XXXX and was written off by XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX 2payments of XXXX Was selling item was contacted by scammer To use XXXX where he overpaid and I sent him back the money but his was never sent Yes it was stupid on my part I contacted and made complaint with XXXX And also my bank BMO Harris Bank Within in 30 minutes of transactions Have never heard back from either If the Bank promotes use of the XXXX app But does not disclose the risks or scams Are they not accountable I did shut down the app XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Holiday in vacation club has been reporting missed payments for a timeshare loan that I am not on nor responsible for on my Experian credit report. This is my parents loan. I have sent them a debt verification letter and have not received a response in over 30 days.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX during the economic downturn, I had a vehicle repossessed by my lender for no apparent reason.  I recovered the vehicle from the bank 2 days later.  A few years after this incident, I decided to pay off the vehicle to save on interest.  For many years the negative credit rating of late payments and the repossession made it hard for me to obtain preferable rates and new loans.  After 7 long years of suffering, the account finally switched over to a positive status.  Nevertheless, the lender {SunTrust Bank} decided to add negative comments to my now positive account stating, “redeem repossession.”  I’ve explained this issue to SunTrust and all three credit agencies on SEVERAL occasions.  However, each entity continues to “yes, yes, yes, I understand” but no changes are being made.  An account can only be negative or positive—it shouldn’t be listed as positive yet have negative comments below it.  There is no middle ground.  I’ve been denied loans and credit card increases do to the negative remarks that continues to display on my reports.  I have disputed this matter many times over, nonetheless, SunTrust continues to abuse their powers without any regard on how this issue is affecting me, my family and my business ability to prosper.  I’ve been told this account status is schedule to remain on my credit report until XX/XX/XXXX.  With that being said—there’s no way any negative reporting including bankruptcies should follow a person for 13 years.  A consumer reporting agency cannot report negative information that is more than seven years old.  The stress and sleepless night have gone on long enough
Product: Mortgage

On XX/XX/year> I received a letter informing me that I have an escrow shortage of XXXX. My taxes and insurance have not increased and even added together they do not total that amount. So even if there was a XXXX balance in my account, which there is not, it wouldn't equal that amount. Thank you for your help in this matter.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Re : Formal Dispute of Charge-Off Entry under FCRA Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of a charge-off entry reported on my credit file, referenced by account number [ Account Number ], which is listed under your bureaus credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into the accuracy and validity of this entry. Specifically, I believe that the charge-off entry is incorrect due to the following reason ( s ) : [ Insert reason for dispute here. For example : I did not authorize the charge-off, as I had been in consistent communication with the creditor and had made timely payments prior to the account being reported as charged off. ] In accordance with 15 U.S.C. 1681i ( a ), I am requesting that you conduct a reasonable investigation into this disputed item. Please provide me with all relevant documentation and evidence that supports the validity of the charge-off, including any communications, notices, or other records that substantiate the charge-off date and the amount involved.

Additionally, under 15 U.S.C. 1681e ( b ), all information on my credit report must be accurate, and I am entitled to a complete and accurate reflection of my credit history. If the charge-off can not be substantiated, I request that it be removed from my credit file immediately. 

I further assert that under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to complete your investigation within 30 days from receipt of this letter. I expect that this matter will be resolved in full compliance with the FCRA, and I request that you notify me in writing of the outcome of your investigation. 

Should the charge-off remain on my credit report without proper evidence or if your investigation does not satisfy the requirements under the FCRA, I will have no choice but to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal counsel for further resolution.

Please provide a written response to my request for information and any updates to the status of the investigation at your earliest convenience. I also request that you send me a copy of the updated credit report once this issue has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

THIS COMPANY OPENED FRAUDULENT CREDIT ACCOUNT IN MY NAME. I AM NOT ASSOCIATED WITH THE CREDIT ACCOUNTS NOR HAVE I DONE BUSINESS WITH THIS COMPANY. THIS COMPANY IS ILLEGALLY REPORTING NEGATIVE, FRAUDULENT INFORMATION TO MY CREDIT REPORTS. THIS COMPANY MUST REMOVE THESE NEGATIVE ACCOUNTS FROM MY CREDIT REPORTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Opened : XX/XX/XXXX Creditor : Loan to Learn, aka " LOANTOLEARN '', aka " LOAN TO LRN '', akaXXXX " XXXX XXXX, XXXX '' High Credit : {$20000.00} Bureau Code : Co-Signer Collection Agency : XXXX XXXXXXXX XXXX XXXX Issue # 1 : The creditor is reporting the same ( {$20000.00} ) account twice. There was only ( ever ) one loan, but the creditor is reporting as if it's two separate loans/accounts. 

Issue # 2 The account was opened in XXXX, went delinquent, and ultimately the creditor obtained a court judgement in XXXX. I'm under the impression that negative accounts could only report for 7 years. If this account was bad in XXXX ; why is it still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

The following accounts are claiming to both own the same det, with a balance. As you know, this is not possible and also a violation of my rights. Due to this BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested below deletions are made, please mail me an updated copy of my credit report. 

Name : XXXX XXXX XXXX XXXX Highest Balance : {$12000.00} Account Number : XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.
Product: Mortgage

Flagstar Bank didnt pay the homeowners insurance policy in XX/XX/XXXX and I was canceled from my homeowners insurance policy. I was never notified that I didnt have coverage and now its impossible for me to find coverage because there is a four month lapse. My homeowners insurance is escrowed into my account. Now its XX/XX/XXXX and they continue to collect escrow even after they didnt pay the policy. Ive tried calling Flagstar about this on several occasions and no one is getting back to me. Ive left messages every time to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violati my nonta 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 XXXX XXXX XXXX. 
Closed on XX/XX/XXXX XXXX XXXX  Opened XXXX XXXX XXXXXXXX XXXX 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
Product: Mortgage

A structure fire occurred at my home on XX/XX/2019. XXXX XXXX XXXX is my homeowners insurance provider and US Bank is in charge of the mortgage on my home. The Loss Draft Services department of US Bank was given a total sum of {$240000.00} from XXXX XXXX XXXX. They in turn were given the responsibility of disbursing that money to the contractor/myself. Due to Covid, the fact that my home was built in the mid XXXX 's and required special attention, and my insurance company/US Bank being slow to respond, the process of reconstruction was just completed this past spring. 
The contractor is missing roughly {$29000.00} of the money that my insurance company gave to US Bank to disperse. I have called numerous times and written several letters over the past few months. When you call the Loss Draft Services Department you get a different assistant with each call. You are treated with disrespect and basically called a liar. They are of no help. I have yet to be contacted by a supervisor about this matter. I am to the point of hiring a lawyer to handle this complaint. 
The first few disbursement checks were written out to the contractor and not to me personally so I have no way of tracking those checks with my bank. I can track the final disbursement checks because they were written out to me and I deposited them and paid the contractor. There happens to be a check from US Bank for $ XXXX that I do not recall getting and neither does the contractor. I believe that check could have been lost in the mail since I had to move around a bit while my house was being reconstructed. 
I have asked/pleaded with US Bank to be sent copies of all of the cancelled disbursement checks showing both the front and the back of each check. I want to see who signed for/cashed each check and where the money was deposited. I have yet to be given those checks. They are a bank and should be able to supply me with those copies in a matter of a few minutes. I am still waiting!!! I personally believe they have lost the check and just simply do not want to be bothered with my complaint. 
In the meantime, I am having to either refinance my house or get a home equity loan to make up for the lost {$29000.00} from my insurance company that US Bank had in their possession. Any help/assistance/information would be greatly appreciated. I am at a loss and US Bank Loss Draft Services is not willing to respond or help!
Product: Debt collection

I am writing to dispute the validity of an account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : Wells Fargo Card Service As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts.

2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies.

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. 

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

I tried to apply a checking account in TD bank online, but it was said that TD can not find my public record. I have checking and saving accounts with other major banks for many years and I am sure the information I input for application is correct. Therefore, I think it does n't make any sense that TD can not find my public record.