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

Subject : Complaint Regarding XXXX XXXX XXXX - Violation of HIPAA Law Dear CFPB, I am filing a formal complaint against [ XXXX XXXX XXXX ] concerning the collection efforts they have initiated for a medical bill, which I believe is in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and other applicable laws and regulations. 

This dispute is in reference to the following alleged debt : Creditor : XXXX XXXX XXXX Account Number : XXXX Date of Service : XX/XX/2023 Amount : {$910.00} I assert that I am well aware of my rights under HIPAA and other consumer protection laws. The medical information being collected by [ XXXX XXXX XXXX ] is protected by HIPAA, and it is unlawful for any debt collection company to disclose such sensitive information without proper authorization. 

I have not granted any authorization for the disclosure of my medical information to [ XXXX XXXX XXXX ], nor have I authorized them to engage in collection activities on my behalf. 

I demand that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that [ XXXX XXXX XXXX ] complies with the provisions of the Health Insurance Portability and Accountability Act ( HIPAA ) and other relevant laws and regulations. I further request that [ XXXX XXXX XXXX ] provides the following information to validate their claim : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original medical provider 's name, the date and nature of the medical service, and an itemized statement of all charges. 

2. Proof of Authorization : Furnish evidence demonstrating that I have authorized the disclosure of my medical information to their company.

3. Compliance with HIPAA : Explain how their collection practices comply with the provisions of HIPAA and safeguard the privacy and confidentiality of my medical information. 

I demand that [ XXXX XXXX XXXX ] immediately cease all collection activities related to this medical bill until they can provide the requested documentation and demonstrate compliance with HIPAA.

I am enclosing copies of all relevant documents, including the credit report showing the collection entry, to support my complaint.

Please keep me informed of the progress of the investigation and any actions taken by the Consumer Financial Protection Bureau in resolving this matter.

Thank you for your attention to this complaint. I look forward to a resolution that upholds my rights under HIPAA and other applicable laws. 

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

I contacted XXXX, XXXX and equifax to informed them that my right to privacy, fairness and impartiality has been violated by their company according to 15 USC 1681 ( a ) ( 4 ). I did not give any consumer reporting agency to furnish a consumer report on my behalf. That is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts listed below. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX 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: Credit card

We were scammed by a very sophisticated company disguising themselves both as XXXX and American Express. They put fraudulent charges on my American Express credit card from XXXX XXXX through XX/XX/XXXX. We notified American Express on XXXX XXXX as soon as we realized there were fraudulent charges. AMEX opened an investigation and assured us not to worry, we shouldn't be liable for the charges. My wife called about once a week after that as the charges were not removed, and they told us it was being investigated, not to worry, it would take XXXX days to complete an investigation. 

Finally I received an email from American Express on XX/XX/XXXX that said we are liable for the charges. I called American Express, and they said that they could not remove the charges because I had given my credit card number to the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX. XXXX, XXXX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Trans Union 's " Consumer Relations '' number. Tried to get specific answers to XXXX questions : 1. How will my score be affected by closing an XXXX XXXX account I've never used ( number of points and length of time )? 

2. How will my score be affected by allowing a car loan aggregator ( Autopay ) to access my credit report ( number of points and length of time )? 

After XXXX minutes of voicemail loops and dodges, someone just said they have no idea- it's all up to the algorithm. 

I currently have a score of XXXX. These people act like they hold our financial lives in their hands, and they basically do. Because of this, it seems that transparency should be a condition of their continued operation.
Product: Credit card or prepaid card

On several occasions Wells Fargo has fraudulently, lied to me and told me that I can not link my rewards cash back to my principal mortgage, which in turn has prevented me from earning cash back that would go towards my mortgage principal. Also, Wells Fargo has failed to attach my Visa credit card account to my online banking account so that I can not see what my bill is or make timely payments and have been charging me monthly {$27.00} or {$29.00} a month in late fees when they're not sending me a statement. I have an excellent credit score I pay my bills on time my mortgage has never been late with Wells Fargo Wells Fargo is extremely fraudulent and how they handle their customers. Please check into my mortgage Hamp modification where I was granted XXXX in equity and I believe my payments is not going towards my mortgage and my Principle as i was told it would be going towards.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX  Account number - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Payday loan, title loan, personal loan, or advance loan

i took out a payday loan that I cant pay back due to financial issues. XXXX now being harassed by mail and email consistently on a daily basis and it is affecting my mental state.
Product: Credit reporting or other personal consumer reports

A collection was removed from my report but my score did not change. I also was not notified that the collection was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My medical debt was reported before the 180 days grace period. Collection account sent to credit burea in XX/XX/2021. Reported to credit bureaus XX/XX/2021 2021
Product: Credit card

On XX/XX/XXXX, I filed a complaint ( reference number : XXXX ) regarding issues with my Apple Card, provided by Goldman Sachs . I initially received this card in XX/XX/year> when purchasing a XXXX XXXX. Following that, due to health problems and the loss of my wallet, which included the card and my phone, I faced significant disruptions in managing my finances. My health issues led to hospitalization, including a stay in the XXXX XXXX XXXX ( discharge documents attached ), and necessitated a period in XXXX, further complicating the resolution of my card-related issues. 

After recovering from my illness, I attempted to resolve these issues with Goldman Sachs, but they were dismissive of my circumstances, especially regarding the recent retrieval of my phone. I had found my phone through XXXX, an acquaintance, at a gas station. Despite not having used the card since XX/XX/XXXX and subsequently losing it, Goldman Sachs rejected my dispute. 

My interactions with Goldman Sachs supervisors have been fraught with inconsistencies and broken promises of follow-up calls. I have attached pertinent documents and screenshots of our communications for reference. 

In response to my complaint filed with the Consumer Financial Protection Bureau on XX/XX/XXXX, Goldman Sachs agreed to credit {$7000.00} for disputed transactions within the next XXXX days. Additionally, as a gesture of goodwill, they stated they would credit {$500.00} for XXXX previously resolved disputes in favor of the merchant. However, subsequent discussions with Goldman Sachs representatives contradict this commitment, as they assert that I owe {$4400.00}. This discrepancy is evident in the conflicting screenshots I have provided, exacerbating my mental health issues and distress. 

Furthermore, as documented in complaint number XXXX, Goldman Sachs agreed to credit my account with {$7000.00} for unresolved transactions and an additional {$500.00} as a courtesy, suggesting the complaint be closed based on these actions. 

Monetary Relief Sought : {$7000.00} However, recent conversations with Goldman Sachs representatives post the submission of this response to the Consumer Financial Protection Bureau have been contradictory. They claim that no credit is due on my account, and instead, I owe {$4400.00}, directly opposing the official response to the Consumer Safety Protection Bureau. I have submitted screenshots demonstrating these conflicting communications from Goldman Sachs.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
Unauthorized, unverifiable collections on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Debt collection

I received an email from a company named, Hunter Warfield to establish debt on the XXXX of XXXXXXXX XXXX. The attached notice read, " Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. '' I emailed them on XX/XX/year>, " Hello, I dispute all the debt you have emailed me. I do not owe anything to XXXX XXXXXXXX. 

Please send me all of the following documents to establish this is my debt : XXXX. Rental agreement signed by me. 
XXXX. All the email communications. 
XXXX. Audios of all the communication through call recordings. 
XXXX. Name of all the persons who dealt with me as per your contract. 
XXXX. My Social Security Number on your record and any document where I have provided my SSN to XXXX XXXXXXXX with my Signature on it. 

I would like to ask you to stop contacting me until I receive all the documents/audio recordings requested above. 

Thanks " I did not receive any reply from them after that. 

On XXXX XX/XX/year>, they sent me another email with notice attached saying, they are giving me 20 % and I could pay them {$9400.00}, instead of the full amount {$11000.00}. And today ( XXXX XX/XX/year> ) they reported it to a credit reporting company.
Product: Debt collection

DEBT COLLECTOR has not notified the CONSUMER that such negative/unproven information was placed on CONSUMER 'S credit reports. DEBT COLLECTOR has neither furnished any paperwork showing from what original creditor this alleged debt comes from ; how the alleged debt was purchased ( or was legally assigned collection authority ), nor how it calculated the amount ( s ) that appear on CONSUMER 'S credit reports, per Section 803 of the FDCPA. Furthermore, it is beyond the CONSUMER how an account can appear as both 'open ' and 'closed ', with conflicting amounts displayed. This account also appears to be re-aged in an attempt to keep negative information on CONSUMER 'S credit reports.
Product: Money transfer, virtual currency, or money service

I was issued a refund thru cash app by a merchant XX/XX/2021 but never received the refund. It was 4 refunds {$25.00}, {$25.00}, {$15.00}, and {$25.00}. It is XX/XX/2021 and I still have not gotten my money or any reasonable solution or date of when my funds will go back into my account. I have contacted them every day in every way possible and they will not help me.
Product: Credit reporting or other personal consumer reports

I am not liable to any dept withXXXX XXXX XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by Experian and Deleted and this company re added negativeitems to my credit file I am attaching a notice of deletion from Experian.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I logged into my Credit Karma account. They were advertising certain credit cards that my approval odds for obtaining a line of credit were outstanding. They even placed a star by one of the accounts to make me believe that it was even more highly recommended. Based on their lie, I applied for a recommended card through their portal, and I was immediately denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, EQUIFAX and XXXX credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : 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
Product: Payday loan, title loan, personal loan, or advance loan

I got XXXX XXXXXXXX and it was {$8000.00}. My doctor said they switched from XXXX XXXX to a new company called XXXX XXXX XXXX XXXX XXXX XXXX  and they set me up with a {$1600.00} down payment, {$180.00} XXXX  month, interest free if paid in XXXX months. This was in XX/XX/XXXX2024. The statements show interest coming out so I called their customer service XXXX XXXX # XXXX and he said that the promotional offer of no interest was not applied. To apply no interest, they must raise the payment to {$270.00} per month. I asked for their Legal Dept because that was NOT the Agreement. I verified with my doctor 's office and they stated this was supposed to be like XXXX XXXX which is NO INTEREST IF PAID IN XXXX MONTHS. Only being XXXX months, how are they charging interest. 

I also paid an additional payment of {$200.00} which they took interest out of on my statement. And I asked about that and I was told that and any additional payments would not be applied until the end of the term. I explained, if I pay extra on my mortgage, that is all principal but since my Agreement is interest free, it is a moot point. 

His final offer was that I would pay {$4000.00} additional $ $ $ in interest if I did not up my monthly payment to {$270.00}. I said, it shows on my statement that my balance is $ 5300+/- if paid before XXXX2026. He said, no, because that promotion was not applied. 

I asked for his Legal Dept. and he said that they don't have one. I asked for a supervisor and he said he would put in a ticket for " XXXX '' no last name to call me back within XXXX hours. 

This was not thXXXX first time I talked to someone there about this - it's the third phone call. I don't know what is happening. My statement says one thing, the employees try to get another XXXX XXXX  month out of me. People finance medical treatments because they need them. We have all used XXXX XXXX and had no issues. 

Remedy : The interest free if paid in XXXX months as agreed upon IN THE DOCTOR 'S OFFICE which they have verified, no one getting these loans are supposed to be paying interest. Any additional payments must be applied at the time of payment, not held until the end of the term. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not 1 of 2 authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts nor have I authorized these accounts in which are from a third party in which I have no contract with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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: Debt collection

These are fradulent accounts. My information was leaked in data breach. please remove all accounts from the reporting agencies.
Product: Debt collection

On XX/XX/XXXX I got a phone call from XXXX he said he was from XXXX XXXX XXXX XXXX. His name was XXXX, he said he was trying to collect a debt I owed from XX/XX/XXXX on a book I rented online. The book was XXXX XXXX XXXX XXXX. Well I didn't order this book online. He wanted me to pay today with my debit card. I have not recieved any letter from this law office in New York.So I did not give this man any information. Went online typed in the number and bingo XXXX XXXX is a very busy man trying to scam peoples money. You might want to check into this. I am calling XXXX XXXX personally tomorrow to see if she has any information of this claim. I will not pay anything without getting written information first.