23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Starting back to 2016 I have medical debts added to my credit report from XXXX XXXX  originating from XXXX XXXX have XXXX amounts of {$120.00}, Acharge for {$150.00}, XXXX charges of {$1800.00} seperate charges of {$200.00} dollars, The rest are down below BULL CITY FINANCIAL SOLUTIONS Opened XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX BULL CITY FINANCIAL XXXX Opened XXXX {$370.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX, and unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Portfolio recovery calls me from what it looks like.. Landline ( same area code as well ) I ask politley may Inask who is calling. Thru refuse to tell me. 
Om this certain call I was at work. In the middle of selling furniture to a family. 
I knew it was them because they always say ms. XXXX. Im not able to tell you that. She still cant tell me who it is. 
She said I can not disclose this info. 
I said well if you tell me what it's about maybe ill tell you who I am. Other than that im at work. This is rude to my customers. Im paying paralegals to yske care of this. It not supposed to eben be calling me. She said ms XXXX its portfolio recovery. I said im at work. If you can wait til im done with this sale. I can make a payment she was so adamant about tellimg me itll be quick. 
So i said I can't do anything. I tried if I miss this sale I can't pay yall nothing. 

My mom got pressured into getting it tsken outnof her XXXX check. Which is illegal. 

Then sent letters to XXXX mom sister amd me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify this information and remove it from my report if inaccurate.
Product: Credit reporting or other personal consumer reports

All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX
Product: Mortgage

Citibank had offered a modification on my equity loan and I agreed that it would certainly help however I was not delinquent at all. My loan was current and I was never late. They told me not to make the XXXX payment and to follow the new schedule and make to start making the payments XXXX/XXXX/2016. Well they completed the modification and reported to the credit agencies that the loan was late! This has now serious affected my ability to purchase a new home. The lender was all set to move forward with my mortgage until they saw the XXXX late payment. I have the 20 % to put down, enough in reserves, was per-approved, never missed a payment on my mortgage or equity loan in twelve years! I need Citibank to remove the " late '' report so the lender will process the loan. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Credit card or prepaid card

I tried to make a transfer gor XXXX  and they debited my account but said XXXX  was not debited. My money was never returned. Today my account was debited XXXX from my account. My card is turned off and been turned off yet someone was allowed to take XXXX  off my account and say it was debited for cash as if they had my card and debited cash. I no longer want to use this company. I want my money back.
Product: Debt collection

XXXX XXXX sold my file to AD Astra Recovery Services. This was paid and has been disputed with AD Astra several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting
Product: Debt collection

In regards to : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX I sent a certified letter USPS that was received by Agent XXXX XXXX on XX/XX/XXXX. I requested verification and validation of this account which as of today 's date XX/XX/XXXX, I have yet to receive. Portfolio Recovery Associates, LLC apparently does not abide by the FAIR DEBT COLLECTION PRACTICES ACT. It seems that they pretty do what they want to do. They have not provided me with burden of proof of the original contract that bears my original signature. They continue to send boiler point billing statements without providing me with copies of any documents that show that I agreed to pay what they say I owe. Nor have they showed me how they calculated the amount that they say I owe. They did not provide verification or a copy of any judgement. I am truly XXXX and XXXX by the debt collection practices that Portfolio Recovery Associates, LLC thus far have done. They continue to report on my credit reports without validating that the debt is actually mines or providing verification and I want answers immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ha

s violated my rights . 15 USC 1681 Section 602 States I have the 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 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any pur
pose.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello to whom this my concern I have tried taking care of this matter but customer service wouldn't take care of it so I'm reaching out to you guys I have these inquires on my credit report that I did not request and need you guys help to resolve this matter
Product: Credit card

On XXXX XXXX, 2015, XXXX fraudulent balance transfers were made to my Capital One credit card. Within a few days I noticed the fraudulent activity and called Capital One to dispute the transfers to my account in the amount of {$4300.00} and {$5200.00} for a total of {$9500.00}. Capital One was very helpful and resolved the issue with a matter of a few days by removing the fraudulent transfers, in the amount of {$4300.00} and {$5200.00} to my account. Billing cycle XXXX XXXX to XXXX XXXX, 2015, Capital One gave me an additional credit for {$4300.00}, referring to this as a balance transfer adjustment - this additional transfer was a mistake and I called immediately to explain the additional funds were not mine as the fraudulent activity for that amount had been resolved. XXXX months later and XXXX phone calls with Capital One the credit of {$4300.00} was still on my account. I was still using the credit card account and paying the balance at the end of the month. On XXXX XXXX, 2015, Capital One sent me a check for {$3400.00} - money that is not mine. The XXXX XXXX to XXXX XXXX, Capital One billing statement showed no balance due - this is incorrect. I owed at least {$830.00}. The difference from the {$4300.00} credit. I seem to fail in my attempts to convince Capital One that the additional adjustment ( credit ) made in XXXX to my account is in error. I became so frustrated with Capital One after XXXX phone calls that I closed the credit card account. I also told Capital One that I had no intention of cashing the check for {$3400.00}.
Product: Mortgage

I am a XXXX Veteran and am unable to work. My previous mortgage company was XXXX Mortgage and my loan was sold to Chemical Bank. Prior to this transfer, I stopped my automatic payments and wanted to pay them myself. Since Chemical Bank took over the loan they have attempted on two difference occasions to withdraw monies from my account without my permission as I mentioned I had previously stopped my automatic payments. On the first attempt by Chemical Bank to withdrawal ( unauthorized ), I contacted them and advised that this attempt was without my permission. Then they again attempted to withdraw two payments from account - all after notice and without my permission.
Product: Credit reporting or other personal consumer reports

hi, my name is XXXX XXXX and one main financial made an improper credit reporting, saying I had one personal loan and gave me a hard inquiry for that personal loan. When I asked for it to be removed, they removed the had a personal loan, but they didnt remove the hard inquiry, this dont follow our credit laws
Product: Credit reporting or other personal consumer reports

Good day, this is really frustrating - the errors you keep reporting on my credit substantially affects my dream of reaching financial freedom. My new credit applications and loan requests keeps getting denied because of your inaccurate reporting, this is truly depressing. You keep on stepping on my rights as a consumer which is a clear violation of the law.
Product: Vehicle loan or lease

In light of the Administrative Proceedings File # XXXX ; Wells Fargo Continues to XXXX consumers violating them for undue unjust enrichment. See attached examples. Moreover, my account has been charged additional monies not agreed upon. Although I am a party of the administrative consent order. Wells Fargo is continuing the same behavior without respect to their consent order. They are stating checks have been sent to me in refund that have not ( see attached ). I am utterly disappointed and disgusted over the ongoing and continued behavior. 

I have completed the amortization on the loan and found the additional principal payments were not applied as paid commencing from XXXX Moreover, I have paid three times the interest amount which in itself constitutes Wells Fargo has reneged on the Consent Order. 

Moreover, Wells Fargo had thugs and thieves break into a locked closed garage on Private property, unlicensed to be onsite, steal my vehicle under false manufactured numbers.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **. 
2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX [ XXXX ]. 


I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Mortgage

In XX/XX/XXXX I received a Chapter XXXX discharge of all my debts, and in XX/XX/XXXX, Central Morgage Company XXXX, a mortgage servicer, gave me a mortgage modification agreement in which they created an escrow account to pay all my taxes and insurance as is customary. In XXXX of this year, the tax collector XXXX came to my door with a letter saying I had 30 days to pay off over $! XXXX in back property taxes with penalties and interest for the tax year XXXX. Perhaps I thought the taxes had been discharged in the bankruptcy or that Central mortgage had included them in the escrow because I did not pay thoses taxes, nor did the XXXX XXXX tax Collector inform me that this debt was accruing. It turns out that in small print of their annual tax statement, there is a small note, amost too small to notice, that back taxes were outstanding. the terms they offered for paying these taxes were unreasonably harsh, so I submitted this bill to Central Mortgage which they forthwith paid in full to protect their own interest in the property. Now they want me to repay this tax bill at the rate of {$1100.00} per month on top of my {$2600.00} a month mortagage payment for a total of {$3700.00} per month. I told them that I could not afford this payment and asked them to either remodify my mortgage or to spread the tax bill out over a longer period of time to make my payment more reasonable. They took over a month to ponder my request and have just refused to take any steps to make myi payment more reasonable. I find this to be very unreasonable and woud like help in resolving this matter more to my favor lest I lose my home. Also, I would like to know if I have any legal recourse with resepect to this usorious and totally outrageous tax bill.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous, unsuccessful attempts to remove certain items from my credit report. Despite persistent efforts and a substantial amount of documentation supporting my claims, these items continue to adversely affect my credit history, causing significant distress and financial harm. 

The items in question are as follows : I have initiated disputes and requests for removal of these items on multiple occasions. I have provided extensive documentation to support my claims, including proof of resolution, payment, or inaccuracies. Despite these efforts, these items persist on my credit report. 

The continued presence of these items has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the items in question. 

An investigation into the origins and validity of these items, including the verification of any claims I have made regarding inaccuracies. 

Immediate correction and removal of these items from my credit report if they are found to be inaccurate. 

An explanation for the extended delay in resolving these disputes and the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify these items and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your immediate assistance to remove the following fraud items in my credit report : 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
Product: Student loan

Federal student loan has not applied limited waiver to 4 months of my 10 year service thus requiring me to work for 4 extra months as part of a ten year agreement.
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 ( Account Name XXXXXXXX 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: Debt collection

I am writing in regards to a wrongful debt allocation by XXXX XXXX XXXX XXXX to the tune of {$4300.00}, as I have no knowledge or records of the debt in question. 

As we a few hard inquiries from XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Nel net is charging me interest on student loans when the COVID-19 emergency was extended to XX/XX/2022 without interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts reporting on my personal credit report, I am a victim of identity theft