23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Financial Data Systems has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested. The letter below is what I have sent them and the 3rd party company has not responded to my requests. 
The account number for this 3rd party creditor is XXXX amount {$14.00} The letter below is what was sent to thm regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Finanacial Data Systems, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Financial Data Systems in the amount of {$14.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation 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. 

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

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity. my Proof of Address. and my W2 report.
Product: Credit card

Issue Summary : Card Cancellations : My credit cards have been suddenly cancelled on three distinct XXXX XXXXXXXX XXXX XXXXXX/XX/2023, and XX/XX/2023. 

Annual Fees : Following each card reissuance, I have been subjected to the levy of annual fees, precipitating multiple payments within one year. 

Detailed Account of Events : Cancellation on XX/XX/2023 : Return Payments : Instances occurred on XX/XX/2023, XX/XX/2023, and XX/XX/2023, facilitated by XXXX XXXX. Unknown to me, payments were blocked due to an auto-pay arrangement initiated without my consent. Following its discovery, all subsequent payments were blocked. 

Notice of Cancellation : Dispatched on XX/XX/2023. 

Customer Service Interaction : Numerous attempts were made to resolve the issue, marked by extensive holding periods and disconnections. 

Resolution/Outcome : The proposed resolution was to reapply for another credit card. 

Cancellation on XX/XX/2023 : Risk Analysis Teams Decision : The card was terminated without prior notice or explanation. 

Issue Date of the New Card : XX/XX/2023. 

Customer Service Interaction : At present, efforts to secure an appropriate corporate contact for escalation remain unfulfilled. 

Resolution/Outcome : Advised to reconvene after 42 hours to investigate the possibility of a refund for accrued points and annual fees. 

Impact and Concerns : The unforeseen cancellations and subsequent communication deficits have adversely affected my credit score. Repeated and undeserved annual fees are unacceptable and demand immediate rectify.
Product: Credit reporting or other personal consumer reports

Transunion wont remove the following records despite multiple disputes Can you please remove the following inquires below from XXXX, XXXX and Transunion reports I have hired a professional company however the credit agencies are not compliant. 
XXXX : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Transunion : XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am getting system error prohibiting me from controlling by protective credit freeze on Trans Union. Therefore I am at undue risk because I can not take advantage of their advertised services via Trans Union Service Center. I have been receiving this error for months Sorry, we're having trouble showing the status of your credit freeze right now I have called multiple times. Late in XXXX, someone opned a technical support case and said the issue would resolve overnight. ( case # XXXX for freezing error - escalating to " special handling '' department System Error- ) On XX/XX/XXXX spoke to XXXX, said it was not escalated to the r '' special handling ''. She claims to have escalated it to special handling and said I will get a call back my cell with XXXX biz days. I never received a call back. 

On XX/XX/XXXX I followed up and received the following responses : XXXX. I called to complain and gave my case number. The rep had trouble understanding me and did not speak understandable English and hung up the phone loudly while I was explaining my expectations XXXX. Called back. Agent did not understand me, then cited call difficulties and hung up. 

XXXX. Called back. Explained the problems I was having to another agent. The line went silent then terminated. 

XXXX. Called back and asked for escalation. On hold for XXXX minutes. No response. 

Each callback requires multiple security prompts and takes several minutes to clear. 

I am still experiencing the error. I am still at risk because I can not control my credit report conveniently and with the same expectations other users have via the advertised features on the site that I am enrolled in and should be able to access.
Product: Mortgage

I applied for a refinanceon my conventional home loan over a month ago with the approximated date of XX/XX/2020. On XX/XX/XXXX I received an e-mail with documentation from Freedom Mortgage, that I signed in regard to a refinance. XXXX XXXX XXXX was the loan officer who sent me the documentation.On XX/XX/2020 I contacted Freedom Mortgage to find out the status of the refinance. I was told my refinancewas closed and I would be contacted in 24-72 hours. 72 hours has past and no one has contacted me.The loan XXXX XXXX XXXX XXXX did not call or e-mailme as to the reasonwhy the refinancewas closed. On XX/XX/XXXX I was told that the conventional loan officers are not taking calls. I have talkedto over 9 people at Freedom Mortgage with no resolutionoffered for my case. The last person I talked to stated that she can place a request for me to be contacted in 3-5 days. I am a XXXX with XXXX XXXX XXXX. Can you please help me. 

A home owner
Product: Debt collection

XXXX XXXX ( XXXX XXXXL XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$680.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX  XXXX Balance Owed : {$880.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I set up a payment for the amount of the settlement and they took my bank information and set up a payment of the same amount for another date.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I did not authorize these accounts. On XX/XX/year> I sent my FTC Report to XXXX, XXXX, Equifax. I am following to process of reporting identity theft. I will be making a police report. Also I am willing to file a civil suit for reporting inaccurate information on my consumer report.
Product: Credit card

I am filing this complaint to document a series of issues related to my account payments, communication with customer service representatives, and address updates that were not properly handled. 

XX/XX/XXXX : I made a payment of {$200.00} using my new bank account to pay my credit. This payment was later reversed by my bank on XX/XX/XXXX. 

XX/XX/XXXX : I made another payment of {$300.00}, which was also reversed by my bank shortly thereafter. 

XX/XX/XXXX : A payment of {$150.00} was successfully made. 

XX/XX/XXXX : I made a payment of {$210.00} to bring the account current for XXXX, XXXX, and XXXX. This was also the date my account was closed. 

XX/XX/XXXX : On this day, I contacted customer service and explained that my new bank had been rejecting payments. I requested assistance to ensure that future payments would not be reversed. Additionally, I requested that my address be updated to my XXXX XXXX since I had not lived at the address on file for over three years. 

XX/XX/XXXX : I contacted customer service again and explained the entire situation. The representative confirmed that my account had been closed on XX/XX/XXXX. However, the representative refused to provide me with written proof of our conversation or a reference number. I explained that I had not received any mail regarding the closure because my address had not been updated to the XXXX XXXX I requested multiple times. 

XX/XX/XXXX : I contacted customer service again and recorded the call. I reiterated the timeline of events and requested written proof of our conversation to submit to the credit bureau. The representative informed me that they could not update my address because the account was closed. Despite my explanation that I had requested an address change prior to the account closure, no resolution was provided. 

Throughout this time, I spoke with multiple customer service representatives and encountered significant issues that remain unresolved : 1. Payments were reversed by my new bank account, causing confusion and delay in account reconciliation. 
2. Despite repeated requests to update my address to my XXXX XXXX XXXX the company failed to do so, resulting in missed communications. 
3. The refusal to provide written documentation of my conversations or reference numbers has hindered my ability to resolve this matter.
Product: Mortgage

I have had a terrible experience with my mortgage servicer, Planet Home Lending. I recently filled a borrowers assistance package due to loss of income. The entire review process has been a disaster. I've called them many times over the last month during the review to check in on the process. Each time, when speaking to a representative from the loss mitigation team, I've received different explanation and possible solutions to my problem. 

I was hoping to receive a temporary forbearance until my income improved to normal levels and told that was possible without going into default and then finally told it was not possible to achieve without default. This is also after an initial decision by Planet denying my request and me calling and being told I should file an appeal then only to be told a week later that my appeal would not make a difference. 

Again, I spoke to many, many representatives within the loss mitigation team and was told different things every time. I've wasted countless hours and still don't know what I can do to avoid imminent default even though I've been working tirelessly to try and work with Planet on a solution. I was also told during the process that they would remove a late fee for me only to call back a week later and told it was not done and that they don't ever remove late fees. 

The whole process has been a nightmare and extremely frustrating as I've been working, in good faith, to try and get ahead of a problem and avoid default.
Product: Debt collection

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX & XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX & XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX & XXXX XXXX immediately thanks.
Product: Debt collection

Credit collection services calls me at random times, even masking their number as a phone number from a local area code so I can pick up, only to hang up immediately as I answer the phone. This is a tactic to try and bait me into calling them back and I assume to contract with them because they know I do not have a contract with them. I've never received communication or had oral communication of any kind with this company and they parked this alleged debt onto my consumer report and by law there is a strict no parking rule. They ignored this rule and parked the alleged debt anyway causing me harm to my livelihood and general mode of living. There are strict guidelines according to the FDCPA and Regulation F that a debt collector must follow and it is to my knowledge that they haven't followed those strict laws. Furthermore they listed progressive as the original creditor on my consumer report and I know for a fact that information is incorrect. I do not have any contractual obligation to credit collection services and I know they can not produce such evidence of an obligation because they have no PROOF of claim.
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a donation for XXXX XXXX XXXX in the amount of {$1000.00} via Paypal. On XX/XX/2022 Paypal stated that I need to provided them with additional information. I provided them copies of my State ID card, and all the other information requested. On XX/XX/2022 Paypal stated that they would be holding the money for 180 days, closing my account, and charging me a high value fee. On XX/XX/2022 I tried to a phone to Paypal but it was too late. On XX/XX/2022, I called Paypal I spoke with a customer service representative who refused to provide me with any information as to why my account was closed or what happened. On XX/XX/XXXX. XXXX  I mailed a letter to Paypal requesting arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. I received a collection on my credit report on both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Midland Credit Management XXXX XXXX XXXX XXXX  ) for {$610.00}, allegedly from XX/XX/XXXX. I am unaware of this account and do not understand as to why it took XXXX years to come about and ruin my credit.
Product: Debt collection

XXXX is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.
Product: Mortgage

loan XXXX, loan serviced by Ocwen ; Ocwen will not admit that their creation called Shared Appreciation Mod is dead and cancelled. Signatures are not real by either party. 
Ocwen keeping the mod alive in order to keep the payments made. A new loan mod requested has been submitted.
Product: Debt collection

I CALLED ON THIS LAST XXXX. CALLED XXXX FRAUD DEPT. WAS TOLD THIS WAS A SCAM AND.IT.WOULD BE STRAIGHTENED.OUT. I NOW.GOT A COLLECTION LETTER FROM IC.SYSTEMS. THIS.IS NOT MY BILL
Product: Mortgage

The first thing was that I informed that I would have partial modification for my mortgage. However when I took my taxes in last year they informed me that they gave me a full modification. Secondly my escrow and taxes for my house went up almost two hundreds. They informed me that this was an estimate for the house for they next year. Two year ago I over paid in my taxes instead of them given me options that made the choice for me which I did not understand why did they asked me I would had put for payment. I can not trust them because I have not seemed the changes in the amount for the outstanding amount. It is always the same I know I have reduced the amount. I have been paying on this house for at least 15 years and they still saying that I old XXXX on this house. This house is not even worth that much. At not time have they as if I was a service man Finally I thought when you getting a modification that you do n't pay they tell me to keep paying until it is final.