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

This complaint is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
The following agency COMMONWEALTH FINANCIAL SYSTEMS and the following Original Creditor Name XXXX XXXX XXXX XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Florida medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX,900000XXXXXXXXX DEPT OF EDUCATION/XXXX,900000XXXXXXXXX, DEPT OF EDUCATION/XXXX,900000XXXXXXXXX DEPT OF EDUCATION/XXXX,900000XXXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022, called to report that my Husband had passed away and in going through paperwork found credit card I did not apply for in my name. Asked them if they could mail me the application paperwork and signature card so I could see when it was taken out and what was charged to it. They said they were sorry they did not have access to that paperwork I would have to file a complaint or see an attorney to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

hi! 
THIS CREDIT CARD COMPANY DID NOT SEND OUT THE FIRST BILL, ARE WAS STOLEN AT XXXX XXXX, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, IN WHICH THE CLERK STATED THAT SHE HAD 5 KEYS TO THE MAIL BOX! WHEN I GOT THE BILL FROM XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, IT WAS THE SECOND BILL AND OVER THE CREDIT LIMIT BALANCE BY ABOUT {$280.00}. THEREFORE THERE WAS OVER {$1000.00}. DOLLARS OF FRAUD ON IT! THE XXXX COMPANY WOULD NOT RELEASE THE FIRST MONTH BILL UNTIL THEY FOUND OUT MY BANK AND WHAT I OWNED! PROBABLY ATTEMPTED IDENITY THEFT. I PAID DOWN WHAT I THOUGHT THAT I OWED, FOR ONE MONTH USE! THEIR BALANCE KEPT CHANGING ALL THE TIME, JUST LIKE THEIR STATEMENT BILLS! 


NOTHING BUT BLATANT FRAUD ON THIER PART,  AND GOING THROUGH MY PERSONAL PROPERTY AT WILL WITH XXXX 'S, ARE FALSE PROPHETS, HELP!
Product: Credit card or prepaid card

A merchant accepted payment for resume writing services ( via Bank of America credit card ) and failed to deliver. This complaint is in regard to the unfair banking practices of the Bank of America Fraud Dispute process. 

On XX/XX/XXXX I contracted with a professional resume writer ( merchant ) to update my resume and provide additional services for {$380.00}. Payment to the merchant was required in full, up front, online. I paid via my Bank of America ( BofA ) credit card. The merchant failed to deliver on his contract, and made excuse after excuse when he would respond to numerous attempts to contact him. By XX/XX/XXXX when deliverables from the merchant were not delivered, I requested a full refund if he would not provide. On XX/XX/XXXX via email, the merchant agreed and responded that my refund has been processed. There was no refund to my BofA credit card account by XX/XX/XXXX, so I started a Fraud Claim through BofA. 

I responded timely to all of the BofA requests for information & signatures. About 2 months into the 3-month claim review period, the merchant responded to BofA to dispute the claim. The root of his flimsy claim was that his disclaimer notes no refunds are issued following development of initial work product. However, he did not deliver a work product, nor did I accept a work product. 

BofAs claims department then requested additional information from me, within 6 days, including an unreasonable request : A signed second opinion letter from another qualified merchant in the same profession, on their letterhead, that specifically details how each disputed item listed on the merchants original invoice is considered defective or not as described. The letter should include an explanation of the steps that are necessary to correct the merchandise or services, along with an estimated cost to repair. 

Providing 6 days to do this before closing the claim is ridiculous and unfair. In order to do this, for the services provided, I would have needed to hire another resume writer to do as much work as the merchant should have done, and more, costing as much as the claim. This is absurd. Any literate employee in the fraud department could have reviewed the materials I provided and made this determination. 

I responded to BofA with all of the information requested, excluding what was unreasonable and unobtainable within 6 days. BofA then closed the claim and gave the merchant back the funds that he defrauded me for.
Product: Credit card or prepaid card

On XX/XX/2022 I was scammed and the scammers gained access to my online Wells Fargo banking account including my checking, savings and credit card accounts. I went to my local bank and they told me to go home and call the Fraud line which I did. The agent closed my checking and savings accounts and transferred my funds to new accounts. At that time the agent didn't tell me that my credit card might also be vulnerable. He did tell me that the wire transfer from my checking account did not go though so I assumed I was safe. 
On XX/XX/2022 I saw XXXX XXXX at my local Wells Fargo and she told me again that the wire transfer hadn't gone through. She also said there was no activity on my credit card. Later on the XXXX, I checked my online accounts and discovered a cash advance taken on my credit card of {$9900.00} plus a {$490.00} cash advance fee. I immediately called the Fraud line to alert them to the illegal activity on my account and the account was closed but the wire transfer had already gone through even though this cash advance was in excess of my daily limit. I have not used this card in years and I have never gotten a cash advance so I believe that Wells Fargo should have prevented or at least alerted me that this was happening. 
On XX/XX/2022 I received a letter from Wells Fargo stating that the case was closed and the money could not be recovered so I was responsible to pay the cash advance, plus the cash advance fee, plus a {$64.00} interest charge for a total of {$10000.00}. I subsequently received a credit card statement from Wells Fargo for that amount. 

I am an XXXX XXXX XXXX woman who has been a customer of Wells Fargo for XXXX  years. I have never been involved in anything like this before and I feel that Wells Fargo should have offered me more protection. I also believe that this money should be covered by insurance that Wells Fargo has for credit card fraud. I want them to forgo payment of this credit card debt. I have asked them to reevaluate this but haven't heard from the.
Product: Credit reporting or other personal consumer reports

I disputed Debt Collection with Experian back in XX/XX/XXXX regarding collection placed on my account by XXXX XXXX. However, I don't feel like my dispute was properly investigated. It does not satisfy me the outcome of Experian investigation as the collection of {$7300.00} still remain on my account until XXXX XXXX XXXXXXXX as stated. I find this so unfair as XXXX XXXX was failed to provide me information to validate the debt they are trying to collect. 

Also, there are some old accounts still remain on my credit that should have been removed or deleted.
Product: Money transfers

I required the services of a software company in XXXX that creates mobile apps. I required the company to create a mobile app for XXXX and XXXX. I made XXXX Paypal payments in XX/XX/2016 and XX/XX/2016 for a total of {$3500.00}. The software company in XXXX has not been able to deliver my app. I requested a refund from Paypal and they stated that the XXXX payments did not qualify for a refund. Paypal stated that they were willing to refund the XXXX payment if I returned the merchandise that I purchased from the seller. I never purchased merchandise. I purchased a service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 I am reporting a fraudulent inquiries found in credit report
Product: Credit card or prepaid card

On XX/XX/2022 I have received an electronic statement notification from my credit card, a XXXX XXXX product. I didn't opt in for electronic notification so I attempted the card to be switched to the paper statement. 
on XXXX I called the number on the back XXXX XXXX and during the call to the call center in XXXX it was apparent to me that the person taking the call, XXXX, did not understand or comprehend what I was asking for. When I asked him to repeat what I was asking for ( switch to the paper statement ) he was unable to repeat it. Subsequently I asked for the US based supervisor and I was put on long hold and then at XXXX I was hung up on. 
I called again and after dealing with another XXXX based call person I was finally transferred to the supervisor in XXXX who after giving me the name XXXX and XXXX XXXX XXXX XXXX I was suddenly hang up on. 
The third call finally got me to the call center representative who was kind enough to forward me to the call center employee in the US.

Issues : 1 ) why the Citibank sent me an electronic statement reminder as I did not switch to it and prefer paper statement?

2 ) Why is the company disrespectful and negligent enough to outsource the CSR jobs to call center companies that not only poorly treat customers but do not have a basic comprehension of the English language to offer ANY meaningful assistance?

3 ) Why is the Citibank not willing to offer a letter of apology and steps put in place to make sure that what happened to me doesn't happen to others? What about 40 plus min wasted out of my life for a simple matter of having the paper statement sent to me?
Product: Student loan

Over the last three years that I 've been in repayment for my student loan, I 've had continual issues with the competency of Fedloan Servicing, the loan servicer that holds my federal loans. On multiple occasions I 've been confronted with issues in their online system, including missing direct debit payments which they 've then tried to charge me late fees for, and without notice increasing the direct debit amount by XXXX dollars when it should not have been increased ( i.e. my monthly amount due has n't changed, they just randomly increased the amount they took out of my account ). Their customer service is rude and unhelpful without fail. All of this has led me to lose all confidence in their ability to service my loans. If these seemingly simple issues are happening, what is happening that I 'm not aware of? If they ca n't do something simple like process a payment correctly, why should I have any confidence that they 're handling more complex things like compounding interest correctly? They are horrible all around and I hope they are seriously investigated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name : XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX reporting inaccurate Balnace XXXXXXXX XXXX  placing recent high credit XXXXXXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. XXXX did not investigate nor contact XXXXXXXX XXXX for the correct balance for XX/XX/2023. Instead untilize the XXXX system resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting XXXX CONTACT XXXX XXXX  to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and XXXX refused to contact XXXX XXXX to report accurate balance information
Product: Debt collection

PORTFOLIO RECOVERY uses abusive language in the way they attempt to collect a debt. They are very aggressive and intimidating in their manner. They need the money NOW and insist on getting your banking information before they send you written acknowledgement of your arrangement. They have REFUSED to send me a written acknowledgement of our arrangement and they said it was due to an " open complaint ''. I stated that my complaint had nothing to do with our arrangement and that I was entitled to file a complaint every time they were nasty to me and I would continue to do so until they changed therir tactics. I have called repeatedly to resolve this matter and they simply REFUSE because I filed a complaint that I am legally entitled to do. Regardless the issue is their REFUSAL to send me written acknowledgement of our agreement and the AGGRESSIVE MANNER in which they INSIST on attaining my banking information before issuing a written agreement. They are RUDE AND NASTY and someone needs to stop them. They can not force me to give bank information without a written agreement and they can not withhold such agreement as a way to harass me for filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

Asked TransUnion to removed unverified incorrect and inaccurate information on my credit report and report results of their investigation. Original request was XX/XX/XXXX and follow up letter on XX/XX/XXXX telling them they need to remove inaccurate information since nothing was done in 30 days
Product: Credit card

I was sent a debit card from US Bank, a bank I do not do business with nor did I apply for. 

I've made numerous attempts to contact the company via toll-free numbers and their website. Unfortunately, the only way I'm able to achieve contact with them is if I already have an existing account, if I apply for an account, or activate this fraudulent card. 

I have no idea why this card was sent to me and would have preferred to not submit a complaint against them, but their " contact us '' system makes it frustratingly impossible.
Product: Credit reporting or other personal consumer reports

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that TransUnion block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC Report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XX/XX/XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name :XX/XX/XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am sending this letter to express my concerns regarding Zelles handling of disputes, such as Cfpb lawsuit. I have used Zelle numerous of times and they have failed to investigate my claims. They informed me it was impossible to recover my funds and a lost. Zelle has failed to protect the consumers and left us vulnerable to scams. I feel Zelle should take full responsibility in this matter and correct this situation and all matters.
Product: Debt collection

I disputed this debt around XX/XX/year>. The creditor stated in the response on my debt that this item was removed. However XXXX is still reflecting it and when disputed through them the results came back accurate. So prince Parker did not remove this debt as stated and complaint has yet to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX