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

I would like to say that this will be my first and only notice to United Revenue. My credit report shows that your company allege that I have a debt due to you and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due you are claiming, and your bill does not include a detailed breakdown of any fees. It should also be noted that I am on a payment plan with the original creditor. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/1996 ) 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 understand that the HIPAA does allow for limited information about me, but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until 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, of 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 will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, 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.
Product: Vehicle loan or lease

I was having problems making my car payments due to my prior XXXX treatments and the pandemic. I had to take off work for a while and was receiving my XXXX. Thankfully Capital One Auto Finance offered a plan that split my monthly car payments in half from XXXX to {$290.00}. After reviewing my account I noticed my Maturity date has been extended out for an additional year and a 5.9 % interest rate has also increased my increased interest payments as well. After speaking with a rep he explained to me the {$290.00} payments made for XXXX and the 5.9 % additional interest charges is what kept me in the car. None of the approx {$2500.00} in payments has whet towards my loan payments. Even though Capital one applied portion of the payments towards the principal they added XXXX payments XXXX XXXX to my loan which gives them the XXXX reduce payments and 5.9 % percent payments for free. I lost my money when I could just paid a month behind until things got better. This is so unfair. Now Im gon na be paying {$25000.00} for the car and {$20000.00} to Cap! This is not helping the consumer! This is robbery!
Product: Student loan

in XX/XX/XXXX I spoke to a Navient representative about my two private loans increasing in the payment amount due and if there is any way to lower the payments. They told me they were able to drop the payment from the {$220.00} amount down to, if i remember correctly to the {$170.00} range. It wasn't a huge difference, but this drop was enough to help. So I then scheduled the payment to cover that amount. this was early to mid XX/XX/XXXX when I did this just because I did not want any issues to take place with my payment. Which has happened multiple times in the past.

Now on XX/XX/XXXX I received an email saying that my request for that repayment option was denied. So I called on the XX/XX/XXXX to try and resolve the issue before my payment was due. They told me that I did not qualify, because my loans were not eligible ; even though there representative told me I did in the first place and that my payments will now be around {$220.00}. I just logged in today, XX/XX/XXXX, to schedule my payments for next month and the payment increased to XXXX and even worse when I called they told me I owed XXXX. How do these numbers not match? 

I called on XX/XX/XXXX around XXXX XXXX and explained what happened, my call was then transferred to a gentleman whose name I do not recall. He explained to me that my interest rate increased at the end of XX/XX/XXXX, which I never received any information from navient about the increase. I have screen shots of all the files that were ever sent to me through navient and none of them even bring up a possible increase in the interest rates of my loans. 

Long story short I was told that they can not do anything unless a call and so a budget check to show that I am under financial distress because of the loans.
Product: Debt collection

On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my girlfriend to call him for me because she works in the XXXX XXXX and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is XXXX XXXX XXXX XXXX. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.
Product: Checking or savings account

In XXXX of 2021, I accepted an offer from Citibank to open a XXXX savings account and XXXX  checking account. The offer stated that if I maintained a minimum balance of {$300000.00} in the savings account and a minimum balance of {$200000.00} in the checking account ( for a period of 90 days ) then I would receive a {$1500.00} bonus. I never received a bonus, though twice representatives of Citibank confirmed that the above conditions were met and that I qualified for the bonus. During my second complaint to them, they said they would " escalate '' the issue with the " Promotions '' department but that I would have to wait a few business days for that process to take place. The representative said that I was not the only person that had such a complaint. Obviously, I would like Citibank to be held accountable for false advertising.
Product: Credit reporting or other personal consumer reports

I recently pulled another copy of my credit report and I still see accounts reporting that I do not recognize.
Product: Debt collection

I am writing this complaint because I have not received enough information regarding an alleged debt furnished to my consumer report by a furnisher who is also a " debt buyer '' named LVNV FUNDING LLC. I am ensuring compliance by providing in this complaint a notice of debt validation regarding an alleged debt by LVNV FUNDING LLC.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX  bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15
U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

I have advised the organization I hold a priority Non-UCC lien over the Debtor ; Ive sent several request of rescission to liquidate and balance the accounts. My final attempt was sent with attached GSA documents to modify and liquidate the Performance and Payment bonds aka combined Fidelity Bond contractual agreements. You are operating as a For-Profit that doesnt report income ( my securities aka FRAUD ) which is tax evasion. Since this request was ignored this is the 1st of complaints being submitted through CFPB, complaints to follow XXXX, IRS, FBI, XXXX XXXX XXXX, SEC and OCC. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX DateOpened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX XXXX, XXXX Balance {$1800.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service, Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I am seeking appropriate action for the return of funds I lost due to this mistake on cash apps end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report and Equifax is not investigating properly. XXXX XXXX found the information to be inaccurate and removed it from my report. Equifax refuses to remove it even though i have mailed the paperwork and provided any information they needed. They said the information is correct. The call center is full of rude employees who do not want to help you solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and 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. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to correct a late open account with your institution. Despite my persistent efforts, this issue remains unresolved, causing significant inconvenience and concern. 

The late open account, which has inaccurately been associated with my financial profile, is adversely impacting my creditworthiness and financial stability. I first brought this matter to your attention, and since then, I have made several diligent attempts to rectify it through your organization. Regrettably, my attempts have not yielded any meaningful resolution. 

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate its inaccuracy. To my dismay, my request was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that this late open account is indeed erroneous. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences of this late open account on my financial well-being. It has hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive investigation into the legitimacy of this late open account and, if found to be erroneous, its swift removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct this late open account immediately : XXXX XXXX XXXX Balance : {$10000.00}.
Product: Debt collection

A collection agency " Midland Credit Management '' started threatening me about a XXXX XXXX XXXX bill. I've never had a XXXX  XXXX card, the card address was in North Carolina, I've NEVER lived outside of KS. The dept was not on my credit report, but the false North Carolina address was, which has been removed. 

Balance : XXXX The first I was contacted about this debt was by phone, late summer of 2020. On each of multiple calls, it was explained, never lived in NC, never had XXXX XXXX card. First contact in writing was XX/XX/2020. They mentioned another person on the account with a name other than my husbands, with a SS # different than my husbands. This info was also reported to them as not correct. 

Credit reports checked and found no mention of this debt. Reported the possible ID theft. 

About the same time, a fraudulent unemployment claim was made against me. I and my employeer reported it to the state of KS.
Product: Checking or savings account

I went to PNC Bank. Requested a withdrawal amount of {$1000.00} dollars. The teller provided me {$700.00} only and didn't provide me a receipt. Now, I would like to see the footage from the cameras of the branch for accuracy since they say in their sistem it says {$1000.00}. They aren't willing to help as I need their help clarify this. Please help me, if it takes me to testify in court I will. I need to see the footage of the cameras from XX/XX/2019 in the morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I sent via United States Postal service a letter summarizing the inaccurate information on my credit report that is causing me to not be able to secure employment and subject to higher interest rates. I specifically delineated the items that were incorrect. As of today, XX/XX/XXXX, the items remain on my credit report and it is apparent that my request is being ignored. This is well beyond the 30 days that is and a violation of my rights under the Fair Credit Reporting Act. Therefore, I am formally filing a complaint with CFBP and with my Attorney General of North Carolina, XXXX XXXX. 

The following reporting information is incorrect : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Any assistance for the " little guy '' will be helpful as I am finding it difficult to deal with the large institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on report.
Product: Debt collection

Was contacted on Tuesday XX/XX/XXXX via voicemail stating the following This message is for XXXX XXXX I'm XXXX XXXX and I've been instructed by location services to get in contact with you in regards to an active order that is in the process of being issued for your location at this point I have been instructed to contact your employer directly to advise them that once everything gets submitted they will have to make the determination whether you're on the premises of your employment or not I understand you have the legal right to contact the office filing these allegations against you up until the time you were processed I will provide you with the information listed on this affidavit first is the case number XXXX the phone number that you or your attorney will need to utilize is XXXX need to speak directly to their legal department when you contact their office understand that you will be processed at the premises of your employment or home unless we receive further instruction thank you. After this call I called and they stated that I owed a certain amount and they would take 10 % of amount owed. I stated I would have to see what I can do and I would a call them back. She stated she would call from a certain number that evening and she did not. I received XXXX calls from another number XXXX times within XXXX minutes with no message. The next day XXXX more times from a number after work that day I called the number I was given and ask if they take payments and was told only XXXX and must pay XXXX now. I explained I do not have that kind of money and I would have to call back. They called and let his message Hi XXXX this is XXXX XXXX and we spoke yesterday about the him about the settlement for the {$1700.00} you were supposed to meet with me um around um XXXX XXXX I called you never called me back so I don't know what happened with that him but if I don't hear anything back by the end of the day today __ the soonest him I'm going to him assume that you will simply ignore it and we will pursue legal action am coinciding with XXXX XXXX XXXX like I said I offer the settlement amount of the {$1700.00} but you never responded so you have to the end of the day to respond if not him you'll be served he will be served the court papers They attempted to continue to call before I called back. Today they called and I ask when the debt was from and who would I be paying I was told from XXXX  and I would be paying the hospital via them. I told her I was at work and I would have to call her back when I got off. Within the next XXXX minutes she called XXXX more times and left this message Hi XXXX this is XXXX XXXX am I trying to get in contact with you um unfortunately if you do not respond I'm gon na have to process on the paperwork and I'm gon na mark this down as you refuse to him comply and him as far as restitution being made him I'm going to revoke that offer and then I'm just going to have you served and I really don't want to do that. These are all messages that I have a copy of. The debt is very old and they threaten to contact employer. At no time speaking to someone was I told they were a debt collector.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX