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

MEDICAL DATA SYSTEMS INC HAS COMMITTED IDENTITY FRAUD AS A HIPPA VIOLATION. 
MEDICAL DATA SYSTEMS INC ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ) AND SHARED IT WITH SEVERAL XXXX PARTY ENTITIES. 
MEDICAL DATA SYSTEMS DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Product: Debt collection

PLEASE HELP ME, EVERYTIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Product: Credit reporting or other personal consumer reports

It saddens me that unauthorized inquiries are appearing on my credit report. I check it regularly, and now Im stuck with these unexplained issues. I tried refreshing the page, hoping it was just a glitch, but nothing improved. Please take a detailed look at my documents so I can stop worrying about this frustrating situation.
Product: Checking or savings account

1. As of to date, Navy Federal refuses to reimburse me for the amount of XXXX XXXX XXXX and XXXX XXXX XXXX   ( {$29.00} ) 2. On XX/XX/XXXX, I went to XXXX seeking to return a television I purchased from XXXX ( Order No. XXXX ; PO No. XXXX ). 
3. I informed Navy Federal employees during a phone conversation that on XX/XX/XXXX, a female XXXX   employee, DID DEDUCT/TRANSACT the above amount from my Navy Federal debit card number XXXX 4. Navy Federal employees are not resolving my concern. 
5. On XX/XX/XXXX, they even received my correspondence sent USPS certified mail return receipt addressing this transaction. ( # XXXX XXXX XXXX XXXX XXXX ) THEY NEVER RESPONDED! 
6. And so, I submit my complaint against this financial institution for failing to refund my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A MORTGAGE ON MY PRI, ARY RESIDENCE IT IS WITH XXXX XXXX. THIS LOAN IS NOT BEING REPORTED ON EXPERIAN, IT IS BEOING REPORTED ON ALL OTHER AGENCIES BUT NOT ON EXPERIAN. I REACHED OUT TO BOTH EXPERIAN AND XXXX EACH BLAMED THE OTHER, I PUT.A XXXX AGENT WITH EXPERIAN AND TO NO AVAIL EXPERIAN BLAMES XXXX  FOR NOT SENDING THEM THE INFORMATION, XXXX SENT ME A LETTER THAT THEY ARE INDEED REPORTING AND THAT EXPERIAN IS SIMPLY NOT REPORTING ON THEIR END. EXPERIAN HAS'NT CHANGED OR BUDGED THEY STILL DO NOT REPORT THE FILE. I HAVE ATTACHED THE XXXX LETTER TO THIS COMPLAINT PLEASE HELP I HAVE NO OTHER CHOICE BUT TO COMPLAIN THROUGH YOUR SERVICES.
Product: Credit reporting

I have attempted several times to get the tax lien removed however experian ignored all my attempts. I have applied with XXXX and got an approval for withdrawal which I sent to county of XXXX XXXX who confirmed that this is NO longer a public record and they are NOT reporting this to the bureaus which I have submitted to experian with hopes that they will remove this inaccurate information from my credit report. However, all my requests were ignored and nothing was done to correct this
Product: Mortgage

When I purchased my home I was told that I would need to pay flood insurance. I was told that typically conventional loans are less likely given for homes in flood zones unless they have a large down payment. I was also told that I would have no problem getting the home loan because it was backed by the VA. The structural integrity of the property is poor. I 've found that this property was just filled in wetland. Now that the seawall/bulk head has quickly gave way I have learned the repair/reconstruction cost of what is now known as the properties foundation will be more than {$30000.00}. It would not be covered in any homeowners policy. The home was remodeled directly before the purchase. You can see that the home is settling quickly deeper into the earth. I learned last year when a home across the road which is also in a flood zone that it was too purchased by a veteran. The previous owner was leaving because he said it was just floating. I paid {$290000.00} for a small lake cottage in Indiana and will need to put no less than {$50000.00} more into the property which was not disclosed to me. I was told there was nothing to worry about when I questioned a slight break in the bulkhead which has now fallen into the lake with a second 50 foot section breaking way quickly. I question whether veterans are targeted to purchase flood zone properties because the backed VA is most accessible for these locations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I XXXX provided proof to the credit reporting Bureaus. Per the FCRA they must remove these Erroneous trade lines within 4 business days. XXXX and Equifax have failed to do so.
Product: Credit card or prepaid card

Had a Sams Mastercard issued by Synchrony Bank. Last four are XXXX. Valid thru XX/XX/XXXX. 

SYNCHRONY BANK CANCELLED THIS CARD WITHOUT MY KNOWLEDGE. 

Synchrony claims my card had been reissued as a SamsMastercard Elite last XXXX XXXX and it had been sent months ago. Never received. They printed the same card and resent it via mail due XX/XX/XXXX. Never received. They did cancel my Sams id number. Got a new one.

SYNCHRONY KEEPS BLAMING THE POST OFFICE. 

Reordered card to be delivered via XXXX. 

Credit score is over 800. XXXX XXXX in full. 

Perhaps Synchrony is not making enough money on my card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

There were XXXX fraud transactions happened on XX/XX/XXXX, XXXX transfered to whom claimed themselves to be XXXX staff. The person received my payment claimed himself to be the XXXX of the XXXX company. He has my address, my name, my billing statements of several months. He asked me to make the exact amount of payment XXXX as I received from the billing statement from the mail, or XXXX to clear the warning list. I even received a one-time security code from XXXX, a XXXX number. Therefore, I made the payment. However, he said there was a processing fee that has to be added otherwise the payment won't match their system and he said this is the policy between XXXX and Citibank. So, I have to make another payment. After reporting to Citibank, I filed a dispute immediately and received credits back in a week. However on XX/XX/XXXX, they took my credits back which caused my checking account to overdraft. I filed an appeal to Citibank again on XX/XX/XXXX, the representative told me to allow 45 days to process my appeal. However, on XX/XX/XXXX, Citibank transferred my money left in my other accounts to the disputed account without my agreements. In this case, there were ID theft that caused the fraud transactions, money transfer without my agreements and Citibank 's professional misconduct.
Product: Payday loan, title loan, or personal loan

I bought a truck from from a gentleman for XXXX dollars then later found out it had a title loan on it from Titlemax. I highered a private XXXX to try and find out more about the situation, on XXXX XXXX, 2022 Titlemax had the truck repossessed along with all of my tools. The truck was not running at the time of purchase and I had been working on in for about a week, hence my tools being in the truck. My investigator notified Titlemax about this and they stated that they would have to get with their highers to get permission to let me get MY property out of the truck. I was notified later that evening that Titlemax authorized me to get my property but I had to drive to the recovery yard to get them, so the next day, XXXX XXXX, 2022 I drove for over an hour to XXXX XXXX XXXX in XXXX, Texas. I arrived at approximately XXXX I explained why I was there and they told me the truck was not there it had already left for auction in XXXX XXXX XXXX Texas XXXX I asked about my tools and property that was in the truck and I was told they didn't have it, I asked if an inventory hand been done before they took the truck which is Texas state law and they had told me no. I was told that I had 10-15 days to dispute any of this but found out that the truck is already at the auction house in XXXX XXXX XXXX Texas and is already being advertised on the XXXX web XXXX stating its value as {$2400.00} dollars, this has all happened in less than two days! I am trying my hardest to prevent this from happening but I seem to be losing this battle!!! I later found out that the loan was for {$1500.00} dollars, my tools and code reader was worth 5 times that!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent XXXX findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccurate information reporting to my credit file. 

Please review the following Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXX A collection is by default late AND past due Also, it should not be reporting as an open account Please delete this inaccurate information from my credit report immediately. 

Once you have completed my request, please send me a copy of my credit report reflecting these changes.
Product: Debt collection

On XX/XX/XXXX, I sent a debt validation dispute letter on behalf of XXXX XXXX XXXX XXXX XXXX to CAPITAL ONE BANK USA N via Registered Mail ( receipt no. : RF XXXX XXXX XXXX XXXX ), which they received on XX/XX/XXXX. ( See Exhibit A ) I sent this debt validation letter ( See Exhibit B ) to CAPITAL ONE BANK USA N because upon checking the credit report I noticed that they are reporting an account as being charged off. However, there is another entity by the name of XXXX XXXX XXXXXXXX claiming to be the company in charge of this alleged debt. ( See Exhibit C ) I sent a debt validation letter to XXXX XXXX XXXXXXXX as well on XX/XX/XXXX XXXX See Exhibit D ) which they received on XX/XX/XXXX, and I still have not received any response from XXXX XXXX XXXX either. 

I received a response letter from CAPITAL ONE BANK USA Ns Credit Bureau Resolutions department on XX/XX/XXXX stating that they could not provide any information or locate an account unless I provided the exact same information that was already listed in the original debt validation letter. ( See Exhibit E ) By their response, we are in agreement that pursuant to 15 USC subsection 1681 et seq., CAPITAL ONE BANK USA N failed to comply with the terms of the original debt validation letter that was sent to them on XX/XX/XXXX. On XX/XX/XXXX, I responded with a formal notice making CAPITAL ONE BANK USA N aware that they have acquiesced because they failed to comply to the original debt validation letter and they have failed to state a valid claim that a debt actually. Furthermore, the formal notice response letter I sent to CAPITAL ONE BANK USA N gave them an opportunity to cure. ( See Exhibit F ) On XX/XX/XXXX, I received a response from CAPITAL ONE BANK USA N admitting that they located this alleged account and they have placed a disagreement code with a resolution of dispute on my credit file with all of the major credit reporting agencies. This was done without them actually validating that a debt even exists. 

By their response, we are in agreement that CAPITAL ONE BANK USA N, once again, acquiesced because they failed to comply to the formal notice which gave them an opportunity to cure. In addition to this, by their response, we are in agreement that CAPITAL ONE BANK USA N, can not provide any contract bearing the signature of XXXX XXXX XXXX XXXX XXXX as requested. Furthermore, by their response, we are in agreement that CAPITAL ONE BANK USA N is trying to state a claim in this alleged debt while another entity, XXXX XXXX XXXX., is additionally stating a claim in this alleged debt matter as well. This is a violation of 15 USC subsection 1692 et seq. and 15 USC 1681 et seq. ( See Exhibit G ) CAPITAL ONE BANKS USA N has had more than 60 days to provide proof that an actual debt exists pursuant to 15 USC subsection 1601 et seq. and have acquiesced several times, which leads me to believe that CAPITAL ONE BANK USA N is being willfully negligent and willfully non-compliant. In addition to this, it leads me to believe that I can not receive a remedy.
Product: Debt collection

I was contacted by CREDIT CONTROL CORP in XXXX of XXXX for a medical debt originating from XXXX XXXX. I asked for copies of bills to sent to me I had moved in XXXX of XXXX and XXXX of XXXX. I updated my address with CREDIT CONTROL CORP on a phone call in XXXX. At that time, I made a good faith payment of about {$100.00} while awaiting copies of the statements. I gave the phone operator my credit card to keep on file. I never received the copies of the statements. On XX/XX/XXXX I was alerted via email from XXXX and XXXX that this account for about {$150.00} was placed in collections. I called CREDIT CONTRO CORP the same morning XXXX XXXX, XXXX and paid the balance in full. They said they had my card on file and that I had made a previous payment. When I asked why I didn't receive the statements they refused to give me an explanation. I asked for this to be removed from my credit report asap as I am going to settlement on a house on XXXX XXXX. They said they will not remove the debt collection from my credit reports. 
I feel I was not given proper notice and statements AFTER making a good faith payment in late XXXX of XXXX for about half of the debt.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

1. Received email notification that my payment was increasing. They have observed an " error '' in my loan payment, but I've been making the same payment for 15-18 years. I have tried to obtain more information about how they calculated the new payment and where in our loan agreement where it says they are allowed to change my monthly payment. After 3 different calls to customer service and waiting 5-10 business days for correspondence each time, I've yet to receive the information I'm requesting.

2. They are extremely careless with private and personal information. This includes sending me paper work in the mail with my full social security number unredacted. I have also received paper work about another of their customers including address, social, phone numbers, email address, parent name and addresse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit reports. I submitted a complaint letter to XXXX, Equifax, and XXXX by certified mail on XX/XX/XXXX. Here are the USPS tracking numbers XXXX, XXXX, ( third number was lost ). No relief from this inquiry as of yet. This is truly disappointing! Please assist me in this matter. The four days to remove these inquiry/reporting has past, why is this still on my report?
Product: Payday loan, title loan, or personal loan

We have two leasing contracts with XXXX leasing company. We have been trying to payoff this loan for two months now. Without any luck. They are rejecting our payment method. They only use automated or online ways to add a payment method and the system is rejecting our submission. There is not an option to payoff on our online account it only gives the payoff amount but it does not allow us to select to payoff the high interest loan. The customer service was of no help and when I asked to speak with a second supervisor he said he was the top supervisor and there was no one else that could help me. I feel like they are trapping me in this high interest lease to continue to extort payments at a high rate instead of allowing me to payoff the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT XXXX XXXX! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance XXXX {$910.00} ; XXXX XXXX XXXX : {$640.00} ; XXXX XXXXXXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX  Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance increase by {$25.00} Between XX/XX/XXXX to XX/XX/XXXX account balanced was increase from {$4200.00} to {$4200.00} I called XXXX XXXX and they said they do not know. 
Equifax doesn't know So Who knows?
Product: Credit reporting or other personal consumer reports

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding XXXX.
Product: Credit card or prepaid card

I  applied for a zero percent apr purchase card with BofA online. My application came back declined because I had a block on my credit. I tried calling numerous times to speak to someone and I could not get anyone to look at my application so I simply dismissed it. A couple of days later I received a call from BofA from an analyst that said if we can call the credit bureau we can get this credit card approved. We called and they approved my credit card. A couple of days later I received the card WITHOUT the promotion of zero percent purchase interest. I have called and spent hours on the phone with them and they said I do n't  qualify for the card with that promotion. If I did n't qualify for the card that I applied for then why was n't this communicated with me at the time of the application or when I spoke to the analyst to verify the product I applied for? If I was approved for another c ard ( one that I never applied for ) then why was n't this told to me in order for me to make a decision on  how to proceed? Instead, I get a card with a high interest rate that I never applied for nor that I wanted. This seems like a misleading practice to offer something to someone and then deliver another product that the customer does not want. I spoke to  XXXX   XXXX  in resolutions who was not able  to help and refused to allow me to speak to someone to file a complaint. I was told a manager would call me back and no one has to this point. I have wasted hours of my time in this and there is still no resolution in sight.
Product: Debt collection

I have two different debts on my credit reports showing a balance, but these balances are in different amounts. One is for {$1200.00}, and the other is for {$1300.00}. I should only have one debt. So I am unsure of which is the correct debt. TekCollect is trying to get me to pay on both of these debts even though it should only be one debt that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.
Product: Vehicle loan or lease

XX/XX/XXXX is when bridgecrest Financial Corp sent a Third party debt collector named XXXX XXXX XXXX to repo my XXXX  XXXX XXXX illegally. After repo driver repossessed the vehicle forcedly. I do have rights and those were broken by repo agent to the point I had to get an attorney for my rights been violated n breach of peace, after all that settled down a little, I checked my credit report for the car loan it said it was charged off while I still had the car. XXXX the car was charged off I should have received a 1099C but I never received one from Bridgecrest Financial Corp. It's showing Charged off on credit report and showing a balance owed.
Product: Debt collection

I was told this was a prepaid account at the time of the opening of the account and was never told that it would even have any charges when or if I closed the account. I tried to pay the amount owed to the company and before I was able to the company shut the service off although it was not even close to it being considered late at all. So I'm not sure why I have a debt with this company since it was a prepaid account.