23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say 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 that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : 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 effectiveXX/XX/XXXX. 
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. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 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 XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) 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

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence of a third party or agency.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Debt collection

2 credit cards with XXXX XXXX XXXX  XX/XX/2020 {$730.00} and XXXX XXXX XXXX  XX/XX/2020 with a balance of {$1000.00} have been fraudulently opened up in my name due to identity theft. It says debt buyer for both is LVNV Funding. I have tried to dispute and I have also contacted by phone and fax to get this resolved by sending them the proper documents of my identity theft report to have this removed. Ive called numerous times and sat on the phone for hours to try and get this resolved. This is affecting my credit negatively. This account is fraudulent and does not belong to me. I want it removed immediately. Attached will be the identity theft report and proof of trying to communicate. Please do the right thing.
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX for a fraudulent charge to my debit card. Key has sent me no documents and I've literally spent countless hours attempting to reach their dispute department, unsuccessfully. I have been blocked on multiple occasions from reaching this department and asking the direct questions I need answers to, asked by the police department. The XXXX police department has now also filed theft charges against me per the person committing fraud against me, XXXX XXXX request. She has been threatening me and harassing me by phone the entire month. You have done nothing to stop this or protect me. I've reported every incident to you. You have failed to document any of it. 

Key has failed to act on my behalf to protect me in the slightest, and document the FALSE CRIMINAL CHARGES ALLOWED TO BE FILED AGAINST ME AS A RESULT. The XXXX police officer XXXX filed case XXXX against me with the DA 's office. XXXX  PD number XXXX. 

I have been on hold today for almost two hours and the supervisor XXXX hung up in my face after taunting me in a belligerent manner for over 20 minutes. He refused to answer any direct questions and blamed the entire scenario on me, the victim, many times over now. I still have received no documentation regarding the dispute. 

The police asked me, and I still need answered, how much was charged to my card on XX/XX/XXXX? How did she wipe out my account to XXXX? What is the ACTUAL AMOUNT FRAUDULENTLY CHARGED TO MY ACCOUNT ON XX/XX/XXXX? I need to know the amount attempted. Not ACTUAL AMOUNT, BECAUSE OBVIOUSLY I KNOW THAT AMOUNT. 

WHAT WAS THE ACTUAL CHARGE ON XX/XX/XXXX? If it was ACTUALLY XXXX, Why did she know the exact amount left in mt account and take it without authorization?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 CITIBANK NAXXXX, XXXX XXXX XXXX ran a hard inquiry into my credit without my permission/approval. And on XX/XX/2022 XXXX XXXX XXXX  XXXX Ran a hard inquiry into my credit without my permission/approval. This was in fact run because some fraudster tried to obtain something from those banks. I contacted both banks and I was transferred over to several people and no one was able to help me or tell me what happened. The hard inquiry is now on my credit history without my permission. And it is in fact complete fraud and I wish for it to be removed from my credit history. I called XXXX and they could not remove it as they said it needs to be removed by the two companies.
Product: Debt collection

Please investigate this Item. This is inaccurate XXXX  XXXX Bankruptcy XXXX XXXX VA
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Chase Ultimate Rewards points to book a flight on XXXX XXXX from XXXX to XXXX with a stopover in XXXX XXXX scheduled to depart on XX/XX/XXXX. On XX/XX/XXXX I discovered that the flight had been cancelled. I contacted Chase Ultimate Rewards to refund my points so that I can make alternative arrangements. Chase Ultimate Rewards has refused to refund the points claiming that " it is up to the airline '' however US DOT rules require airlines to refund passengers for cancelled flights, and as the issuing agent Chase is also responsible to refund the points. Chase reached out to me again in XXXX by email notifying me that the flight had been cancelled and asking if I wanted to get a refund or boo an alternative flight ( although no flight to XXXX   is/was available ) I requested a refund. However, when I called to see if the refund had been processed I was again told that Chase would take no action unless they heard first from XXXX  XXXX ( which has been completely unresponsive ). They have shirked all responsibility to their customer as both a financial institution and an agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This graveerror has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The Gramm-Leach-Bliley Act makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the Gramm-Leach-Bliley Act. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me In accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A incorrect error was placed on my XXXX, XXXX, and XXXX credit report that is saying I owe the Loanshark company called LoanMart as back in XXXX A title loan from wheels XXXX XXXX, XXXX XXXX LoanMart as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by Loanmart was actually {$2900.00}. Loanmart was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of XXXX XXXX  XXXX XXXX XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. Loanmart fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, XXXX, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named Loanmart . This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per XXXX and they said they don't have to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of purchasing my home. My XXXX credit doesnt populate with my social security number for Experian. When I called on XX/XX/XXXX I was told it would be fixed in 3-5 days. Ct : supervisor XXXX - XXXX ticket : XXXX. I called again XX/XX/XXXX ct : XXXX was assured support ticket had been closed. All issues resolved. Attempted again XX/XX/XXXX to pull XXXX and again XXXX for my social. Called Experian again. First contact found the issue. Transferred me to customer service where the rep has instructed to upload : DL SS and proof of mailing address - all uploaded. And another wait for 3-5 days. Im about to lose my {$20000.00} escrow deposit and I still have no guarantee that my credit report issue will be resolved. When I requested a supervisor- I was left on hold for an 1 hour and 16 minutes because she didnt want to put a supervisor on the line. 
This is extremely frustrating because there is no one to complain to. No one wants to get the problem solved and XXXX cant close on my house without it. 
So who protects the little person????? 
Experian is where customer service goes to die. This is insanity and exasperating
Product: Debt collection

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting a investigation and want validation of any debt that is reported to the credit bureaus. Specifically, I am requesting that you provide the following : Verification of the Debt : Documentation that proves the validity of the debt and my responsibility for it, including a copy of any signed contracts or agreements.Complete Payment History : A full accounting of the debt from the date of origination, including any payments made, interest, fees, or other charges that have been added.Proof of Reporting Accuracy : Evidence that the debt has been reported accurately to all credit reporting agencies.Current Account Standing : Confirmation of the accounts current status, including any outstanding balances and any changes made to the account since it was opened.If any errors or inaccuracies are found during your investigation, I request that you promptly notify all relevant credit reporting agencies to update my credit report as required under the FCRA ( 15 U.S.C. 1681i ). Please note that, under the FCRA, the credit bureau is required to respond to disputes within 30 days, and I expect your investigation to be completed within this time frame as well.Additionally, please refrain from reporting this debt as delinquent or taking any adverse actions against my credit during the investigation period, as required by the FCRA ( 15 U.S.C. 1681s-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX 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 an account without my written instructions
Product: Checking or savings account

Capital One is withholding a refund that was issued in XX/XX/2021 ( attached ). The reason I was given is that the transaction in question states the item was delivered, based on a photo ( attached ) that shows the merchandise leaned against a brick wall. That could be anyone 's house. The items in question were not delivered.. XXXX XXXX has validated that at least 6 times and issued a credit for which Capital One is not releasing. Also the drivers log provided does not state the items were delivered, it states the anticipated delivery is .... see CFPB complaint XXXX. It also seemed to me that once the bank issued their response, that was it, as if the claim had not truly been investigated. Very disappointing.
Product: Credit card

I did a debt consolidation in XXXX and a check was sent to Barclay Bank for {$6700.00} from my financial institution and not my personal account. Per my financial institution the draft was cashed XX/XX/XXXX and as of today XX/XX/XXXX the payment has not yet been posted to my Old Navy Credit Card. Barclay Bank has reported me past due to the credit bureaus and fees and interest have been accrued. A second check was issued since the creditor said they never received the first pmt and that payment was not accepted by my institution because it was in fact cashed in XX/XX/XXXX. I have faxed over copies of the cleared draft and still nothing is being done but they want almost {$800.00} to being my account current. I can't afford to pay my loan payment AND this credit card which was paid in XXXX. No one can tell me where the funds went in XXXX. Please help me.
Product: Debt collection

I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'XXXX/XXXX XXXX. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. XXXX - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted XXXX on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX  XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer. 

How can this be?
Product: Bank account or service

I have been retiered for a number of years. My XXXX pension is giving me less and less dollars each month due to the constantly stronger dollar. 
Now I am starting up a small XXXX in order to make some extra income. To start up even a very small XXXX takes some money. I asked my bank, Chase, for a small loan but they did not even let me file an application. 

During this start up time money has been very tight and now and then the balance on my bank account dips under XXXX and I get hit with tons of fees for INSUFFICIENT FUNDS. 

During the past 12 months the bank has hit me for {$1300.00}. This is unacceptable. I am sure their lawyers have it covered so that it is legal but is it moral? NO! 

I had a fight with XXXX Bank about the mortgage on our house. Needless to say it is no longer our house. XXXX was very unfair in their dealing and they just recently agreed to pay a penalty of close to $ 1Billion for their wrongdoing! 

I took this info in writing to my bank office in Surprise, AZ but 2 months later I have still not got any answer.
Product: Student loan

Hello, I submitted my PSLF paperwork to fedloan in XXXX. In XXXX they approved 83 payments. They did not include payments I made from XXXX XXXX XXXX while I was working for the XXXX XXXX for a member of XXXX and that employment was also not listed as an approved employer. I have called FedLoan 3 times but they tell me I need to wait to for the waiver to be applied. But these payments arent part of the new waiver and should have already been counted. I submitted a complaint through studentaid.gov on XX/XX/XXXX. Their website says 15 days and I should hear back but I called at 15 days, 30 days, and again today at 35 days and they still have no information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$130.00}
Product: Consumer Loan

I had a auto loan with Santander USA. I paid the balance of the loan in full in 2013 and received the car title, however Santander repeatedly calls " in an attempt to collect a debt ''. I have explained at least XXXX times that my loan is paid in full and keep asking to be removed from their call list. I am told each time that I would be removed, just to find that they continue to call. The latest call was received this evening.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 


XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have requested that this company send all documentation ( not company printout ) that I owe the debt ( progressive ) in question. They lied to the XXXX and said that they sent documentation in previous months but yet on my credit report, they say I can not be located. You can locate me at the address that you admitted you have on the XXXX response. Nothing has changed. I have demanded yet again documentation and the company stated they would send something and I have not received anything. They clearly have my mailing address. Don't say you sent anything unless you can show proof that you sent it. 

I demand solid proof of validation, contracts, my signature, etc ......