23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Sir/Madam : My name is XXXX XXXX . I am a physician and a recent graduate of small-time law school. I am perplexed at the allowed misrepresentation by the powerful banks that are attempting to profit from money transfers between insurance companies and physicians. 

Facts : XXXX pays out approximately XXXX XXXX dollars to physicians and other medical services. The credit card companies want a part of this pie ( XXXX percent of XXXX XXXX XXXX XXXX ) by paying physicians with prepaid Visa card/Mastercards. 

I hope you understand that the medical insurance companies and the banks are violating so many HIPPA laws, violating contractual obligations, and misrepresenting the truth of the matter behind a curtain of " providing speedy payments '' to the physicians. 

1 ) Violation of HIPPA laws requires that patients provide consent for treatment, payment, and Health Care Operations Disclosure. This law allows for disclosure between banks, insurance companies, and physician offices. ( IT WAS NEVER MEANT TO SHARE PATIENT INFORMATION WITH VISA CARDS/MASTERCARDS PROVIDERS WHO PROVIDE DATA ANALYTICS TO THE FINANCIAL WORLD! ). 

Do patients know that the financial world uses client data to make financial decisions? 

2 ) Violation of Contractual obligation.

The insurance companies provide a fee schedule for any treatments provided by physicians. The fee schedule for example for EM 99291 may be {$180.00} dollars. This implies that the physician will be paid {$180.00} dollars for a particular management. However by paying in prepaid visa cards. NOW the physician is paid not {$180.00} but {$170.00} ( the Visa Card/MasterCard transaction fee of XXXX XXXX  or XXXX  transaction fees ). This may seem like a small number but over the course of the year, these transaction fees can add up to thousands of dollars in payment loss. 

3 ) Misrepresentation : I received a pre-paid card from XXXX. The document states " Patient Payment Enclosed. '' Along with this, it states, the patient 's name, address, account number, date of birth, service date, and {$180.00}. 

I personally called the patient and asked if he " actually '' paid me. The answer is NO. The patient did not pay me, the insurance company paid me! Furthermore, the patient did not agree to have his personal information shared with the credit card companies! 

4 ) Finally, the insurance companies force physicians to accept the payment by providing an expiration date on the pre-paid card. The expiration date would be only XXXX months. I have never been paid in any tender that expires in 2 months! 

I believe that the BIG Banks feel that physicians and patients are stupid and will never understand what is going on ; however, they are wrong. We are not stupid. I would like the XXXX to inquire and set standards in money transfers between insurance companies and credit card companies! 

Sincerely, XXXX XXXX, XXXX, XXXX
Product: Student loan

I am a previous student of XXXX XXXX, received a letter from the department of education it was a Notice of Eligibility for loan discharge on XX/XX/2022 Because thr school was involved in fraudulent activities and the new servicer ED financial is refusing to honor the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against XXXX  on the CFPB Website on XX/XX/XXXX The Response I received from Equifax did not address my issue. I expect that a human review this complaint and the account with care and do not send me canned computer generated responses that do not address my issue Equifax has removed a derogatory false account from my credit report twice as I requested by sending proper documentation. Equifax keep putting the account back on my credit without notifying me This is a direct Violation of the Reinsertion Law in the FCRA. Equifax did not address this concern at all. Both times this account was placed back on my report I never received any written notice five days prior. I did not receive any notice at all this is a XXXX  XXXX  account and due to the violation of the FCRA Twice I demand the account be permanently deleted. I will seek attorney representation if this is not handled properly I know the laws in the FCRA this is not fair to me or my credit report I am also putting the complaint in here from the XX/XX/XXXX if I get another canned response that does not answer my complaint I am calling my attorney. I hope my time will not be wasted this time.The Original Complaint is below : My entire wallet was stolen and I have submitted several FTC Affidavits and also a police report to Equifax for the same account over and over. The Account is XXXX. Equifax Removed the account on XX/XX/XXXX and then added it back. I disputed it again and they removed it again between XXXX XXXX. Equifax keeps taking the account off and then placing it back on. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior of the account being reinserted and I demand that this account be deleted permanently. This is a direct violation of the FCRA and a direct violation of the Reinsertion Law. Equifax has taken the account off several times and keeps taking it off and placing it back on. This effecting my life and emotional wellbeing. Equifax is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them Permanently DELETE THIS unauthorized ACCOUNT
Product: Debt collection

On XX/XX/year>, I received an email stating that my consumer report scores had decreased. I went into my fico profile and discovered that there had been a collection added to my XXXX, XXXX, and XXXX. I immediately disputed the collection account being that it isnt my account and I believe that someone has used my identity.
Product: Credit card or prepaid card

I was denied a signup bonus ( XXXX points ) for a new American Express Platinum account. I was denied on the grounds that I already had the card, but I have never actually had it. I had a different variant ( XXXX ) for two years but this is a different card with a different product name. 

Further, American Express never told me I wasn't eligible on sign-up. Usually, the company notifies me with a pop-up window.
Product: Mortgage

My Mortgage is exempt from state property tax but I have to pay local school tax which is $ XXXX year my insurance is $ {$990.00} a year I have been paying {$2600.00} each month now they said my XXXX  is {$1700.00} in the red and they said my new payment is {$2800.00} monthly last year I paid my school tax out of my pocket and got no explanation for the bill over payment I dont trust this company at all account number with Carrington Mortgage is XXXX XXXX they refused to give me a explanation why they are doing this, Im XXXX XXXX XXXX is XXXX XXXX XXXX XXXX Md XXXX phone XXXX email, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me XXXX XXXX XXXX
Product: Credit card or prepaid card

Since around XXXX/XXXX  right after I got notified that my Citibank Secured Card was completely comprised. I sent them a XXXX deposit and tried to rectify the problem back around that time. To no avail they have a zero  Fraudulent liability and refused to honor their contract. I called several times trying to resolve this problem but I would get a customer service experience from another country and they said nothing could be done. I called twice then Covid hit and I had to take care of my family so Citi Card was on the back burner until I recently received a collection notice from them I called them back and requested they file a fraudulent dispute and they did so according to the representative I spoke with today they issued a new card and its the account is in the security operations department. The reason for this complaint is just to keep Citibank accountable for their actions and not throw me aside because I happen to have a secured card. So far everything is working according to plan regarding the disputing process as per Citibank. But as of today there still is a balance of {$490.00} remaining that needs to be credited to the account Reflecting a XXXX  balance and {$600.00} available credit. Today I received a XX/XX/2020 response to your request for COVID-19 assistance which I never asked war and the letter happened to deny me for assistance the only thing I wan na receive from Citi Card is A : check for {$600.00}, B : A brand new Citi Card credit card reflecting XXXX balance and {$600.00} available credit. This process should have been resolved months ago but because of poor educated bankers at city Bank unfortunatelyThe matter never got resolved but I believe Citi Card is going to do the right thing and resolve the XXXX crediting my account reflecting a XXXX  balance with a {$600.00} available credit for purchase. We are in the mist of a pandemic this is not the time for the banking system to toy around with their clients finances whether its XXXX or {$6000.00}. Fortunately enough for me I believe finally my account is in the right hands but lets wait and see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XXXXXX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is unknown to me, I have never heard of either of these companies or owe a debt like this. I requested validation and nothing has been received. Please help assist
Product: Credit reporting or other personal consumer reports

I have requested that XXXX XXXX Opp Loans stop reporting my information to non-affiliated third parties as well as the credit reporting agencies. I sent them a certified letter ( Tracking Number XXXX ) that was recieved on XX/XX/year>. I have not heard back from them honoring my request and they are still reporting on my credit report. 

I have attached the letter to complaint I am requesting they stop reporting my information immediately.
Product: Checking or savings account

We are trying to connect our PNC accounts with other institutions who are using the XXXX   XXXX  to do so, but PNC is not allowing these connections to be made. It makes banking unnecessarily difficult and is therefore very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF  PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 



2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 



3. Date : XX/XX/ Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 




I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax, XXXX  and XXXX. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 





Sincerely, XXXX XXXX XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : PA Banking and Securities
Product: Checking or savings account

Chase bank froze my account and held my payroll funds. 
I woke up on payday and my direct deposit had not posted. I called my employer and they said they posted to my direct deposit account on file. 
Upon calling chase they said they froze my account and are closing it. There was no notice and they posted a notification the day they closed it which was the day of payroll!!! And immediately froze my funds and after XXXX hours no one could tell me why or tell me how to get my payroll. 
After 5 days they allowed me to withdraw my payroll. Still have no idea why they closed my account. Then all bills paid from this were late and rejected and caused me fees to returned payment fees.
Product: Mortgage

My Request for Mortgage Assistance ( RMA ) application was denied due to my loan already reaching its original maturity date ; however I am appealing this decision due to the following Ocwen impediments which got in the way of a timely submission:1 ) No continuity of contact with Ocwen XXXX I 've spoken to XXXX agents and been assigned XXXX Relationship Managers in three months. 

2 ) One example of an unnecessary time delay was when I was rescheduled for an appointment 18 days after we got disconnected! 

3 ) Received inaccurate and inconsistent information on solutions in a timely manner as well as when and how I could submit the application. The HELOC is on a rental property that is " under water '' due to housing values in this area not returning since the great recession and hence no refinancing can be done to recoup the full principle balance ; however, I am still able to make the monthly mortgage payments. 

4 ) Ocwen 's inability to receive my RMA submission after being told where to send it and Ocwen 's inability to perform any appropriate follow-up in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report as reported by all three credit bureaus. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-XXXX for {$2900.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>XXXX 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable.Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act JXXXX XXXX XXXX XXXX  acct 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: Credit reporting or other personal consumer reports

I owed a balance for XXXX XXXX XXXX XXXX XXXX XXXX and paid {$120.00} in XXXX of XXXX. As of XX/XX/XXXX, the account still has a balance owed. I have tried to call and email XXXX. They will initially respond but once I tell them why I need help I get no response.
Product: Mortgage

Freedom Mortgage, through their subsidiary XXXX XXXX XXXX, purchased the rights to my loan in XX/XX/2020. In XXXX, I was contacted directly by Freedom mortgage to offer a 0.25 % rate reduction at no cost to me, no term reset, no addition to my loan balance. This was provided in both email and on a recorded line. 

After accepting, providing authorization to run my credit, and providing a full package of bank statements, pay stubs, w2s, insurance information, loan agreements for auto loans, and many more daisy chained requests, Freedom delayed the closing for weeks upon weeks at a time, then requesting a refresh of information ( new pay stubs, additional payment information on insurance even through they hold my mortgage, and escrow my homeowners insurance, etc ), and re requesting information that was already provided. The result is now 3 months later that they are ready to close, but my rate lock has expired and will now require me to pay points to process the refinance. 

Per the literal dozens of emails and phone calls that were recorded, there is a clear chain of provided requested information, only to have the company wait 5-10 business days at a time and then request the same documents again. The Company deliberately delayed on multiple occasions to allow the rate lock to expire, allowing them to collect fees to complete this transaction, as well as delay for months what should have been lower payments to the company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute for these collections to be removed because they were inaccurate. 

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
Product: Credit reporting or other personal consumer reports

The background check conducted is inaccurate. It reports that I was convicted of the XXXX, when in fact it shouldn't report that I was convicted because I completed XXXX XXXX XXXX  and from my understanding, if I completed the XXXX successfully then it will not report " convicted ''. Also the charge that they reported was XXXX XXXX XXXX XXXX, when in fact the charge was XXXX XXXX. Those are two inaccuracies and the third inaccuracy is the address XXXX XXXX XXXX, XXXXXXXX XXXX. I have never resided at that address. They are saying that the report was accurate, when in fact there are 3 inaccuracies which caused me to lose the job that I was offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX