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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$210.00} XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a dispute through Experian.com for credit reporting by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ) ' for an account in collections for original creditor 'XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the Experian online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a XXXX XXXX XXXX  Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX  that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX my payments were on automatic draft for as long as Ive had this loan in XXXX. As of XXXX it was taken off auto pay from bank which caused a delay in payment less than 30 days. They reported to credit bureaus that this was late for 30days which is incorrect payment was made immediately XX/XX/XXXX when I was made aware as payment is due by XX/XX/XXXX each month. I want the late payment removed
Product: Credit reporting or other personal consumer reports

I have previously lodged a complaint regarding my XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) under the reference number XXXX. Documentation from the IRS confirms that wages have been withheld for the XXXX XXXX card account. However, I have observed discrepancies in the account over the past few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian multiple times asking them to verify some information that they are reporting on my consumer report. I asked them for a description of the procedures, which is my right pursuant to 15 USC 1681i ( 6 ) ( b ) ( iii ). Their response does not provide me the information I have requested. They have violated my consumer rights.
Product: Debt collection

Several months ago, I received a bill from XXXX XXXX XXXX  XXXX XXXX ( XXXX  ) for XXXX XXXX allegedly performed on XX/XX/21. I wasnt in XXXX XXXX on XX/XX/21. I found information online but no website. I eventually found out that XXXX performed XXXX for a local hospital. XXXX phone had been disconnected. I called the phone number on the bill. They refused to supply information unless I gave my SSN or DOB. I refused. I did inform them that they had the wrong XXXX XXXX XXXX. No further progress could be made. 
Several months later, I received another bill. I ignored it. Today, XX/XX/21, I received a bill from what purports to be Oliver Adjustment Co , XXXX, which claims to be a collection agency. I called the phone number on the bill, XXXX, and spoke to a woman who identified herself as XXXX XXXX. Her name is also on the bill. She refused to provide any information without an SSN or DOB. I refused. I then spoke to a person who identified herself as XXXX. She refused to give me her full name, claiming she was legally prevented from doing so unless I gave my SSN or DOB. I informed them that they had the wrong person, but they refused to proceed unless and until I had provided them with my SSN or DOB. They hung up.
Product: Checking or savings account

I made a payment to XXXX XXXX Department of Water and Power Via bill pay for XXXX dept do water power states they didnt receive payment. I requested proof of payment from Bank of America. I contacted XXXX and they stated payment not received. Filed fraud claim with Bank of America XX/XX/23 completed affidavit faxed to Bank of America. I contacted Bank of America on XXXX to verify update spoke to a manager XXXX said my case has not been updated since XX/XX/23. So nothing is happening with my fraud case no update or resolution. I am still out XXXX Bank of America has dropped the ball. They cant tell me how long this can take to resolve. I filed a complaint with Bank of America. Case Id XXXX
Product: Mortgage

PNC Bank has refused to reinstate my HELOC loan. They had suspended my loan more than a year ago. Recently I applied to have my HELOC reinstated, in their refusal letter they wrote that my loan can't be reinstated because of " Delinquent or past due credit obligations with others ''. When I called them to provide details as to whom I am delinquent with they refused and told me to check with credit reporting agency.

I need to know from PNC Bank who is the creditor and how much for which I am delinquent so that if that is the case I can remedy the issue and have my HELOC loan reinstated. Without that information I am unable to allay their concern upon which my HELOC loan reinstatement is denied. I presume they know the creditor to whom I am delinquent with upon which they based their decision to deny my reinstatement of HELOC.

During this ordeal, they still have my primary residence under lien. 

I request that CFPB compel PNC Bank to disclose this information so that I can remedy the concern of their for which they have denied reinstatement.
Product: Bank account or service

Bank of America Merchant Services applied a {$20.00} charge to my account for XXXX, a service I did not request nor desire. When I inquired, I was told that it was " opt out, '' and I was given a phone number to call. The charge made my account overdraft. I believe that applying a fee without " opt in '' permission should have been illegal. I was told on XXXX/XXXX/16 that I received a notification about the impending charge, and that I should have responded to the notification. To me, that 's bogus. I believe Bank of America is defrauding customers. All such unrequested charges should be " opt in. '' Customers should not have to read the fine print of every notification to avoid having a bank XXXX money out of their accounts. Since I did not formally allow such a debit -- which would have been monthly -- this was an unauthorized withdrawal.
Product: Student loan

I 've been paying off my Citibank student loan on time through an automatic transfer from my bank account for the last 4 years with the same rate. Recently, I received a call from a debt collector so I investigated what was going on in my account. Turns out, my interest rate increase from 7.25 % to 7.5 % in XXXX 2016. Because of this increase my bank did n't transfer the proper minimum amount which led to a small fee adding up over time and the debt collector call 5 months later. I went ahead and paid the balance but continue to receive calls from the debt collectors 5x or more per day. The only notice of this increase was hidden in my electronic statement the month of the increase. There was no warning and since I receive electronic statements that you have to login to review this was too easy to miss. I emailed Citibank about this issue and received this strange reply : " Interest rates for our private student loans are variable based on the 3-Month Prime Rate index as published in the Money Rates section of The XXXX XXXX XXXX, rounded up to the nearest one-eight percent plus a margin. The margin does not change ; only the Prime Rate is variable. Variable interest rates are adjusted quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX based on the published 3-Month Prime Rate index 30 days prior to those dates. 

Private Loan interest rates have increased by .25 % for XX/XX/2016, effective XXXX XXXX, 2016? XXXX XXXX, 2016. The Prime Rate published in The XXXX XXXX XXXX on the reset date changed to 3.50 %. This is why your payment increased. The notice was on your statement. 

Your payment due on XXXX/XXXX/2016 has not been received. 

Please be aware that your account is past due. Collection activity will continue until this account is brought current by either making the payments due or through an approved deferment or forbearance. Remember, making your student loan payments on time may help you build and maintain a good credit history. '' I feel like I 'm being taken advantage of and need help. Thank you for looking into this!
Product: Student loan

XX/XX/year> : contacted Sallie Mae about options and after going over the situation and my current finances they present me with XXXX options other than continuing to pay the same monthly payment I can not afford. 

Prior to this conversation I have had the same discussion with them previously with the same result. 

The company regularly calls and harasses my extended family including relatives I havent spoken to in decades.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts have violated my rights : 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 XXXX XXXXXX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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

the company Lendmark financial services made an arbitrary change of location of the store without my consent also their application stopped working and they gave me a phone number so I could look for the solution in which they do not have staff to help in XXXX and when I call them They only behave rudely and put me on hold on the phone and they don't want to expose me to the store manager, they claim that the location to which they sent me is better for me without consulting me.
Product: Credit card or prepaid card

On XX/XX/XXXX via certified registered mail, I tendered ( following no response from CAPITAL ONE ), another negotiable instrument ( U.C.C. 3-603 ) for satisfaction regarding account number ending in XXXX given the Remittance Coupon Presentment in the amount of [ {$3200.00}. XXXX/XXXX ] they sent by USPS. Included in my correspondence was Notice of Acceptance and Authorization to Set-off and " Instructions to Tender Payment '' to set-off account number ending in XXXX for the amount [ {$3200.00}. XXXX/XXXX ]. I informed CAPITAL ONE my negotiable instrument is presented under the authority of The Constitution Article 1 section 10. clause 1, The Constitution Seven Money Clause # 6, The Constitution Monetary Rule # 5, House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ), Title 31 USC 5118, and the U.C.C. '' ( Uniform Commercial Code ) - The Federal Tax Lien Act of 1966. 
I requested if for any reason, CAPITAL ONE was unable to apply the credit and adjust the accounting thus completing the set-off, because I have accepted their presentment for assessed value, to please send a notice of dishonour from a qualified third party as well as, if applicable, send any law, code, policy or provision that purports that their company has a right to require payment in a particular kind of currency and/or that I am not in honour nor continue to operate in good faith nor with clean hands to satisfy this obligation for both parties. There was a directive to send the documents to the address I provided within ten ( 10 ) business days from the date the Notice of Acceptance and Authorization to Set-off was post marked. 
CAPITAL ONE did not respond AT ALL, nor with a third-party notice, nor did they set off of the account ending in XXXX ; therefore ( CAPITAL ONE ) fell into default due to non-response. As of date, XX/XX/XXXX, I have yet to receive any written correspondence/action fulfilling my specific request to discharge/setoff account ending in XXXX, nor have I been made aware as to why lawfully CAPITAL ONE is choosing to not sef-off the account though tender was made. 
CAPITAL ONE was informed of California 's Commercial Code 3603/UCC 3-603 `` If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender ''. Due to CAPITAL ONE not responding to any of my correspondence, they acquiesce to my terms therefore, I am seeking complete discharge/ set-off of the full amount of {$3200.00}. XXXX/XXXX Pursuant to 1-102 and 3-603 of the Uniform Commercial Code. With CAPITAL ONEs failure to respond and set off of the account, per contract is now in debt of {$7500.00} to the Principle of said account and no longer have the capacity to pursue collection.
Product: Credit reporting or other personal consumer reports

As of recently I have been going through my credit report to build my business credit and I noticed several inaccuracies on my account. These accounts are hurting my ability to obtain business credit. It is to my knowledge that your company will investigate the item for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In the process of closing on a Short Sale, our attorney informed us that XXXX required us to sign a Promissory Note or the Short Sale would not be approved ; basically extortion. We had no choice but to comply. However, the Promissory Note we signed was for payment to someone called Dyck O'Neil, a company in Texas. The Note was very poorly constructed and look like a scam to us. In checking the company 's website, there is no indication they are affiliated with XXXX ; a very poorly constructed website. We requested that the company invoice us for the payments and also asked that they provide XXXX documentation that shows the money is indeed going to XXXX. They refused. We have no way of knowing if the Note is legitimate and wo n't pay on it until we do. Of course, Dyck O'Neil is now reporting missed payments to the credit bureaus. Is this form of extortion truly legitimized by XXXX?
Product: Checking or savings account

XX/XX/2021 : 1. ) Went into my local Chase Bank Branch to verify my identity as I was asked to do after opening my new personal checking account online.

2. ) Was told by the banker at the local Chase Bank Branch that my account was CLOSED due to fraud ( suspicious activity ) and that the amount in the account ( that I had transfer from my other personal checking account ) would be sent to my home address on file by Saturday XX/XX/2021 the latest. 

XX/XX/2021 : 1. ) Called for a status update because the check still was not here after the Saturday mail delivery.

2. ) Called ( on the same day XX/XX/2021 ) the Chase Customer Service number and was on hold for 10 mins before talking to the 1st representative. They proceeded to tell me that I needed to talk to a Supervisor and put me on hold again and transferred me to ( what was suppose to be ) the Supervisor. 
3. ) After on hold for about 30 minutes " the Supervisor '' asked to verify my identity then put me on a brief 3-5 minute then proceeded to put me back in queue.

4. ) The 3rd representative ( Shenic (? ) from Chase 's Fraud Department Customer Service Line ) said that the final review of my account indicated that Chase terminated our relationship and will no longer bank with me know or in the future. I will not even get a chance to receive my funds until I go back to the Chase Bank Branch with 2 forms of ID and " Show cause of the external transfer of my funds from my old personal checking account to my new account with Chase ''.
Product: Student loan

I agreed to co signing for an educational loan for my sister when I was XXXX years old. She took my personal information and took out XXXX additional loans without my permission. I was not aware of her doing that until the other educational loan company called me about payment. I was paying on a loan that I thought was what I signed for but learned it was not when I received the promissory note for all XXXX loans. I did the identity theft pact, a police report, freeze my credit and sent in to the XXXX educational private loan along with my signatures. XXXX removed me as a co- signer on XXXX loans and also XXXX  the loan that I originally signed with them, however Navient private loans refused to remove me and said they felt the signature were similar, but they were not.
Product: Debt collection

Fay Servicing is a debt collector operating in the State of New York. It must maintain reasonable procedures for determining the statute of limitations applicable to a debt it collects and whether such statute of limitations has expired. According to Fay Servicing, the last payment on the account was made on XX/XX/2009. In the State of New York, the promissory note and mortgage are contracts, and subject to a six-year statute of limitations law. 

The New York State Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, Fay Servicing is required to inform the account owner that the statute of limitations has expired. 

The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq, prohibits debt collectors from seeking payment on legally time-barred debts. A debt collector may not use any false, deceptive, or misleading representation or means concerning the collection of time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; generally see 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ).

Fay Servicing has thus far refused to comply in with the State of New York debt collection rules and inform me with the required disclosure or disclaimer about the statute of limitations status as required by the New York Department of Financial Services debt collection rule 23 NYCRR 1, Section 1.3, Regulation F, CPFB, and FDCPA and all recent updates to the State of New York debt collection rules and regulations.
Product: Student loan

Since XX/XX/2020 I have submitted disputes with XXXX, XXXX, and XXXX  after a review of my credit reports revealed that 12 late payments were being reported on my credit reports under a Navient student loan account during a time in which the account was in forbearance. The results of those disputes was that " Navient verified that the information was being reported correctly ''. This simply isn't true. How can payments be late when the account was in forbearance? This is killing my score and preventing me from purchasing a home by keeping my score in fair range when it should be in very good range.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXXD XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1300.00} ; XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX : {$2500.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX 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