23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : SEQUOIA FINANCIAL SERVICES To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw an incorrectly reporting trade line for an account from SEQUOIA FINANCIAL SERVICES for XXXX XXXX XXXX  for {$1800.00}. The account status shows seriously past due and it should not say that as this debt is not owed. 

I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by SEQUOIA FINANCIAL SERVICES is a VIOLATION of the HIPAA Act of 1996. SEQUOIA FINANCIAL SERVICES did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX  providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against SEQUOIA FINANCIAL SERVICES as well as XXXX XXXX XXXX  should this item not be deleted within 10 business days and until the debt has been validated and verified. SEQUOIA FINANCIAL SERVICES is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against SEQUOIA FINANCIAL SERVICES, XXXX XXXX OUTPATIENT, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from SEQUOIA FINANCIAL SERVICES expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I didnt give written permission
Product: Debt collection

Do not owe this amount to whoever AFNI Debt Collection Company that represents XXXX XXXX. I talked to the CEO 's Assistant and the individual told me he would settle my account for a lower amount than this. 

If XXXX XXXX changed those terms they never notified or made that agreement with me. I do not owe {$160.00} to XXXX XXXX
Product: Student loan

This complaint is not as much about the servicer of my private loans than my college whom forced me to take the loans. 
The college which I attended, Illinois XXXX XXXX XXXX - XXXX, used deceptive practices to minimize the effect of taking private loans versus federal loans. Additionally, they were not transparent at all about the total costs that tuition would net. As a result of their deception, they offered a XXXX course leading to a XXXX XXXX XXXX but offered very limited assistance with finding a job after graduating! Their major courses were too broad and did not allow for enough focusing of education and since they were only a XXXX program, also did not give enough time to adequately learn enough about the industry to adequately get a career in one 's chosen field ( while at the same time costing WAY more than a typical XXXX program in other colleges ). 
All of this happened to me, and in the end, I was stuck $ XXXX worth of loans, and very limited prospects of being able to pay them back since I could not land anything but minimum wage jobs with my near-useless degree. I have since been able to have sopme of that debt removed, the federal parts of the loan, but I am still deep in debt with about {$65000.00} in PRIVATE loans that must still be repaid. I STILL do not have a job in my chosen field, and my degree has still yet to come into play. 
I urge you to investigate Illinois XXXX XXXX XXXX 's corrupt For-Profit business practices and see to it no one else is deceived and screwed over by them.
Product: Student loan

I have made several calls and sent XXXX emails over the past XXXX months to get resolve in having my student loan repaid. 
My complaints have not been addressed by the XXXX, despite the promised changes since XX/XX/XXXX that Borrowers will receive prompt redress of forgiveness. 
I have made over 130 qualifying payments to XXXX, all during the time i have been in the full time employment as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Since late XXXX, i have been qualified to have my federal student loans forgiven. As a loyal XXXX  employee, and as i promised, i have doing my service, cumulative well over 12 years, showed up at XXXX, worked through lunches and late, to provide mental health service to our nations heroes, XXXX XXXX soldiers and their dependents. 
Fedloan service is not keeping the promise under the new administration ; the agency is forcing me to forfeit many months of qualifying service, adding to the total cost of my student debt, creditworthiness and ability to borrow. 
Currently, i show XXXX payments not counted as qualified, even though they are, as i continue my employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX currently. That means i am 6 months, MY COUNT, ahead of Loan Forgiveness all the while i have participated formally in the PSLF program, and kept my promise. 
I really would like a resolve of this. It is unseemly, it is unfair and indecent that this is not being resolved where it should, at the Lender.
Product: Debt collection

Huntington Bank Calls My Phone XXXX times or more daily. I repeatedly tell them this is not the phone number for XXXX despite that they call again. XXXX may have used this number for a reference I do not know but they refuse to delete my phone number. They refuse to stop harassing my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving letters from the Department of Education on my permanent XXXX discharge for Student Loans in XXXX I tried notifying credit bureaus so that it could reflect on my XXXX XXXX but their systems would no allow me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, 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 a account without my written instructions
Product: Checking or savings account

On XX/XX/2023, XXXX XXXX the administrator of the estate account of her stepmother, XXXX XXXX was removed by the Circuit Court of XXXX XXXX, Probate Division. As a result I was appointed the new administrator in the same month. The former administrator was also removed as power of attorney for her father XXXX XXXX in XXXX of XXXX My attorney wrote a letter to Bank of America in XXXX and included the necessary documentation informing them of the change and outlined the steps that needed to be taken. He also visited the bank in person three times in an attempt to resolve the issue. The appropriate documents were given the the branch manager. He was told someone would get back to him. As of XX/XX/XXXX no one has responded. In addition my attorney was told that no one at the branch could help him. He was giving an XXXX # to call and was then told that the banker misinformed him. We have been given the run-around regarding a time sensitive issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

LVNV appeared suddenly on my credit report when I checked my reports one day. I proceeded to write a letter and sent it certified. I informed them that I do not know who they are collecting for and ALSO to validate this alleged and fraudulent debt by validating their right to collect with a valid license to collect in my state and, more importantly, an ink signature on a contract I signed with the creditor. ( Keep in mind I still do not know who this phantom creditor is at all at this point! ) To date I have no validation and no creditor to contact!

So I need this account DELETED IMMEDIATELY!

They are violating my federal and state rights, damaging my reputation and ruining any chances for credit enhancements by this item appearing on my credit files!

Violations of the FACPA, FCRA, and various state laws have already been violated!
Product: Credit card or prepaid card

I made a cash withdrawal with my AAdvantage Mastercard from Barclays and they charged me a {$25.00} fee for the withdrawal. This is on top of the fee by the ATM 's bank. I understand that they have to charge a fee but this is 5 times the maximum that other companies charge. 
I attempted to address with them directly and sent a chat and an email on XX/XX/22 and they never responded. I called on XX/XX/22 and they told me that this is due to the amount of the withdrawal and the location because it was an international withdrawal from XXXX XXXX, XXXX XXXX. 
But, I've withdrawn money from my XXXX XXXX and my XXXX cards before and they both charge around {$5.00} for the transaction, so there is no earthly explanation why their cost is 5x higher. This is high-way robbery in my opinion. 
I requested they reduce they fee and they said it can not be done. I suggested they offer me a partial credit for {$15.00} towards the next billing cycle and they said no and that they could NOT escalate to a supervisor or another department. 
This is NOT about the money, it is the principle that they are charging such a high fee for a simple transaction on top of the airlines ' constantly increasing costs, decreasing amenities, limited schedules and options and after a massive taxpayer bailout.
Product: Debt collection

I have been a victim of identity theft. This was not my debt. Please remove said collection. Thank you.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of a late payment on my credit card account, as I believe this information is inaccurate. Under 15 U.S.C. 1666b, which governs billing errors related to payment due dates, I assert that my payment was submitted on or before the due date indicated on my billing statement. 

I kindly request that you conduct a thorough review of my account and payment history to verify the accuracy of the late payment reporting. If it is determined that the payment was made on time, I ask that the record be corrected to reflect a timely payment and that any associated fees or penalties be removed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Bankruptcy Reporting To Whom It XXXX Concern, I am writing to formally dispute a bankruptcy account inaccurately reporting on my credit reports with XXXX, XXXX, and TransUnion. I have never filed for bankruptcy in my life, and this information is both inaccurate and damaging to my credit. 
On [ insert date ], I visited the United States Bankruptcy XXXX in XXXX XXXX, California, where I spoke with a clerk who verified that there is no record of a bankruptcy filing under my name. The clerk confirmed that the reporting of such information on my credit report is in error. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported is accurate and verifiable. This inaccurate bankruptcy reporting violates my rights and misrepresents my credit history. 

I am requesting an immediate investigation into this matter and the permanent deletion of the erroneous bankruptcy entry from my credit reports with all three bureaus. Please provide written confirmation of the results of your investigation within the legally mandated time frame. 

Attached to this letter are supporting documents, including a written statement detailing the findings from the bankruptcy court clerk. Should you require additional information, please contact me directly at the information provided above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After checking my credit report, I discovered multiple billing inaccuracies. The late payments shown do not align with my regular payment history.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my credit report for the account listed as XXXX  XXXX Account # : XXXX. There are several inconsistencies within the account which means this account has not been properly verified. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX balance : {$1600.00} {$0.00} {$0.00} High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1400.00} {$1400.00} {$0.00} Past Due : {$1600.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Late 120 Days Unknown Last Reported:XXXX XXXX XXXXXX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a Bogus reporting agency. It sent me a letter saying my score was in the 400s!! My score has NEVER been in the 400s. The reporting agency has many claims against them for the same reason. Its inaccurate reporting and they should be shut down!
Product: Mortgage

Us bank allowed my now x- husband to resign a loan on our house without me beigining there and he was able to forger my name and my co worker, which is was convicted of forgery for it and forced me into bankruptcy when I tried to do a charpter XXXX they would not work with me because of him. 
they filed nothing on my x husband and I have to file the charges and now they have put it on my credit report and it should not be there, 1 - I filed bankruptcy on them 2- they allowed to forger my name I was told to contact you to get this removed
Product: Credit card

I am referring to Capital One 's response to my previous complaint in case # XXXX. Capital one responded on XX/XX/XXXX. 

In Capital One 's response, they responded to part of my complaint, not its entirety. I included excessive cash advance fees that were charged to me ( although I took out no cash advances ) in XX/XX/XXXX statement ( attached ), XX/XX/XXXX statement ( XX/XX/XXXX to XX/XX/XXXX billing cycle ), XX/XX/XXXX statement ( XX/XX/XXXX - XXXX XXXX billing cycle ), XX/XX/XXXX statement ( XX/XX/XXXX to XX/XX/XXXX billing cycle ), XX/XX/XXXX statement ( billing cycle XXXX XXXX, XXXX to XX/XX/XXXX ), XX/XX/XXXX ( see attached screenshot ), XXXX statement ( billing cycle XX/XX/XXXX to XX/XX/XXXX ), XXXX statement ( billing cycle XX/XX/XXXX to XX/XX/XXXX ), all are attached and all I was charged cash advance interest fees although I had taken out no cash advances for those respective months. 

Your response did not address these months, only the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Note I did not inquire about the months in year XXXX. 

In the attached statements, it shows next to XXXX XXXX under Account Summary a sum of XXXX ( XXXX ), meaning I did not take any cash advances out for these months, yet when I look at the bottom of the statements under Heading named Interest Charged next to " Interest Charge on Cash Advances '' it shows a balance in which I was charged an interest fee for cash advances although I did not take out any cash advances for those months. Please explain why I was charged Interest Charge on XXXX XXXX for the statements attached ( including XX/XX/XXXX where I was also charged an Interest on XXXX XXXX fee ) when I did not take any cash advances for these months. 

Please see attached statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights to privacy and confidentially under the 15 USC 1681. XXXX Account XXXX XXXX ( 30 days late XX/XX/XXXX ) and Account XXXX XXXX ( 30 days late XX/XX/XXXX ) has violated my rights. 

XXXX5 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

This complaint is in regards to a personal loan that I originally took out through XXXX  which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number XXXX. While in SSTs care I have since paid the loan off in full on XX/XX/ the balance of XXXX before I did this on XXXX I also cancelled the automatic payments so another payment was not drafted on the due date of XXXX  Upon checking my account there was an automatic payment still being withdrawn after I canceled the automatic payments beforehand and also verified them being cancelled via a phone call with an SST representative. Part of the original loan agreement with XXXX I would be given XXXX upon signing the loan agreement and another XXXX plus interest upon paying the loan off this money would be direct deposited to my checking account on file within XXXX days. As of today XXXX  I have not received the XXXX over payment that was drafted after canceling the auto payment or the XXXX plus interest and phone calls to this company have had no resolution to this I am being told that my savings can not be transferred until my account is closed and my account can not be closed due to the XXXX overpayment which was requested to be refunded and was denied. I am being asked now to send a portion of my bank statement containing my personal information showing that I made both the XXXX payment and the XXXX even though it shows that I made these payments on their website. After sending this email as requested I have received no response.
Product: Debt collection

I'm unaware of this debt. i did not have the opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 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: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft. Unauthorized accounts have been opened in my name, and fraudulent transactions have been made without my knowledge or consent. Specifically : Date of Incident ( s ) :XXXX Details of Fraudulent Activity : credit card accounts for a total of {$2900.00} Company Involved : XXXX Actions Taken : I have already [ filed a police report, contacted the companies involved, placed a fraud alert on my credit report ].

Impact : This has negatively affected my credit score and caused significant stress and inconvenience. 
I am requesting the CFPB to ensure that the companies involved address this matter appropriately, including closing fraudulent accounts, correcting any credit reporting errors, and improving their security measures to prevent future identity theft.
Product: Credit reporting or other personal consumer reports

XXXX let someone put a freeze on my credit report. When I asked them to remove the freeze, they told me that I needed to provide them with the XXXXXXXX XXXX before they could remove it. They said that someone put a freeze on my report in 2020. I told them that I never put a freeze on my report and did not know that they had anything to do with my credit report. I would like for them to remove the freeze immediately and get a letter stating the freeze has been removed. I have been trying to get this removed for XXXX XXXX.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX Dear XXXX, XXXX, I am responding to your regarding this debt that I was never contacted about. On my credit report it says I opened this account on XX/XX/2020 that I never opened any XXXX XXXX Account. I have not had cable in a very long time. 
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have  already done so ), also report that the debt is disputed. Delete this account that is not mine. Also, why would you make up dates is that illegal according to the fair credit reporting act? 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit company is not complying with their own policies in a timely matter. and there has been over 30 days no response, dispute sent via mail XX/XX/2021 XXXX
Product: Credit card or prepaid card

I received a Chase XXXX Debit card in my name linked to account number i do not own
Product: Credit card or prepaid card

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Checking or savings account

I never received the {$150.00} checking account opening bonus with a {$1000.00} direct deposit even though I've fulfill all the requirements.