23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Credit Management Company - Violation of HIPAA Law Dear CFPB, I am filing a formal complaint against [ Credit Management Company ] concerning the collection efforts they have initiated for a medical bill, which I believe is in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and other applicable laws and regulations. 

This dispute is in reference to the following alleged debt : Creditor : Credit Management Company Account Number : XXXX Date of Service : XX/XX/2023 Amount : {$910.00} I assert that I am well aware of my rights under HIPAA and other consumer protection laws. The medical information being collected by [ Credit Management Company ] is protected by HIPAA, and it is unlawful for any debt collection company to disclose such sensitive information without proper authorization. 

I have not granted any authorization for the disclosure of my medical information to [ Credit Management Company ], nor have I authorized them to engage in collection activities on my behalf. 

I demand that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that [ Credit Management Company ] complies with the provisions of the Health Insurance Portability and Accountability Act ( HIPAA ) and other relevant laws and regulations. I further request that [ Credit Management Company ] provides the following information to validate their claim : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original medical provider 's name, the date and nature of the medical service, and an itemized statement of all charges.

2. Proof of Authorization : Furnish evidence demonstrating that I have authorized the disclosure of my medical information to their company. 

3. Compliance with HIPAA : Explain how their collection practices comply with the provisions of HIPAA and safeguard the privacy and confidentiality of my medical information. 

I demand that [ Credit Management Company ] immediately cease all collection activities related to this medical bill until they can provide the requested documentation and demonstrate compliance with HIPAA.

I am enclosing copies of all relevant documents, including the credit report showing the collection entry, to support my complaint.

Please keep me informed of the progress of the investigation and any actions taken by the Consumer Financial Protection Bureau in resolving this matter.

Thank you for your attention to this complaint. I look forward to a resolution that upholds my rights under HIPAA and other applicable laws.

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>. I was scammed after XXXX for a total of {$600.00} from someone portraying to be a tax preparer. The next morning ( less than 12 hours later ) I tried to cancel/dispute the transactions with Cash App and was not given the option. The only option I was given was to request a refund from the scammer in which I have not received. I have reached out to the company for support several times and have gotten nowhere. All of the years I have used Cashapp, I have never had this happen to me. This money was taken from me and Im struggling because of it.
Product: Checking or savings account

Hi I have been searching for how to make a complaint on a branch with Citibank and this is all i could find.Citibank has no complaint line nor does its customer service take complaints and I called after our visit. I took my mother today to our local branch at XXXX and XXXX in XXXX XXXX XXXX and had the worst assistance which led to us leaving to go to another location and the branch manager telling us to leave his business and never come back. We have came here for my father 's account that is closed now because he passed away and my uncles that is in XXXX XXXX right now. He has had some issues with using his card in XXXX so my mother is his POA and withdraws money to send it XXXX XXXX for him. They were not as helpful as they could have been and the branch manager kept talking back to me as I was with my almost XXXX year old mother and baby of XXXX yrs. We have done over 4 transactions with this banking location for the same exact thing before and for more money. I have dealt with many bank institutions and never received this type of service anywhere. I hope to hear from you soon concerning this matter. Thank you for your time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a certified letter requesting validation for an account on my credit report. As of XX/XX/XXXX I have not received the any updated information and my credit report remains the same. Here is the letter I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX XXXX XXXX XXXX Account Number XXXX / XXXX Dear Sir/Madam, I am writing to formally request validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX ( TransUnion ) Date XXXX : XX/XX/XXXX ( TransUnion ) Balance : {$1800.00} ( TransUnion ) Payment Status : 90 Days Late ( TransUnion ) Legal Basis for Dispute : Under the FCRA, credit reporting agencies are required to maintain and report accurate and verifiable information. Specifically : 15 U.S.C. 1681i : This section mandates that the credit reporting agency must conduct a reasonable investigation to verify the disputed information. If the information can not be verified, it must be removed.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Please provide me with the following information : 1. Validation of the debt, including original creditor and detailed accounting of how the balance was calculated.

2. Copies of any documentation that proves this account and its terms are valid and accurate.

3. The procedures used to verify the disputed account and how it was determined to be accurate. 
If you are unable to provide the requested validation, I respectfully request that this account be corrected or removed from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX, XXXX, XX/XX/XXXX
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, XXXX contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels XXXX not following all the steps. 
XXXX LOANMART XXXX -PLEASE DELETE!!! EQ and XXXX have already removed this account from their records.. 
Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. XXXX is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Product: Payday loan, title loan, or personal loan

This is a follow up complaint to a previous complaint ... # XXXX The company responded back with the same response they continued to provide to me WITHOUT ANY FACTUAL DOCUMENTATION ... .IVE ASKED THEM REPEATEDLY FOR A COPY OF MY ORIGINAL APPLICATION, to include the questionnaire that allows me to choose the dates of repayment ... .NOTHING ... By my records..BY THEIR OWN ADMISSION ... THE LOAN WAS FOR 90 DAYS. FIRST PAYMENT DUE ON XX/XX/XXXX ... .WHICH MEANS. FOR A TRUE 90 DAY LOAN ... THE DEPOSIT INTO MY BANK ACCOUNT SHOULD HAVE BEEN DEPOSITED ON XX/XX/XXXX ... ... NOT XX/XX/XXXX ... TO WHICH I CAN CONFIRM THROUGH BANK RECORDS ... I've asked them to provide the ORIGINAL EMAIL ... .DATE STAMP ... FORWARDED FROM THEIR SENT FILE DIRECTED TOWARDS MY EMAIL DATED ON XX/XX/XXXX ... .THATS GON NA BE HARD TO PROVE BECAUSE IM WILLING TO ALLOW U TO GO THROUGHT MY EMAIL ANYTIME U LIKE TO PROVE NO EMAIL WAS NEVER RECEIVED IN MY IN BOX ON XX/XX/XXXX ... .THE FIRST TRUE EMAIL I RECEIVED FROM SPOTLOAN WAS ON XX/XX/XXXX ... ..ALL OTHER COORSPONDENCE REQUIRED ME TO LOGIN THEIR SERVER AND COMMUNICATE WITH THEM THEIR ... .IM SURE THAT WAS DONE SO AS TO REDUCE THE AMOUNT OF A PAPER TRAIL AND IT ALLOWS THEM TO CONTROL THE CONVERSATIONS DATA. IM ON A FIXED INCOME ... SO ONE WOULD HAVE TO WONDER WHY I WOULD BE WILLING TO PAY 30 DAYS OF INTEREST ALTHOUGH I HAD THE LOAN ONLY EIGHT DAYS ... .WHO DOES THAT ...
Product: Mortgage

On XX/XX/2021 I entered a branch location of Bank of America to apply for a XXXX after physically speaking with two representatives I was then handed a phone to speak to a third representative NMLS # XXXX. At this time we discussed HELOC options. I told the loan officer I think my home was wort XXXX and he said if it appraised for XXXX I would be able to open a line of credit for just over XXXX. All the numbers we discussed were based of a LTV of 80 %. Loan officer also stated that a drive by appraisal would take place and if I disagreed with the value i could request a full appraisal. Two days after application and running my credit I was denied for the loan due to in adequate equity. When speaking to a client rep on why denied i was informed all their HELOC products require 75 % LTV. At this time i was also told a drive by appraisal was never done and I could not request a full appraisal that they would only be using their comps. If I knew up front the LTV requirement was 75 % I would have never applied due to knowing I would not be able to obtain the amount of funds I needed. I have asked the Bank of America to remove the credit inquire and was told they would. Still to this point I have received no communication this has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacyXXXX XXXX  # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions XXXX15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than XXXX XXXX15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 CFPBs findings 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a phone call from XXXX Chase, per my caller id. A person posing as a Chase employee informed me that my XXXX account had been hacked, but we could cancel the transaction by going into my account and submitting a transaction titled XXXX in the amount of {$XXXX}. I was told the transaction was being submitted to their supervisor for review and they would call me tomorrow to follow up and make sure no transactions went through. That person called back the following day on XX/XX/XXXX and I told him that the transaction I submitted the previous day took money from my account rather than canceled the scammers attempt to receive money. He had me follow the same steps, submit a transaction titled XXXX in the amount of {$XXXX}. He said that he would call back the next day to check in. He did not call back on XX/XX/XXXX, so I called Chase myself only to confirm that this whole thing was a scam. I talked then through what happened and they asked me to submit a claim and they would review it. Weeks later, they informed me that I would not be reimbursed because I approved the transactions, even though the person said that he was a Chase employee.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit that should not be there
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED AND DISPUTED 1 FRAUDULENT ITEM ON MY EQUIFAX FILE TO BE REMOVED AND BLOCKED WHICH IS XXXX ACCOUNT XXXX. INSTEAD EQUIFAX HAS EVERY ACCOUNT ON MY FILE REPORTING IN DISPUTE. THIS WAS NOT REQUESTED BY ME IN ANY LETTERS SENT TO EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Credit reporting or other personal consumer reports

The experience company, I corresponded with them, called them, and made a report. They are clear. They do not remove information incorrectly, this is the name, surname, addresses and accounts that have been closed for more than XXXX years, they do not remove them. I explained to them that I have evidence of bankruptcy. And since by law you have 7 years to remove these accounts. They are already closed, not functioning, they dont clean them and cause problems for me, that is, the impossibility of contact. Ive been in contact with them for XXXX months now, Ive been corresponding and nothing is helping, so I ask you to look into it and let me know, please.
Product: Payday loan, title loan, personal loan, or advance loan

I was unable to pay the loan due to losing my job ( XX/XX/2023 ) and having a few unexpected expenses that had to be taken care of ( medical bills and the stove died and needed to be replaced. I spoke with a representative and was told that a small payment of {$80.00} would cover me until the next month. This was in XX/XX/2023. I made a payment on Friday and received a call the very next day from the company where the representative told me I was still behind on my payment and if I did not pay the difference, I would be sent to collections. At that point, I told the company they would have to send me to collections because I did not have any more money. After that point, I ignored most of the phone calls due to their insistence on calling daily, often multiple times a day, and I could not come current on the payment. The Manager at Tower Loan text me on XX/XX/XXXX about making a payment to get caught up to date and not have to make a payment until XXXX. I did not get a new job until XX/XX/XXXX. I spoke to the manager on XX/XX/XXXX about making a payment that would allow me to be okay until XXXX. I made the payment and was contacted the next day about needing to make another payment to be current. The manager then said that she had never said the payment of {$95.00} would keep me from needing to make another payment until XXXX. At that point, I told the company that all communication with me needed to be through email or text. I made another payment of the same amount on XX/XX/2023 that should have counted as my XXXX payment. I spoke with the manager again on XX/XX/XXXX, and she told me I could pay {$82.00} to keep her from pursuing litigation. On XX/XX/2023, I made a payment of {$100.00}. On XX/XX/XXXX, I received another phone call saying that if I did not bring my payment current, I would be sent to the attorney. On XX/XX/XXXX, the manager attempted to call me and I told her I would only speak with her through text or email and hung up. She responded with a text " Well, I was going to tell you have I couple options to help you out, but I will just let you explain to the attorney that charges you {$2500.00}. Remind him that you did this to yourself '' When I reminded her of the conversation, her response was " Again, you explain your case to the attorneys. Or you can come into the office and sit down with me on Monday and we can review your account together. Have a good day. '' I did not respond. On XX/XX/XXXX, she text me again asking if I want the attorney 's information. Meanwhile, I have received a phone call from Tower Loan almost every day since XXXX. This is beyond harassment and I am obviously attempting to pay off the loan. However, the manager will only speak with me over the phone or in person where I have no record of what she says because she is willing to change what she says. 

I am attaching a snippet of my phone records. All numbers that are XXXX. This is just 2 days.
Product: Credit reporting or other personal consumer reports

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report.

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Product: Debt collection

Aldous and Associates are using false, deceptive, or misleading representation or means in connection with the contract with Dynamic fitness. They are knowingly misrepresenting the debt they are collecting and the contract. Upon request by XXXX XXXX for validation of debt, the original contract, and XXXX XXXX XXXX XXXX XXXX # XXXX was sent to his mailing address. The contract clearly states a term of 12 months and 24 payments of {$5.00} that begins XX/XX/XXXX and expires XX/XX/XXXX. The contract is also clear that if there are any changes made in terms of this contract an email notifying of such changes will be sent to the email address provided on the agreement or notice will be sent to the mailing address provided on Club agreement. 
Varies changes were made to this contract with no proof of any notice being sent to XXXX XXXX. In addition, there is no explanation of how the {$150.00} was incurred. This material misrepresentation has been brought to the attention of Aldous and Associates, through certified mail requesting they correct this error and inaccuracy, and at this point they are knowingly misrepresenting the contract causing harm and damage to XXXX XXXX. 
Changes made to contract without notifying XXXX XXXX breaching contract and making contract VOID : 1. Your Membership Begins XX/XX/XXXX, and Your Membership Expires XX/XX/XXXX ( Membership Privledges, Notices, Disclosures & Agreements # 1 and # 2 ) 2. Renewal rate for Membership {$0.00}, Dynamic fitness charged XXXX XXXX a renewal rate of {$54.00} on XX/XX/XXXX, without notice or a new agreement ( Membership Privledges, Notices, Disclosures & Agreements # 12 ) 3. If any changes are made to terms of this consent, an email notifying you of changes will be sent to the email address provided by You on the face of Your Club Agreement or, if an email is not provided, notice will be sent to the mailing address provided on your club agreement. 
XXXX. First and last month dues were paid up front on XX/XX/XXXX when XXXX XXXX signed up for the membership. Dynamic fitness charged him again the last months dues on XX/XX/XXXX. ( Member : XXXX XXXX XXXX Membership Privledges, Notices, Disclosures & Agreements # XXXX ) XXXX XXXX has requested proof and explanation of the {$150.00}, and that has not been provided. Aldous and Associates have not reinvestigated the matter. XXXX XXXX does not owe this debt, and this is fraudulent. Aldous and Associates have an obligation to not use deceptive practices and to remove inaccurate information from the credit file. Reporting this inaccurate information is a violation of the FCRA. XXXX XXXX was in the process of purchasing a home when Aldous and Associates fraudulently reported inaccurate information on XXXX XXXX credit file without proper investigation This has caused XXXX XXXX damages which he will be seeking compensatory damages and rescission. 

Notice of Breach of Contract Voiding Contract and Contesting Debt validation was mailed to Aldous and Association on XX/XX/XXXX. That letter is attached. Also, attached is the contract and Invoice to show the breaches of contract as listed.
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 CFPB 's findings 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.