23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MY HIPAA RIGHTS HAVE BEEN VIOLATED-INTENT TO SUE On XX/XX/2021, I mailed a debt validation letter to Nationwide Recovery via certified mail. The tracking number is XXXX. Per the FCRA, they had 30 days to completely validate this debt. It has been six weeks, and they have yet to do so. Furthermore, this collection was added to my XXXX credit report on XX/XX/2021 AFTER the I sent the validation request letter and BEFORE I received full and complete debt validation, which is a direct violation of the FCRA. As I previously advised them, I was not only requesting copies of medical billing statements, etc., that provide details of services rendered, per it is a direct HIPAA violation for them to have this information without a signed medical release/transcript from me authorizing National Recovery Services to view my medical records. Since they do not have a signed release on file with me as I specifically requested, they have violated my rights under HIPAA by reporting this debt to the credit bureaus. 

Again, I am requesting this collection to be removed from my XXXX, XXXX, and XXXX credit reports. If this is not removed within the next 10 business days, I will file a lawsuit seeking damages at a minimum of {$10000.00} USD.
Product: Credit reporting or other personal consumer reports

After I paid off my XXXX credit cards I checked Experian on XX/XX/2023 to see how much my credit score went up as that was the only debt I had left to pay off. To my surprise, there was an unfamiliar account on my report from XXXX XXXX. I looked up XXXX XXXX on XXXX as I had no idea who or what that was. I found a customer service phone number and when I called it they confirmed that an account for {$700.00} was opened under my name and that there is currently a {$500.00} balance remaining. They also informed me that it was for a purchase made on XXXX. I went to XXXX and it's not even a valid website as the domain is for sale. I have no clue who opened this account and did not authorize it. I'm assuming identity theft & fraud has occured so I froze my social security number AND credit, put a fraud alert on my credit, reported it to XXXX, filed a police report, filed a dispute with Experian which they did not fix the issue and filed a complaint for fraud with XXXX XXXX. I have gotten the run around with XXXX XXXX. They told me someone would contact me in XXXX business days to follow up and XXXX business days went by and nobody from XXXX XXXX contacted me. I called again and they said their supervisor was handling it and would call me back in a few hours which they never did either.
Product: Mortgage

I own the house. But the defaulted mortgage is in my ex-wife 's name and I am not the borrower, but my ex-wife is not on the Title. I am asking the bank to mortgage the property to me at a fair market value and with a loan that is affordable to me. They ( Selene Finance ) continue to claim the property is worth much more than the market says it is worth. They did not respond to me asking for loan modification. And they started foreclosure. The total amount due is ridiculously inflated ( after 9 years of paying the mortgage my exwife had to have paid some of it off, so how can it now be 30 % + greater, how can they claim now that I owe more than the house was originally priced in 2005 close to the peak, and almost 50 % more than it is currently worth ). This is extortion.
Product: Checking or savings account

I have been a loyal member of Chime for 3 years. On XX/XX/2021 I was recently a victim of fraud. My debit card was copied and used at an ATM in XXXX, Arizona. 

I quickly filed a police report and completed necessary dispute form and sent all required information to the Chime Bank XXXX XXXX. On XX/XX/2021 I was issued a provisional credit of 318.00 ( Total of ATM withdrawals + ATM fees ). 

On XX/XX/2021 I received an email advising that no error had occurred. I requested a rebuttal due to the fact that I did not make the ATM withdrawals and completed all steps required by Chime to resolve. I am now being advised that my account will be debited 318.00 on XX/XX/2021 despite me providing the actual police report document. 

The transaction took place in XXXX Arizona. I am in XXXX and could not have physically made these transactions. I am single mother who has recently become unemployed. I am typing this with tears in my eyes as I have pleaded to Chime to make things right. I have cooperated with Chime throughout this entire process and as a consumer would like to be extended that same grace. I have remained loyal to Chime throughout their early stages, technical errors, class action lawsuit, etc. and do not believe I am asking for much by requesting that same courtesy and loyalty be extended to me. As I write this, I have no idea how I am going to feed my family and Chime debiting the provisional credit amount would only put me deeper in a bind. I am incredibly disappointed by the lack of ethics, integrity, and system processes Chime has in please. 

As a consumer this is very concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT FOR ACCOUNT # XXXX THIS ACCOUNT HAS ALWAYS BEEN ON AUTOPAY ... PLEASE CORRECT THE LATES REPORTED BY XXXX ON MY CREDIT REPORT THAT WERE A RESULT OF A MERGER/ACQUISITION FROM XXXXXXXX XXXX TO XXXX. REMOVE, CORRECT AND RESOLVE THESE ERRORS WITH THE CREDIT BUREAUS IMMEDIATELY AND IN ACCORDANCE WITH F.C.R.A. RULES AND REGULATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have never had credit with or an account with agency. illegal 3rd party reporting inaccurate financial information damaging / defamation of character with intents to harm credit score an decreasing chances of obtaining new creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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
Product: Mortgage

I applied for a loan modification end of XX/XX/2019. I was informed via a letter that STATEBRIDGE had a complete package and in 30 days I would receive an answer. I did not receive ANY ANSWER from them. 

Furthermore, I called onXX/XX/2019, I was told to send an email to loss mitigation. I sent the email and received no answer. On XX/XX/2019, I spoke to XXXX, still no information available to me, and no answer. 

The woman who is working on my file is XXXX. She has put no notations on my file, so I can not obtain any information. Furthermore, XXXX says well your current on your mortgage. What difference does that make if I need assistance?
Product: Checking or savings account

I had an issue with XXXX that started this problem. USAA sent payment for my credit card on XX/XX/year> that was lost in the XXXX mail system. After XXXX told me they didnt receive the checks sent from USAA XXXX I called USAA XXXX XX/XX/year> to put a stop payment on that check which they did. I sent a personal check to XXXX to resolve the payment, USAA cancelled the personal check. Information in USAAs bill pay system said it was my request to cancel the check, when I did not do so, and a notation now that USAA will no longer send payments to that biller. I called USAA on the phone on XX/XX/year> to find out why. The representative gave no answer why USAA cancelled a check they were not told to cancel and the representative told me USAA can not resolve the problem.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$330.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$330.00} Balance updated XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I used Zelle numerous times and have also reported discrepancies with my instution. Zelle has failed to investigate the claim and return funds. The CFPB 's findings indicate that Zelle has neglected to protect me as a consumer, leaving my velnerable to scams. This has raise many concerns
Product: Credit card

I received a texted phone number on my phone. I called and it was Wells Fargo Bank asking if I wanted to reopen the credit card application. I stated I did not apply or open a credit card account with their bank. I was asked a series of personal questions to validate my identity. I only answered yes and that was my phone number which matched what they had. The other information was not me. The bank representative stated I contact my bank and all the credit bureau to place an alert. I proceeded and put an alert on my developed credit. No other transactions were done to my credit cards or any other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 Section 602 states, I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC1681c ( a ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 


1. XXXX, Account # XXXX 2. XXXX XXXX  XXXX , Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX  XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Experian has also responded ( on XX/XX/2022 ) with that theyve verified the public record with the data furnished but The XXXX XXXX US BANKRUPTCY Court doesnt furnish requests from the credit bureaus so whom is verifying the public record and with what documents are being used to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am not getting any where with XX/XX/XXXXand Equifax in regard to an dispute. I begin writing these companies since XX/XX/XXXX in regards to inaccurate information being reported from XXXX XXXX XX/XX/XXXXXXXX and XXXX XXXX Equifax XXXX. XX/XX/XXXXremoved this account when I wrote them to dispute this reporting. This account is fraudulent and I have been unable to get any resolution from the Data furnisher XXXX XXXX XXXX XXXX XXXX XXXX. I even wrote the CEO XXXX XXXX at XXXX XXXX on XX/XX/XXXX. He didn't respond to my letter requesting an investigation into my frauded application. I contacted the XXXX XXXX XXXX credit management team on XX/XX/XXXX and XX/XX/XXXX again no response. I've been writing XXXX since XXXX with no response so that why I don't understand how these credit bureau is getting verified, accurate and updated from my dispute. I can't even get a response back from certified and return receipt letter. I am no longer disputing this item and I am asking these credit bureaus that the dispute verbiage needs to be removed immediately. I just don't understand why I am being ignored from both off these companies. I am buying a house and this is causing issues with my pre-approval. Furthermore Equifax and XX/XX/XXXXis reporting wrong information on my credit report. I also wrote letter to CT Attorney XXXX XXXX again no response from them.
Product: Debt or credit management

I enrolled with National Debt relief with the understanding that after XXXX months on time payments I would qualify for a loan from a Company within the same umbrella XXXX XXXX. Please note that National Debt Relief and XXXX XXXX  are the same company but XXXX XXXX is just a separate division. From the moment I enrolled, I've asked what I needed to do in order to qualify for a loan. I was told numerous time that it happens at the XXXX-month mark and depends on your on-time payments. I asked questions about is it based on credit and is based on accounts and on more than XXXX occasion within the XXXX months they told me it automatically happens and it's not based on any of these factors. On the XXXX month mark, I was told I did not qualify and was not provided a response from National Debt as to why I didn't qualify. The only reason I entered the program is because I was led to believe after the XXXX months I would qualify for a loan to settle my debts. I am passed the XXXX month mark and I'm still not sure as to why I don't qualify. I've called and tried to escalate the matter or even asked for a refund of the fees and XXXX XXXX will not allow me. I feel that my concerns about misleading have not made it to the appropriate level within the Company.
Product: Checking or savings account

Went in to the TD Bank branch on XX/XX/XXXX to open the account in person. Deposited {$710.00} cash. Left with a debit card and was able to use the debit card that evening. 

On XX/XX/XXXX, I tried using the debit card at XXXX right at XXXX and it says its not authorized. Tried logging in to my account online to get the customer service number and I no longer have access to my online account. Call their customer service and they tell me my account is locked pending in-person verification and I have to go to a branch. I immediately go to a branch with two forms of ID. The gentleman has to fill out a form and tells me that they cant give me any money until the fraud department re-opens my account which would be up to an hour. 

On XX/XX/XXXX, I call their 1800 number to check the status at XXXXEST. They tell me that it should take 15mins to 2 hours. I call back two hours later and they keep telling me that now they have no idea when my account will be open again. I am flying out to Colorado at XXXXEST and I have to money to do so. Ive now called back ( Im currently on hold ) and the woman is telling me there are zero notes in my account and she doesnt know whats going on. So now Im left with no access to my account and a group of clueless people who are basically stealing my money at this point.
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered the presence of these late payment listings. However, despite sending correspondence on this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation of these supposed late payments. I kindly request your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report an alleged debt that has not been validated as belonging to me. 

Transferring a contract does not give XXXX XXXX rights to collect from the contract therefore Transunion is unable to report such a collection account. 

I have the right as a federally protected consumer to opt out of this information from being reported. 

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX  XXXX XXXX {$460.00} XXXX XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$9900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}
Product: Credit card

Both my wife and I have a credit card with Bank of America. I logged in to pay today and noticed that both of our accounts show a different minimum payment due on the main account summary page than when I go to the make my payment screen. I have an example as well I can supply. Neither account was past due so no reason why my minimum payment should be different.
Product: Debt collection

I've contacted all 3 credit bureaus. I'm extremely upset with how XXXX and XXXX have delt with me. I sent 2 letters to them, First dated XX/XX/22 second dated XX/XX/22. I was told they did not receive either letter. They wanted me to file a complaint over the phone with XXXX of their employees. I did. However i asked them to send copies of corrected information, which they could verify through the hard copies i sent of reciepts and statements i got off line showing accounts paid. I also asked them to remove collections they did not belong to me. I also asked that they send information to me where i signed an agreement with these companies who had me in collections on my credit report. A corrected credit report. My current Credit Score. 
Neither XXXX or XXXX sent this information within the 30 days given. When i did receive information they had it listed as VERIFIED. No proof with my signature that i was responsible for the debt. 
The debt collectors was Midland Funding, XXXX XXXX, and XXXX. 
Midland Funding sent nothing to me with my signature. I was sent a notice asking that I pay {$630.00}. Nothing with my signature showing I owed this company. I rceived nothing from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler capital has violated my consumer rights. They are in clear violation under XXXX XXXX XXXX congressional findings in statement of purpose, XXXX XXXX XXXX ( b ) permissible purpose of consumer report, XXXX XXXX XXXX ( a ) definition rules of construction in XXXX XXXX XXXX coronavirus economic stabilization ( cares act ) Chrysler capital has illegally furnish information I did not consent to and this is a violation under the FCRA.
Product: Debt collection

I am writing to file a complaint against Southwest Credit Systems regarding account number XXXX. I believe that this company is attempting to collect a debt from me without having a valid license to operate as a debt collector in the state of Indiana. 

It is my understanding that under Indiana law, debt collectors are required to be licensed. The absence of a license raises significant legal concerns regarding their ability to pursue collection activities against me. 

I request that this matter be investigated, and I urge the immediate cessation of any collection efforts by Southwest Credit Systems. Furthermore, I ask that any negative information related to this account be removed from my credit report. 

Please be advised that if this issue is not resolved promptly, I may need to take legal action, which could result in seeking damages for violations of state law and recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Product: Credit card or prepaid card

Since XX/XX/2021, Bank of America has mismanaged my claim for fraud activity that stems from a Bank of America employee or XXXX XXXX employee. They have resolved only partially my claim of fraudulent activity on my account and failed to completely reimburse me the money owed me of approximately {$170.00} plus dollars. Emails have been elevated twice to supervisors for attention to the matter. I called their office again this morning and again an email is all they can do to elevate this case that has already been resolved since ; and letter sent to me in XX/XX/2021 advising me the case was fully resolved in my favor! Please CFPB, get this bank to pay me so this case can close once and for all.