23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account number XXXX {$1600.00} HIPAA VIOLATION XX/XX/XXXX - received collection letter, including a statement from the hospital XX/XX/XXXX - sent a validation letter to collection agency XX/XX/XXXX - received another letter from collection agency, including an account summary, listing visit details ( HIPAA violation ) XX/XX/XXXX - sent letter stating HIPAA violation and requested that this debt is removed from my credit report. 
XX/XX/XXXX - debts were updated on my XXXX report Account number XXXX {$170.00} DID NOT VALIDATE DEBT XX/XX/XXXX - received collection letter, including a statement from the hospital XX/XX/XXXX - sent a validation letter to collection agency XX/XX/XXXX - debts were updated on my XXXX  report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about the condition of my son. The privacy law is being broken by the medical care provider and the collection agency.
Product: Bank account or service

On XXXX XXXX, 2015 I in good faith opened up a Bank of America account and deposited a check from XXXX XXXX for {$1.00}, XXXX. I received a check from XXXX XXXX for damages to my refrigerator through a XXXX XXXX warranty account. Once I found out that the check was returned I notified XXXX and was told another check would be reissued in its place. 
I spoke to a Bank of America representative in customer service and explained the problem and was told that I would be given until XXXX 2015 to clear up the repayment. I am requesting that my name be removed from any negative reporting list. I have paid back the bank in full.
Product: Credit card or prepaid card

Tuesday XX/XX/XXXX : My wife receives notification of a Chase Fraud alert for a {$460.00} charge at XXXXXXXX XXXX in XXXX  and {$210.00} at XXXX XXXX ( She was on vacation in XXXX, I was at our home in XXXX XXXX  ). Her purse was stolen out of our car at the XXXX in XXXX XXXX and the criminal had our credit cards and her ID. Law enforcement was engaged and police report XXXX. While police and wife were engaging in XXXX, I was at the local chase bank here in XXXX, XXXX  closing accounts and getting cards reissued ( 2 hours in the local branch with my XXXX XXXX XXXX daughter ). The associate also had chase fraud on the phone. I was sharing information about the case with chase fraud/associate that my wife was providing to the law enforcement. ( Sheriffs name, camera footage from the hotel where purse was stolen, etc. ). During this time, the thief tried charging an addition {$1200.00} at a XXXX which was denied by chase fraud. 
I have engaged XXXX XXXX who is the VP of the branch bank in arizona at XXXX XXXX XXXX location . He knows me and knows that I was in the bank that day dealing with this. 
To date XXXX : Chase has denied to refund these charges even though I have asked for 3 reviews ; I have provided the police report number, asked them to pull cameras or audio details from the day it happened, asked them to consult their VP of the local branch to confirm my identity and the incident ... ..all to no avail. We had an HSA card from a different bank that was stolen and used and this was taken care of in 7 days with no issues. Not sure why the largest bank in the US does not offer the same security.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I submitted documentation to SN Servicing for a forbearance due to a personal illness and I lost my job during the pandemic. The company failed to reply to my request and they went forward with ether foreclosure on my property. The property was foreclosed on XXXX XXXX for {$89000.00} and the loan number is XXXX. I received this information from XXXX XXXX of the XXXX XXXX XXXX ( XXXX ) who stated he sent the excess back to the company. I owed only {$49000.00} on my home when they took the property from me and the excess was supposed to have been sent to me. My home had equity in it from XXXX .Mr. XXXX, gave me the name of XXXX XXXX of SN Servicing at XXXX Ext. XXXX. Ive tried to contact Ms. XXXX and she has refused to accept or return my calls. I am currently XXXX as I was approved from my XXXX benefits in XXXX of XXXX. I fell like the company deceived me and took my property. I dont have a home because they took it from me and I could have caught my note up once my XXXX was approved. Please call me at XXXX as I have supporting documentation proving these facts.
Product: Debt collection

This company continues to harass me by repeatedly calling and sending letters about a debt that is not mine. I have not accepted liability for this debt nor was I notified prior about this. I have asked them to stop but they refuse. Please help.
Product: Credit reporting or other personal consumer reports

The following are on authorized hard inquiries on my credit report that I do not recognize. I am asking that these inquiries be removed immediately. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, resulting in identity theft. Several unauthorized accounts and inquiries have appeared on my credit report without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and permanently removed from my credit file. 
XXXX Accounts : XXXX  XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$3400.00} XXXX  XXXX  XXXX  - Account No. XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$260.00} Fraudulent Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- while professing one may update or add to their dispute process to is not true by their allowing. They continually disallow any and all forms of commentary deferring to the lender or limited selective criteria they have established. This creates a false narrative and false investigation. Also the time to resolve disputes is outrageous placing people in financial bondage while lender are allowed to merely claim they are still investigating and their responses CAN NEVER reflect accuracy because consumer comments are never recognized andvl that remains acceptable!
Product: Debt collection

wakefield has an alleged debt listed on my credit reports Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit card or prepaid card

Recently I noticed unauthorized charges on my credit card account that I have with the First National Bank of Omaha. 

Immediately after I noticed unauthorized charges, I contacted FNBO via secure messaging system on their website, but FNBO refused to remove the unauthorized charges. 

On XX/XX/2022 I sent a letter to FNBO ( a copy of the letter is attached ) informing FNBO about the unauthorized charges. Today is XX/XX/XXXX, more than 30 days since I informed FNBO about the unauthorized charges on my account, but FNBO has not removed the unauthorized charges and they still remain on my balance.
Product: Debt collection

I have been paying off my credit cards and have been checking my credit report because I will like to finally buy something. I notice a change in my credit report saying that I owe on a credit card no knowledge of it and they telling I have to pay it. I have had fraud on my account for years no credit card should be open unless my information is verified. How did this happen? Midland Credit Mgmt says I owe {$1000.00}
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX  XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for the following accounts. XXXX XXXX, XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX {$780.00}, XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX {$3700.00}, XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX {$12000.00}. These accounts are all fraudulent accounts. I have reached out to these creditors inquiring about these accounts and have ask them to provide me information on when these accounts was open, how was they open, what address and what type of information was used to open these accounts. These creditors stated either they have to find the information or they could not provide that information as some of these items are old. I have never opened up any accounts with these creditors and I believe these accounts was open up fraudulently in my name. The following inquiries are also fraudulent as well. XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX Inquiry date : XX/XX/XXXX, XXXX Inquiry date : XXXX  XXXX, XXXX, XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, I have attached a copy of my Identity Theft FTC Report. The report number is XXXX.
Product: Debt collection

The lease that I got when I originally leased the car said that I would be able to buy the car at the end of the lease. When I turned the car back in at the end of the lease the salesman would not talk to me about buying the car that I was returning. He would only talk to me about other cars that were a grade below the car I was returning and cars that I did not want. He just completely blew me off. Then when I came back a second time he was helping other people and I was just left to sit and wait for half an hour. He didnt return my email. They were basically just blowing me off. Now they want me to pay this huge mileage fee. They just wanted to be able to make me pay the mileage fee and buy another car and start over. Its not right.
Product: Checking or savings account

I received my economic stimulus payment yesterday and American Express has locked the accounts of THOUSANDS and is refusing to answer the phones. I have been on hold for 15 hours.
Product: Mortgage

My loan was transferred by XXXX XXXX to XXXX on XX/XX/XXXX. I had a bi-weekly partial payment plan set up with XXXX XXXX to ensure a balanced budget, payments received before due date, and allowed for a few extra principal payments a couple times a year towards the principal. Our monthly mortgage payment is {$460.00}, I set up Electronic Transfers directly from my bank to XXXX for {$230.00} on a bi-weekly basis. Those payments have gone into a unapplied funds account until they receive the total, which they then reverse and apply to the monthly mortgage. They told me they will not continue and that they will reject the payment from my bank. A supervisor told me that I needed to send a full payment once a month, that I should transfer money to a different account and then send them the monthly payment when it is due. He continued to tell me that I am not making the monthly mortgage payment because they only receive partial payments. I had this set up because I am currently going through XXXX XXXX and treatments. I do not have to physically make sure the bill is paid. I have been doing this with XXXX XXXX for the last year-and-a half. For example : my bank withdrew {$230.00} on XX/XX/XXXX and will withdraw {$230.00} on XX/XX/XXXX, both of these amounts are towards the mortgage payment of {$460.00} due on XX/XX/XXXX.
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 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
EASTERN ACCOUNT SYSTEM HAS VIOLATED MY RIGHTS. 
XXXXXXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX  HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXXI HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX  XXXX BANK HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an ongoing issue with XXXX, XXXX, and Transunion that has been going on for well over a year. XXXX, XXXX, and Transunion are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and XXXX, XXXX, and Transunion continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. XXXX, XXXX, and Transunion are in violation of F.C.R.A. 611 ( 15 U.S.C. 1681l ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.
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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX AND TRANSUNION credit report on XX/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.
Product: Student loan

I have attempted to exercise my equity on my student loans by requesting my original instrument of indebtedness from Navient. I sent written requests for my two separate loans on XX/XX/2018 and it was received by them on XX/XX/2018. I did not receive any correspondence from Navient. I then made a SECOND written request on XX/XX/2018 which was received on XX/XX/2018. I did not receive any written response from them. 

I have provided for them my current address and contact information in writing and I have changed my information online in their database as well.
Product: Debt collection

I paid this bill back in 2014 with original company. I do know who this Real Time Solution company is and they have called my phone from different numbers saying horrifying things to me. Their claiming I owe them {$2600.00}. I asked for validation and I have not received anything from them. 
Please help me.
Product: Money transfer, virtual currency, or money service

I have held a coin base account for several years now and continued to comply with their TOS the entire time. In particular I even re-upped my KYC requirements prior to tax season these past few weeks. 

On XX/XX/23 I transferred my XXXX XXXX holdings from a separate wallet to the Coinbase wallet and waiting for the funds to make their way there. This morning, XX/XX/23, as the funds showed up in full on the balance, I initiated converting some of the bitcoin cash into ethereum, which was successfully done. When take the XXXX to the other wallet I own ( i.e., off-site from coin base ), my account was blocked. 

No notifications were given for the blocking and all the follow up steps listed on their website continues to say the account was blocked and every usual troubleshoot requires I can access the account in some ways. It is a circle of wanting codes and sign ins to progress in recovering the account that I am unable to initiate because its blocked from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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: Debt collection

The debt collector called my mother 's best friend asking for myself or my mother XXXX the co-signer ) and identified that she was calling to collect a debt. The same debt collector left a voice mail on my mother in law 's phone ( she had no previous knowledge of my debt as the loans were taken out before I was married ). This voice mail said the name of the collection agency as well as that it was " an attempt to collect a debt ''. She also called my stepmother and told her the same thing- that she was calling to collect on my student loan debt, that she also was not aware of.
Product: Credit reporting or other personal consumer reports

The following company Tally Technologies INC has listed there name on my XXXX credit report as a line of credit in the amount owing {$3400.00}. I tried to resolve this matter amicably with this company through use of Credit reporting agency and via certified mail directly to the company. As I have stated on numerous occasion, I am not the one who open this account. I have file police report and FTC identity theft report and sent to credit reporting agency. The information this company has is a misrepresentation of who i am, such as address, email, phone etc..I have no recollection of ever doing business with company. I have never even heard of Tally Technologies INC. However, they are listed on my credit report XXXX acct # XXXX as a line of credit.I am reaching out to the CFPB to assist me in resolving this matter.