23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A few months ago I noticed a collections account from XX/XX/XXXX. I investigated the account and it was from an emergency visit that was sent over to my insurance and they even paid it. To my knowledge the balance was taken care of and it even reflects in the paperwork they sent me. I requested validation for the debt and I was sent information showing where my insurance had paid and they somehow ended up on my credit file. I have always had the best XX/XX/XXXX from my job and have never had to pay for emergency service out of pocket. I was never sent any paperwork or information for this account EVER, THEY JUST PUT ME IN DEFAULT, the address isn't even correct on their records. On top of that, this company has violated my HIPAA Rights by sending me my own medical services rendered and Dr. information WITHOUT SIGNED HIPAA RELEASE FORM. I have ran a complaint with the CFPB with no avail, please supervise the deletion of this inaccurate, invalidated, attack on my character, and ability to borrow.
Product: Checking or savings account

On XXXX XXXX I was notified by Bank of America via text that there was some unusual transactions on my bank account. When I looked at it i saw something wrong and I requested for BOA to stop transactions. After that they immediately contacted me, while we were discussing the incident there were several transactions trying to be conducted on my account. After looking at my account and having the discussion we realize that this has been going on for a while and I immediately file claim for my money. Which was an excessive amount of {$20000.00}. BOA did recognize that fraudulent activity had taken place and agreed to refund me my money within 30-90 days pending investigation. Four days later I get a letter in the mail stating my claim has been denied. After several attempts and applies i am getting no where. They sent me a letter to fill out and I did and sent it back. A few days later I receive a letter in the mail stating that my claim is still denied. I had nothing to do with this at all. I am a victim, BOA is suppose to protecting me and I want all of my money. BOA does not have the right to deny my claim with no explanation or justification other than " I should be watching my account ''. My account has never been associated with the third party apps in which my account was used for such as XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute with Equifax XXXX times in concerns of my XXXX XXXX XXXX, on Sunday XX/XX/XXXX spoke with a represented in the XXXX, stating that XXXX XXXX is reporting accurate with the negative information on my credit, " stating that the account is a charge off of XXXX. Tried to explain that XXXX XXXX is stating that all of my credit reports should reflect, no charge off, paid in full and never late. 
He stated that is not what XXXX XXXX is reporting to them. 
I would like to start an investigation against Equifax for negatively impacting my credit for over an year when they have been provided accurate information several times by me and the consumer. 
I have attached both responses from XXXX XXXX First  complaint number # XXXX filed on XX/XX/XXXX Second complaint number # XXXX filed on XX/XX/XXXX
Product: Checking or savings account

I initially joined the program with the thoughts of home delivery service and after several weeks gone by. I have found this program will not work for me. For me, it is a waste of time and money. As for me I was looking for a short time guide which could lead me to overall healthier eating options and I knew this would be an option specifically because of the home delivery part which would be essentially the main reason in which I joined. 
I sent my request to cancel and it has continued to charge as here recently. 

This plan was presented with the plans to have home delivery and the food would be preplanned accordingly. For me that would be great and alleviate the thought, time and planning for food. 
Because this plan was presented in a way to alleviate the planning and food prep would be available Now this is not the case and I was and have been willing to wait for the meal prep delivery Though I knew it would be additional charge. For it would be all worth it. 
However, the case here is it was presented that I would have that option but this never happened and I do not have time to facilitate the time for meal planning independently I wanted to take on this purely based on the meal delivery which has not happened due to the fact, the potential contract for home delivery has failed through twice. 
I have waited for the allocated time to reconvene on this matter but it has taken place. On this note I just want to cancel.
Product: Credit card

On spring break I travel to the florida on XX/XX/XXXX XXXX XX/XX/XXXX of 2023 my card was lost. And saw this transactions charge in my card of XXXX dollars and more transactions that I did not did it, my internet connection was terrible over there, and I called on XX/XX/XXXX to report to the td bank credit card and they say ok they will continue a investigations and it pass so many months just to tell me, there is no enough evidence to help me. I am so concern about this transaction and would like more help please
Product: Credit card or prepaid card

Fraud was reported XXXX XXXX to US Bank for multiple charges totaling approximately {$3000.00} on my U.S. Bank credit card. Several charges have already been issued provisional credit by US Bank. However, additional fraud charges that have not been addressed remain. These charges are for $ XXXXrestaurant, $ XXXXXXXX XXXX, $ XXXX XXXX I have discussed these remaining fraudulent charges multiple times with US bank representatives in the fraud services, area, and always been assured that the charges will be reversed. As of today, XX/XX/XXXX, the above charges have not been reversed. Since these charges are a result of negligence on the part of US bank, I would like them reversed, as soon as possible, and not just reassurances that the charges will be reversed. I have a very limited buying profile and these charges are widely outside of that, both in purchase type and geographical area. It is obvious to me that no one was practicing. Know Your Customer when reviewing these charges for processing. 

I appreciate all your assistance, and please feel free to reach out to me for any additional information that may be needed to resolve this case.
Product: Debt collection

Credence Resource Management LLC Corporation Service Company XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : The Office of Registered Agent for Credence Resource Management LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Mortgage

We have been trying to reach SPS Servicing for a HAMP modification but have not been successful reaching them or getting them to send us the paperwork.
Product: Debt collection

I had previously submitted a complaint regarding a collection from XXXX XXXX XXXX which they said I owed them a balance of {$510.00}. The original complaint was resolved and I was instructed to submit a fraud report to XXXX XXXX XXXX XXXX  and my collection was removed. I have attempted to call XXXX XXXX XXXX XXXX XXXX department multiple times and it is consistently saying that there is no operator available to assist. I attempt to go through the phone system to submit a fraud report but it is asking me to put in a phone number/account number to an XXXX XXXX XXXX account that I never had in the first place because I have never used or made an XXXX XXXX XXXX  account. I never received a fraud packet in the mail and when I go into an XXXX XXXX XXXX  store, they are also instructing me to call the fraud department. Now on my credit report, it is saying I have collection again of {$510.00} now coming from a company called CREDENCE REPORT XXXX, and its once again stating that the original creditor is XXXX XXXX XXXX. I am very frustrated on XXXX XXXX XXXX  's end on how to solve this once and for all. I would like this resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX On XXXX XXXX noticed on my credit report from XXXX  and XXXX  that there were unauthorized credit inquiries with this company ( COAF ) This company on XXXX XXXX did not have permissible purpose, my written authorization to run my Social Security Number to establish credit, with their company they ran my credit 3 times on this day creating 3 different inquiries.
Product: Credit card

I have disputed multiple late payments with Capital One. These payments were all initiated before the due dates in 2022 but posted late due to USPS delays. Capital one has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report. I am writing to formally dispute the late payments reported on my credit report, which are due to the delayed processing of my payments by Capital One. These late payments are inaccurately affecting my credit score and overall creditworthiness. I have consistently made timely payments to Capital One ; however, due to their internal processing delays, my payments have not been credited on time, resulting in the erroneous reporting of late payments on my credit report. This situation is beyond out of my control and unjustly penalizes me as a responsible borrower.
Product: Consumer Loan

we had a loan through Wells Fargo purchased XX/XX/XXXX. My husband XXXX in the military shortly after that and while he was XXXX, I had trouble getting Wells Fargo to protect him under the Soldiers and Sailors Relief Act.. Our vehicle was repossessed around XX/XX/XXXX-XX/XX/XXXX. I believe this was illegal due to his XXXX. We were not given a court order. I understand that Wells Fargo is being sued because of this and I want to enclose proof of this. This affected our mortgage process due to the fact we had to explain why it was repossessed. I am also including the credit report stating the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SUN LOAN COMPANY XXXX I was never late with this company, the credit bureau XXXX XXXX ) are ignoring my disputes. 

Date updated shows XX/XX/2019. Which indicates there was not an investigation. 


I have sent disputes XXXX consecutive months now. Still nothing. 

Failing to Follow Debt Dispute Procedures is a violation of this FCRA. 

I have attached my last dispute with XXXX in regard to this account alongside the certified mail recipient.
Product: Checking or savings account

On Saturday XX/XX/year> I went to my local first XXXX XXXX bank in XXXX XXXX pa to withdraw money. I went to the atm went through the whole process to withdraw my {$230.00}, and the power went out to the atm right as it was about to push the money out. I went to a different atm to try to withdraw the money, only to find that it had already been deducted from my account. I called sofi ( who I bank with and where the money was pulled from ) and was told to file a dispute. I called the XXXX XXXX XXXX bank on Monday morning only be told that they could not give me the cash, and that I had to wait for the dispute process. Sofi then emailed me that same day saying that they denied my dispute because they had found no error with the atm. The XXXX XXXX XXXX bank told me that they balanced the atm and it was over by the exact amount that I am claiming to be owed and that they would also tell them that the power had, in fact, gone out at the very end of my transaction. Sofi didnt even contact them or gather information. They just chose to deny the dispute. {$230.00} is quite a big amount of money to me, right now. I do not know what else to do to get my money. Can somebody please help me? I am only trying to get the money that is rightfully mine, and that is owed to me. Im so lost. I want to cry.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my attorney was a victim of identity theft and someone hacked into her email. I reached out to her through email concerning my retainer fee. " She '' responded saying I can send her the retainer fee through Zelle with my XXXX checking account to her accounting clerk XXXX XXXX XXXX " The Hacker '' ). I sent {$2200.00} through XXXX XXXX Zelle. {$1000.00} on XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. I had to switch attorneys as of XX/XX/XXXX because my attorney had become a supreme court judge. In the process of closing her law practice she was going through her emails to make sure there were no loose ends that's when she noticed the interaction I had with her hacker and the money I sent over to her but in reality her hacker. I reached out to XXXX and they there is nothing they can do because Zelle is not their company.
Product: Checking or savings account

I had a cd mature on XX/XX/23 with XXXX XXXX '. Was told there was a 10 day grace period to renew. On the renewal date, the rate for a 1 year cd was 5.20 % with a 'loyalty ' bonus of 5.40 % and that if the rate went up or down during the grace period, I would be entitled to the highest rate offered during that grace period. On XX/XX/23, with 2 days left on my grace period, I called in on a recorded call to renew at the 5.40 % rate with the understanding from representative 'Eithan XXXX that if the rate goes up in the 2 days left on the grace, I would get the higher rate. XXXX also indicated that if the rate goes down, I would be safe and locked in at the 5.40 % rate. I renewed on XX/XX/23 at 5.40 %. On XX/XX/23, I called in to confirm everything with 'Tay XXXX who I was told was a supervisor, told me my cd renewed at the 5.25 % rate. She was not professional, very condescending and could not help me get the error corrected. Also spoke to a representative by the name of XXXX XXXX who also could not help me. Very troubling situation, and very poor customer service from phone reps that appear to be in other countries.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Please remove Cavalry Portfolio Services for {$1500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued or the amount owed. According to Regulation XXXX as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list and amount owed if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not itemizing any of the charges of this debt or stating the amount owed, therefore it needs to be removed from my credit report and all legal action must be ceased.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 my car loan was official paid off and was not reported as paid off to the credit bureaus. I did dispute with bureaus showing proof that this was paid in full and reported information by XXXX was inaccurate information, but dispute results still come back as verified and accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX somehow signed me up for a $ XXXXmonth program ( WHICH I ABSOLUTELY DID NOT AGREE TO ) and they've made it absolutely impossible to login to cancel my subscription ( WHICH/ AGAIN I DID NOT SIGN UP FOR )
Product: Credit reporting or other personal consumer reports

With all do respect, I have submitted the prior letter mailed to company that was non compliant with previous FCRA violation of inaccurate reporting, hats damaging my XXXX scores and new financing SEE ATTACHMENT PLEASE
Product: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 60 days later, I still havent heard anything back. I think my complaint is being disregarded and that Im being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else Ill pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit card

I requested to have my monthly payment lowered because my husband was XXXX XXXX XXXX in XXXX of XXXX,, and I was laid off from work on XX/XX/XXXX. I explained that we have extremely high medical bills. I explained that my husband was XXXX for XXXX weeks and he had a XXXX XXXXXXXX. I also explained that he will be going through XXXX until at least the XXXX of XXXX. However, I was told that nothing could be done to adjust the monthly payments because iI have a payment plan that could not be adjusted for any reason. I was also told that I would go into default if I missed a payment. I requested a forbearance and I was told that it wasn't possible. I have been paying my credit card bill every month for over XXXX YEARS and Wells Fargo is refusing to offer any assistance during a crisis. I absolutely can't afford to pay {$360.00}.
Product: Bank account or service

XXXX incidents : 1. I asked the bank representative why I was mailed a XXXX Visa card. He insisted I only have XXXX account, even when I showed him the XXXX cards. He got annoyed with me and shouted ( loudly ), " Why do n't you just go pay the bill! You have XXXX dollars in your account, so use it! '' He did yell out the actual balance in my checking account. 2. ATM would n't accept some of my cash, so I went inside and exchanged the bills. Same thing happened. Total of my wait time at ATM was 35 minutes. I could n't go to teller because only XXXX windows were open and XXXX people were in line. I spoke with a representative who brushed me off with " It 's a busy day '' and made no effort to help. I never made the deposit.