23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The letters which were sent to the company were requests of HIPPA validation, I am requiring that the company XXXX provider HIPPA consent that stated I acknowledged and advised the hospital to send over my medical information to them company. I have yet to receive a response to any of my requests for XXXX validation. The continued requests have been documented and have yet to be acknowledged. Just two years ago in 2015 the lawsuit, ( XXXX versus Syndicated Office Systems XXXX Central Financial Control ) alleged that Central Financial Control had violated the Fair Debt Collection Practices Act when attempting to collect on consumer debts as well as Preventing consumers from exercising important debt collection rights. Failure to remove these collection accounts from my credit report will result in me opening another class action lawsuit against the XXXX for HIPPA violations, also well as the mishandling of my consumer credit reporting disputes. I have disputed these accounts multiple times with no acknowledgement of HIPPA validation to release my medication information. I will ask the court to refer to the previous lawsuit and see that the business practices have no changed of the company and they are n't following the criteria set forth for them. I will also ask for the company to incur all court costs as well as compensation for the case. I am requesting the accounts be removed from my credit reports within 30 days from this response.
Product: Credit reporting or other personal consumer reports

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. Code 1681a- Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT XX/XX/XXXX, AND XX/XX/XXXX ] Instruction : [ Please Verify and update this account payment history to current ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS SHOWING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Product: Debt collection

previously disputed SYNCHRONY BANK, account with a balance of {$2100.00} because its factually disputing incorrectly on credit report. I strongly disagreed with the results. XXXX is reporting account type open with comments stating collection account yet payment history XXXX as agree all the way. XXXX is reporting account type installment and account type detail Debt buyer with consecutive charge off all the way from XX/XX/XXXX through XXXX XXXX XXXX XXXX reports account open with no data on payment, history. Date last active for XXXX reports as XXXX  while XXXX XXXX report XX/XX/XXXX and XXXX reports XXXX. There is no way that account can be reported as open with one bureau while the other bureau is reporting collection and theres definitely no way that account can be reported open and being in collection yet perfect payment history all at the same time. Account is a total mistake itself. There is no way that all three bureaus can be right if information is coming from the same furniture data.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I called XXXX about my XXXX XXXX XXXX XXXX black phone ( SN XXXX ) breaking, using the accidental damage coverage I had on the phone. They accepted the claim and sent me a new XXXX XXXX XXXX XXXX black phone ( SN XXXX ) The new phone ( SN XXXX ), I received on or around XX/XX/XXXX did not work. The radio would not pick up the cell network. I did another RMA with the XXXX store now ( synchrony financial funded ) and they proceeded to send me another phone ( SN XXXX ). When I ordered this phone I was required to put a deposit down in case it was not returned. 

As of now, both phones were mailed by their respective deadlines. I then called and confirmed on or around XX/XX/XXXX to confirm both phones were recieved, and the XXXX store gave me an affirmative response. 

Now when I have called to check my balance on my Synchrony Financial card, they have charged me the full price of the phone that I returned to them via RMA. 

I do not have this phone in my possession, they did not take the charge off, and are not working with me. I have attempted to remedy this numerous times with no luck. They have charged me {$980.00} dollars I do not owe. 

I have requested they take the charge off and they have not. 

I have attached the tracking information showing the items were received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C. 1681 ( a ) ( XXXX ), Transunion is an elaborate mechanism that has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. 

With that being said, TransUnion 's consumer reporting agency is furnishing my consumer report with fraudulent hard inquiries, inaccurate personal information, billing errors, and accounts. Not only do these items not belong on my consumer report but more importantly, these items are in violation of several Fair Credit Reporting Act laws.
Product: Money transfer, virtual currency, or money service

Venmo changed their terms. They are attempting to bypass judicial review of issues including barring users from joining class action lawsuits. They allow users to opt out only by printing and mailing in a form. 

Form : XXXX XXXX XXXX XXXX causing this issue : Affects your and our rights and will impact how claims between you and us are resolved, including your and our agreement to waive the right to trial by jury. 

Includes a Prohibition of Class and Representative Actions and Non-Individualized Relief pursuant to which you agree to waive your right to participate in a class action lawsuit against us. 

Requires you to follow the Opt-Out Procedure to opt-out of the Agreement to Arbitrate by mailing us a written notice. If you are a new user, the opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. 

If you are a current Venmo user and previously accepted the User Agreement prior to the introduction of this Agreement to Arbitrate on XX/XX/2022, the opt-out notice must be postmarked no later than XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Dear CFPB Regarding XXXX Medical Debt Loan Experians fraudulently changing the status of the account from loan to charge card On XX/XX/year>, the CFPB ruled that medical debt could no longer be reported on a persons credit file I have let Experian know on numerous times that the XXXX account is MEDICAL DEBT. 

After the XX/XX/year> ruling, I notified Experian again that they are to remove the medical debt contained on the medical loan under the name XXXX To avoid removing the medical debt from my account, Experian committed fraud by changing the account type from loan to charge card This was done by Experian because they are paid excessive amounts from those selling credit cards and loans and thus there is not a legitimate investigation for the consumers Instead of contacting me or getting more information, all customers are prohibited from calling into the call center. There is no customer service whatsoever at Experian. They have abandon their customers, and there is therefore no unbiased investigation. 

Experian failed to do a reasonable investigation that was requested on XX/XX/XXXX and XX/XX/year>. If they legitimately did an investigation then there wouldnt be an accuracy on my account to this day but instead they waited until the XX/XX/XXXX ruling for medical debt to fraudulently, changed the status of the account from loan to charge card. 
Failure to do a reasonable investigation is an FCRA violation. 
Avoiding the customers at the call center for bidding them to give input about their medical debt prevents an unbiased investigation. However, secretly Experian committed fraud by changing the status of the XXXX on account from loan to charge card. 
Because of the medical debt status, the FCRA violation, the failure to do a reasonable investigation In XXXX and XXXX, I am demanding that the medical loan that was fraudulently labeled as charge card be removed from my credit report as at once. 
XXXX XXXX removed the XXXX medical debt loan from my credit report because it was considered medical debt in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed IRS Form XXXX ( Application for Withdrawal of Paid Federal Tax Lien ). It is a new initiative ( XXXX XXXX Program ) for people who credit score suffers from a paid Tax Lien. The IRS sends a withdrawal form to the persons County Assessor to have the Tax Lien removed.
I have sent Equifax proof of Release of Federal Tax Lien, through email. Ive also did an online dispute to have the tax lien removed from my credit report in XXXX of 2017. However, the derogatory remains on my credit report under Public Records.
Fortunately the other two credit bureaus ( XXXX & XXXX ) have removed the tax lien, according to the IRSs new XXXX XXXX Program.
I have proof that the lien has been paid, released, and withdrawn from my County Assessors Office. Therefore, Equifax, should honor the release and remove it from my credit report.
Product: Checking or savings account

Robinhood closed my Investment Account. Account No. ( XXXX ) XXXX. They closed all trading positions and returned {$100.00} of my funds. However, there is still {$170.00} remaining in the account. 
I contacted Robinhood and they informed me that I would need to " upload '' my bank statements to their site to confirm funds. I contacted my bank and obtained such bank statements, however, Robinhood 's instructions are not actionable in their phone app or their desktop application. Perhaps it is because my account is closed.

I have repeatedly contacted Robinhood for updated instructions or other way to upload my bank statements to close the account, but have been sent duplicate erroneous instructions, and therefore I have been unable to upload the information requested. 
I'm perfectly willing to provide Robinhood any information they require, however, they are not assisting in an actionable way to finalize this matter. They keep sending me emails that do not resolve the issue in any way, and it is frustrating that they do not even know their own app enough to solve and finalize this small issue. 
Please help! Any assistance from CFPB would be greatly appreciated.
Product: Mortgage

I emailed the company on XX/XX/XXXX with a question about an erroneous miscellaneous fee on my loan statement. 

I noticed a {$500.00} client misc fee on each statement for my equity loan with Discover Home Loans. I called to inquire about this, and the customer service rep I spoke with was unable to explain this fee. She advised me to send an email to XXXX requesting an explanation. She looked up the original loans docs and indicated that I did not owe a loan fee, and that I have never missed a single payment, so could not figure out what this fee would be related to, and advised Id need to reach out to the research department for help. This loan funded over 4 years ago and there was no loan fee or application fee, so I dont understand what this could be referencing. I do not owe any such fee. 

I emailed the address above on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not even ackowledged my emails and have never responded at all. I also emailed via discover home loans website message center on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, asking for clarification for this fee, and a copy of my most recent amortization schedule. No one has responded to any of these emails either. I want an explanation for this fee, and I want it to be removed from my monthly loan statements.
Product: Debt collection

On late XX/XX/2018, I received a letter, dated XX/XX/2018, from XXXX XXXX XXXX XXXX trying to collect for XXXX XXXX  XXXX. It gave me 30 days to dispute this. I called them and obtained their fax number. I issued a response on XX/XX/2018 which was faxed to them on the same day with fax confirmation. In my written response, I dispute their charges and asked that they stop calling, and they should respond in writing. Collection company frequently taped the phone conversation, but do not release the tape to the customer. As a rule, I requested all phone call be stopped, and all communication be in writing. Since my fax, this collection agency continues to call, the last call being today, XX/XX/2018 about XXXX. They also reported this disputed debt to Credit Bureau, both of which, I understand is not permitted by laws.
Product: Student loan

XX/XX/XXXX I called Navient questioning my balance. At this encounter I was told that I had been in bankruptcy for 10 years ( XX/XX/XXXX-XX/XX/XXXX ) and had additional interest of {$10.00}, XXXX added to my account which per the Navient representative my total owed was {$26.00}, XXXX. I was only in bankruptcy from XX/XX/XXXX-XX/XX/XXXX and provided the documentation to prove this. After investigation by Navient I was told that I was in bankruptcy for 10 years and the additional interest would remain. I continued to make my regular monthly payments. When I received my monthly payment reminder for the XX/XX/XXXX payment it stated my payment was {$380.00} so I went onto my online account to investigate. Here it showed my payment was {$190.00}. Even more shocking to me was that my account balance was now {$27.00}, XXXX. Which is more than it was in XXXX of XXXX. I did reach out to Navient XX/XX/XXXX to address these concerns. At this point I was told that when the account transferred from XXXX XXXX XXXX XXXX XXXX to Navient ( Sallie Mae at time of transfer ) in XXXX following bankruptcy that the capitalized interest was changed to accrued interest which is where the {$10.00}, XXXX interest came from. I would like this investigated further as this is not what Navient stated back in XXXX of XXXX. Furthermore, Navient 's investigation into the questionable bankruptcy supported that I was in bankruptcy for 10 years even though I provided all of the legal documentation that disproved this. With that the additional {$10.00}, XXXX interest was left on my account. Navient also did not address the fact that my balance with additional balance was {$26.00}, XXXX in XXXX of XXXX and now my balance is {$27.00}, XXXX. I am questioning fraudulent activities on my account by Navient and want it addressed so that my total owed is accurate based on the total owed I was given in XXXX of XXXX when speaking to the Navient representative.
Product: Mortgage

over the last 2 years with several requests, Ocwen Loan Servicing continues to deny my ability to pay my own taxes and insurance. 
as a mortgage professional, who has originated several Ocwen loans to my clients throughout the years, I have had to personally assist 4 of them with issues surrounding Ocwen 's misuse and inability to manage the funds that are to be properly disbursed to the city tax assessors office and/or the insurance companies. 

After 12 years of paying my mortgage on time, and several hours of wasted conversations with the incompetent staff of Ocwen Loan Servicing, who give you the runaround and can not provide adequate answers for their inability to function properly, I ask that you investigate the abuse suffered at the hands of consumers by this company Ocwen has been issued cease & desists for originating loans by 30 AGs offices around this country, I am now requesting that a full investigation of the abuse and misuse of clients escrow funds and the need to revoke Ocwens ability to even service loans, never have I dealt with a more thoroughly incompetent group of people than the staff of Ocwen Loan Servicing
Product: Credit reporting or other personal consumer reports

This account was canceled on the following date : ( XXXX XXXX XXXX Since then, the account has been updated as canceled every month. This is an update in the payment history. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly, and your negligence has violated my rights. I demand the deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I always paid on time that's why this is ridiculous
Product: Credit reporting or other personal consumer reports

Formal Dispute of Unauthorized XXXX  XXXX XXXX Account I am writing to formally dispute the existence of an account under my name with XXXX XXXX XXXX that I believe has been opened fraudulently and without my consent or knowledge. I only became aware of this account by reviewing my credit report on XXXX, which indicates an account listed by XXXX XXXX XXXX [ insert any account number or reference if available, or state 'with no specific account number provided ' ]. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or fraudulent information on my credit report and request that it be investigated, corrected, or removed as necessary. This unauthorized account is not only inaccurate but also damaging to my credit standing and is the result of identity theft. 

I hereby request the following actions be taken as per the FCRA guidelines : Verification of the Account : Please conduct a thorough investigation into this account to verify its authenticity, how it was opened, and any documentation that was used to establish this account in my name. I assert that I did not authorize the opening of this account and have no knowledge of it prior to my credit report review.

Immediate Freeze on the Disputed Account : Pending the investigation, I request an immediate freeze on the account in question to prevent any further fraudulent activity.

Correction of Credit Reports : Should the investigation confirm that the account was indeed opened fraudulently, I demand that this account be removed from my credit report with all three major credit bureaus ( XXXX, XXXX, and TransUnion ) to correct the information and restore my credit score. 

Written Documentation : I request written confirmation of the investigation 's findings and a confirmation letter once the account has been removed from my credit reports. 

I expect a response to this dispute within the legally mandated timeframe of 30 days as outlined by the FCRA. Should you require any further information or documentation from my side, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers against fraudulent financial activities and credit reporting inaccuracies. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Product: Debt collection

XXXX XXXX, XXXX XXXX and XXXX XXXX from MOHELA continue to send " bills '' even after an Identity Theft Report was filed against them. They continue alleging that I owe a debt. They continue with their Illegal Debt Collection Practices Under 15 USC 1692 ( E ) ( 1 ). I am the creditor as per 15 USC 1692 ( A ) ( 4 ).

They have no license to do business in Maryland. They keep harassing me by phone and mail. Who are they to override the above U.S. codes under the Fair Debt Collection Practices Act ( FDCPA )?
Product: Credit card or prepaid card

I am a MA resident. I had a citi prestige card. On XXXX  I was charged another year of annual fee {$490.00}. On XX/XX/XXXX I closed the account. Citi refused to refund pro-rated annual fee, which is against the massachusetts local law about annual fee partial refund policy. 
Part I Title XX Chapter 140 Section 114C " A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It disappoints me to see that the Credit Buraus haven't done anything to correct my Credit Report despite the countless attempts to establish a firm communication with the Credit Bureaus. I have been sending dispute letters to the Credit Bureaus to inform them that I am a victim of XXXX Identity theft I write to dispute information on my Credit report that resulted due to identity theft. The Credit Bureaus are required to remove any accounts and information that the Consumer identify as item resulting from the identity theft. I have been trying to emphasize the importance of the FCRA section 605b to the Credit Bureaus trying to protect my rights and correct my Credit file from any erroneous reporting. I am hoping that by submitting this complaint through the CFPB, my voice would be heard by the Credit Bureaus and have the disputed items removed immediately. Here the list of the items I need deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, XXXX, A XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX : {$1400.00}
Product: Checking or savings account

I closed the account XXXX times with XXXX balance. They keep charging fees and not close. I have signed document by Busey its a XXXX balance & closed. I called today to send Busey proof & Adam cust svc hung up on me.