23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received " invalid '' debt validation from XXXX XXXX, XXXX Vice President of Client Services via email. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I am allowed under HIPAA law to protect my privacy and medical records from third parties. I do not recall giving permission to ____ for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is as follows : Please provide a breakdown of fees including any and all collection costs and medical charges.

Please provide a copy of my signature with the provider of service to release my medical information to you.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Immediately cease any credit bureau reporting until debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey what the XXXX? i received your letter about you closing my complaint but why the XXXX would you do that?? who else would be complaining about my own disputes besides me? hey please take action, I have been waiting for almost 2 months now and the inaccurate items are still on my report! please get those negative items deleted
Product: Checking or savings account

They have not tried fixing the direct deposit issue my account is negative i have many bills due today that have high re-connection fees i have kids to take care of Also tried calling still XXXX & they lied about a sign up XXXX account bonus those XXXX have not hit my account after XXXX  months
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$780.00} ; XXXX  XX/XX/2023.
Product: Debt collection

About a year ago, I financed services through XXXX XXXX XXXX through XXXX XXXX. Roughly a year ago, XXXX XXXX XXXX abruptly closed and I never recieved any of those services. XXXX XXXX has since started harrassing me to collect this debt. I have expressed to XXXX XXXX that I did not recieve any of the services and their response was that it was not their problem. They also threatened to use legal action against me if I did not pay. I then told them that I will contact them to reach a resolution and until then I do not want to be contacted by them. However, they have continued to call me repeatedly using the telephone number above and various other phone numbers. It has become increasingly difficult to use my phone because of the number of harrassing calls I keep recieving from them.
Product: Checking or savings account

At Citibank, I opened a checking account with opening bonus offer.

XX/XX/XXXXI opened and deposited XXXX  . XX/XX/XXXX I deposited XXXX $ XX/XX/XXXX I withdraw XXXX $ XX/XX/XXXX~XX/XX/XXXX is 62 days and I met the bonus term and waited.XX/XX/XXXX I inquire the bonus and citibank says : Unfortunately, your account does not qualify for the promotion because the required amount of deposit was not maintained within stated timeframe. The term was : Open a new checking account in the Citibank Account Package by XX/XX/XXXX.  

Within 30 days after account opening, deposit {$15000.00} or more in new-to-Citibank funds into new checking Account or new or existing Savings Plus Account or Citi Savings Account.

A minimum balance of {$15000.00} is required to be maintained in the new checking or new or eligible Savings Plus Account or Citi Savings Account for 60 days from the date that the {$15000.00} deposit is made.
Product: Credit reporting or other personal consumer reports

I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate.
Product: Credit card or prepaid card

Took XXXX 6 months to give me credit for items that were returned to the company, I called the credit department onXX/XX/XXXX and was told by XXXX  and XXXX in the customer service department I would receive a credit of {$65.00} on that date. I was moving into my new home and did not have internet access and made a telephone payment on my account with XXXX  automatic Teller service in the amount of {$60.00} taken from my chase bank account and was never given credit for that payment. I have never missed a payment with XXXX. OnXX/XX/XXXX I made a payment of {$1700.00} because my total balance owed on the card was {$1700.00} in total purchases, I have not charge on my card.On XX/XX/XXXX I made another payment of {$50.00} on XXXX website, on XX/XX/XXXX I made another payment of {$250.00} which at this time a balance was showing of XXXX. I was sent a bill for XX/XX/XXXX in the amount of XXXX, not given credit in the amount of {$250.00}. I call the customer service department and customer service would hang up the phone before answering my calls. I call XXXX XXXX who manage the XXXX  card and XXXX at the bank said she does not know about the easy pays and I need to talk to XXXX about payments. I do not see a credit for my easy pays in the amount of {$1700.00} and {$250.00} and {$50.00} payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed MY BANKRUTCY 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 which they stated the DO NOT/ HAVE NOT REPORT PUBLIC INFORMATION. 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. 

The fact that public records still show up on a credit report makes them false reporting, and a violation of the Fair Credit Reporting Act. 

Please remove and delete bankruptcy.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XX/XX/year> Velocity Investments , LLC XXXX XXXX XXXXXXXX XXXX NJ XXXX Subject : Debt Validation Request Dear Sir/Madam, I am writing to request validation of a debt that you have listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request and receive validation of this debt.

Details of the Debt in Question : Creditor : Velocity Investments , LLC Amount Due : {$3900.00} Last XXXX of SSN : XXXX Please provide the following information to validate this debt : Proof of the original contract or agreement that created the debt, showing that it was legitimately incurred by me. 
Documentation of the chain of title of the debt, including any assignments or transfers, to verify that Velocity Investments , LLC, has the legal right to collect this debt. 
An itemized statement of the account showing the calculation of the amount claimed to be owed, ensuring the accuracy of the amount being claimed. 
Until this information is provided, I request that you cease all collection activities and remove this debt from my cXXXX 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 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 

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

XXXX inaccurately reported that my accounts were '90 days ' late, in XX/XX/year>. My attempt to work out this issue with XXXX has not been successful, at all.
Product: Student loan

My daughter graduated from college in XX/XX/2018 and XXXX claiming to be from Premier student loan center called offering student loan forgiveness assistance. The phone # she called from was XXXX and her voice mail gave a different name, XXXX. XXXX requested my daughter and I pay XXXX for the next 6 mons each and then after six months I would pay XXXX a mon and my daughter would pay XXXX a mon saving us XXXX in student loans and interest. We believe this offer was legit and she used scare tactics urging us to accept the offer now because XXXX is trying to shut down this program and I will have to pay XXXX a month and my daughter would pay XXXX a month plus XXXX in interest. My daughter provided her bank card info to hold the offer and I gave her our FSFSA confirmation #, so now they have access to all our info SSI #, DOB, tax  information and etc. She took the XXXX when they promised to wait on us to give authorization. They preyed our vunerability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in XXXX v. XXXX XXXX XXXX XXXX XXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA se

ction 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for  reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, 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 reports relates. These accounts " XXXXXXXX XXXX  account # : XXXX '', XXXXXXXX XXXX XXXX  account # XXXX, CREDIT MGMT ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Check the attachments below.
Product: Credit card or prepaid card

To whom it may concern : Please be advised, this is a written complaint requesting your agency 's assistance. The complaint is against Home Depot/CBNA ; which is attempting to collect a debt they have reported as canceled with all three credit reporting agencies. 

Most importantly, listed under the remarks section of my credit report, it states that my account was cancelled by the credit grantor. This information was also reported by Home Depot/CBNA to the credit bureau stating this debt was cancelled. 

Therefore, I am requesting a thorough investigation and removal of this debt from all three credit bureaus. I greatly appreciate your assistance in this matter, and thank you in advance for your prompt response. 


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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I experienced a severe fall that resulted in excruciating pain, prompting a visit to the emergency room. Despite my repeated requests to see a physician due to my intolerable pain, I was only treated by a Nurse Practitioner. Given my history of adverse reactions to painkillers, I was eager to explore alternative treatment options. 
On the Monday following the fall an examination by XXXX XXXX XXXX XXXX, XXXX of XXXX XXXX and a practicing physician at XXXX XXXX, it was determined that I had torn both rotator cuffs beyond repair. 
The unrelenting pain led me to request an ice pack after waiting nearly three hours without any sign of an attending physician. 
Feeling neglected and frustrated, my husband and I decided we should check my out and seek advice from a friend who is a physician while waiting to see XXXX XXXX on Monday. 

Recently upon reviewing the discharge record, we were shocked to find that the hospital had falsely labeled me as abusive. This inaccurate portrayal only added more concern to the already poor treatment we received in the Emergency Room at XXXX XXXX. 
Subsequently, we discovered that our insurance had paid {$3000.00} for the subpar care we received, which included the hospital 's failure to provide basic services such as functioning X-ray machines. To add insult to injury, we were then pursued by collections for a bill of {$360.00}, despite the lack of proper care we received. 
In light of these circumstances, we contacted the hospital but they asked my husband what he thought was a fair resolution he indicated that they be thankful for the {$300000.00} and that the balance of {$360.00} should be cancelled. We got a letter from XXXX that they reviewed and we are required to pay the balance and sent it to collections, My husband are fortunate enough to be financially capable of paying the bill, I feel it is important to hold the hospital accountable for their actions and ensure that other patients do not face similar mistreatment. 
I urge you to intervene and address these concerns before legal action becomes necessary. Thank you for your attention to this matter. 


XXXX XXXX ER Record Below Prior to discharge and continuously throughout XXXX visit, this pt was verbally abusive to the nursing staff as well as the provider. Pt verbalized dissatisfaction with pain management as well as, " not being treated by an actual doctor. '' Pt offered comfort measures appropriate for the injury sustained and multiple attempts were made to provide timely updates as to the plan of care. This nurse as well as XXXX XXXX and provider XXXX, did everything within the scope of our practice to provide comfort to the patient. All imaging was copied and put on a CD for the patient to take with her, ice pack provided along with sling, and a prescription for pain management provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.
Product: Debt collection

recieved a call on XXXX XXXX in the morning from a processor stating they had lawsuit papers to serve me and to call this number for information XXXX to talk to XXXX XXXX they were from a law firm in XXXX XXXX saying they were doing litigation to sue me and garnish my wages anf lien on my property if i dont settle an amount of XXXX original creditor hsbc XXXX XXXX i told them i dont remember having that creditor nor its on my credit report i just want more information on this to see what was purchased i had identity theft back in XXXX .they send me a validation letter with not much information just offering me a settlement of XXXX to be paid by XX/XX/XXXX, im worried this might be a scam they didnt offer me a website or more detils on their law firm just a name law office of XXXX located at XXXX XXXX XXXX XXXX XXXX california XXXX i filed a police report t for identity theft since they have all my personal information how can i protect my self or know if this is legit
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and update it from my personal credit file. Thank you. XXXX XXXX XXXX XXXX
Product: Student loan

I refinanced my XXXX XXXX loan with SOFI, the distribution date was listed on my loan as XX/XX/year> and I was charged interest based on this date. However, my loan did not disburse until XX/XX/year>. SOFI confirmed that the funds " had to be reissued '', but are refusing to adjust the interest charged accordingly.
Product: Credit card or prepaid card

XXXX sends me offers checks every month for balance transfers purchases or write a check to myself.onXX/XX/17 I wrote a check for XXXX the checks offered XXXX  percent interest for 18 months with a I percent fee I checked my account 5 days later and saw I was being charged XXXX plus XXXX interest. I talked to a rep and was told to have my bank wire the money back and reverse the transaction my banker told me to pay them directly out of my account and save a XXXX fee.i contacted XXXX again and another XXXX said that would be fine and the transaction would be reversed so I sent the XXXX back. the next I got a text saying I had paid more than the minimum amount and still had a balance of XXXX. I called again and was told that my promo check was out of date and I had to pay XXXX .after getting their XXXX back they changed the deal and demanded the extra money it went from cancelling a transaction to paying interest on money for a month that I had for 5 days and was lied to multiple times by.XXXX  XXXX and XXXX made no attempt to contact me or make any resolution or even ask about my interaction with their XXXX.
Product: Credit card or prepaid card

I was sent a solicitation to receive XXXX XXXX XXXX XXXX for signing up for the XXXX XXXX Citi card. I went online and applied for the card, there was a lock on my credit so I had to call back to get it unlocked. When I spoke with the person they approved the card and congratulated me on receiving XXXX bonus miles once I spent {$3000.00}. After several months of using the card and spending well over {$3000.00}, I was told that I did not qualify for the miles because I had closed a similar card less than 24 months before. I find this false advertising and bad business! When my credit was pulled they clearly could have seen that I closed the card within 24 months and either denied the card or let me know that I would not receive the miles!
Product: Credit reporting or other personal consumer reports

This information that I show here shows negative information that is greatly affecting me. This information does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX