23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously filed a complaint onXX/XX/XXXX with this agency and an OCR complaint due to the company violating HIPPA. This original complaint was filed because on XX/XX/XXXX XXXX XXXX XXXX XXXX sent documentation of financial agreement form from the original creditor, which states a financial agreement between me and the hospital and an itemized billing statement with procedure codes and diagnosis information. After thoroughly reading the financial agreement section, it does not say anything about the hospital sending billing information or PHI to a third-party collector. I have never signed a HIPPA release form that stated they could have my PHI in the form of procedures, procedure codes and ultimately diagnosis information to any person or third-party collection agency. I have also never submitted a HIPPA form to XXXX XXXX XXXX XXXX XXXX  . I asked for validation of the debt, which did not require them to violate HIPPA and does not act as a HIPPA release form.

The company responded that their attorney stated they could have access to procedures and personal health information in order to collect a medical debt under the HIPAA " Treatment, Payment, and Health Care Operations Disclosures ''. Although after looking at this provision myself it does not say that a hospital or doctor 's office may send PHI to a third-party collector only to another covered health care entity or with expressed written permission from the patient. The HHS.gov website states, a covered entity may provide information without patient consent under the following circumstance, " A health care provider may disclose protected health information about an individual as part of a claim for payment to a health plan. '' XXXX XXXX XXXX is not a covered entity or a health plan under the definition of HHS. gov. So they never had permission either from me or through the statue that they claimed in their first response.

After submitting my claim to this agency as well as HHS.gov 's OCR division, I also filed a complaint with the State of Texas, because it seems that Global Receivables is not bonded in the State of Texas as a debt collector according to the Secretary of State 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL,

THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

This collection account opened on XX/XX/XXXX but is reported a as a joint account with XXXX XXXX who is my deceased husband. I did not go on this as a joint nor should this account be reporting to my name at all. According to the XXXX report, the balance was {$14000.00}. The balance is shown on XXXX  to be {$4600.00} as of XX/XX/XXXX. It is on my credit report as a Account charged off. {$4600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
This is not my financial obligation. Please remove from my credit report.
Product: Mortgage

I requested a grace period for XXXX and XXXX due to losing my job during COVID. The mortgage company denied this because i had no job lined up in the future. Then I had several health issues which made me XXXX. The court found me XXXX  as of XX/XX/2020. Instead of trying to help me out the mortgage company started charging me late fees. The man ( supposed to be a manager ) was rude and treated me badly. I would like to get a reduced payment. I am struggling to pay my bills. After paying everything out of SS benefits I am left with {$170.00} a month for gas and groceries. It is getting impossible. I have drained my savings down to {$5.00}.
Product: Credit reporting or other personal consumer reports

I recently rewiewed a copy of my credit report.l was shocked to learn that I have been a victim of identity theft. I found numerous loan account on my credit report that were not open me.This has been huring me as l am in the process of buying a home for my famely.Please remove the fraudulent loan account From my credit report as soon as possible.Thank You
Product: Credit card

I HAVE A KOHLS STORE CREDIT CARD. WITHOUT NOTICE, OR MY ASKING, THEY SENT ME A CAPITAL ONE KOHLS VISA. I DO NOT WANT THIS CARD. I SHREDDED IT THE MOMENT IT CAME IN. NOW I AM RECEIVING EMAILS FROM CAPITAL ONE STATING THAT MY PAYMENT IS DUE. I TRY TO LOG IN ON LINE, IT WON'T LET ME. I CALLED CUSTOMER SERVICE FOR KOHLS, I ASKED THEM TO CLOSE THE VISA ACCOUNT AND THAT I NEVER ASKED FOR THIS CARD. SHE SAID ( IN BROKEN XXXX ) THAT I AM A PREFERRED CUSTOMER AND THAT'S WHY I RECEIVED THE CARD. I ASKED HER TO CLOSE IT, SHE SAID SHE WILL SEND A CODE TO MY CELL PHONE, I TOLD HER THAT I AM NOT TECH SAVY TO GO BACK AND FORTH FROM TEXTING TO PHONE CALL AND ASKED HER TO EMAIL IT TO ME AND SHE SAID SHE CAN'T! THEY HAVE NO PROBLEM EMAILING ME FOR PAYMENTS. AT THIS POINT I AM FRUSTRATED AND WA N'T EVERYTHING WITH KOHLS CLOSED, STORE CARD AND THE VISA I NEVER ASKED FOR. THEY CAN SEND ME MY FINAL STATEMENT. WHEN I GO ONLINE TO CUSTOMER SERVICE, NOW IT SAYS THEY ARE HAVING INTERNAL TROUBLE AND I CAN'T LOG IN AND THEY CAN'T HELP ME NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is in reference to these closed accounts still reporting activity after the close date on my credit report. This is illegal, inaccurate, and really damaging my credit profile. There should be no activity reported after the closing date period. 
Remove the following account for reporting inaccurately : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

1. Chime does not properly report Individual Payments, but rather one lump sum which is the total made through the month. As such, Chime inaccurately reports to the CR 's making it appear as though someone went over the limit when in fact they did not.

2. Chime fails to report monthly to the CRs as ADVERTISED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$130.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$63.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6400.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXL ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XXXX XXXX Balance : {$410.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and noticed I had a collection from XXXX XXXX XXXX ( original creditor XXXX XXXX ) that was opened on XX/XX/year> with account number starting with XXXX in the amount of {$500.00}. This collection does not belong to me and I am not liable for this debt.
Product: Debt collection

I received a Collection Notice in the mail for an amount of {$3500.00} from Phoenix Financial Services LLC dba Indiana  XXXX   XXXX   XXXX . Phoenix said they were contracted by  XXXX   XXXX   XXXX   XXXX   XXXX . Phoenix assigned an Account #  XXXX . They offered in their letter to provide a discounted settlement of {$2500.00}. There is no reference to where this originated and prior to this I have never seen a bill from a Hospital or ER for any type of Services this size. Also, I have had insurance for years and again have never seen a bill for anything this size.     I am building a new home and working with my Mortgage Company,  XXXX . I had a low  credit score  from  XXXX  and when I asked  XXXX  what was being shown that I owed, they referenced  XXXX  Account numbers from  Phoenix Financial Services. Phoenix had  split the {$3500.00} and showed it as  XXXX  derogatory reports to  XXXX .  XXXX  for {$1000.00} and the other for the {$2500.00} which they keep adding interest too. They claimed they were making a deal with me to pay less but in fact they had split the amount into  XXXX  Accounts  XXXX  and  XXXX . I believe these are false charges. My insurance would have paid any claims. I saw online that this same group o f Phoenix Financial Services a nd  XXXX   XXXX   XXXX   XXXX   XXXX  have scammed other customers and ruined their credit to make them pay something they never owed in the first place.  One  customer stated " When I received the " original charge '' fro m Phoenix Financial Services, I found that Phoenix ha d obtained my information from  XXXX   XXXX   XXXX   XXXX   XXXX , including my name, credit card number and social security number. I then checked my records for the  XXXX / XXXX / 2013  emergency room visit and found that I had paid the {$65.00} at the time of service. The charge on my credit report was false! ".     This is what I believe has happened to me. I do not owe this money. I believe that  XXXX  is to blame and is in this wi th Phoenix Financial. Phoenix th en split the charge  XXXX  gave them and reported me to  XXXX  and I am not sure if they have to anyone else. They created  XXXX  Accounts and acted like they were doing me a favor by charging me less while not notifying that they have also reported the {$1000.00} they were claiming to give me off as another delinquent charge.     Should I call them? I was instructed by my Mortgage Company to contact CFPB first. This is a scam that has hurt my credit. The removal of these  XXXX  charges would move my  Credit Score fr om  XXXX  to  XXXX . That makes a huge difference in what I qualify for. Can you please help me! My name is  XXXX   XXXX . My email is  XXXX  XXXX  XXXX  and my  Mobile  number is  (   XXXX  )  XXXX .
Product: Debt collection

The company Conserve has been calling nonstop every day. I have told them to remove my number as I am not the person they are looking for. They hung up and are calling from different numbers. I have no debts and a perfect credit record.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan 4 months ago. Was denied by the company. On XX/XX/XXXX, I received call from someone who said they were with Lending Point company that I applied with. The man said I was approved for the loan. I gave them personal information such as bank account number, routing number ( XXXXXXXX XXXX ) and copy of my drivers license. The guy sent a {$2600.00} payment to my credit card associated with my checking account. The guy said I had to transfer the money to my checking account and then send the {$2500.00} back to them via a XXXX XXXX I told the man I dont use XXXX XXXX. He then said to send the money to XXXX XXXX. I told the man i dont use XXXX XXXX. The guy then said I had to go to the ATM withdrawal the {$2500.00}, go to XXXX and the guy said he would send me a XXXX XXXX and the people at XXXX would then send the {$2500.00} back to him for the verification process and he said that after its verified the man would deposit {$5000.00} for the amount of the personal loan I applied for into my checking account. I kept questioning him and refused to do what he said. I hung up called the company and they dont have a loan for me. I told the man to stop calling, textin, and emailing me. I reported it to my bank, my credit card company, and have blocked all numbers associated with that man. Then the man threatened me with legal action and that they would sue me for the {$2500.00} that they sent me. The REAL lending point company told me that this was a scam and to report it to my bank, my credit card company, my credit report. Etc. I have done so. 
The man said all the right things for the loan process but after he sent me the {$2600.00} payment to my credit card and to send {$2500.00} back, I know I had been scammed. 
The man also said that he would reimburse me for gas for having to go to XXXX to complete the loan application and verification. 

The mans contact info is as follows : Name : XXXX XXXX ( listed on his email ) Email address : XXXX XXXX XXXX Phone numbers : XXXX and XXXX ( text from both numbers ) Called from : XXXX, XXXX, and XXXX. 

Have told them to stop calling, stop texting, and to stop emailing me and to leave me alone.
Product: Student loan

My loan is with Navient. 
When I was financially stable I set up a generous monthly auto-payment plan ( {$170.00} ) to lower my overall debt and keep interest down. I paid this amount for several months, but when I enrolled in school gain I turned off the autopayment and went into deferment until I finish school. 

Despite canceling the autopayment I was still billed. 

Their last withdraw put my account into the negative. 

I called the company, they said autopayment had been deactivated, and after i prompted them to look at my recent payment history they acknowledged their fault and said that they would refund the money, which they never did. 

This happened several times, I even deleted my debit card from my navient account payment methods and was STILL billed. They give me the same story each time : Navient : You are not on autopayment Me : Then please review the recent payment on my account Navient : Ah, I see. That is strange. We will resolve this and refund your money. 
Me : I will not be billed again, correct? 
Navient : Correct, we apologize for the inconvenience, I dont know how this happened. 

The last time I asked for a written document stating I will not be billed, which they said would arrive here by the XXXX ( call was on the XXXX ) today is the XXXX and I have not received a formal letter or refund.
Product: Credit card or prepaid card

On or around XXXX, XXXX, I applied and was granted a XXXX credit limit with American Express and transferred another credit card balance less than XXXX. Since then, I have made the minimum payment plus interest each month as indicated on my account. 
On or around XXXX XXXX, I forgot to make my monthly payment to American Express and have was fined a late fee of {$38.00} thus making my payment due immediately of {$62.00}. On XXXX XXXX, I received a phone call from a CSR from American Express to remind me of my payment due, to which I agreed to pay once I arrived home. Upon logging in to make the payment I noticed my credit limit decreased tremendously from XXXX to XXXX. I then called American Express to obtain verification to the change in credit limit and was informed that the change was not set in stone and that I can appeal to reverse the changes. The CSR rep was confused as to why my credit limit was decreased quoting that " he has seen other accounts in way worse condition, and should not have happened and the reasons they gave are questionable ''. I was then transferred to the Responsible Lending Department. Apparently, the Responsible Lending Department issued a change due to the FICO credit ( XXXX ) and the payment each month to balance were to high. I owe {$2200.00} which does not reflect the monthly payment made of {$62.00} that includes the {$38.00} late fee. After speaking with the Responsible Lending Department representative, he informed me that my option are to pay {$1100.00} between XXXX XXXX and XXXX XXXX and it would be best to use the card more often. According to my math, this is means paying appx {$340.00} per month. The Responsible Lending Department representative reported that my options are to make the payments or complete the document option which requires going over my financials. I am puzzled at their tactics in attempt to bully me into making a {$340.00} payment when the monthly payment amount does not reflect what the Responsible Lending Department representative stated is within their policy. I asked the Responsible Lending Department representative about the appeal/reverse option to which he stated the two options mentioned were the only ways to reverse my credit limit decrease. If I had known that not maxing out my American Express card would result in them bullying me and holding my credit limit for ransom I would have sought out other prestigious credit cards elsewhere.
Product: Credit reporting or other personal consumer reports

Hello, Im XXXX XXXX and I am reaching out today because Experian is still reporting inaccurate information on my consumer report. The alleged debt has been written off by company XXXX XXXX and was charged off. The collection account has been written off a a bad debt which uses a 1099-c Cancellation of Debt by company and myself. I ask that you verify this with Experian and XXXX XXXX. 
According to the FCRA and FDPCA, its illegal to try and collect on a debt that has been written off on company taxes. It also governs the accuracy, fairness, and privacy of information.
Product: Checking or savings account

Navy Federal Overdraft my account for fees I didnt know I was- {$5000.00} in overdraft fees and when my payment went through all the money was used on overdraft fees
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for unlawfully re-reporting a previously disputed and removed account on my credit report. This action violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), which requires credit bureaus to notify consumers when reinserting a previously deleted account. 
I previously disputed the XXXX XXXX  account with Experian due to inaccurate reporting, and it was removed from my credit report. However, without any notification or new supporting documentation, Experian reinserted the account, harming my credit score and financial standing.

This action violates FCRAs reinsertion rule, which requires : - A written notification to me within five business days of re-reporting. 
- New verification from the data furnisher before reinstating the account. 
- Proper documentation to support the reinsertion, none of which has been provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that the court house do not share any information with trans union or do they have any information to provide on my behalf. 
I believe these accounts, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and bankruptcies dated XXXX XXXX and XX/XX/XXXX on my file may be an inaccuracy and a validation or removal of them would provide me with the understanding.
Product: Bank account or service

I was recently scammed and Bank of America is holding my liable for the sum of {$47000.00}. They closed my accounts and took all of my money in checkings account and savings account even after explaining to them that i was scammed. I have no money to my name and no way of paying this amoung.
Product: Credit card or prepaid card

My ID and phone were stolen XX/XX/XXXX. A police report was filed and on XX/XX/XXXX I notified Capital One that my card was stolen. Capital One has concluded their investigation and determined there was no fraud and is unwilling to address the issue further. Meanwhile, my account balance has increased by roughly $ XXXX.