23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

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

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Bank account or service

In XXXX XXXX, my mother and I closed on a refinance on her property. Since then a lot has changed. The mortgage was sold to TruHome without any notification to either mother or myself. There was also a Hardship Application we could file in case of hard times. Now TruHome is refusing to follow through with the Hardship and wanting to scam or steal the property my mother has lived in for over 50 years. They say I now do n't have anything to do with it and my loss of employment will not count on the Hardship Application. The person I talked to on XXXX XXXX, XXXX stated they just received the Hardship Application when I have proof in print that the paperwork was received by that same office on or before XXXX XXXX, XXXX. It is clear that they are lying and are clearing trying to take the property for no reason but for their own profit with no regard to the XXXX XXXX XXXX woman in not good health on the street.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ndendeavor 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple XXXX  FEES & overdraft fees I have occurred. Despite having sufficient funds when transaction were authorized. I was charged fees, due to lagged posting of charges & credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. Were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 USC 1681. 

Account name : XXXX, Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX, XXXX, Account # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

As of XX/XX/2021, interest rate on Chase " Slate Credit '' card will be 29 %. Why is this legal when " 0 '' interest rate is what interest is for Banks as of last report from Treasury. 
This is absurd to bulk Consumers for this high of interest on a credit card when Chase bank pays '' 0 '' interest rate. 

Is there no control or protection for Consumers?
Product: Credit reporting or other personal consumer reports

I am concerned about my consumer report. There have been numerous attempts to obtain credit without my consent. Please place a fraud alert on my account. No one should open an account without contacting my number : ( XXXX ) XXXX Please delete the fraudulent account that arose from identity theft. XXXX XXXXXXXX XXXX. As well as rhe inquiry XXXX XXXX placed on XX/XX/year>. I did not request credit from this company. Thank you for your time in this important matter.
Product: Mortgage

I have my mortgage with Carrington Mortgage Services , LLC . I always make the mortgage payment within the month it is due, and accept the late payment fee of {$30.00} if I pay after the XXXX. On XX/XX/2023, I tried to make my XXXX mortgage payment online of {$1500.00} + the {$30.00} late fee. When I tried to make the payment online on the XXXX, I kept getting an error message from the website stating the payment could not be processed. This had nothing to do with my bank, as I had plenty of funds available in my account at the time. I tried to call their customer service line, but it was a XXXX  night, and they are not available. I called the company on XXXX, XX/XX/XXXX in the morning, and stated the issue I was having. I was told by a representative ( on a recorded line ) that it was my fault for not paying the mortgage sooner within the month. The representative also stated that they don't process payments on XXXX. They said that the payment is processed the next day, so I would have been late either way. I know this is not true, as I have made payments previously on XXXX, and they process that day. XXXX reported my payment as 30 days late to the credit reporting agencies ( XXXX, XXXX, and XXXX ), and my credit score dropped almost 100 points immediately. I filed a complaint with the company, and they told me they would look into their online system. They can see that I logged in that night ( XX/XX/XXXX ), but they said their system was processing payments, and it was my fault. Their system would not process my payment, and it was their fault. I have worked hard to maintain a credit score above 750, and had no issue doing so until Carrington 's online system would not process my payment. I would like the 30 day late payment to be reversed with the credit reporting agencies, as I know they can do so ( I am in the mortgage industry ). Please advise of my next steps.
Product: Credit reporting

Pulled credit report XXXX 2014 and saw XXXX Collection Account ( for XXXX ) that I was unaware existed. Had moved XXXX and guessing that 's why I did n't get final bill. On XXXX XXXX, 2014 at XXXX ( sitting in Hotel in XXXX TX ) spoke to Billing Dept. XXXX. Was told that to clear collection would need to pay {$220.00}, this I did using my debit card. Rep on phone stated computer issues and payment may not post until XXXX/XXXX/14. Payment indeed presented to my bank and was showing paid on XXXX/XXXX/14 to the XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX both deny receiving payment. Tried to lease apartment for job purposes and was denied due to this still showing on my credit report. My bank traced the payment to the XXXX XXXX as noted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan from XXXX XXXX & XXXX is on my Equifax credit report. First I have never missed a payment, and second it still is being reported as open when the account shows a {$0.00} balance. The account should be closed and the accurate payment history should be reflected.
Product: Debt collection

I don't know what else to do. Bank of America is reporting a fraudulent item and this is causing me high levels of stress. 

I am writing to demand Bank of America to remove the following item of my credit bureaus : Bank of America account # XXXX, opened XX/XX/2016. Closed XX/XX/2016. Limit {$300.00}. Balance {$0.00}. Status : closed. 

I tried to solve this issue with the company. I sent them a dispute letter demanding this item to be removed. They did not investigate or even mark the account as disputed. I am aware that these are two violations under the FCRA and also reporting an account related to fraud. I am a victim of fraud. The account began a negative status when fraudulent charges were made. 

I am demanding Bank of America to send a notice to the three major credit bureaus to remove this item from my report, and provide me with a deletion letter for my records.If they fail to do so, I am willing to take this to the next level. I am sure that once I talk to my attorneys, the list of violations will go up and I will let the decision in a judge 's hands. 

Thank you. 

See attached : letter sent to Bank of America, fax confirmation, FTC report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and discovered accounts reporting that I do not recognize.
Product: Credit reporting or other personal consumer reports

I have previously filed a CFPB complaint and dispute with the credit reporting company ( Experian ) on XXXX regarding inaccurate accounts on my credit report. Experian credit reporting agency responded on XXXX. In response to my dispute and complaint, Experian stated, that the account on my credit report was verified and accurate. However, not only is that determination inaccurate, Experian DID NOT address nor resolve my initial complaint which initials the accuracy, process, and method used to verify the account on my credit report. 

Therefore, this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency provide the method of verification for item disputed in my recent compliant. Under the fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : 1.The source ( s ) of the information used to verify the disputed items. 2.Documentation or evidence supporting the verification. 3.A detailed explanation of your verification process. If you are unable to provide this, I request the items in question be deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of several unauthorized hard inquiries from my credit report. The inquiries in question are as follows : XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX card inquiry dated XX/XX/XXXX XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX inquiry XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 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 USC 1681. 

XXXX  XXXX : # XXXX XXXX XXXX. XXXX # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX have 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

As of approximately XX/XX/XXXX, Coinbase placed these restrictions on my account and I still can not deposit or withdraw my money. I've had my Coinbase Account for over 4 years, however I recently decided to in

vest more of my money into crypto/the account. I was only able to transfer a portion of my money into the account before they placed " restrictions '' on my account, stopping me from depositing or withdrawing money from my account. I have contacted them many times over the past 2 months about these restrictions, but have not received 1 ) a reason for why they were placed on my account and 2 ) an accurate date on when I would be able to regain access to these functions. Of the many times I have contacted them ( via phone or their chat service ), they have required me to answer several rounds of questions ( often the same questions ) detailing the purpose of my use of their platform AND to provide them photo identification. I have provided them my Driver 's License and Passport twice. Despite the amount of times I've contacted them and provided them the requested data, they're still not giving me insight into when I can access my account. What's made the situation worse is that in one instance of communication on XX/XX/XXXX, I was speaking with their automated system and received a very shocking response. It informed me that " Unfortunately, Coinbase has determined transactions with bank accounts are permanently disabled for your account. For security reasons, we can not disclose the reason. But don't worry, to continue making transactions, you can add a different payment method. '' I immediately called in to Coinbase Support, created Case # XXXX, and went through two more rounds of questions and another photo identification. I still have not received word on accessing my account.
Product: Mortgage

I have had a very difficult time with Ditech. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ditech always seemed to lose my paper work, which I constantly had to re fax. The assigned rep never tried to help me or offer me a modification. She pushed me towards a payment plan or settlement with the back payments and then Ditech back doored me with a sale date. This poor servicing has caused me to file a bankruptcy. Ditech never told me I could not make partial payments while in foreclosure. They completely mislead me.
Product: Credit reporting or other personal consumer reports

I awoke this morning not expecting that an inaccurate public record information would be reporting on my credit report. I have no idea why this is happening so please take a look as the documents I've sent.
Product: Money transfer, virtual currency, or money service

Pay Pal and I settled on a debt with an attorney. I had closed my account in PayPal. I had over paid initially as I did not know how much we would settle for. They returned my overpayment to a former Pay Pal account that I NOW can not access. I can not get a " live '' person to return my money. I can not get into this account. I 'm unable to access any way to get my refund. I need help! Below is the copy of the statement PayPal sent to me via my email. I called the number offered on the bottom of the email and was sent to the collection agency, who in fact, told me to call PayPal. It 's going back and forth. Meanwhile they have {$750.00} of mine that I can not access. 

Hello XXXX XXXX XXXX, We thought you 'd like to know that we 've added a credit to your PayPal account. 

Credit date : XX/XX/XXXX Amount : {$750.00} USD View more details If you have any questions about this credit, click Contact near the bottom of any PayPal page, and we 'll be happy to help. 


Thanks, PayPal Help Center | Resolution Center | Security Center Please do not reply to this email. To get in touch with us, click Help & Contact. 

Copyright XX/XX/XXXX-XX/XX/XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX born XX/XX/XXXX, in XXXX XXXXXXXX XXXX information was stolen while XXXX  From XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN ) credit reporting agency, remove these accounts is the result of identity theft and fraud, remove all listed inquires and accounts within 4 business days of you receiving this complaint. 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 remove this address.These inquires and accounts have resulted in several fraudulent activity appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number :, XXXX ) XXXX XXXX Police Report XXXXXXXX XXXX XXXX XXXX and proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.