23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules .

I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting or other personal consumer reports

This is another complaint that I'm filing against Experian. I wrote XXXX letters to Experian, and I didn't get a response from them. The first letter was sent was on XX/XX/XXXX, and Experian received the letter on XX/XX/XXXX. After I didn't receive a response from Experian, I sent them another letter on XX/XX/XXXX and Experian received the letter on XX/XX/XXXX, XXXX is XX/XX/XXXX, and I have yet to receive a letter or response from Experian. I ASKED EXPERIAN TO ACCURATELY VERIFIY A LATE PAYMENT FOR : XXXX : ACCOUNT # XXXX FOR THE MONTH OF XX/XX/XXXX. I CONTINUE TO ASK FOR PROOF BUT EXPERIAN CONTINUES TO IGNORE ME. I'M ASKING EXPERIAN FOR THE 3RD TIME TO INVESTIGATE AND PROVIDE PROOF WITH BANK STATEMENTS SHOWING THE PAYMENT FOR XX/XX/XXXX WAS LATE. IF PROOF CAN'T BE PROVIDED, I DEMAND THIS PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. Also, for XX/XX/XXXX and XX/XX/XXXX there is no data. Please correct this and make the payments for XXXX and XX/XX/XXXX on time. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This proves when I paid on time. Anything other than documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this proof, there's no legal VALIDATION. In XXXX XXXX XXXX XXXX, XXXX opinion was that the credit bureaus can not put the burden of proof of the consumers to verify. It has to come from the data furnisher, it has to come from the credit bureaus. It can not come from me.
Product: Payday loan, title loan, or personal loan

On XXXX-XXXX-2017 I received a loan from Big Picture loans in the amount of {$320.00}. I was not informed of the apr of 598.3962. I was informed that there would be a finance charge of {$140.00} not that I would be paying over {$1700.00} in total payments, and that I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.
Product: Debt collection

I am not familiar with this company I have been in XXXX where my identity was compromised neither did I authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX CO XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX 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 XXXXXXXX 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 consent.
Product: Debt collection

I called adastra recovery services because I recieved a scam call claiming to own the loan. Ad Astra reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to ad Astra and there quality control Specialists they then sent the debt back to XXXX XXXX " the original debt ''. XXXX XXXX did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because XXXX XXXX said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters and filed disputes with Experian and XXXX about a collection. XXXX XXXXXXXX is saying I owe a debt for a medical collection. I have requested the company XXXX XXXX to provide the original HIPPA release form and/or the original signature for this MEDICAL bill. They have yet to provide it. I asked have in XX/XX/2021 XX/XX/2021 XX/XX/2021 and XXXX and XX/XX/2021 I have also filed a complaint with XXXX XXXX.
Product: Checking or savings account

I had yet another incident with Regions bank last Friday, XXXX. I had until XXXX CT time to deposit money into my account prior to XXXX CT before I incurred an overdraft fee. I deposited money at XXXX which would have been XXXX CT time and I was still charged OD fees. This happens all the time and when I call the XXXX number, the rep is counting military time. This is not the first time this happened, it happens often. Is there a glitch in the system? Why is it offered to make a deposit before XXXX CT, I do, and you charge me a ridiculous amount of fees. I would like someone to actually look into this because it is not right! 
I do not want anyone to read the disclaimer or to tell me turn change my OD protection, that is the obvious. I feel like when I contact Regions, my concern is always deflected, and the disclaimer is read to me. I know my account is in overdraft, I am a XXXX working and have lots going on. It does not mean that the bank can continue to charge me OD fees and no one can explain the fact that I am charged fees continuously. 
Also, I have found that Region 's customer service reps are not helpful, nor are they professional. I am very disappointed, and until this matter is resolved, I am not depositing anymore money. I am tired of it. I am not in a position where I can be charged over {$400.00} in overdraft fees each month.

I will be going to the media about this and share my negative experience with Region 's in my community.

I have only met 2 true professionals working at Region 's, perhaps you should hire more qualified people or people who actually have the skills to talk to other people in a professional manner!
Product: Checking or savings account

To whom it may concern, Capital one failed to protect and defend me as a client. I disputed a claim against a dentist for failure to complete dentistry work. I paid {$7300.00} from my capital one account for a service that was left incomplete. I called the dentist on XX/XX/21, to schedule a meeting to complete dentistry work. This was my first attempt to rectify things with XXXX  giving him the chance to make things right. On XXXX, at XXXX ; XXXX, The dentist called me back and asked me to come back to his office on XX/XX/XXXX. I arrived at his office on the XXXX. At this appointment, he put on a temporary crown and did a new mold for my teeth. The dentist took pictures of the tooth/teeth and said he would send this new mold to his lab and request a new crown. ( He did not do this. ) I instead was left to follow up with urgent care, another dentist, and soon a root canal specialist due to the work the original dentist ( the individual Im contesting against ) left undone. On XXXX XXXX, an Emergency root canal therapy ( XXXX ) was performed, to save the dying tooth. They took off the temporary crown, completed the XXXX, and told me to follow up with XXXX  for the permanent crown to avoid further complications. On XXXX XXXX, I called XXXX XXXX office several times to finish the permanent crown and address the misalignment. When I first called, it went to voicemail. The second time I called, there was no option to leave a voicemail. I tried calling from my second number, and that's when his office answered my call. They would not answer my calls from the phone number they had on file. At XXXX XXXX XXXX came to the phone, I informed him of the emergency root canal and stated that I needed my permanent crown. XXXX accused me of being a liar and said my tooth was not infected and there was nothing wrong with my teeth. I told him about the issues with the veneers. I told him the veneers required fixing ; they needed correcting for my bite and jaw. He continued to scold me, yelling, " You're a liar, there's nothing wrong with your veneers, you loved them, you were smiling in my office. '' At this point, I had no other option but to file a claim to dispute the charges. On XX/XX/XXXX, I went to XXXX XXXX 's office. I made an effort to give him a 3rd opportunity to make things right. I hoped that we could come to a resolution and complete the dentistry work. At his office, he continued to scold me in the lobby of the building, saying, " I don't have time for this ; you're wasting my time. '' I told him if he had no intentions of finishing the job, he should return my money. He said he wouldn't do that. He later sent his assistant to the lobby to offer me a refund, but he refused to refund the total amount. On XXXX, his assistant gave me a document refunding me {$1300.00}. Seemingly acknowledging incomplete dentistry work. XXXX  failed to complete the full service required of him.
Product: Debt or credit management

I had small collections from Phoenix Financial and I paid them 2 years ago in a lump payment. Phoenix Financial reported to my credit report 6 months ago the entire amount. I called for billing details because I have had no new hospital debt. They have not sent this information and have now sold this to another company as a new debt. All this is beyond 7 year time of service.
Product: Vehicle loan or lease

Yes car hop sold me a XXXX. Dollar XXXX XXXX XXXX for a XXXX dollar loan threw XXXXXXXX XXXX which I've been paying on since XX/XX/XXXX they sold me a tore up car interior exterior all paint messed up had to tape rear view mirror on when I got the car they never cleaned inside of vehicle dog hair dirt when I got it they overpriced me for car they treated me like a piece of XXXX I deserve what I pay for they took advantage of me and ripped me now I'm stuck with this vehicle can't trade it in no dealership will take also dealership I went to even said car hop ripped XXXX
Product: Checking or savings account

Hello I have a PayPal account with XXXX dollars on there and they wont let me transfer the funds off claim there was limit placed on my account permanently saying somebody else tried to access my account but never did my email XXXX they opened a case on the XXXX never told me any updated until I called them and they claim they sent a email I just want my funds off this account and nothing to do with them anymore PayPal is the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account XXXX XXXX XXXX XXXX  ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from XXXX  that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.
Product: Checking or savings account

BBVA Compass Bank always hold my transactions over the weekend and do not post my payments until Tuesday or Wednesday of the following week ... when they do that it cause my account to be negative and they charge me {$38.00} for each amount that they post to my account ... however the money was already paid out but they are holding my transactions ... they are trying to say they are paying these charges for me and they have to charge me all those fees ... this is not true because not any of the payments were returned NSF ... its a scam they do this on all my direct deposit of my payroll ... this has been happening bi-weekly since I opened this account in XX/XX/2018 2018
Product: Debt collection

The company Indigo called my place of employment and told my employees that they have legal documents for me and that they need to get in contact with me. They left a number with the attendant to have me call them back. When I called the person switched me to my case manager who tells me that in XXXX I applied for a card and stop making payments and asked what was the reason. The person then continues and says that I defrauded this company for {$740.00} and that legal actions is being taken against me. He ask me what actions do I want to take to resolve the account. I responded to him that they are not supposed to be calling my place of employment. I requested his name which was XXXX XXXX. His number which was XXXX. I told him Im documenting the day of XX/XX/XXXX as the day this happened. I also documented the name given to my attendant which was XXXX and the number is XXXX. I told the man on the phone that Im going to take legal action. They called my place of employment as a scare tactic to force me to pay. In doing so, now have my employees gossiping about my legal issues which damage my reputation as a manager. Im hoping I still have a job after this. All for {$740.00}.
Product: Checking or savings account

On XX/XX/24 I received an e-mail from Citibank that my current bank account was transitioning to an enhanced account, implying that it was better for me ; in fact, the terms are more onerous and I was notified that the change was going to happen automatically. I asked for a comparison of my current terms versus the new ones, but was notified that they didn't have that information available. This e-mail was purposely misleading and pretended as if this was beneficial to a customer, when this is far from true.
Product: Credit card or prepaid card

Two charges for XXXX shipments appeared on our Bank of America  XXXX XXXX statement which we did not authorize ( {$530.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX ). We informed Bank of America of the fraud. They removed the charges and cancelled the VISA card. On XX/XX/XXXX they wrote to us saying they did not approve our fraud claim and that they " confirmed the charge was made by an authorized person on the account. '' In phone conversation with B of A we asked that they send us copies of the information that lead them to this conclusion. We never received this information. We wrote them asking them to reopen their investigation. They agreed but denied our claim, giving the same reason.After we reported the fraud, we received a copy of the invoice for one of the shipments. The invoice and the air waybill associated with it showed that the package was picked up in XXXX XXXX, XXXX, signed by someone named XXXX XXXX to XXXX, XXXX. We live in XXXX XXXX, XXXX and know no one named XXXX XXXX nor anyone in XXXX. The invoice has one of our names and address correctly, but the phone number and e-mail address are not ours.We have filed a police report ( XXXX no. XXXX ) of this fraud. We sent all this information to B of A, but they still denied our fraud claim. They have never given us any specific information about their reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the inaccurate Personal information as well as the remaining unauthorized inquiries reporting on my Credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information reporting on my Credit report. I have been sending dispute lettesrs to the Credit Bureaus and have been waiting for their response and yet I received nothing! I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. If it is not too much to ask for, I want the following items removed from my Credit Report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has continuously reported this account inaccurately on my credit report. Everything is about accuracy, and if this account is not deleted immediately, I will sue XXXX XXXX XXXX XXXX for statutory damages. Under 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), I can seek damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt. According to IRS Publication 4681, a charge-off may result in cancellation of debt ( COD ) income, which may imply that the debt was forgiven. If the debt was indeed forgiven, it is inaccurate and misleading for it to continue to be reported as a charge-off on my credit report. By LAW, this account is no longer considered debt, instead is considered income as per IRS laws, this account is reporting inaccurately and must be deleted immediately. 
This means, XXXX XXXX XXXX XXXX received a tax break from this charge-off, which means that XXXX  XXXX XXXX XXXX owes me a 1099C and if I do not receive my 1099C for this debt, I will report XXXX  XXXX XXXX XXXX to the IRS for tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX # 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
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX refuse to remove missing or late payments on closed accounts in addition to not removing the information on a closed account they are unwilling to take off report information such as late payments on closed accounts written off accounts charged off accounts from creditors it is very unlikely that four things are occurring and being reported on my credit the account can not be past due charged off written off and late payments from 5 years ago.In accordance with the fair credit Reporting act XXXX Account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
540In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.