23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MEDICAL DATA SYSTEMS is attempting to collect on a medical debt that is not owed. There is two separate accounts that are currently in collections with them. I am a veteran and only seek medical attention from the VA. I am unaware of the amount due, and the bill does not include a detailed breakdown of any fees. Furthermore, I am allowed under the HIPAA law Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall permitting 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 twofold : Validation of Debt and HIPAA authorization. Please provide a breakdown of fees, including any collection costs and medical charges. Please provide a copy of my signature with the service provider to release my medical information to you Immediately cease any credit bureau reporting until I have validated the debt with MEDICAL DATA SYSTEMS I Please send this information to my address listed above and accept this letter, sent by certified mail, as my formal debt validation request. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will violate the FDCPA because you will be deceiving me after my written request. I am requesting complete documentation of what you received from the service provider regarding this alleged debt. Furthermore, any reporting of this debt to the credit bureaus before allowing me to validate it may violate the Fair Credit Reporting Act, which can allow me to seek damages. Original creditor : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Original balance {$1700.00} Original creditor XXXX XXXX Account number XXXX Balance {$3600.00}
Product: Student loan

I spoke with " XXXX '' on XX/XX/XXXX about my Student Loan through Nelnet. This was after several call and emails starting in XX/XX/XXXX about " my Loans being x days behind '' despite the Student Loan payment suspension until XX/XX/XXXX, the most recent notice is that I am 90 days behind which would indicate I haven't made a payment since XX/XX/XXXX, which is during the Covid payment suspension extension passed in XX/XX/XXXX. 
The main issue with this is that my Loans were claimed under hardship in a XXXX XXXX bankruptcy in XXXX. Nelnet was informed of this is XXXX, they have records confirming this. When I spoke to XXXX today ( and after a little research on XXXX 's end ) I was told that the Guarantor on this account ( my Bankruptcy trustee ) shows the debt as paid in full, but Nelnet re-purchased my Loans and made them active again? or that because the Guarantor shows them as active accounts they can still collect on them, despite being paid off? I didn't really get a clear answer, however I was told that either way I needed to prove they had been paid off or be put on an IDRP.. which in my opinion isn't my responsibility because Nelnet was informed when I filed bankruptcy, informed again by Phone when they called me in XXXX and the Agent confirmed the bankruptcy, were informed when said bankruptcy was discharged and they only started calling me AFTER it had been discharged... If they can see the Loans are paid off in bankruptcy, how is it legal to attempt to collect it AGAIN from the Student.. during a payment freeze?
Product: Credit card

FNBO claims that autopay can not be setup after a statement has been generated. XXXX was setup XX/XX/year> with payment due XX/XX/year>. FNBO 's system did not process the autopay, which caused a {$29.00} late fee and about {$18.00} in interest. 

FNBO 's system deviates from industry standard, and is harmful and damaging to consumers.
Product: Checking or savings account

Approximately one year ago, I went to the XXXX XXXX, California branch of Bank of America to cash a check and open a new account. I waited in line with the rest of the customers as the branch was just opening for the day. The branch was under construction and there was line that was forming. I went to the teller and presented my check which was also from Bank of America in the amount of {$5000.00} from XXXX XXXXXXXX XXXX The check was part of a work related injury settlement. I went to the branch with my two forms of identification including the actual invoice or payment stub and original envelope. The teller went to the manager for an approval. The manager looked at the check, looked at me and shook his head " no. '' I asked the teller the reason and she had none. The branch manager shook his head and I was so embarrassed I left the branch with my friend who was with me. He was XXXX  and I am XXXX XXXX. He was assisting me at the counter because I am XXXX XXXX and was nervous having so much money even in check form. I asked him to accompany me and he witnessed everything. I left the branch and took the check to XXXX XXXXXXXX XXXX  who cashed the check and gave me a little money from the check according to regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

I received a credit card offer from XXXX in the mail for my XXXX year old XXXX XXXX son. I have previously reached out to all three credit bureaus about his age and requested no report or frozen report be established for him.
Product: Mortgage

I have a XXXX Homestyle Renovation Loan being serviced by imortgage in XXXX, AZ. I had the mortgage company required consultant submit the third and final draw request complete with all of the documentation for the draw on XX/XX/XXXX and it was received by imortgage according to an agent I spoke to, XXXX XXXX, on XX/XX/XXXX and he said he would process the checks. This money was to pay the contractors who had finished work on my house two to four weeks before. On XX/XX/XXXX, I received a call not from imortgage but from an appraiser that originally appraised my house stating that imortgage wanted an appraisal by XX/XX/XXXX. As I was on vacation in XXXX, which was known by both the agents I dealt with at imortgage, and was not due to return until XX/XX/XXXX, I immediately contacted XXXX XXXX, the loan administrator at imortgage to express my dissatisfaction for this unnecessary delay to the release of my contractors funds. He said he was not going to release these funds even though the documentation was complete for him to do so. ( The XXXX previous draws have been released with the same information. ) While there is a requirement in this loan for a reappraisal before the final distribution of any remaining contingency funds and the loan is closed I believe XXXX XXXX, is committing fraud by claiming that he can hold these draw funds intended to pay my contractors until a final appraisal is completed. 
While I contacted several XXXX complaint operators, as they are the ones who own my loan, they said they could not help me because they do not enforce the requirements on the lenders only on the customer. 
I will be contacting my Senators and Representative concerning XXXX 's lack of customer service as this is the type of practice that got them in trouble XX/XX/XXXX. I 'm hoping that yours is not just another government waste of time and will actually do what your mandate implies..
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES UNAUTHORIZED & UNVERIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely an effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These acts have caused significant inconveniences and financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage.  XXXX  financial services said there is nothing they can do I have filed a dispute with   XXXX   and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint # CFPB XXXX Regarding Erroneous Reporting to XXXX and Experian Dear CFPB, I am writing to follow up on a report I submitted to you on XXXX XXXX XXXX, under complaint number CFPB XXXX. The complaint detailed erroneous reporting of an account associated with my social security number ending in XXXX to the credit bureaus XXXX and Experian. I would like to address a serious issue with the investigation process and request further action regarding this matter. 

According to my original complaint, XXXX XXXX is erroneously reporting an account under my name and social security number, even though I have no knowledge of this account and it does not belong to me. After submitting my complaint, I was informed that a verification process was conducted, which confirmed the account as valid. However, this verification appears to be based on an erroneous or fraudulent investigation, as I have no such account. 

In addition, when the CFPB reached out to XXXX XXXX, they responded by stating that the account does not belong to me. If this is indeed the case, I fail to understand why the account is still being reported to both XXXX and Experian under my name. Despite this clarification from XXXX XXXX, the account remains on my credit reports, which is damaging my credit and causing me unnecessary distress. 

I believe the current situation is a result of incorrect or negligent handling of the issue, and I request that the erroneous account be deleted from my credit reports with immediate effect. It is vital that accurate information is reported, and I believe XXXX XXXX has failed in its duty to correct the mistake. 

As a result of this ongoing issue, I am considering pursuing a consumer civil suit against XXXX XXXX for the damage caused to my credit and for failing to remove the fraudulent account after acknowledging the error. 

Please advise me on the next steps I should take in order to resolve this matter. I am seeking a prompt resolution and would appreciate your assistance in ensuring the erroneous reporting is corrected and removed from my credit reports. 

Thank you for your attention to this matter.
Product: Debt collection

Truist bank is saying I have an account with them and i do not! it looks like the account was actually opened up with light stream in 2020. I asked them to send me a copy of the contract which they did and the signature of both me and my husband that they have recorded are not ours. I do not recognize this account. This is not my account, we never opened up this account we never used the funds. The account is negatively reporting on our credit. I have told the company several times we do not recognize this account. Its fraud. They continue to ignore us. I would like this closed and remove from our report since it is not ours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit reports from the three agencies through the Annual credit report website. I input my information but due to issues unknown to me the sites failed to produce the reports. I have done this years before without an issue. My credit score dropped 45 points since XXXX this year. Now I can not access my information to see why my score dropped. I get my score from my banking web site for free. There is no process of getting the free reports from them, to figure out why the score dropped. The credit agencies do not have a direct phone line to call to remedy the issue.
Product: Credit card or prepaid card

In XX/XX/2021, I changed my checking account. I thought I had set up automatic payments to this account. However, in XX/XX/2021, Synchrony Bank contacted me to inform me that my payment did not go through. To ensure that the correct bank account was set up for automatic payment, I went online to their portal to ensure I made a payment manually and to double-check that I had the correct account on the autopay. A few weeks later, I was charged two late fees. I had made my payment on the due date as Synchrony Bank had requested. So I know I was not late nor should I have been charged twice. I am attaching a letter showing the accounting error. Because I requested the second late fee be removed as well, they ran an automatic review of my account, which pulled the wrong information as my credit was at XXXX for the last two months as I check it weekly on XXXX XXXX. They lowered my credit line using incorrect information. I have attached a credit report as proof of this and a letter showing they used the wrong credit report.
Product: Debt collection

XXXX XXXX has reported this fraudulent account to credit bureaus. They account has been deleted several times and it was reported as fraud. I submitted a police report and all support documentation.
Product: Debt collection

I was contacted by XXXX XXXX XXXX collection letter dated XX/XX/XXXX I disputed the debt in my letter dated XX/XX/XXXX. XXXX responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent XXXX my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXX XXXX 's letter told me they opened an investigation on my dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and XXXX was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX XXXX letter notified me that they were no longer be collecting on the account.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that there were two 30 days late reporting for the month of XXXX and XX/XX/year>. However, I was not late in either of those months. I reached out to the company and advised of this I spoke to several representatives and their supervisors trying to get this resolved. I spoke to supervisors who acknowledged that my report should not be reflecting late, but my report was never updated. Cases were created, but I never received responses. My credit report has been extremely affected by the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Search ID XXXX Search Type Address Mover Completion Date 2017XXXX ( 2 ) I have never lived in this state someone is using my birthday and information please take this off this is not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX in the XXXX XXXX XXXX XXXX from XXXX until the present date. I have no knowledge of this account or an address that is listed on my report. This account and my personal information should be thoroughly be investigated and the information removed from my record. 

Account : XXXX XXXX A Reported : XXXX. XXXX, XXXX - {$330.00} Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Mortgage

XX/XX/XXXX, I called PHH Mortgages regarding a status update for a loan modification assistance application that had been submitted on XX/XX/XXXX, for XXXX XXXX, I made 2 follow up calls after sending this assistance packet, first call was on XX/XX/XXXX, and spoke to XXXX and was told it is a complete packet and no docs. Needed at this time. The second call made on XX/XX/XXXX, I spoke to XXXX, and was told no docs needed at this time and file is currently in underwriting for review and to check back once a week to make sure that if underwriters need any further documentation and to check the status of the application. Today XX/XX/XXXX, I called to get the status and was told to my surprise told an application for Mr. XXXX has never been received and that there is an active sale date for XX/XX/XXXX, and I was asked to provide proof of the fax transmission of the assistance packet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX, Account Number XXXX ; Carrington Mortgage Company, Account Number XXXX XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I am deeply disappointed with Bank Of America and XXXX XXXX for ending financial services to law abiding companies making and selling Firearms. This is nothing but an attempt at social engineering and bullying by large institutions who benefited from taxpayer funded bailouts when they faced financial collapse due to their questionable practices.

The entities they have targeted are operating legally and protected by our second amendment. My wife and I are both Life Members of the NRA, and strong supporters of our second amendment. We would like to see these financial institutions honor the taxpayers who saved them by supporting our second amendment rather than bowing to political pressures from the left.
Product: Prepaid card

I attempted to first use the American Express gift card on XX/XX/year> at XXXX in store and was informed by the retailer that although they accept Amex, they're unable to use my gift card as tender as per their store policy. I made another attempt on XX/XX/XXXX at XXXX, where they also accept Amex, and the payment was denied there as well. I made XXXX more unsuccessful attempts to use the Amex prepaid card at my local grocery store ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and was also informed that they won't be able to accept this payment method even though it was recommended by American Express to use the gift card at a grocery store. The other attempt was to purchase tickets to an art exhibition in XXXX called XXXX, and after inputting the payment information as their website indicates they accept Amex as well, the payment was denied. I called Amex today XX/XX/year>, at XXXX and wasn't provided any useful information in helping me use this gift card. I requested a physical gift card to be sent, but they informed me that they could not use this and recommended me to use the card at different retailers. XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX are all large retailers/businesses that accept most forms of payment, and if they're not accepting this prepaid card, I let them know that it feels like the money is being held hostage and that although there is a balance, I'm essentially unable to use any of this money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX XXXX XXXX  . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate refunds for these violations.
Product: Vehicle loan or lease

The company repossessed my vehicle which was do to none payment it was the main reason pandemic I explained I couldn't keep the payments because now the pandemic gotten worse then it was They sold it left me with the amount that's is too high it's like made at all they stating that I owe over XXXX.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that this is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.