23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, 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 giving permission to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a 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 debt has been validated by me Please send this information to my mailing address listed above and accept this letter 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. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards,
Product: Money transfer, virtual currency, or money service

I am filing 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 and effective measures to prevent and 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 Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Checking or savings account

Ally bank has froze and prevented me to have online access to my accounts saying I reported someone trying to access my accounts which I did not, I ask for a fraud investigator to call me back and nobody calls me back and my accounts are still locked
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # - XXXX 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - 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.

Kia Motor Finance this is my last warning before I take legal action against your company. Your company is reporting inaccurate information to XXXX, XXXX, and XXXX! This account should be reflecting as paid in full and closed, yet your company is still reporting this account as a paid charge off which is inaccurate.

1. ) Your company are reporting three charge-off for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX. It's impossible for an account to be charged off and still report monthy payments. This account need be updated to paid in full and closed. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency, there's no late payment or past due on this account, yet your company is reporting a charge off. I would have to be XXXX, and XXXX late for this account to be charged off and I wasn't.

2. ) Your company are reporting two charge-off for the month of XXXX and XXXX to XXXX. Remove the charge off for the month of XXXX and XXXX, because the previous month are showing 'paid on time and update XXXX and XXXX to paid on time. I would have to be 30, 60, 90, and 120 late for this account to go into charge off status and I wasn't.

3. ) Your company is reporting a charge in the month of XXXX to XXXX which is inaccurate. In order for a charge off to take place I would need to be 30, 60, 90, and 120 late and I wasn't. The previous month are showing on time payment. This account needs to be updated to paid in full and closed.
Product: Mortgage

Without notice, explanation, or legal authority, Caliber unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase. The increase results from Caliber 's failure to properly reserve the necessary funds to pay property taxes. 

A similar complaint was previously filed, but Caliber 's response was incorrect. They provided information regarding my XXXX home, and not the impacted XXXX home. This complaint relates to the XXXX home. It is not a duplicate matter. Caliber must address the XXXX matter. They have not yet done so.
Product: Mortgage

I had been in the process of refinancing my current mortgage. 
After receiving a loan approval notification, I was told closing should be within the month. 

Due to continued mishandling of documents and delays by the loan officer/processor the date kept getting pushed back. I was unable to contact the loan officer/processor for several weeks, neither by email nor phone with a response. 

I decided to escalate the issue with the main office and they assured me the loan officer would reach out to me, after another week of no response, I called to escalate the issue again. After speaking with another representative, they assured me that they had escalated the issue internally. 

That very evening I received an after-hours email from the loan officer I had been trying to contact for several weeks, telling me my refinance approval was now declined. 

Given the fact that I was repeatedly told closing on the loan would be " next week.. '', never having a red flag during the underwriting process and the swiftness of the response after I escalated the issue makes me believe this cancellation was retaliatory due to my complaints.
Product: Credit reporting or other personal consumer reports

The following inquires below were not authorized. Please remove these inquires ASAP. 

Inquiry details XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  ( XXXX  ) XX/XX/XXXX 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 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. 

Inquiry details XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XXXX XXXX, XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX {$4000.00} XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX DEPT OF ED/XXXX  {$87000.00} On time XXXX XXXX {$29000.00} On time XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX XXXX - Closed 1 late payment XXXX XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 6 potentially negative months XXXX XXXX - Closed 1 late payment XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed Exceptional payment history XXXX XXXX - Closed 2 late payments XXXX XXXX {$1300.00} Closed 9 potentially negative months XXXX XXXX XXXX XXXX {$4900.00} Closed 15 potentially negative months XXXX XXXX {$2400.00} Closed 9 potentially negative months XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX XXXX  - Closed 1 late payment XXXX XXXX XXXX {$1900.00} Closed 7 potentially negative months XXXX XXXX XXXX - Closed Exceptional payment history XXXX XXXX {$29000.00} On time US DEPT. OF EDUCATIONXXXX {$6800.00} On time XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$130.00}
Product: Debt collection

I had a 2012 XXXX XXXX financed by XXXX XXXX the car was total out, my insurance company paid which I thought they were responsible for paying the car off. I was total there was a charge off amount of XXXX owe on the car. I car XXXX XXXX and when into a payment plan to pay off the XXXX which I paid the amount off. The problem is if XXXX XXXX accept the payments for the charge off. Why on all my credit reports the charge off amount of XXXX still shows when they accepted the payments. So the debt would be paid if full which it was. I understand the late payments showing but if the company agrees the accept payments to fulfilled a debt how can it be a charge off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX dollars was provided by Best Egg XX/XX/XXXX, the money was transferred to the company that provided me the loan XXXX XXXX  XX/XX/XXXX, then I started paying BestEggXXXX {$430.00} a month starting around XX/XX/XXXX for approximately XXXX months. 

The service was cut off after I requested a refund from their partner company XXXX XXXX 

I reached out to Best Egg told them the situation and they said I still have to pay the loan. 

They also reported it to my credit report. 

I am not paying for a loan when I'm not getting the service.
Product: Debt collection

REVCO solutions has shown on my credit score though I have had no business dealings with them or XXXX XXXX XXXX. I contacted them and by phone initially when I got a letter in 2021 they could not explain what debt is for and amount. I was injured at work by another employee which ran over my foot with a forklift and was taken to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Indiana. Workers compensation cover all my medical costs which have all been payed for. This debt is my employers. I had REVCOS letter sent to my workers comp through my employer HR and submitted this collection from XXXX XXXX XXXX to workers comp # XXXX Negative action was took and damaged my credit. Disputed debt with REVCO today they stated they will delete damage from my credit history. 

I want this off my credit report ASAP as they could not tell me what day when it will be deleted from my credit history. I am requesting the help of the Consumer Financial Protection Bureau for a correction to my credit report
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute regarding Experians inaccurate and misleading reporting of my XXXXXXXX XXXX XXXX account, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq. 

Nature of the Dispute Experian is incorrectly reporting my XXXX XXXX XXXX account as " Charged Off as Bad Debt '' with a past-due balance of {$16000.00}, despite XXXX correctly reporting the same account as open and paid as agreed with no charge-off status. This reporting is materially inaccurate and damaging to my creditworthiness. 

Violations of the FCRA Violation of FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy : Experian failed to ensure the accuracy of the information it is reporting by misclassifying an active, open account as charged off. 
Violation of FCRA 1681i Failure to Properly Investigate Disputed Information : If this reporting was previously disputed and remains unchanged, Experian is violating its obligation to conduct a reasonable reinvestigation.

Violation of FCRA 1681s-2 ( b ) Failure to Update Information After Dispute : XXXXXXXX XXXX XXXX  ( the furnisher ) is also responsible for correcting inaccurate data once notified of a dispute. If Experian is failing to update the information despite receiving corrected data from the creditor, it is in violation of the law. 
Requested Resolution Immediate Deletion or Correction Experian must correct the XXXXXXXX XXXX XXXX account status to reflect " Pays as Agreed '' with no charge-off, aligning with XXXX accurate reporting. 
Provide Investigation Results & Supporting Documents Experian should furnish a full investigation report detailing how it verified the incorrect charge-off status. 
Regulatory Action Against Experian Given the severe nature of this inaccuracy, I request that the CFPB review Experians compliance with FCRA standards and take any necessary enforcement action. 
This false charge-off status has caused severe harm to my creditworthiness, impacting my ability to obtain financing and financial stability. I request CFPB intervention to ensure compliance with the FCRA and consumer protection laws. 

I have attached copies of my XXXX and Experian reports as evidence of the discrepancy. I expect this matter to be addressed promptly, and I appreciate the CFPBs assistance in enforcing my rights under federal law. 

Sincerely,
Product: Debt collection

Called XXXX XXXX customer service and stated that I seen on my credit report from a collection agency that there was a {$130.00} bill. The representative stated that the bill was for internet services. As I explained the bill was not mine and representative then stated there also was a wireless account in my name. The representative stated the name on the account was XXXX XXXX. I explained that was not my name. The representative tried to get me to give my name so I can correct it. I refused began to ask more questions about the wireless acct rep had to transfer me to that dept. once transferred the representative asked what my name was I stated and the reason why but the representative also corrected my name on the acct and stated the name was incorrect at first. I began to fuss and asked for fraud dept and was upset rep changed it when I stated it was incorrect and I didnt want it corrected I wanted the information and fraud dept. Spoke with fraud they stated the account was valid due to social used and that they had the incorrect name. Which was still reported inaccurate to the credit bureau
Product: Credit reporting or other personal consumer reports

XX/XX/year> To : Tx Office Of Attorney General, TX Child Support Re : Notice of Dispute ( AND ) Request To Close Case File I have sent certified letters, as well as email XXXX, XXXX and XXXX. 

Mailed Certified to XXXX XXXX XXXX, XXXX TX The Company has failed to respond to any of my phone calls or letters. 
This is not a loan, nor is it a contract, yet this is being reported on my credit reporting agencies of XXXX, Equifax and XXXX.
Product: Debt collection

I had XXXX XXXXXXXX on XX/XX/2022. 
My insurance company, XXXX XXXX XXXXXXXX XXXX, communicated to me that my " ammount allowed '' and XXXX XXXX responsibility '' on the EOB is XXXX and patient responsibility is XXXX. That is fair, I pay the top dollar amount for insurance every year. 
I received a XXXX XXXX message that says my XXXX was not medically necessary. This code was changed at some point and that is why XXXXXXXX XXXX paid over XXXX to XXXX XXXX XXXX and my doctor. The issue is how the remaining {$4000.00} should be paid to XXXX XXXX XXXX. My doctor tried to contact my insurance and received no return information. I have paperwork to support this from my doctor. My doctor said that if he could have talked with the insurance doctor, they would have cleared it up. But XXXX XXXX did not respond and I have been unfairly charged {$4000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to remove unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the following information in my file . I have recently received a copy of my credit report and I notice there are unauthorized credit inquiries made by the company/companies listed below. To my knowledge, I have not signed any documents authorizing the company to make this many inquiries to my credit report. The listed inquiry was without authorization and is a very serious error in reporting. I am requesting your bureau to initiate an investigation and determine responsible parties in this authorized credit inquiry. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiries, signed on my behalf, so I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it may be removed immediately from my credit file. Please be so kind as to forward me the documentation that you have had the unauthorized inquiry removed. If you find I am in error, please send me proof. Finally, I am requesting an updated copy of my credit report. 

Your immediate attention to this matter is appreciated,
Product: Checking or savings account

There was fraud on my checking account on XX/XX/2022. This is my second complaint because I still havent received the funds. 
The original complaint number is XXXX The bank manager called me and I was told weeks ago that I would be receiving the funds promptly.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVED These inquiries are unrelated to me, and I have no connection to the creditors listed. I urgently ask for their removal from my credit report.
Product: Credit reporting or other personal consumer reports

I opened the account in XXXX. A secured Credit card for {$300.00}. In XXXX a bill came of {$18000.00} on a {$300.00} secured card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX charged a {$300.00} secured card {$18000.00} with a balance of less than XXXX dollars still on a secured card that was only {$300.00}. They made me add money to my secured card for the balance. Upon me looking at my statement I contacted them several times XXXX and XXXX about the ballooned balance of {$18000.00} and they told me several times the issue would be rectified and resolved. Upon me applying for the secured credit, they told me I would never be able to go over the limit if {$300.00}. Thats how secured credit works. Its XXXX, the issue is still not resoved after multiple attempt to have it removed from credit report. 
An according to USC1681 ( e ) ( b ) they are suppose to do this ( 15 ) Treatment inaccurate or unbelievable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) if any information disputed by consumer, an item of the information is found to be inaccurate or accurate must be updated or removed.
Product: Payday loan, title loan, personal loan, or advance loan

Netcredit failed to update and use the information provided to make my auto payment as scheduled. The 3rd party service ( XXXX XXXX  ) marked my credit file with a 30 day late when their web portal would not allow me to update the correct information and had to wait for a response from the lender customer service center when I contacted them. I have since paid off the loan in full and have asked them numerous times to remove the late mark on my file as it is a result of their error.
Product: Credit reporting or other personal consumer reports

TRANSUNION CREDIT REPORT SHOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX THAT WAS PAID OFF VIA REFINANCE WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STILL SHOWING ~ {$28000.00} BALANCE. 

THIS IS NEGATIVELY EFFECTING MY DEBT TO INCOME RATIO. 

PREVIOUSLY DISPUTED AND REQUESTED CORRECTION HOWEVER NOT CORRECTED DESPITE PAYOFF LETTER SUBMITTED. 


ATTACHED : PAYOFF LETTER FROM XXXX XXXX XXXX XXXX XXXX XXXX  STATEMENT SHOWING XXXX BALANCE REFINANCE LETTER VIA XXXX XXXX ATTACHED