23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI XXXX XXXX Amount of debt : XXXX Date of Service : XXXX Provider of Service : XXXX Dear collection agent, I received a bill from you on [ date ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. 

I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them 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 patient 's 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 address listed above and accept this letter, sent certified mail, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
XXXX is in violation of said section for furnishing this information on my consumer report, that was obtained UNLAWFULLY and illegally from Lexis Nexis under false pretenses in which they've obtained it from online electronic systems known as PACER. 
This is not a dispute, more as a formal complaint nor request for validation or verification but a DEMAND for compliance in regards to your fiduciary duty and affirmative obligation to respect my right to privacy and to protect the security and confidentiality of customers ' non-public personal information.

Your duty is to also maintain the integrity of records and protection against threats.

You have 4 days to remove and block this information from my consumer report in accordance with 15 U.S.C. 1681 c-2 as it resulted from Identity theft and Without my written consent or authorization.
Product: Mortgage

I made a mortgage payment through XXXX XXXX  for my XXXX mortgage payment. I received a call on XX/XX/XXXX that the payment was late and needed to pay that day in order not to be reported to a credit agency. I made a payment over the phone and that payment posted to my account to prevent being reported as deliquent. 

I then contacted XXXX to get a cancelled check for the XXXX payment and that reflects Ameri Home cashing the check on XXXX. That payment proof was faxed to Ameri Home on XX/XX/XXXX as proof of payment. 

I asked them to apply the cancelled check as my XXXX mortgage payment, and it still not resolved. I have contacted them several times each week since that period to check on the resolution. I have spoken to countless customer service reps and managers, I have emailed my bank statement and proof of payment to mangers directly, I have faxed the documents and I have sent the documents to the payment processing department to create incident numbers. Not one person has been able to help me, I keep getting pushed off to give them another week. It is now XX/XX/XXXX and my mortgage payment still shows due XXXX because the payment is not yet applied. I spoke with them again today and they informed me if I paid my XXXX payment, it would be applied to XXXX and I would still reflect as late. 

The amount of time this has taken me to try and resolve is not acceptable, the customer service I have received is poor to say the least. I have done my work to get this corrected and I am still the one who they say the burden of proof is on.
Product: Debt collection

We didnt sign any agreements or paper work with XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my spouse saw an ad online about XXXX XXXX XXXX, pay S & H of {$4.00} for a 14-day trial. I received the cream on XX/XX/XXXX and used it for 2 of the 3 days remaining that I had left on their " trial ''. I had to stop because it was XXXX XXXX XXXX and turning my XXXX XXXX. I tried several of the phone numbers that I was able to locate ( XXXX, XXXX, XXXX, and XXXX. ) in order to cancel the membership but no one I spoke with could locate my account. OnXX/XX/XXXX I checked my bank balance and found a charge of {$89.00} made by " XXXX '', for which I did not authorize to do. XXXX is the only one I authorized to take the {$4.00} for S & H only. The {$89.00} was for membership which was located in their Terms and Conditions link in the very tiny small print way down the bottom of the ad page where most people would not notice it. XXXX changes the Terms and Conditions at any time and without notice. I saved a copy of two of them. Nowhere could I find " XXXX '' or that the membership would be made by them and not XXXX. I tried calling XXXX again but got the same result ... no account in my name. I called my bankcard company and cancelled the card. The bank rep told me that the {$89.00} was in " pending '' and had not cleared the bank yet, and that by Wednesday ( XX/XX/XXXX) that amount would be removed from my bank card withdrawals. On Wednesday the amount was still there and this time it had cleared the bank. I called my bank, Regions and complained. I had cancelled the card on XX/XX/XXXX but on XX/XX/XXXX the {$89.00} cleared the bank in error. I was sent an Affidavit to sign and mail back to the bank. A few days later after not hearing from the bank, I emailed them to see how far along they were in settling my dispute. The email reply from the bank was that it had already been settled unsuccessfully and that a letter was sent to me about it. To date I have not received that letter. I emailed XXXX ( XXXXXXXXXXXX ) to cancel my account if one was found, but instead of cancelling it they created a new one and sent me an email to that effect ( from XXXX XXXX XXXX this time ). I told them they had made a mistake and to cancel the new one and any other ones they might have in my name. I 'm waiting their reply, if there is one. On doing research I have found many discrepancies with XXXX ... an F rating and a score of 1.06 out of 5 stars with the BBB, XXXX report, reports and complaints of XXXX being a scam, and many websites with many angry consumers who have had at least {$89.00} or an amount similar taken from their bank account or credit card unknowingly. I 'm really disappointed in my bank for allowing a charge to clear two days after the card was cancelled, and the scam that XXXX has tried to pull over me and many, many others. Note : XXXX does not issue you any receipts, etc. I would be perfectly happy to get my {$89.00} returned to me and XXXX put out of business so that they can not get away with being deceitful or hurt anyone else.
Product: Credit card

1- XXXX XXXX XXXX XXXX  XXXX Charged my Card {$23000.00} for No Service Provided. 
2- On XX/XX/year> I Disputed these fraudulent Charges with American Express XXXX Ref. No. XXXX. 
3- On XX/XX/year>XXXX XXXX XXXX Closed the Dispute with no resolution, apparently, American Express relied on False Invoices provided by XXXX XXXX XXXX, for a vehicle that they didn't perform any work on. 
4- XXXX XXXX even refused to provide me with documents to determine the validity of the debt. 
5- XXXX and American Express took advantage of my Old Age, to run this scheme, and deprive me of my right to dispute fraudulent charges.
Product: Mortgage

Freedom Mortgage refinanced my loan in XX/XX/XXXX which I had with them. Unknown to me, post closing Freedom Mortgage did not create a new escrow account for the new loan. Freedom Mortgage instead overpaid ( multiple times ) payments to my insurance and taxing entities, then attributed the over payment as a loss to me via the finally created new escrow account to the tune of ~ {$11000.00} dollars. I was not notified of any of this during the time it was occurring in XX/XX/XXXX. 

In XX/XX/XXXX during escrow calculation period, I received an escrow shortfall bill for XXXX. I have not missed a payment, my insurance and property taxes actually were reduced during that period of XX/XX/XXXX to XX/XX/XXXX, so it was unclear how an ~ {$11000.00} escrow shortfall occurred and Freedom Mortgage offered no solutions. 

Freedom mortgage 's solution was to make me repay the ~ {$11000.00} shortfall to them by spreading the amount over 3yrs, an additional {$130.00} added to my mortgage payment. Since XX/XX/XXXX ( 4 months ) I have spoken to 13-16 different Freedom Mortgage employees in : Customer Service XXXX Tax, Insurance, Issue Escalation - only to get passed around from dept to dept. It seems no one wants to take ownership of the issue through to resolution. 

This entire ordeal of the cover-up of the non-escrow account creation, miscalculation and overpayment by Freedom Mortgage 's poor record/account keeping and QC'ing has put me under extreme psychological burden and caused my family unnecessary financial hardships of which seems like there is no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account several times with no follow up from XXXX XXXX with verification. I sent XXXX XXXX a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said XXXX XXXX verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because XXXX XXXXvised not to remove. If this is not resolved I will file a FTC complaint next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Georgia Student finance authority on several occasions through out the year. beginning in on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I have been given the run around and the inaccuracies still remain on my credit report.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

US DEPT ED - XXXX, US DEPT ED - XXXX,
Product: Credit card

I have an account with Capitol One since XX/XX/XXXX. I have paid all of my balances in full plus interest each month and was never late. I had an XXXX  XXXX in XX/XX/XXXXXXXX  and was out on XXXX. Even when I was on XXXX, I took the money that was significantly less and paid my capitol one credit card bill. I called in and explained to them that I would need an extension around XXXX because I was still waiting on my XXXX check to come in. The representative told me that they would be give me an extension for 90 days then I would have to resume the original payments. Upon the capitol one representative giving me this extension, I did not see where Capital one gave me an extension. Instead my account was closed in XXXX and the interest rate increased even more. Now as I returned to work and rebuilding my health I am stressing out to see how Capital one is handling my account. I pay them on time all the time and because I had a XXXX XXXX XXXXXXXX, my credit is now being tarnished by this Credit Card. I am a hard worker and I will attach my payment history to show that I was consistent with Capital One up until my health declined and that was the only time I had an issue. I just want a fair shot at paying back what I owe and not be subjected to predatory overwhelming interest rates. This is stressful and I asked Capitol for this consideration at this hard time in my life. For them to agree then close the account just does not seem fair to me.
Product: Consumer Loan

Company called me with threats after I was XXXX weeks late. I had already informed them that I would have to make a XXXX payment the next month and they agreed then called me and threatened with legal action. Kept calling my phone and speaking to me in a stearn threatful way. Has called XXXX times after I informed them not to call me.
Product: Credit card or prepaid card

On XX/XX/2020 I received a notification from my Credit Monitoring Service stating that my Syncrony Discount Tire Credit Card had been closed. I contacted Syncrony Customer Service. I spoke with several people and was informed that my account was closed due to a poor credit score of XXXX. As I was on the phone with customer service I reviewed my score personally and my score was much higher than the customer service representative claimed. I was then informed by another customer service representative that my card was cancelled due to my payment history with synchrony. Which makes no sense because I have paid the payment on time every time and usually paid more than what was due, so my payment history with synchrony is perfect. I asked to dispute the account closure and was told that I would have to dispute the card closure with XXXX and that there was nothing Synchrony could do to correct the issue that it was all on XXXX. I explained to the rep that XXXX is a credit reporting agency not the bank that provides the credit line. She insisted I had to dispute the card closure through XXXX. Synchrony basically closed my account under false pretenses causing a damaging mark on my credit.
Product: Credit reporting or other personal consumer reports

I have vall and mailed and showed to XXXX XXXX in XXXX tx told them they illegally gave my information to banks when I clearly said that only that dealership has my permission to look my information was passed around to several different banks on equifax they gave it to, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have demanded that the inquires be deleted all the banks and XXXX XXXX and equifax all pointing fingers at each other and passing the blame and refused to delete the inquiries all have broke the congressional law 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Debt collection

Asset Recovery Solutions first reported on my Credit report on XX/XX/XXXX in the amount of {$740.00}. I never received any notice from this company nor was I given the opportunity to dispute or request method of verification prior to this company posting on my credit report. I don't know any further information about this debt. I initially contacted this company in XX/XX/XXXX to request proof that this debt belongs to me but was unsuccessful. I've submitted multiple disputes with the credit bureaus to remove this from my record but the dispute results always came back as " account verified as accurate ''. Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), I have the right to request the " Method of Verification ''. The credit reporting agency must give you the method of verification information within 15 days of your request. I request " method of verification '' from both the debt collector and Credit bureaus via certified mail and was unsuccessful each time. XX/XX/XXXX, I contacted Asset Recovery again to find some sort of resolution and to request for proof. I was informed that this debt was now sold to another agency, which no contact information was provided. I refuse to pay this company without proof. 

As stated in the FDCPA, Asset Recovery Solutions must send a validation notice within five days of their first contact with you. That initial letter must include a warning known as a Mini Miranda stating : The communication is from a debt collector and that any information obtained may be used to collect the debt. The initial letter must also state you have 30 days to request debt validation, otherwise, they will assume the debt belongs to you. I never received a letter from Asset Recovery Solutions which does not include the Mini Miranda so this means FDCPA has been violated which I will now pursue legal matters. I request proof that this account belongs to me. If this company fails to provide proof, I want them removed off of my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis refuses to correct info that's incorrect on my report. This info has been verified by progressive that i never had a coverage lapse. Their method of investigation is eoscar pertaining to disputes. The information being provided is harming my credit.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$2200.00XXXX XXXX XXXX  XXXX BALANCED {$3600.00} XXXX XXXXXXXX BALANCED {$9800.00} XXXX XXXX XXXX BALANCED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report that my data has been compromised due to a data breach, which has negatively impacted my credit. This breach has exposed my sensitive information, resulting in unauthorized access and use of my credit profile. I believe this incident violates my rights as a consumer and has caused financial and reputational harm. 

I request that this matter be investigated promptly and appropriate actions be taken to address the breach, secure my data, and prevent further misuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to Equifax to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ... ) that has been placed on my credit file. Equifax has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. Equifax has failed to do this more than four times. Equifax has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, XX/XX/XXXX ;XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX, XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

An unauthorized transaction took place on my cashapp card in the amount of {$710.00}, I have tried disputing transaction with cashapp where they constantly deny my cases stating no error occurred. I am planning to move forward with a lawsuit if this cant be resolved.
Product: Credit reporting or other personal consumer reports

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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: Debt collection

On XX/XX/20 Franklin Collection Service Inc was in receipt of a letter that I had never done business with the company and was disputing alleged debt and requested full validation or immediate removal and cease and desist ( Tracking # XXXX XXXX XXXX XXXX XXXX ) I received an auto generated response from the company, which failed to adhere to the requirements needed to validate debt mandated by the FDCPA and Texas Finance Code. 

On XX/XX/20, I have sent a second request via mail ( cmrr # XXXX XXXX XXXX XXXX XXXX ) to the company informing them they have to validated that I in fact owe this debt, and have entered into a binding agreement with the company.
Product: Vehicle loan or lease

On XX/XX/, due to being ignorant of the law, I signed the Contract where I, XXXX : XXXX, financed a vehicle for personal, family, and household purposesunbeknownst to the deceitful practices occurring that I was getting myself into. 

I have been made aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by XXXX XXXX XXXX, XXXX ( XXXX ) and BRIDGECREST ACCEPTANCE CORPORATION ( BRIDGECREST ) to rescind only the illegal parts of this contract.