23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report 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 not aware that there is a debt from XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I am also unaware of the amount due and your Derogatory Remark 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 XXXX XXXX XXXX, and XXXX XXXX and XXXX ] 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 patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. 

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. 



Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ). 

Please send this information to my 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, any 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 a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above reqd proof.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding violations of federal consumer protection laws by a EXPERIAN reporting agency and creditors, who are inaccurately reporting late payments on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless a periodic statement is mailed or delivered at least 21 days before the payment due date. I have not received any such statements. Reporting late payments without compliance violates this law. The law does not state that payments automatically become 30 days late, yet this is being reported inaccurately.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting late payments without verifying the creditors compliance with 15 U.S.C. 1666b fails to meet this standard. The creditor has also not provided proof that proper disclosures were sent, violating 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ( i ), which requires verifiable information. Reporting such unverifiable data constitutes fraud. 

I previously sent a detailed dispute letter to the credit reporting agency, including copies of my drivers license, Social Security card, and FTC identity theft report, clearly explaining these violations. Despite this, the credit reporting agency has failed to take corrective action, and the late payments remain on my report.

I request that these inaccurate late payments be removed immediately and that corrective actions be taken to ensure compliance with federal laws.
Product: Credit reporting or other personal consumer reports

have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card. I made a large order which never came. The store agreed that I didn't receive my item and agreed to refund the money back to the card so that it would have a XXXX balance. They failed to charge back the money owed. I attempted to contact them in writing and never received a response. I filed a complaint and they didn't respond. The credit card was then closed for nonpayment without my consent and is now listed as a debt collection on my credit reports. Attached is proof of XXXX XXXX agreement to charge back the full amount owedwhich would have left the card at a XXXX  balance. I do not owe this debt.
Product: Mortgage

**Subject : Request for Review of Lack of Foreclosure Avoidance Assistance** I am writing to express my deep disappointment and concern regarding the lack of assistance provided by your company to help me avoid foreclosure on my mortgage. Despite facing financial hardship, I was not offered any options or resources to prevent foreclosure, such as loan modifications, forbearance programs, or repayment plans. 

My husband of 41 years passed away in 2023 and it's been a struggle trying to get all my affairs in order. Including the mortgage. My deceased husband fought for this country. He's a veteran and it's disgusting that this is how you treat his widow. I miss my husband. 

I have all my 6 missed mortgage payments to bring my account current but they want fees that occured due to their lack of assistance for me. They only showed enthusiasm with me selling my home to XXXX XXXX. Not taking my payments. I believe this is due to me being an XXXX woman not fully aware of how the process works. I was refused a single point of contact or options. 

I believe that your company has a responsibility to work with borrowers in difficult situations to find solutions that prevent foreclosure. By failing to offer any assistance, you have contributed to my financial distress and the potential loss of my home. 

I kindly request a review of my case to determine if there were any viable options available that could have prevented foreclosure. I would also appreciate it if you could provide information on any future assistance programs or resources that may be available to me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Account number XXXX XXXX
Product: Debt collection

An unknown collection was added to my XXXX  credit report. I called the debt holder " collection bureau of Fort Walton beach '' and requested verification of the debt. I was told that information would be shared with me. After several weeks of no response, I reached out again. I was told that the information would be shared with me. Again several weeks of waiting with no response. After a third attempt and threatening a law suit, a simple word document was sent to me with hardly any information on it. Simply my name, my birth date and a cost. Even with such little information provided, there were inaccuracies. Specifically my birthday. This is clearly not my debt and has been disputed with XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am rightfully exercising my rights in good faith under the Fair Credit Reporting Act. I have recently discovered as of XX/XX/XXXX, that there are to companies in my credit report and consumer reports that have illegally re-aged the account I had in connection with these companies. Both these companies are XXXX XXXX and XXXX XXXX. I have filed an FTC report regarding these accounts for fraud. This are inaccurately reporting on my consumer reports and are damaging my credit reputation due to incomplete information and the re-aging of the account associated with these companies. The date of last activity for XXXX XXXX report as account number : XXXX TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, account number : XXXX Dates of last activity for TRANSUNION XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX This account has not been paid since XX/XX/XXXX, and XXXX XXXX account number : dates of last activity are for TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. The last payment made on this account was in XX/XX/XXXX. These companies are in violation of 15 USC 1681s-2 ( a ), FCRA Section 605 for Identity Fraud, and 18 USC 1001 . Block and remove these accounts. Delete these accounts.
Product: Credit reporting or other personal consumer reports

As I reviewed my report I see inquiries on there that were done without my consent Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Please investigate this matter and remove these inquiries ] as soon as possible. Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a )
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 violated 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 not comply with errors resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I created an Equifax account with the intent of correcting some information on it. I had a few issues accessing my account almost immediately, as it had created my account, but was unable to login. I tried creating a new account to see if there was an error in making my account, but it said that I was already using my information on an account. Upon calling, I was then granted access to my account. I was then able to view my account and address my original issue, and was told to send a letter. After hanging up on the phone, my account wasn't able to be accessed again. 
I sent a letter about over two weeks ago with no follow up, no email, and still no access to my account.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries i do not recognize. I have contacted all CRAs, and they refuse to dispute or investigate the inquiries. Below are all the unauthorized inquiries that should be removed from my credit profile. 

15 USC $ 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed Accounts are both the same and they keep just changing the name.
Product: Credit card or prepaid card

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : CAPITAL ONE ( XXXX ) Date Opened : XX/XX/2019 Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX, I went to the XXXX in XXXX, Texas to purchase any household items I could find being that this was during the COVID-19 surge. At that time my husband and I were looking for another TV because we were trying to purchase a home. The TV I had selected which was {$590.00} was not in stock so the CSR in the Electronics department suggested I go online. At the time I had a Walmart Credit Card along with the APP and he advised me to scan the barcode through the APP and it would tell me which XXXX had that TV in stock. I did so and it showed the XXXX in XXXX on XXXX XXXX which was perfect because I live in XXXX. I purchased the TV at that moment online and it was delivered on XX/XX/XXXX. XXXX. Upon arrival I had the delivery drivers place it inside my home close to the front entrance being that it was going to be placed in the living room. One week later due to COVID-19 my husband and I 's hours at work had been cut drastically therefore we decided not to proceed at that time with purchasing a home. The TV sat in the same location until XX/XX/XXXX, and at that time I decided to get the TV mounted as a Father 's Day gift for my husband. I found one of the very few professional installation companies to come out during COVID and install this TV. When they opened the box and took out the TV they noticed it was damaged. The damage to the TV was so bad that it was internal and would not even come on. I had purchased insurance on the TV as I have done with all my high-priced items or any electronics that I buy. When I called the insurance company that same day I was told by the rep that there was nothing they could do being that the TV was damaged before it was delivered to me. They even emailed me a letter stating the exact same thing. Acknowledging that they delivered a damaged TV I still have not been treated fairly. I rented a XXXX  that same day and took the TV back to that XXXX and they refused to take it. The CSR in the electronics department told me and my husband that they do not have anything to do with online purchases. I went back and forth with XXXX and Capital One regarding this purchase. I had previously had a Capital One Credit Card and then I acquired a Walmart Card. Both companies had combined together as far as business and finances so both kept placing blame on each other. I was told to submit all evidence I had which I did. I sent in pictures ; a letter from the owner of the installation company ; a letter from the insurance company XXXX uses ( XXXX ) acknowledging the TV was damaged prior to delivery ; and filing the formal complaint. Capital One initially credited my account but then reversed it because XXXX 's claim was that this was past the return date. Over several months of going back and forth even filing a claim with the XXXX XXXXis matter has not been resolved. Capital One/ XXXX has admitted to delivering me a damaged TV but has now sent this to a collection agency it is now on my credit report with interest payments and has also damaged my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at XXXX. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) XXXX XXXX XXXX ) Do hereby attest that I am a XXXX XXXX XXXX for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX  by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report.
Product: Mortgage

My mortgage is held and managed by Freedom Mortgage Company who has mismanaged my PMI account with XXXX XXXX. My loan terms set PMI at XXXX a month. Freedom Mortgage took my loan over in XXXX of XXXX. My first payment was due in XXXX of XXXX. Freedom Mortgage paid my PMI of XXXX in XXXX of XXXX, then did not pay again until XXXX of XXXX. Then XXXX and XXXX PMI of XXXX was paid for each month. Then in XXXX of XXXX, Freedom Mortgage paid XXXX out of escrow toward PMI. Since only XXXX and XXXX of XXXX PMI was missed, they refunded my escrow account XXXX. Then in XXXX Freedom Mortgage took another XXXX out of escrow toward PMI and nothing in XXXX of XXXX. On XX/XX/XXXX, Freedom Mortgage took another XXXX for PMI and another XXXX for PMI on XX/XX/XXXX. That said my PMI should be paid through XXXX of XXXX ; however, their team is providing misleading information about my PMI payments and how much they have taken. Freedom Mortgage also provided escrow statement with inaccurate information that does not mirror my statement or payment history. Their team members on the phone have acknowledged that they took too much out in advance for PMI, which made my escrow account appear too low, causing my monthly payments to increase, but now loan is being sold, so they aren't sure anything may be done. This has been an ongoing battle since XXXX of XXXX and I would like either of the following to occur, PMI statement showing paid through XXXX of XXXX or refund to escrow account for XXXX. PMI XXXX XXXX said I am paid through XXXX of XXXX, but Freedom Mortgage says all PMI checks have been issued and they can not void to refund escrow, nor are they sure that they can put it in writing to new loan servicer that PMI is paid through XXXX. I need help, they have had me speak to countless employees, sent numerous emails, waited on hold extended periods resulting in average call duration of an hour with every attempt to seek a resolution, all to get no where. They have stolen money and I need your help to get it back or obtain proof PMI is paid and not due until XXXX of XXXX. XXXX XXXX who hold PMI certificate says their agreement is with Freedom Mortgage so they can't provide me with documents to reconcile XXXX or XXXX PMI payments. As a consumer, with rights and protection, I need documentation from both parties to get this matter resolved and my escrow account corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of the last payment is not correct on three credit reports.which is a violation. This is impacting me from moving forward to buying a house for my family.I attached my previous credit report and my new credit report to show how Equifax violated my rights.