23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, I received a very harsh demanding letter from the PNC Insurance Department which was dated XXXX. The letter stated there was a lapse in coverage from XXXX to XXXX. I dont agree with you on this matter. My old insurance policy ( XXXX ) was canceled at XXXX PM XXXX XXXX and my new insurance policy ( XXXX ) went into effect XXXX AM XXXX XXXX. If you call, one minute a lapse time to get {$14.00} I can't believe that PNC company is that desperate. Also, on the letter that I received you show a coverage amount of {$35000.00} not sure where that amount comes from. 
My understanding is that the definition of a day is a period of twenty-four hours as a unit of time.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a XXXX XXXX was to sell me 2 tickets to XXXX XXXX. She gave me this email address to send the money to via paypal ( XXXX ). After sending {$70.00}, she did not give me the tickets. She said she tried to send them to my e-mail but it wasn't valid. She said her XXXX acct was locked and she couldn't get into it. She then sent me a " link '' to log into my XXXX acct. I refused to log into because it was a fake XXXX site. At this point, I knew it was a scam and requested my money back 5 different times. She stated she called paypal twice and then she blocked me.
Product: Checking or savings account

Chase bank refused to file a claim of fraud when I was mislead by a fraudulent lending company and was added money to my account by the fraudulent lending company by them accessing my account with my chase bank password. I was then told to purchase gift cards in order for them to resend the rest of the {$10000.00} loan in which I never received.
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen on XX/XX/XXXX, I contacted Venmo as soon and this situation happened and they were not able to solve it or explain why this happened. Since XX/XX/XXXX I've been contacting them, they asked me to send pictures of my ID which I did but no fixing has been done so far. All they say is that it takes 7 days to be fixed, but it's been way more than that. I can not access my money since the account is frozen, consequently I can not pay my bills or even buy food.
Product: Debt collection

Patients were offered a genetic XXXX screening at no charge as long as they had medical insurance. Tests were done in dental offices throughout the XXXX and GA. The tests were sent to XXXX. Patients were never billed patients and assured they would never have an out of pocket charge for saliva testing. XXXX never did send out statements, however, they turned patients accounts over to Fidelis Recovery Solutions ( collection agency ). Charges range from XXXX XXXX to XXXX XXXX or more dollars. Patients were shocked because they were promised no out of pocket cost. XXXX put it in writing. XXXX will not return phone calls or emails. I contacted a representative who is no longer with the company and he sent me training materials which stated " no out of pocket costs for patients '' The company would accept only what medical insurance would pay even if that was nothing " because we are collecting test data, and we want to make this test available to more people, we are accepting what insurance is paying and writing off the balance. '' I shared this information with the collection agency but Fidelis Recovery Solutions will not return calls about this issue either. Patients are being taken advantage of by both XXXX and Fidelis Recovery Solutions. Please advise me on how to help our patients.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must remove the following accounts from my file. 
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 ask the credit company to do a verification on my credit report. They did and stated it was accurate but I did a thorough research myself and found improper inaccuracys on the credit report even after the research.. 

In accordance with the fair credit reporting act 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 an account without my written instructions.
Product: Mortgage

Dear Sir or Madam Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX XXXX XXXX.. 
I am disputing the validity of the corporate advance debt you claim that is owed for property preservation. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed. Also I would like copies of all work orders and documentation of all inspections. The inspection report should be detailed and reflect what services were performed or what was observed. 
I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether there was actual fraud or work was performed. I need to ensure that the charges and monies disbursed to XXXX XXXX XXXX for approximately {$51000.00} was based on work performed. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request. 

/s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX FL XXXX XXXX
Product: Debt collection

The debt doesnt have the correct information and I need it to be deleted they are using my debt the wrong way
Product: Credit reporting or other personal consumer reports

This is regarding COMPLAINT ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA, XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Team, I XXXX writing in response to your request for additional documentation to verify my identity and address regarding my dispute COMPLAINT ID XXXX in your letter dated XX/XX/year> ). As instructed, I have enclosed : XXXX. XXXX XXXX - XXXX of my valid Social Security card containing my complete XXXX front and back scanned. 

XXXX. Current Address Verification** - Recent pay stub showing my current address at XXXX XXXX GREEN XXXX XXXX, XXXX XXXX VA XXXX. 

Both documents meet the requirements outlined in your verification categories. 
I have included : - A copy of this email/letter - The original request letter - Legible, unaltered copies of requested documents Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I HAVE BEEN PAYING AMERITECH SINCE XXXX OF 2017 ... THINKING THAT THEY WERE HELPING ME, I THOUGHT THEY WERE PAYING MY FEDERAL LOAN, BECAUSE THAT IS WHAT I WAS TOLD IN THE BEGINING. I HAVE BEEN PAYING THEM XXXX DOLLARS A MONTH UNTIL I RECEIVED A LETTER FROM FTC ... I HAVE NOT RECEIVED ANY HELP OR SERVICES TOWARDS MY FEDERAL LOAN ... I FEEL SO XXXX  I REALLY THOUGHT THEY WERE HELPING ME PAY MY LOAN ... I DONT KNOW WHAT TO DO NOW I HAVE GIVEN THEM SO MUCH MONEY FOR NOTHING.
Product: Credit reporting or other personal consumer reports

I recently disputed this debt, and the company responded they will have the CRA 's remove the information from my credit report due to them violating my consumer rights. However, XXXX is choosing willful non-compliance and not deleting the information from my report. 

Here is the original dispute : I recently went to apply for an office for my business, and was denied due the fact that the owner thought I had accounts that were recently delinquent. I was shocked and hurt by this decision because that wasnt true. I tried to explain to them and showing them proof but they simply said until your credit report is updated we are unable to rent you the location. So I went back and reviewed my credit reports, and found that what she was talking about. I realized that although she was correct, in what she saw, what was being reported was totally inaccurate and a violation of my consumer rights. I also learned that this tactic of posting a newer date is called " re-aging '' of debt, to make the account appear new further damaging the report and ultimately credit opportunities of the consumer. It also extends the time in which the purpoted debt stays on ones report. Here are the laws that uphold my rights in which they are violating : 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 ( a ) -Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 15 U.S. Code 1681c -Requirements relating to information contained in consumer reports ( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Here are the debt collection companies involved : LVNV FUNDING LLC/ Resurgent Capital Services XXXX XXXX XXXX The Credit Reporting Companies : XXXX XXXX XXXX The dates are outside of the allowed limits of 180 days after deliquency, from the date of last payment on all of the following accounts. XXXX XXXX XXXX XXXXLVNV XXXXXXXX XXXX XXXX XXXX-LVNV Please see the attached screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I contacted Transunion several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize them.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called on numerous occasions stating this was not my debt from XXXX. The house was in a deed-in-lieu of status with XXXX XXXX XXXX. I moved to Georgia in early to mid XX/XX/XXXX to work a detail assignment for my employer for approximately XXXX  years. I called XXXX XXXX XXXX XXXX XXXX ( XXXX ) via the automated system and disconnected service prior to relocating. I told the collection agency I could provide proof of my lease for living in Georgia. Their reply was, I could have had a family member living there and utilizing the utilities under XXXX XXXX and XXXX ( XXXX ). I had no family member in the Maryland area.They said since this was during XXXX, just pay it and they will remove it from my credit report. It appears on all XXXX credit reporting bureau reports.
Product: Credit reporting or other personal consumer reports

My identity has been compromised since the year XXXX. The thieves used my stolen information to open a XXXX credit card and obtain mobile service with XX/XX/XXXX I became aware of this situation in XXXX, and I've disputed these accounts numerous times with no result. Also, I have not received any information regarding these accounts from the companies. These accounts have been negatively reported since XXXX, which is significantly affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

have previously written to XXXX to investigate and Verify a bankruptcy listed on my credit report, which they responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the court house myself. 

The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for reference. It is quite clear that someone from XXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was contacted to remove an unauthorized that they are reporting on my credit report i have advised them that my information is being used without my promission an i would like the account removed i spoke wit XXXX ID # XXXX i was advised if i supply my identity theft report, then the account would be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in the addition of fraudulent accounts and an unauthorized inquiry on my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

ACCOUNTS : ( XXXX  XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) Inquiry : ( XXXX XX/XX/year>XXXX  ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Credit card

XXXX, Chase card agreed to have me pay partially on an account since I had XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and was embezzled by an employee using my card during the time I was XXXX injured. They also agreed to not put bad marks on my credit score. I assumed it was taken care of and they would do what they said they would do. Chase bank reneged on that. Their reporting to the credit agencies is erroneous and the credit agencies reports are inaccurate. I have disputed this and they are relentless. I wish I would have filed BK, but I paid them. They also continue to make hard inquires on my credit report which further lowers my score. They are harassing me and damaging me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Transunion ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

I used my chase credit card to pay for a one-night hotel stay on XX/XX/XXXX. The hotel charged my card for the amount of the reservation in full on XX/XX/XXXX, in the amount of {$110.00}. Weeks after I checked out, the hotel charged my card an additional {$74.00} on XX/XX/XXXX. I contacted the hotel about the charge and could not get them to respond or correct the erroneous charge, so I contacted chase and filed a dispute. This is a clear cut case of an unauthorized charge. The hotel did not have reason nor my permission to charge the card ANY additional amount after the conclusion of my stay on XX/XX/XXXX. Chase opened the dispute and asked me to provide a written statement by XX/XX/XXXX. I provided the statement on XX/XX/XXXX via Chase 's " secure message '' system. I got confirmation ( via an email receipt ) that my statement was received. On XX/XX/XXXX, chase sent me a letter stating that they closed the dispute and rebilled my account because they never received my statement. I called Chase on XX/XX/XXXX and spoke to two different supervisors, both of whom acknowledged that Chase received the statement and acknowledged that chase closed the dispute case in error, but they both stated there is nothing they can do about it and even though it is Chase 's mistake, they would not take any action to resolve the error.
Product: Debt collection

Subject : Cease and Desist Letter Regarding HIPAA Violations Dear Sir/Madam, I am writing to you regarding your recent attempts to collect a debt allegedly owed to XXXX XXXX XXXX on behalf of Radius Global LLC . Account # XXXX It has come to my attention that your collection activities may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). 

HIPAA regulations strictly govern the privacy and security of individuals ' protected health information ( PHI ). As a debt collector operating on behalf of XXXX XXXX XXXX, you are obligated to adhere to these regulations. 

It has been brought to my attention that during your debt collection efforts, you may have disclosed or accessed PHI belonging to me, which is a direct violation of HIPAA regulations. This unauthorized disclosure or access to my PHI constitutes a serious breach of privacy and warrants immediate action to rectify the situation. 

Under the provisions of HIPAA, any entity that discloses or accesses PHI without authorization may be subject to severe penalties, including fines and legal action. As such, I demand that Radius Global LLC cease all collection activities related to the debt owed to XXXX XXXX XXXX until this matter is resolved. 

Furthermore, I request that you provide me with a written explanation of how my PHI was obtained, accessed, and utilized during your debt collection process. Additionally, I require confirmation that all copies of my PHI in your possession have been securely destroyed and that no further unauthorized disclosures will occur. 

Please be advised that failure to comply with these demands will result in further legal action, including but not limited to reporting this matter to the appropriate regulatory authorities and pursuing civil remedies for the violation of my privacy rights under HIPAA. 

In addition, I want to make you aware that should this matter escalate to arbitration, it will result in substantial costs for your company, potentially totaling thousands of dollars. Additionally, I expect compensation for the time and inconvenience caused by this XXXX violation. Therefore, I am requesting {$1000.00} payable to me for my time. 

I expect a prompt response to this letter and a resolution to this matter within 15 days. You may contact me via email at XXXX Thank you for your immediate attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today, XX/XX/2020, I tried to temporarily lift my credit freeze with Equifax, as I need to finance a new furnace ( mine broke and it is still getting below freezing at night where I live ). I had frozen it years ago and still have the 10-digit pin number they gave me for personal identification for when I need to lift or temporarily unfreeze my credit. I tried to create an online account with them, but Equifax 's website gave an error that it failed to contact their servers part way through me setting up my account. It would not let me back in to finish, only telling me that I had to call customer service. I called Exquifax to temporarily unfreeze my credit, and they asked me all sorts of personal questions to verify my identity. I answered everything correctly, including details on my mortgage, car loan, and one of my credit cards. They then asked for the date that I first set the credit freeze. I had set the freeze up years ago and only have the 10-digit pin they told me to save, they never told me to save the date. Equifax is now telling me that they no longer accept the 10-digit pin, and I am locked out of my credit until I mail in physical forms of identification. They will not even let me finish setting up my online account until I mail in my information. Preventing me from accessing/unfreezing my credit is going to delay me getting financing for a new furnace and heating my house, potentially putting my property at risk.