23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CMRE Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation 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 in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit card or prepaid card

Provider at XXXX XXXX did not disclose product or product details, omitted interest rate told me that interest was free for 12 months described to me as a loan, ended up being a credit card and if balance wasnt paid Id have to pay all the interest accrued for the whole year, found that out the month it was due. My annual income was forged by provider as I did not provide it for the application but a number was put in their i later saw on the documents. Same thing happened with my moms account and she had a portion of my down payment on her account and services for my sister and she filed a claim with synchrony bank - and won they reimbursed her care credit balance but now the XXXX office is saying I owe because synchrony reversed it and now theyre out the money. Does not sound right to me. Deceptive practices and they forged the credit application also did not disclose all the fees and interest. Sounds like UDAAP violation. Synchrony has a class action from XXXX that matches everything that happened to us. I was XX/XX/XXXX at the time and informed her that I did not want any credit products because I did not want the hard inquiry she said itd be a soft inquiry but it wasnt stayed on my credit. Credit was also ruined for missed payments to synchrony because I was told it would be one lump sum to XXXX office not a separate account I needed to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received a response regarding complaint XXXX. Which the creditor stated they were contacting me about a Debt. When I called and spoke to a XXXX yesterday I was advised my debt was sold back to the creditor last year. Legally if the company no longer has the debt they should not be contacting me. In the response to the previous complaint it stated communication was ceased on XX/XX/year>XXXX  however I received a text on XX/XX/year>XXXX  in regards to a communication of a debt.
Product: Credit card or prepaid card

Company charged me after account was called in for fraudulent activity. Wanted me to pay for fraudulent charges without contacting me back from a call I had with XXXX I was penalized for my wallet being stolen
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. BANK OF AMERICA , N.A . XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Checking or savings account

This is a new complaint. Recently filed a complaint ( complaint XXXX ) about Citibank which you eventually resolved and Citibank gave me my {$700.00}. I went to close my account and be done with Citi and was informed that I was now being charged {$30.00} account fee. I closed my account and told them I want the {$30.00} fee reversed. They refused and stated that I now didn't have the proper accounts open so there is now a monthly fee. Even though I have had the same accounts open for 7 months I suddenly get a monthly fee on the same day they gave me the {$700.00}. I got a call from Citi Executive Response and XXXX said she couldn't reverse the {$30.00} fee. I find this impossible to believe especially since it seems everything Citi does is illegal. I told her I would file another complaint and she said go ahead.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX AND DEPT OF ED/XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I visited the website https : //www.equifaxsecurity2017.comXXXX to see if my information was compromised in the Equifax security breach. When I entered my social security number and last name into the required fields, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ( I declined the offer to enroll in XXXX XXXX, as I was concerned about how it would affect my ability to take legal action against Equifax if necessary. ) Based on this response, I 'm concerned that my personal information has been misused, and may be available to those who would use it to steal my identity. I have already placed a 90 day fraud alert on my file, and my credit report does not list any unauthorized activity. However, if my information has been compromised, then these things could still happen in the future for the rest of my life.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes with XXXX XXXX XXXX XXXX regarding inaccuracies in my credit report ( re-aging collections ) Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B )
Product: Vehicle loan or lease

I filed a complaint previously I have no knowledge of this account come a year later it still reporting on credit when I'm teying to geet a vehicle I waited and I tv still giving me issues this issues was resolved over a year ago and it still giving me issue on my credit I have the previous complaint listed on here we're it was agreed to be removed and it still on my credit I'm really upset xauee I been dealing with this for a while and it prevent m from getting the thing I need and it should had been removed by now again here I am a year later and it still preventing me from getting a car
Product: Mortgage

In XXXX I bought a property through seller financing and the seller hired the Note Servicing Center to handle the payments. They got the agreed payment schedule wrong and after numerous conversations where they have agreed to fix it, its still wrong so seller asked me to pay her directly. Now they are sending me threatening letters even though I've paid the only person I have a contract with. 

I have filled a complaint with XXXX  to stop Note Servicing Center from contacting me but they continue to send me threating letter even though I have no business or agreement with them. XXXX  can't help me as i have no agreement with this company so they suggested i cont you. As recently as today I recieved another email threating me with foreclosure if I don't pay them. Can you please investigate further as I believe my rights are being ignored and this company is breaking the law.
Product: Mortgage

This is a follow-up to complaint # XXXX. Your response stated that Caliber Home loans will overnight me a check by XXXX in the amount of {$3500.00} on XXXX. I have not received a package from XXXX, and the tracking status shows pending. I called XXXX on XXXX, and asked why the package is still in a pending status. I was told that pending means that a label has been created, but no package has been received by Caliber Home Loans. I called Caliber and the representative that I talked to tracked the package and got the same status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, XXXX and transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, transunion or XXXX doesn't have any files to verify this account, nor will they delete it.
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 XXXXXXXX Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights DEPT OF ED/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.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Checking or savings account

In XX/XX/2021, I filed disputes for transactions in my account that I didn't authorize that happened on my debit card as well as a check that was written on my account and for filing the dispute the closed my account never refunded my transactions and now I can't even access my bank statements I had with them. I had the XXXX XXXX XXXX that was supposed to be deposited into this account and they rejected it as well.
Product: Credit card or prepaid card

I purchased a mattress from XXXX XXXX in XXXX of XXXX. The balance remaining was financed by Tidewater Finance Company, XXXX XXXX XXXX XXXX, XXXX  XXXX, VA. I have spoken with upper level of management and then the CCO in finance of this company, XXXX at the time in XXXX speaking with her again about not getting any information in XXXX of XXXX in my emails or physical address. I did however get a letter regarding a late payment in XXXX of XXXX and did not come to my address but to the address of where the merchandise was delivered to. While at the store ( XXXX  XXXX   where the merchandise was purchased ) I had asked that I needed the Truth In Lending Statement, and any other loan papers for this transaction. I was given only the Sales receipt and the name of the company financing this purchase. To date I have not been sent a Truth in Lending nor any kind of financial document relating to this purchase. This loan had special circumstances, when principal was paid within a year there was No Interest charged until then. At the time of purchase, I asked what the payment system would entail. XXXX XXXX had said it was a No Interest calculated for one year from date of purchase. I then asked who would be sending me the financial paperwork, TIL if there were monthly payments or can I just pay it off in three to four months. I was told Tidewater Finance Company would email or send me the paperwork. I have to this day never received any paperwork from XXXXewater Finance Company. They had all the correct information to email, physical address, phone number, transferred from XXXX XXXX and when my financial and personal information was run to get the loan from them in the first place. I am not inferring that I don't owe this company what I purchased. I want them to be accountable. Deliver information that is mandatory to enter into a contract all the correct paperwork, firstly the Truth In Lending Statement. Not at any time currently that I have nor should there be one by them as it would be a fraudulent as I do not posses a TIL nor any other type of paperwork from Tidewater Financial Company stating Principal balance. APR, etc ... a Truth In Lending Statement includes. Contact with XXXX and other financial personnel have been fruitless as to finding a solution. I am concerned that guidelines of financial companies are not being followed. There are others who have been I feel swindled by this company. Not following finance or upholding the laws and guidelines of a financial company. 
XX/XX/XXXX Tidewater has lied about sending me any paperwork the day of nor the day after I purchased the mattress at XXXX XXXX. I still do not have a Truth In Lending for the date the payments were to begin. I have only paperwork from XXXX XXXX as to who lent the money and only their name. I am putting in this second complaint. This company should be known to other consumers and companies that this financial institution frauds the consumer of the one year of free interest. What happen to me I am sure happens to most of whom they offer the credit to.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a confirmed victim of a data breach. The unauthorized accounts and inquiries listed below were not initiated by me and have contributed to fraudulent activity on my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Midland Funding is lowering my credit report and creating problems for me by reporting a Collection account on my credit report. This debt is NOT mine and yet they continue to ignore my requests to remove the derogatory remark. I ca n't understand how they can ruin someone 's life without providing any proof a debt is owed. If the CFPB ca n't help with situations like this I question why it even exists? The credit reporting agencies dispute procedure is useless in these situations and need to be changed.
Product: Money transfer, virtual currency, or money service

Credit karma advertises Tap into fast cash. 
Start working on your financial goals even sooner this year.

Up to 5 days early Get access to your refund up to XXXX days early when you deposit it into your Credit Karma Money Spend account. 

I checked the irs website it states Your tax refund is scheduled to be sent to your bank by XX/XX/XXXX. 
If your refund is not credited to your account by XX/XX/XXXX, check with your bank to see if it has been received. 

XXXX XXXX XXXX Filing Status Head of household Your refund amount {$2400.00} Deposit date XX/XX/XXXX I used the Credit Karma Money Spend account. 
As of XX/XX/XXXX I have not received my money in my Credit Karma Money Spend account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get my free credit report from XXXX XXXX XXXX. It keeps looping and giving errors so that I can not obtain my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ 59K+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM XXXX TO XXXX. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH TOTAL AND XXXX  XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON TRANSUNION AND ACCOUNT # XXXX XXXX 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.
Product: Student loan

So I went to XXXX XXXX  XXXX XXXX XXXX XXXX  back in XXXX eventually, because of delay of FASFA I couldnt attend anymore thing is I never to my knowledge used my FASFA to pay for anything to my knowledge after no longer attending XXXX as of this year ( XXXX ) I find out they closed in XXXX of XXXX and then I check my statements and theyve been charging me after no longer attending XXXX and after the campus closed down due to not staying true to their accreditation I just got a letter saying theyll be sending your loan information to collections. Ive been charged as if I was still attending Im not sure what it going on but theyve scammed students, and what they stood for wasnt met. The letter I received as of XXXX that i owe more than XXXX dollars