23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that DEBT RECOVERY SOLUTIONS # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX 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 HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to DEBT RECOVERY SOLUTIONS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than basics to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 agency
Product: Checking or savings account

I have a Checking Account at Chase Bank. I was writing out bills in the beginning of XXXX and looked at my statement ( which I usually don't look at, I know that is wrong ) and I found that I had no money in the account. I had approximately {$13000.00} in there prior to this discovery. I went to my branch to investigate and they found that someone had made withdrawals starting in XX/XX/2018. Most of the withdrawals were done in the month of XXXX. Chase said they had footage of someone going to various branches and using a withdrawal slip and a fake drivers license. The License number was incorrect. They established that I had nothing to do with this fraud. After an investigation of approximately two ( 2 ) weeks, I received a letter saying that there was too much time elapsed and they could not give me any of my money back. Before I get a lawyer I wanted to see if your organization can check this. I was told by a lawyer that there is not a time frame and Chase told me there was a time frame of 60 days. That being said, the dates in XXXX of these bogus withdrawals, was less than 60 days so I don't understand why they are doing this. This is a lot of money and I will get a lawyer if I have to but if you can help me I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax erroneously reported to the CFPB under complaint ID : XXXX that " The identification information you provided does not match our records ''. The company is intentionally making it difficult for me to obtain a mailed paper copy of my Equifax credit report for which I am entitled to. Furthermore, attached is a scanned copy of the first two pages of my XXXX credit report, which was mailed to me. The credit report is dated XX/XX/2021. Note, that I made a request at the same time for both my Equifax and XXXX credit report, however ; only Equifax seems to be incompetent. Lastly, I have included a copy of a credit denial letter from XXXX XXXX dated XX/XX/2021, stating a Equifax credit report was utilized in making the credit decision.
Product: Credit card or prepaid card

I recieved an email from Bluebird by Amex, telling me me that my account had been permanently closed after 7 years of use, for no reason, and that I needed to write them a letter just to ask a question! There are several XXXX dollars in the account from my federal imcome tax and unemployment. I desperately need this money and now it has basically vanished and the customer service rep I spoke to told me they couldnt give me any information and that they can legally keep my remaining money. Its outright theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from Equifax, XXXX, nor XXXX. They have inaccurate information on my credit report. Equifax, XXXX, and XXXX are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX XXXXXXXX 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 enrolled in the XXXX and XXXX. Degree at XXXX  XXXX University Online in XXXX thru XXXX. I was promised by the school that I would be promised a job in my field if I chose to enroll in their programs. I completed my degree programs and the school did not provide any job opportunities in my field of study like they promised. Subsequently, I obtained a substantial amount of student loan debt. 

Not many months later XXXX  XXXX University Online and some other schools were defendants in a class action lawsuit filed by students who were promised job opportunities once degree programs were finished. These practices were illegal and all students who went to these schools their student loans were forgiven. 

My degree program was XXXX XXXX with a concentration in XXXX XXXX. 

The Department of Education continues to show I owe student loans and it is affecting my credit score. Apparently they are unaware of the developments of the class action lawsuit of XXXX  XXXX University Online. 

The Borrower 's Defense team is aware of the situation ; however, my credit score is affected dramatically, Borrower 's Defense is looking into the matter as well.
Product: Debt collection

Received notice from Receivable Solution about a debt that I questioned. I sent them a request for validation including but not limited to a contract or signed authorization in concern to HIPAA violation by certified mail. Yesterday I received a letter back from them signed by XXXX XXXX. The letter including a print out with my personal information and medical costs and treatment without no signed contract or authorization with my name on it. Medical records are confidential and should not be shared with third party without the patients permission in which no permission was given. With that being said Receivable Solutions is in violation of the FDCPA and if they continue to attempt to collect this debt and report it on my credit reports they will be in further violation. Please make note of this complaint and help me to resolve this matter immediately without any further damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a freeze online on my Experian Credit File. After entering all the requested information, I was told they were unable to place a security freeze based on the information I entered. I tried again with the same result. They want me to mail them at a P O Box my name, ssn, dob, address, a copy of my driver 's license, a utility bill, and a bank statement in order to process the freeze. ( To protect my personal information, they will not return the correspondence. ) In contrast, I froze the other two bureaus online in a matter of minutes by giving the same information.
Product: Credit reporting

I receive this results from Equifax Today saying for me to contact XXXX, XXXX XXXX bank, XXXX bank. I would Like to stress to EQUIFAX THAT I 'm asking them for that Info per the FCRA THEY reporting agencies SHOULD HAVE THIS INFOMATION ON FILE WHEN THE CONSUMER ASK FOR IT I HAVE THE RIGHT TO ASK THEM TO PRESENT WHAT I 'M ASKING FOR AND THATS WHAT I 'm doing and that 's what I want because I will file law suit as of Noon on XXXX/XXXX/16 in which Equifax should have that noticed in there hand as we speak DO YOU UNDERSTAND ME CFPD THIS IS YOUR LAW AND I THINK YOU SHOULD FOR SURE SEND EQUIFAX A COPY OF THE XXXX XXXX XXXX SECTION OF THE LAW JUST IN CASE THEY DO NOT KNOW THE LAW I ALSO ATTACH ANOTHER COPY OF PORTION OF THE XXXX FCRA PLEASE READ IN EQUIFAX IF YOU DO N'T UNDERSTAND IT YOU BETTER ASK SOMEONE!
Product: Mortgage

I have been trying since XX/XX/2019 to have Equifax to un freeze my credit report so it can be checked by loan companies to approve me for a VA XXXX. To this day my credit file remains locked, and I have lost over 20 home deals because my file remains locked.
Product: Credit card or prepaid card

Today, XXXX XXXX, XXXX was the second time in a month I telephoned Macys to review my credit card account and request a decrease in interest as the interest on the account keeps going up. On both occasions, I have spoken with the basic customer service representatives who have both told me that Macys is not reducing interest rates at this time. Both times I have asked to speak with a customer service representative. I am put on hold for an unusual amount of time, the " supervisor '' answers the phone, states they will not be reducing interest and then hangs up on me. This has occurred twice. 

I am unable to speak with anyone at the credit card company who can possible assist me with a review of my account. I have been a loyal customer for many years and do not believe my account should be handled in such a way that when I make a request, I am automatically hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian business ( various numbers ) to no avail. I sent Experian emails ( XX/XX/XXXX and continuing ) to notify of this inaccurate reporting information on the following : XXXX. The Key Personnel that are listed in the credit report are not employed with XXXX XXXX  XXXX XXXX XXXX in any position. I sent dispute documentation ( XXXX, XXXX & XXXX annual reports ) of our corporate structure to Experian. Nothing!!! 

XXXX. The Trade Payment Information are fraudulent because XXXX XXXX XXXXXXXX, XXXX has never applied for any loan nor credit with any lenders in its 20  years of existence. Furthermore, we could not even contact the lenders in the business credit report because there is " NO '' lender contact information listed along with insufficient reporting information to substantiate that lender ( XXXX ) claim. Nothing!!! 

XXXX. Experian is " Obligated '' to provide " Lender ( XXXX ) contact Information '' to XXXX XXXX XXXX, XXXX under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. and laws ( XXXX, XXXX XXXX FL. Stats. ) - All reporting bureaus that report credit fiduciary statement to the public, must provide " financial institution '' contact information upon disputing party in due process. If say reporting bureau can not furnished " financial institution '' contact information to disputing party that credit data can not be verified upon disputing party 's report. All credit reporting data must be verified and certified by due process. I requested the lenders contact information that furnished us credit, loan and the like to address their findings. Nothing!!! 

XXXX. I demand that Experian moved all derogatory data from our company credit report immediately and effectively. This inaccurate reporting information has placed our company in an inequitable position and forcing the company into a stagnation in fulfilling obligations. Thank you. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX : ( XXXX ) XXXX Office : ( XXXX ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing you to express my concerns regarding Zelle handling of disputes, particularly in the light of the XXXX recent lawsuit highlighting significant issues on the platform. Despite use XXXX numerous of times and reporting discrepancies. My financial institution and zelle failed to investigate my claims adequately. They informed me that recovering loss forms was impossible. The CFPB findings indicates that Zelle neglected to protect his customers but has allowed repeat offenders to explore the system.
Product: Payday loan, title loan, or personal loan

This creditor Presto Title Loans is reporting this as a car loan with repossession. This was a car title Loans and they repossessed the car yet still put this on my credit. They should not have been able to so both and it is not a car loan as they are reporting. I looked into other title loans like XXXX   XXXX and if they keep your car your title loan is cleared why is this company not doing the same and reporting this as a car loan and repossession? They need to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit card or prepaid card

BoA sent me a credit card I didnt ask for telling me to activate it. Sent, according to the letter, on XX/XX/2023. Credit limit {$7500.00}. I ignored it. 

Now they are sending notices changing the terms of our agreement. Sent XX/XX/XXXX but the letter is backdated to XX/XX/2023. Apparently ignoring the card didnt stop them from signing me up. 

Im concerned about my XXXX with too many cards. Im equally concerned their attempts might set me up for fraud.

I want in on the settlement. Im fed up with how broken US businesses are.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Paypal supports scammers. 

XX/XX/XXXX. I purchased the XXXX XXXX from XXXX XX/XX/XXXX I received it. 

XX/XX/XXXX ( XXXX  ) I opened it to assemble it. 
I found one huge hole on the panel, peeling on the side, crack on the side. I contacted the seller right away. At the same time I filed a dispute with paypal. 

XX/XX/XXXX XXXX responded to me advising me to dispose the damaged item, however since there is a dispute they can not issue a refund until the dispute is closed. 

I forwarded all information to paypal. XXXX responded to my dispute saying I did not return the item therefore they were not able to refund me. How convenient! They advised me to dispose the item! 
At first I disputed it under Item not As Described. However a representative changed it to credit not received since XXXX did mention they wanted to refund me but they could not because of the dispute. 
XX/XX/XXXX, paypal closed the case in XXXX 's favor because I could not submit proof where XXXX said they would refund me. 

Paypal you are aiding scammers. Shame on you.
Product: Credit reporting or other personal consumer reports

I used to think the economy was bad, but after seeing my credit report, its clear whats really worse the errors that are tanking my credit score. It's beyond frustrating to deal with all this incorrect information, and its causing me serious stress. As a consumer, I have the right to an accurate report, but instead, I'm stuck in this mess. Its ironic, too, because Id probably need therapy for the stress, but I couldnt even pay for it since my cards would get declined thanks to these wrong details on my report.
Product: Credit card or prepaid card

Target Card Services suddenly reduced my current credit card limit from {$14000.00} to {$6600.00} even though my account has been managed over many years in an excellent manner. The only reason that my credit card limit was reduced was due to a cancelled payment because of confusion over when my minimum payment was due. I have always carefully ensured that I paid much more than the minimum due over the past 15 or more years that I have had the Target account. I have never missed a payment except for being late one time for my XX/XX/2022 payment by a few days. Once I found out that my payment was a few days late I went on line and made a {$430.00} payment which exceeded what was due. I have been a loyal customer of Target Bank and I have never missed a payment and I have managed my account in a very responsible and timely manner for many years. The decision to make a whole sale reduction of my credit limit by more than {$8000.00} dollars was wrong and careless of the banks ' part. Just because of some confusion as to when my XX/XX/2022 payment was due and my action to cancel a payment because I thought none was due, is no reason to limit my available credit in such a harsh and irresponsible manner and especially to a longstanding, responsible, and loyal cardholder. I want Target Bank Card Services to restore my previous line of credit of {$14000.00} and to apologize for this needless adverse action that will have a negative impact my consumer credit score and status.
Product: Student loan

Co-borrower on XXXX private student loan and the debt is past due. I have made several attempts with the lender to adjust the payment amount but they wont do it. I sent a cease and desist letter to the lender to stop all calls unless they were taking a specific action on the accounts. They are still calling after receiving my letter. 
They called on XXXX/XXXX/2016 at XXXX XXXX from XXXX and I told them I had a cease on all calls. They said they can continue to call. 
They called again on XXXX/XXXX/2016 at XXXX XXXX from XXXX and they were told to cease all calls because the letter is on file. They still refused to stop calling. 
Received another call from XXXX on XXXX/XXXX/2016 at XXXX XXXX from XXXX, XXXX # XXXX, and I told him to stop calling because I have a cease letter on file. He said they can continue to call. 
I called the same phone number back on XXXX/XXXX/2016 and XXXX, Emp # XXXX, answered and I had a discussion with her about ceasing all calls. She said that only applies to automated calls. She hung the phone up. 
I called back again on XXXX/XXXX/2016 and XXXX answered the phone. I asked to be transferred to a supervisor and he would not answer my questions or transfer the call to a supervisor. He eventually said a supervisor would call back. 
A supervisor called back and said that the Fair Debt Collections Practices Act gives them permission to still call even though I have given them a written letter to stop calling.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process weas unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Ive reached out to the company several times and there was no response at all.
Product: Vehicle loan or lease

I went to the XXXX  used car lot in XXXX Louisiana. It's been a while since I had. Like less than 2 years. I DIDN'T get a car not loan. It's has me as having a loan for a car an neither of them I was informed about. I'm trying to get a place to live and my credit is the reason to why I can't get a roof. I have a XXXX year old XXXX. Help me with the process of getting us a place to live. Please and thank you.. 
2020. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with XXXX XXXX XXXX  and EXPERIAN & XXXX   about correcting the late payments in association with ALL 12 XXXX XXXX XXXX accounts ( associated account # s : XXXX ) as they were never late, further more the dates of the payment history being reported is incorrect and therefore it either must be updated or removed according to FCRA 611 ( 15 U.S.C. 1681I ) ( see attached ). 

Accurate account reporting can not simply go from current or paying/paid as agreed one month and then 90 days/120 days late derogatory status the very next month, unless the reported payment history is inaccurate to begin with. I have also attached a student loan document showing the dates of all forbearances which was given to me directly from the data furnisher ( XXXX XXXX XXXX ) which subsequently requires no payment and therefore further supports my stance of the 12 XXXX XXXX XXXX  accounts never being late and the payment history being wrong. There are 4 late payments showing incorrectly. 

Are these companies above the law in which has been stated and expressed in the FCRA? I want these issues remedied now or I will be pursuing legal action against all parties involved as a part of exercising my consumer rights in an attempt to be compensated for the damages that have been caused by the reporting of incorrect information in my credit files.
Product: Credit card or prepaid card

In the month of XX/XX/2021 my father expired due to XXXX, mom had a prolonged illness due to XXXX ( spanning XXXX and XXXX ). My daughter was born on XXXX XXXX 2021. Due to all these personal issues I was overwhelmed and forgot to make payments to the tune of some $ XXXX. Even though my other credit cards with autopay had been paid every time in full upto the tune of $ XXXX. This suggests my good financial condition. I requested XXXX to take note of this overwhelming situation and help in pardoning one off late payment. But they simply refused. XXXX has destroyed many families and put lot of people in stress. Taking note of this situation I would plead to your esteemed office to help remove the late payment from my credit report as it is adversely affecting my credit report.