23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was reviewing my credit report and noticed so items reported on my credit report. I noticed the listed debts below on XXXX, Equifax and XXXX ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the 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.

I have made several attempts to send validation of these debt. I have still not received with 30 days of any proof of this debt.

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. 


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  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A worker 's compensation policy was cancelled on XX/XX/2021 with XXXX. XXXX charged our credit card without our authorization on XXXX, XXXX, and XXXX of 2021. We tried to solve the issue with the merchant and have called them multiple times to get a refund. Everytime, a XXXX Agent states that they are working on it, however, they do not follow through. We follow-up with them and they keep on transferring our call or stating that they are working on it, but it never happens. We also tried to dispute the charges with our credit card company, however, every customer agent that handles our case shares different information with us and treats it differently. On XX/XX/2021, we talked to our credit card company and they assured that our documentation would be reviewed as we provided a cancellation letter to them. Today ( XX/XX/2021 ), our credit card company stated that the time has lapsed for 2 cases and are going to resolve 1 in our favor. All of the 3 cases deal with the charges made in XXXX, XXXX, and XXXX. The letter proves that the 3 charges were made without authorization. The case ruled on our favor is XXXX so how come XXXX and XXXX are out of the time frame.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account as Experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE has violated on XX/XX/year> and I have a serious issue regarding my rights under the Truth in Lending Act ( TILA ). It appears that there have been violations of these rights by the company in my recent car purchase. 

Specifically, it seems that there were problems with how my loan or financing was handled, which should have been clearly explained to me according to TILA rules. I believe these rights were not fully respected during my transaction with the dealership.
Product: Money transfer, virtual currency, or money service

I'm waiting to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My identity was compromised and I'm trying to get things cleared up with certain things on my credit report to where it should not be on there anymore This complaint is for the major credit bureaus XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX sign Subject : Request for Investigation Dear major credit bureaus listed above. 

I hope this message finds you well. I am writing to address the recent lawsuit filed against XXXX, TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, and to request your cooperation in conducting a thorough investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I would like to emphasize the importance of not accepting findings from furnishers who do not provide comprehensive results of their investigations. I kindly ask that you send me the detailed findings via mail, rather than through your online portal.

Additionally, I request that you remove the disputed information within the 30-day timeline stipulated by the FCRA, as it is critical for compliance with federal law. 

More specifically XXXX XXXX inquiries Thank you for your attention to this matter. I appreciate your prompt assistance.
Product: Mortgage

The complaint is in reference to the title company : XXXX XXXX XXXX XXXX XXXX Texas , XXXX. 
Our loan was set to disperse XX/XX/2020 and due to the negligence of the title company our pay off was not calculated correctly. The payoff was shorts funds to pay off the loan entirely. The original lender reached out and spoke to the title company advising them it was short and that they needed to contact us and see how we wanted to proceed in paying the difference. We never heard from XXXX XXXX XXXX. The original lender emailed my husband on XX/XX/XXXX advising that the payoff was short and requested how we would like to proceed. After checking documents and confirming that the payoff was not calculated properly we were now looking at additional fees due to XXXX XXXX not completing their work appropriately. 
I have called XXXX XXXX ( XXXX ) numerous times and can not get in touch with a live person and have requested callbacks ; I have still yet to receive a callback. I have also sent emails ( XXXX ) requesting a call to discuss this error and request compensation and an explanation why we were not contacted and why our funding did not occur when it was scheduled. They have completely ignored and disregarded what has happened. 
Having worked in the mortgage industry for many years this is absolutely unacceptable and should never have happened. The lack of responsiveness and following of procedures is appalling.
Product: Credit card or prepaid card

I applied for a Capital One Quicksilver Card and was denied.I received the denial letter stating they couldn't retrieve my reports when I have three hard inquires from Capital One, one at each credit bureau XXXX XXXX XXXX XXXX. I tried contacting the application department but its been closed due to the pandemic. Im writing because honestly I have read all the requirements and meet every one from Capital Ones definition of excellent credit Ive never declared bankruptcy or defaulted on a loan ; I havent been more than 60 days late on any credit card, medical bill, or loan in the last year ; Ive had a loan or credit card for 3 years or more with a credit limit above {$5000.00}. To the disclosure that states I am not eligible for this offer if : My application is received after this offer expires, is incomplete, unreadable, and inaccurate or can not be verified. 
My address is not in one of the following locations : the 50 United States, Washington, D.C., or a U.S. military location.

My address is a correctional institution.

My monthly income ( my disclosed total annual income divided by 12 ) doesn't exceed my monthly rent/mortgage payment by at least {$420.00}. Or, Capital One otherwise determines that I am unable to make my monthly payments.

I am under 18 or do not have a valid Social Security Number or Individual Taxpayer Identification Number.

I have applied for a Capital One credit card 2 or more times in the last 30 days. 
I have 5 or more open credit card accounts with Capital One.

I have a past due Capital One credit card account.

I am over my credit line on a Capital One credit card.

I have had a Capital One credit card that charged off within the past year.

I have a non-discharged bankruptcy ( one that is still unresolved ).

I have met every requirement and spoke with a representative from the corporate office and stated that the error was system generated. My application was going to be resubmitted for a manual review and til this day haven't heard a word. I'm very experienced in credit history and an expert in reading credit reports. I only see this as a system error and hope it's nothing further then that.
Product: Debt collection

Hello to whom it may concern. 

I have been in contact with XXXX  since XX/XX/2019 disputing a negative account and collections account they have failed to provide verifiable proof for. The accounts I disputed have not been verified since then under the FCRA and they have not been able to send verifiable proof after multiple letters I have sent. 

The process of letters sent and received are as follows : 1. Sent first letter to XXXX XX/XX/2019 2. Received a letter from XXXX XX/XX/2019 and XX/XX/2019 3. Sent next letter to XXXX   XX/XX/2019 4. Received a letter from XXXX XX/XX/2019 5. Received a letter from XXXX XX/XX/2019 6. Sent next letter XX/XX/2019 7. Received a letter from XXXX XX/XX/2019 8. Sent next letter XX/XX/2019 9. Received a letter form XXXX XX/XX/2019 10. Contacted CFPB today XX/XX/2019 Every time I have received a letter back from XXXX they have failed to provide me with any copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to DELETE all information which can not be verified. They have also failed to a investigation into my dispute. 

*NOTE* I have attached the documents of every letter sent and received to XXXX. I have also included, on the last page of the pdf, XXXX  deleted the accounts I have disputed with XXXX. XXXX have followed the FCRA and deleted all unverified accounts and XXXX should do the same. Midland Funding has failed to verify this as well.
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 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 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 card or prepaid card

I was offered to upgrade to a Capital One Venture account. With this upgrade, I should have received XXXX points. I contacted customer service last week regarding my issues and was informed the offer would not be honored.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I wrote XXXX in regard to the furnishing of my private information. My credit reports from XXXX, Equifax and XXXX all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - Exclusions, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are bulleted.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 



I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( phone number ). 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I was sent to collections by XXXX XXXX XXXX. I paid in full to XXXX XXXX XXXX and have copies of my bank statements with all the electronic pmts. This is being reported as open by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX / XXXX XXXX has for the second time fraudulently reported a 30 day or more late payment on my credit reports for XXXX XXXX. this issue was filed on the CFPB and the credit agencies last month and XXXX has falsely claimed in response to CFPB and to myself that they had made a mistake and that it will be fixed accordingly. I found out recently that they have reported the same false reporting intentionally damaging my credit and costing me much money and my job. 

Again : XXXX was 28 days, and the payment I made on XX/XX/XXXX is 28 calendar days from the due date and NOT 30 DAYS. 

XXXX XXXX XXXX XXXX have a few bad apples in their credit department and they are seeking personal vendettas against many customers, I'm one of those customers. If XXXX fraudulently lies to the CFPB and myself again about acknowledging and fixing this issue and yet playing it under the table to keep on submitting wrongful information they will be sued for damages and reported to the main stream media.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX ( Original Creditor : PARAGON XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$780.00} ; XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$740.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with XXXX XXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXX XXXX XXXX : Submitted on XX/XX/2024, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/2024, following XXXX XXXX XXXX  's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX XXXX  has failed to meet this obligation.

Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX XXXX  does not have my written consent to share my information.

Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX XXXX  did not inform me of this right.

Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX  XXXX XXXX  's reporting services and sharing of my information. 
Conclusion : XXXX XXXX XXXX  's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX XXXX to honor my rights and process my opt-out request as mandated by law.