23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Mortgage

I fell behind on my mortgage XX/XX/XXXX as a result of a significant piece of my income being removed. In XXXX XXXX XXXX started foreclosure procedures against me and at that time, I filled out the paperwork for a loan modification. I sent the hardship letter and all documents they requested. They approved the loan modification on a trial basis. I had to make XXXX payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. I did this by calling them as instructed, paid it over the phone, once cleared they provided me a confirmation number and I recorded that, as well as, the agents number. In XX/XX/XXXX during the last part of this modification, XXXX XXXX told me they sold my mortgage to Selene Finance. AS I paid the last of the three payments, I asked the agent, if they were going to send me my modified agreement and I was told no, XXXX XXXX would be doing that. I never received an introduction letter from XXXX, however I did receive an invoice showing that I owed in excess of XXXX. I sent them a letter, with all the documents requesting where I send the modification payments too, and asking where the documents were that I was told they would send. I received a letter from them stating they would look into it over the next XXXX days. I waited and waited. By XX/XX/XXXX, XXXX I sent them another letter, along with a check for close to XXXX to show I was holding the payments for them, I just needed them to send me the documents and tell me what else I needed to do for this modification. I pleaded with them. They sent me a letter and told me I was denied because I stopped making payments. Now my house is up for Sheriff sale on XXXX XXXX, XXXX - just XXXX days away. I feel like they duped me and they are n't honoring what they should be. In addition, I cant see where the payments I sent XXXX XXXX were ever applied either. I need help ASAP, I am about to lose my home and feel like I have no way out and on one on my side. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Review my credit report, and I've noticed some discrepancies and you see the attached for details. Please help I am trying to get this account that was created by identity theft off my report. This is restricting me in my financial life providing for my parents, fianc ' and child.
Product: Credit card or prepaid card

A credit card for the company of Fortiva was opened by someone who was not me
Product: Credit reporting 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. 


Account Name : 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 XXXXXXXX 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  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: Debt collection

Something called IC Systems reported to my XXXX  report on XX/XX/18 that I owe {$260.00} for something called XXXX XXXX XXXX XXXX XXXX. I looked them up because I have never heard of them. It appears they are a cable tv system or such. I have never had cable tv in my life. Dont have a need for it so I have never purchased it. Furthermore, I asked them to provide me with MY identification used to open the account and they are unable to do so. It is NOT mine and MY identification was NOT used to create this account. Therefore, I want this account removed because it is NOT mine and they dont have any identifying proof of my identity showing that it is.
Product: Debt collection

PIN CRED SERXXXX XXXX 2013Closed {$820.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an installment loan opened at XXXX on XX/XX/year>, under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card

I Called after disputing this account with Chime and they said that its correct but its not showing a correct account balance I paid my account in full but still have an remaining balance of {$140.00}
Product: Payday loan, title loan, or personal loan

I received a loan for {$2600.00} from XXXX XXXX over 5 years ago which I defaulted on. They sold my account to XXXX XXXX which I had an arrangement set up to resolve my account in 2 payments in XX/XX/XXXX ( I have the email correspondence still ). Mountain Lion ( D Scott Caruthers ) starting contacting saying that I still owed on the XXXX XXXX account. They would harass me at work which resulted in me filing a formal complaint since I asked them multiple times to not call me at work. In XX/XX/XXXX, they started garnishing my wages. They have already taken over {$4600.00} from my paychecks to date. For a {$2600.00} loan ( which was resolved in XX/XX/XXXX ), I have paid back over {$7500.00}.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

On XX/XX/XXXX we contacted Arvest regarding options for home loan modification or options as we qualify according to our lender. When I called Arvest to get information they said We do not let anyone speak to the people that handle this. Terrible policy especially when you are needing to know your options. 
They then tell us to fill out paperwork for hardship assistance but it isnt available and must be mailed. 
We call back 3 weeks later as it was never mailed. We have informed delivery from the post office and can prove it was never mailed. I spent another 30 minutes and they said they would mail it. It never arrived. Instead they sent us a small loan application. Then we call again and request the application. No letter. This time we get a letter to remove authorization of a user. Still no application. Finally, today we get more mail from Arvest but not the hardship letter. So 3 letters from Arvest have arrived in the time 0 letters regarding our hardship. Closing in on 6 weeks they have delayed our options costing us now 1 mortgage payment and another as the process will be delayed. 
We qualify for hardship assistance from our lender but Arvest the services refuses to do their duties. Theyve failed to do their due diligence acting as servicer, delayed paperwork critical to our mortgage, have policy that is anti-consumer by refusing to let you speak to someone regarding options and are misrepresenting facts regarding the mailing of the documents.
Product: Credit card

Flew with XXXX XXXX XXXXXXXX XXXX XXXX on XXXX from XXXX XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX Agreed and paid advertised total charge online with Citibank Costco credit card visa ending in # XXXX an amount of {$1300.00} XXXX. At airport was compelled to pay additional charge in cash for two suit cases by XXXX XXXX agent {$120.00} XXXX or will not issue boarding cards. During flight had no TV/internet on both seats as advertised & could not move to other seats since plane was full - incident was reported to flight attendant sup. who alerted XXXX maintenance operation via Email. On arrival at XXXX XXXX, found one of the suit cases has been broken/vandalized by XXXX baggage handlers & personal belongings thrown all over conveyor belt. Reported incident to XXXX luggage handling supervisor who assured us to convey message to XXXX authorities. Subsequent to flight, received Citibank visa credit card with additional overcharges by XXXX of {$130.00} on statement for same subject flight. Was compelled to open XXXX claim online for this incident case # XXXX & case # XXXX who through numerous Emails used contradicting excuses for not paying anything on said claims and lying about it by providing different bogus reasons. 
Subsequently, when reporting the issue to Citibank Visa XXXX XXXX XXXX. sup. XXXX XXXX ID # XXXX Arizona office Citi ID # XXXX XXXX XXXX & ID # XXXX XXXX XXXX and the Office of the President at XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Citibank agreed to reverse the charges. However, when they heard from XXXX that we actually did fly with XXXX, they re-reversed all charges and put them back on my statement including interest & penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureau is reporting an account for XXXX XXXX as closed/ charged off that does not belong to me and it's affecting my ability to obtain new credit. I have disputed this account already months ago to no avail.
Product: Credit reporting or other personal consumer reports

unauthorized access to personal information XXXX XXXX XXXXXXXX
Product: Debt collection

PLEASE SEE THE ATTACHMENT DOCUMENTS FOR THE FOLLOWING ACCOUNTS. DELETE ASAP, WITH XXXX DAYS
Product: Checking or savings account

My account was marked as restricted and Ive been unable to move or withdraw funds since early XXXX. I sent numerous messages through their customer support chat. I called on XX/XX/XXXX and XX/XX/XXXX and was told the restriction would be removed by XX/XX/XXXX. This did not happen. I called again on XX/XX/XXXX and XX/XX/XXXX and was told my case was still in the queue both times. Yesterday, XX/XX/XXXX, I requested to close the account and have my money withdrawn or transferred out.
Product: Mortgage

My mortgage company, Flagstar Bank refuses to remove reported late payments from my credit report, for the months of XXXX and XXXX, 2020. A lump payment of over {$17000.00} was bank wired to Flagstar to accomodate all fees, payments due, and excess funds into an Escrow and Overage account. Flagstar admitted in writing this payment was received and processed prior to XX/XX/XXXX, yet they continue to report XXXX payment as late when it fact my mortgage was legally and fiscally up-to-date the day the funds were accepted. 
Flagstar also proceeded to charge a late fee for my XX/XX/2020 mortgage payment in spite of receiving another electronically wired mortgage payment plus additional " shortage '' fees paid as requested.
Product: Vehicle loan or lease

I was denied XXXX interest rate reduction by Toyota Financial Services. I provided proof that I was on military orders and provided proof that I was not on orders on the date of purchasing the vehicle. The system they use to prove that I was not on orders is faulty and I even contacted a military legal office and sent them a letter from one of the judge advocates and was still denied even though we provided evidence that they were wrong. If you have any questions, please let me know. It has been 5 months with this issue and is getting tiring.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOFI LENDING CORP. and XXXX have been and are reporting inaccurate information on my credit report. SOFI LENDING CORP. and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. SOFI LENDING CORP. and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and SOFI LENDING CORP. asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and SOFI LENDING CORP. of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor SOFI LENDING CORP. have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to SOFI LENDING CORP. on XXXX/XXXX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : SOFI LENDING CORP Date : XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX, Request to Opt-Out of Information Sharing Dear, Aura I am writing to formally request that you process my opt-out request under the provisions of 15 U.S.C. 1681b ( e ) and any relevant sections of the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I understand that I have the right to opt-out of certain disclosures of my personal information to non-affiliated third parties. Therefore, I request the following : XXXX. Please refrain from sharing my personal information with any non-affiliated third parties for marketing purposes. 
XXXX. Confirm that my request to opt-out has been processed and that my information will not be disclosed without my explicit permission. 

For my records, my personal information is as follows Please provide me with written/email confirmation that my opt-out request has been processed. 

Thank you for your prompt attention to this matter. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have A XXXX XXXX on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

.
Product: Credit reporting or other personal consumer reports

This is the second time I have asked Wells Fargo to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By LAW Wells Fargo is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Fraudulent use of my Barclays XXXX Mastercard which has been entirely in my possession and not used for a year. 

XX/XX/XXXX Phone call dispute of charges with Barclay. Assured that Barclay XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX Barclay Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee Barclay XXXX Mastercard reverses fraudulent charges BUT Barclay reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to Barclay XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with Barclay XXXX Mastercard to XXXX and awaits response.