23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I noticed a debt collection from Bull City Financial Solution on all three credit reports. I did not receive anything in the mail regarding this alleged debt that Bull City Financial Solution claim that I owe. I am letting Bull City Financial Solution know there claim has been disputed and I have no contractual agreement with them. 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 ( HIPPA ) 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 HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA 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, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will 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 the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to XXXX through the dispute process, and with XXXX, to at least 7 people who all refuse to listen, and simply refer me to XXXX, claiming it is their problem. XXXX tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. XXXX  point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by XXXX occurred. XXXXXXXX XXXX XXXX has also changed from XXXX, to XXXX, to XXXX and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at XXXX confided with me that my situation is not atypical, and XXXX as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with XXXX who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!
Product: Checking or savings account

This is my final request to have the remainder of {$230.00} in overdraft fees rebated to me before filing in small claims.     I am being represented by  XXXX   XXXX  Firm.     I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX     2017  even though I never elected to have overdrafts allowed on my account. I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded or I will bring the matter to small claims.     My Account number is  XXXX .
Product: Debt collection

Credit Bureau System has reported 2 collections against my SSN for the amount of {$140.00} and {$60.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the alleged debt from this company on XX/XX/2019 and after 30 days with no response I decided to call their office to follow up on XX/XX/2019. After making contact with the representative, she proceeded to tell me that the accounts being reported against my SSN had a different name and that there was an additional collection of {$360.00} set to report against my SSN. Not once have I received correspondence from this company in regards to this alleged debt and I believe that my FDCPA/HIPPA rights have been violated. I immediately did not feel comfortable with continuing the conversation based on the information I received from the representative. As a debt collector, it is their responsibility to ensure that ALL INFORMATION IS REPORTED ACCURATELY IN RELATION TO THE PARTY IN QUESTION. Credit Bureau Systems has not been able to validate this debt, they have the incorrect name filed for said accounts, and they are reporting amounts that are not consistent with what's showing on my credit reports.
Product: Credit reporting or other personal consumer reports

This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
The accounts in question are listed below : 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 XXXXXXXX Under the Credit Reporting Act, 15 U.S.C 1681g I have a right to demand that you disclose me all of the documents that you have recorded in your file at this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax, and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 15USC 1666b 15USC 1681 a ( 2 ) ( a ) ( i ) 15USC 1681a ( 2 ) ( b ) 2021 its publication 4681 15USC 1681a ( 3 ) 15USC 1692g 15USC 1692c 15USC 1692j 15USC 1681b ( 2 ) 18USC 1028a 1 Account name. 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 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  XX/XX/XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 A1 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

I was a victim of identity theft and filed an identity theft report and police report and Penn Credit just ignored this information and claimed the debt is valid which is FALSE
Product: Credit reporting or other personal consumer reports

It was brought to my attention upon checking my credit report. There is an account owned by One Main Financial opened around XXXX owed a debt. I have no knowledge of this account and has been confirmed fraudulent. They have failed to respond to Debt Validation as well as a Debt Verification Request to confirm ownership. They have validated my rights protected under 15 USC 1681 privacy and confidentiality.

As well as 15 USC, ; Regarding accuracy.
Product: Money transfer, virtual currency, or money service

I am filing 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 was 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments which Transunion report on XXXX  XXXX XXXX, XXXX XXXX. I was not late paying the account. This is current. I disputed the accounts and ask for evidence of such late payment but all they gave me was a computer generated print out which is unacceptable by the FTC. An itemized printout does not represent verification..Remove this error from my credit report
Product: Debt collection

This collection of {$360.00} is being reported on my XXXX XXXX  account. The company has not sent me anything about this debt or what it is about or anything. I want it removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts below from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase on XXXX. I never received the item from the seller. I contacted him several times, he refused to reship or refund, he refused to make a claim with his shipper.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Consumer reporting is providing false information to the financial institution and depriving me of my right to open a bank account with the financial institution
Product: Credit card

I had a promotional balance expiring on XX/XX/2024. On XX/XX/2024 I called the credit card company to make a payment towards the promotional balance. The customer service rep told me in clear terms that since we were within the 30 day period before the promotional balance ended, any payment made would automatically be applied towards the promotional balance. My intention was to pay roughly half of the promotional balance on XX/XX/XXXX and then the remainder on XX/XX/XXXX. I NEVER pay by phone, always online. I specifically made the phone payment and told them to apply to the promotional balance. They did not object and said it would be applied automatically. 

On XX/XX/XXXX, I logged onto my account to make a payment only to see that my previous payment had not gone towards the promotional balance as I had specifically requested and been told that it would. I called the credit card company to inquire as to why it did not and to make sure they corrected the issue. The rep told me that they could not do that and that only the amount of the payment above the minimum payment would apply towards the promotional balance. The rep I spoke to on XX/XX/XXXX specifically told me that prior to the 30 day closing period before the end of the promotional balance, excess payments go toward the promotional balance. However, once you are within the 30 day period ALL payments go toward the promotional balance. 

I asked to speak to a supervisor and was given many excuses for why they were unable to get me to a supervisor. I was put on hold for 30 minutes until they disconnected me. 

These practices are downright predatory and fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Student loan

I filed for permanent XXXX forgiveness first of XXXX. They said my forms was incomplete. The reason was My XXXX didn't state if I will have a 2 year review. So I sent in everything that needed XXXX XXXX of XXXX. Stating that my XXXX is permanent and if my XXXX was to have reviewed it would state it on my XXXX papers. I also stapled all papers again together. I have not heard anything from them. Try emailing and dont get answers. They keep adding interest to my account. My orginal loan XXXX now little over 17,000. I think they keep avoiding to add interest. My loan was in debreavince before and they keep adding interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my credit reports and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. I will be in the process of applying for new loan transaction and the error will cause problems with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current & only address shown should be : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My Valid Associated Names are as follow : XXXX XXXX XXXX XXXX XXXX My current & only phone number shown should be : XXXX My current & only EMPLOYER shown should be : XXXX XXXX
Product: Mortgage

I did Pay Off the amount of my mortgage and New Rez show paid off but it still in mt credit report
Product: Mortgage

I got this letter in the mail that I never had asked or even inquired about and it's from Rocket Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX  Inquiries : XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX CHILD SUP XXXXXXXX