23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
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 for ( XXXX XXXX XXXX ) 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 patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA. Authorization Please provide a 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 mailing address listed above and accept this letter 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 FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

XXXX XXXX XXXX XXXX Balance : {$2000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report at CreditKarma.com I found that they were using my personal identifying information without my written consent. on XX/XX/2022
Product: Debt collection

I received a notice to appear at small claims court in XXXX, MA on XXXX/XXXX/XXXX for a XXXX XXXX.. The case was with XXXX XXXX XXXX for an old credit card bill I owed to XXXX XXXX XXXX in the amount of XXXX + ore-judgment interest of {$33.00} and court fees of {$50.00}, {$720.00} total. 
I got behind on some several credit card bills when I went through XXXX treatment in XXXX. I am a single, divorced woman, XXXX years old. I am employed as a XXXX and was out of work for XXXX months during my treatment and went back to work part-time for five months before being able to return full-time in XXXX. 
The lawyer for the case was XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I fought to get the amount lowered because of excessive interest I ha been charged, and the Agreement for Judgment was that I would pay {$20.00} a month on the amount of {$460.00}. I made these {$20.00} payments each month until last XXXX, when I forgot to mail the payment on time, I worked on XXXX XXXX and XXXX to make a little overtime money and save the holidays for snow days, ( which came in handy ). The check I filled out to mail was dated XXXX XXXX ; however I decided to send {$40.00} instead and mailed the check on XXXX XXXX. Because I put " XXXX '' as the year, the check was returned to me. I promptly send XXXX for {$60.00}, which covered XXXX, XXXX, and XXXX payments. I have my bank statements to prove that XXXX received the XXXX check. However, On XXXX XXXX I received the XXXX of a number of harassing letters telling me I had failed to comply with the order and to contact their office. I made my payment of {$20.00} in XXXX and was aware that I had a " Payment Review '' coming up on XXXX/XXXX/XXXX. I was angry that XXXX was sending me these letters and would probably force me to pay the whole amount or even add penalties, so I sent them a letter on XXXX XXXX, XXXX and enclosed a check for the balance I still owed on the original {$460.00}, which was {$160.00} according to my records. In the letter I explained how I got slightly behind on payments at the end of XXXX. I did not go to the court review because my XXXX, XXXX, went to the XXXX for {$15.00}. '' I received a warrant from the XXXX County Sheriff dated XXXX/XXXX/XXXX to appear at XXXX District court on Wednesday, XXXX XXXX at XXXX. I am assuming that this warrant was sent from XXXX. I would like it if someone would accompany me there, but if this is not possible I will inform you about what happens at court on that date. Thank-you.
Product: Credit card or prepaid card

On XX/XX/XXXX, Chase Credit Card Services processed a payment on a credit card for full statement balance, when a lower payment was set on my end with autopay. I had my bank reject this, at a fee. They never admitted fault, but I updated my account to use the correct balance and double checked my settings for my other credit card to make sure it was set up correctly. On XX/XX/XXXX, they did the same with the card I verified on the XXXX was set up correctly and charged the full amount. They are saying this is my fault when I know I logged in on the XXXX and verified it was set up correctly. They are refusing to admit fault and refuse to accept my bank fees I have incurred as a result of their mistake.
Product: Credit reporting or other personal consumer reports

XXXX ran my credit without my permission and I have already reported this to XXXX they informed me they would be removing it from my credit file but Transunion has not done so.
Product: Debt collection

I requested debt validation per Texas Finance Code Section 392.202 which requires a debt collection agencyor credit bureau to provide the alleged debtor with specific information concerning their debt. 

They received by request via certified mail on XXXX and as of today, XXXX, I have not received any response from them. 

According to Texas Finance Code 392.202 ( b ) ( 2 ) the this debt collector had XXXX days to respond to my request and they have failed to do so.
Product: Mortgage

On XX/XX/XXXXBayview Loan Servicing ( BLS ) bought our Mortgage Loan from XXXX XXXX. 
Since XX/XX/XXXX, we have had nothing but headaches with the new XXXX XXXX XXXX. 
We have made ALL ( 100 % ) our monthly payments on time ( {$2600.00} ). 
We do pay our Property Taxes and Property Insurance on our own ... no need for an escrow account. This is exactly the same way we did operate with XXXX and how the terms of the loan were approved by XXXX and ourselves. 
We made several phone calls to Bayview Loan Servicing ( BLS ), left messages and not only that NOBODY did return our phone call messages, worst is that nobody from BLS was able to make a correction to our claims and they keep insisting in that we owe them money..!!? 
A letter from them dated XX/XX/XXXX was recently received telling us of an " intent to accelerate '' and that we're in default. 
A lender like BLS doesn't not deserve to be a part of our community. 
When we tried to make our payments on line, either the website is not working OR they are listing a phone number that offers you many different products to be purchased!! 
Instead of making it easier for the customer to make their payments ... .sometimes we wonder if what they do is trying for customers to either miss their payments on time, so that they can collect outrageous fees..!!

Attached you'll find copies showing : 1 ) Letter Notice of Default 2 ) Letter showing Property Taxes paid up-to-date 3 ) Property Insurance Installment Notice showing we're paid up-to-date
Product: Checking or savings account

On XXXX I was a victim of fraud in which a check was stolen, washed, and digitally cashed in the amount of {$1500.00}. I filed two police reports as well as a report with Bank of America. They refused to credit my account the {$1500.00} until I threatened to leave the bank. They then gave me a provisional credit while the 90 day investigation took place. In that time I was given no updates and on XX/XX/year> they reversed the provisional credit and deducted the {$1500.00} from my business account. As the customer, I do not feel protected AT ALL by Bank of America. I want my money credited as it is not my fault the bank allowed fraud to occur on my account. There was XXXX communication to me about any further information needed from me for this claim. The bank stole from me and made no attempt to protect me or my business.
Product: Debt collection

Called Caine and Weiner in response to debt collection letter that was mailed to me. 
phone number on document : XXXX URL on document : XXXX  Was told by the recipient of the call that " in order to determine whether or not I was eligible to dispute the debt I would need to provide payment information over the phone. '' I had already provided some information and thought that providing a credit card over the phone was sketchy and that I would not do so. 

I also visited the website where they wanted me to consent to provide information that I was uncomfortable providing. 

I have no reason to believe this an actual debt of mine. Furthermore, I have my doubts as to the legitimacy of this " debt collector '' or their means of collection being legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has led to unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have appeared on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I thought I was paying a debt I owed to the a state of California agency. This caused distress as I am a XXXX XXXX XXXX. I paid the debt not realizing that it was actually a debt collection company for medical debt. The name California Business Bureau is very misleading and is purposefully intended to trick consumers and pressure them into paying by associating itself as a state agency or credit bureau. 

Pursuant to Federal Trade Commission ( FTC ) Opinion Letters XXXX ( XXXX ) and XXXX ( XXXX ), CALIFORNIA BUSINESS BUREAU, is in violation of Section 807 ( 16 ) of the  FDCPA which states " a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' This company is engaging in capricious activity and attempting to mislead consumers by associating itself with the state of California and as a credit bureau.
Product: Consumer Loan

In response to Wells Fargo Dealer Services, the company is still charging me for warranty amount attached to my monthly payment each month since the warranty was refunded at {$1800.00}. or so. This is the illegal part of the matter. 

There is still money due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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.
Product: Debt collection

2014 I signed up for XXXX XXXX XXXX using a hot spot tablet. Worked with a salesperson named XXXX XXXX @ XXXX, XXXX XXXX XXXX, XXXX, VA XXXX office. Wonderful to work with until there was a problem. Account was sold as unlimited access but there would be charges if you went over 10 GB so XXXX XXXX sold me in that she would set up my tablet so it would not allow me to ever exceed the max data allowed, so that I would not incur additional charges. Pleased with that, knowing I would not exceed a fixed monthly amount, I proceeded with the service. Next thing I know, I am receiving a large bill from XXXX in the mail. I call, they said I exceeded data, I said oh no, and please shut this thing off now until this is resolved. They didn't. Next thing I know I'm receiving a bill in excess of {$1500.00}. I call back, said I told you to discontinue these services and they finally shut down the account, but with no resolution on fees, just making sure it was closed so I incurred no more charges, but for resolution they told me I had to contact the local store that gave me their word the account was set up to not go over maximum allowable usage before costing me more. No one could ever prove that I did or how I did go over the limit that was to be set up on my account. They said they couldn't prove it, and that was just the balance and my obligation. I literally spent hours over months chasing down managers at both local and regional levels, explaining myself over and over, some phone calls returned, some not, and never any resolution. Now I continue to receive collection notices for 3 times the original and incorrect amount, impacting my credit, due to deceitful practices and inept employees and I need closure. XXXX is big and they don't care on any level about the consumer. They're only worried about their sales goals and bonuses. XXXX needs to adjust this bill and stand by their word and whatever comes from their employees as well, or train them better. XXXX is notorious for this type of thing I have learned, and these tactics, and that should not be acceptable or allowed. The consumer is the victim and at their complete mercy. XXXX needs to keep their word and deliver what they sell. Average consumers like myself don't understand all this high tech. Make them explain it. Make them accountable, too, it shouldn't all be on the consumers. Maybe it's time this industry has disclosures and notices like some of the others, make your major purchase clear and concise, particularly the part about how it can quickly ruin your financial picture with your affiliation with them. They should do more educating than selling. I already have a full time job and can't afford to continue chasing this problem, nor should I have to pay an attorney to be involved. I appreciate your time and assistance with this problem. Thank you.
Product: Credit card or prepaid card

I have a {$4800.00} credit with American Express that they owe me. Since the XXXX of XXXX I have been trying to get a refund so I can close my account. They said they could only issue a check A wire transfer directly to my bank would cost me. They supposedly issued a check on XXXX XXXX. I was told they would expedite it and should have by end of week. No check, called was told i got wrong info takes 5-7 business days. Waited still no check then told no 7-10 business days. Have still seen NO CHECK! called talked to a supervisor XXXX and he said he would initiate a wire transfer and expedite it so should see it in my bank no later than XXXX No money. Called yesterday the XXXX talked to a supervisor said it showed was initiated on Monday but would take 3-5 business days, lied to again! Told them that was not ok I needed my money, they expect theirs on time. Called today was told no supervisor available right then but she said she would call back in 1-2 hours. no call so called again then she was in a meeting ( after waiting another 2 hours. Just talked to XXXX who was XXXX finally talked to XXXX who said they just initiated the transfer yesterday! now again 3-5 days. This treatment is NOT ok. I pay XXXX $ per year and extreme high interest rate that even with an above XXXX credit refuse to lower. I have been extremely mistreated and LIED to time and again. Is this how they earn there money? I guess there stock holders and President don't care as long as they get there big dividends. Something should be done if you really care about the people you should care about. It is your job to protect the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX They were supposed to update credit bureaus as of XX/XX/XXXX info since my wifes been calling since XX/XX/XXXX as it is closed then open on both our credit reports and, I did threaten to sue them for the pain and suffering it has caused. It has been closed and opened since XX/XX/XXXX off and on. We originally told we would get a new acct number since we redid our loan. 

They are taking their time meanwhile harassing both of us by phone call after phone call. Spoke to a XXXX who claimed it to be XXXX at fault for reporting false information. That they submit information and, its up the credit bureaus to accurately report. 

My credit shows the account as being closed as she is the primary holder updated on XX/XX/XXXX on XXXX. The letter we received from Experian shows it was closed with no balance as of XXXX on XX/XX/XXXX.
Product: Debt collection

I had a consumer cellular phone they claim I owe them money which records show I paid in full but the reported it to the credit report a collection I paid the account in full again see attachment but it still on the report as unpaid I have sent proof over and it was paid including a letter from consumer stating its paid in full, also proof the XXXX XXXX is paid in full but still not up dated on the three crediting reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This Finance Company sold my mortgage to  XXXX   XXXX  and also is reporting public credit report EQUIFAX that I still owe a mortgage loan. My account ins blocked in their website
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification and the information requested from the list of acceptable of which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX Account : XXXX Subject : Formal Dispute of Charge-Off Notice of Violations Under Federal Law I am writing to formally dispute the alleged charge-off you have reported to the credit bureaus. Under federal law, you are required to ensure all information furnished is accurate and compliant with the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). After reviewing my credit report, I have identified violations of the following federal statutes : 1. 15 U.S.C. 1681s-2 ( a ) You are required to report only accurate and verifiable information. If you are unable to prove the validity of this charge-off with proper documentation, you must immediately remove it. 

2. 15 U.S.C. 1681b ( a ) ( 2 ) You must have a permissible purpose to continue reporting an account post-charge-off. If you can not provide evidence of my direct consent, your reporting is in violation of federal law. 

3. 15 U.S.C. 1666 Under the Fair Credit Billing Act, I have the right to dispute any billing errors or inaccuracies. You must provide a full investigation with verifiable documentation supporting this alleged debt. If you can not, this charge-off must be immediately deleted. 
Failure to correct these violations will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel for willful non-compliance. 
I demand the immediate deletion of this charge-off from all credit bureaus. You have 30 days to respond with verifiable proof or confirmation of removal. 

This letter serves as formal notice under federal law. Failure to comply will be met with all available legal remedies. 

This account was written off as a charge-off, and I never received a 1099 cancellation form. Because this account is inaccurate, it needs to be removed. 

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

Equifax isnt allowing potential creditors too pull or view my credit report. Ive called them several times about this and they continue too say that it isnt locked or blocked on their end.
Product: Credit reporting or other personal consumer reports

AES/PHEAA and XXXX took over my loans when i was told i had to consolidate them by the XXXX XXXX XXXXXXXX website at one point. I called myself several times to have the inaccurate missed payment data updated as i was enrolled in school at that time and they never updated it. I would get hung up on or put on hold for hours at a time. I finally put in through XXXX and XXXX to get the changes made and they were incorrectly updated again and i was told that there was nothing i could do but file this complaint. All of my other credit is perfect except for these XXXX loans that are XXXX my credit because the providers are not updating the records correctly.
Product: Debt collection

This was part of covered medical expense. I was not aware any balance was due, nor was able to confirm the amount shown in collections is even valid. I was informed by XXXX XXXX the balance was XXXX.
Product: Credit reporting

XXXX has a satisfied collection on my report from XXXX .I contacted XXXX they have no record of bills or contract.please have this removed immediately thanks