23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since XX/XX/2018 I received a bill from a third party PMAB , LLC stating that I must pay the balance of XXXX for an outstanding medical debt. I immediately took action in writing the company asking them to verify my debt, not once, not twice but three times. I was aware of the debt but I wanted them to validate the alleged debt with a breakdown of fees. Additionally under the Health Insurance Portability and Accountability Act ( HIPAA )  Im allowed to protect my privacy and medical records from third parties, and don't recall giving XXXX XXXX XXXX permission to release my medical information. 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 was twofold validation of debt and HIPAA authorization. 
They never could provide a breakdown of fees including any costs and medical charges, nor a copy of my signature with the provider of service to release my medical information to them. However I asked them kindly to cease any credit bureau reporting until the debt could be validated by me. I sent mail certified each time allowing up to 30 days for a formal validation request, which I'm allowed to do so under the FDCPA. Which currently withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of FDCPA because they are deceiving me after my written request. Which was a full documentation of what they received from the provider of service in connection with the alleged debt. Time and time again after reporting this debt to the credit bureaus prior to allowing me to validate it has been violation of the Fair Credit Reporting Act, which can allow me to seek damage from a collection agent.
Product: Debt collection

On XX/XX/2022 I received phone calls from XXXXXXXX XXXX ( XXXX ) XXXX on my tel # 's ( XXXX ) XXXX, ( XXXX ) XXXX as well as them calling my sister. They left messages on all three numbers and went into detail when they contacted my sister which is not a number that I ever provided to anyone for establishing credit. I do not owe a balance and feel that this is a scam. This company use tactics clearly in violation of the fair credit act. I have advised them to cease & desist from calling any number.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

AARGON COLLECTION AGENCY ACCONT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Product: Checking or savings account

I demand immediate action on my account situation. I filed a dispute regarding an inquiry made on my credit report, despite not applying for any personal credit products. As a result, my business account was closed, and my personal checking account was put on hold. Despite numerous attempts to close all accounts, I was told to visit the nearest branch back in XX/XX/. When I did, the banker could not close the account due to an unknown restriction, and I was promised a call from a representative to close the account. It is now XX/XX/XXXX, and I have yet to receive any call, and I am still receiving statements from Truist. To add insult to injury, a {$12.00} maintenance fee has been deducted from my account every month. This situation is unacceptable, and I demand that my account be closed promptly, and the balance returned to me. My current checking account balance is {$110.00}, and my savings account balance is {$50.00}. This can not be legal.
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. Account Name : XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX Funding account XXXX XXXXXXXX 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. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX, 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 to add notes
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please accurately including every notation, date, and balance whether reported or not. 
[ Carmax Auto Finance ] [ XXXX XXXX ] I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. 

You are in Direct violation of the fair credit reporting act has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.
Product: Mortgage

My Mortgage was transfered/sold to LoanCare ( XXXX ) sometime between XX/XX/XXXX and XX/XX/XXXX ; hard to tell due to this company 's false and illegitimate business practice! They stated my escrow account was short for beginning year XX/XX/XXXX, and increased my monthly amount for escrow. I contacted them ( XXXX ) because my required monthly escrow amount increased ; they explained that my home insurance increased. I already knew this, but wanted to speak with this company for first time after reading online reviews. In addition to my home insurance increase ; LoanCare added another immoral fee themselves. So I called to ask for explanation ; why the difference in paperwork regarding my escrow account, I was disconnected after asking to be put on hold. This is my first experience with LoanCare ; as my loan was recently sold to them. After reading the online reviews at this link " https : XXXX '' ; I ask that this company be exposed immediately! These people are playing with homeowners homes ; ultimately, their lives! Is this what the government has allowed our country to become ; it 's hard working citizens being legally robbed.
Product: Debt collection

Contacted them XXXX regarding an amount that is hindering from moving and being homeless
Product: Checking or savings account

On XX/XX/year> I received a call from a person portraying to be a staff member from Chase 's fraud department. He identified himself as XXXX XXXX, and he said that a wire transfer for {$2700.00} was attempted from my account and that he was going to help me take care of it. I told him that I was going to the Chase branch and speak to one of the employees. He said I did not have to do that because he works for Chase. He said a stop would have to be placed and the funds had to be transferred to a temporary account until the investigation was concluded. I did not give this person my account information, however, he seemed to have all of the information already. He said he would call back within 30 minutes after the investigation was done. I never heard from him, and I called the Fraud Dept at Chase, but they said they do not have an employee by that name. I went to the Chase branch the next day and asked one of the staff member to investigate the wire transfer that came out of my account for {$600.00} which I did not authorize ; however, the branch Manager told me verbally because the wire transfer was authorized by me, as the fraud dept had told her. She told me they would investigate and get back to me within 30 days ; but I never heard from them again. I had never done any online banking transactions on my account, therefore, I never issued any wire transfers online. This unauthorized wire transfer for {$600.00} was done on behalf of the person who called me by the name of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

CFPB, this is why us as consumers are credit reports are messed up because the bureas want to put what they want on our credit reports. Ive highlighted yellow loan paid in full. Also I've circled the negative remarks in red. Remove the negative remarks. Definition-paid off loan mean? 
This term is usually used in the context of paying off a loan and means that you have serviced your debt obligation in full
Product: Credit card or prepaid card

I am reporting a problem with citibank ( citi Thank you account ending XXXX ) that took place last winter. I am requesting citi to reinstate the lost points or send me the equivalent monetary value of the earned points. 

I signed up for the above mentioned card under a promotional offer for XXXX citi thank you points. I met the minimum purchase under the terms of the offer and received the XXXX points bonus. I also continued to use the card at time, accumulating additional points throughout the year. 

As the annual fee came due, I decided to consolidate credits cards and not renew this card instead transferring the earned points to another citi account. At the time, my annual fee was overdue, so I called the citi help line to get this resolved and also transfer the points. This call took place on XX/XX/2019. The citi employee who helped me told me that it will take time to unfreeze my account and that I would not be able to see the transfer of points several days later. This employee then proceeded with closing my account and refund the overdue annual fee, therefore clearing my balance. 
I followed with Citibank on XX/XX/XXXX and XX/XX/XXXX and again XX/XX/XXXX as the points had an expiration date and I was worried they will just never transfer and just expire. On XX/XX/XXXX, this call was escalated to a manager who told me that because my account was overdue before closing, they were not able to unfreeze the points, and therefore I will loose them all. 

This is a procedural mistake from citi bank in closing my account and therefore I should not bear the loss of these points. The order should have been to unfreeze the points, transfer them to the requested account, and then close the account per my request. 

XXXX statement has been included as an attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft, someone has mysteriously open accounts using my identity. I have taken the liberty to file identity theft report, I was advised by Fraud department at Experian. I was told under the Fair Credit Reporting Act, the information contain in theft report would be blocked/ deleted at my request. However, after sending the report pertaining to theft, the account in question still remains on my file. I have not done business with the creditors listed in this complaint. I am asking for assisting from CFPB to help me get this matter resolve so I can move on with my life. It has been a complete nightmare dealing with this issue. I tried resolving this matter amicably with Experian. Please assist me, thank for time and attention in this matter.
Product: Student loan

I can't make any payments. I couldn't find where to pay no option to make payment on XXXX.
Product: Checking or savings account

On XX/XX/2023, I canceled the transfer plan that was set up and then called to close my checking account with Citizens Bank. 

I spoke with a woman named XXXX XXXX or XXXX XXXX to have the account closed and she assured me that the account was closed. 

On XX/XX/2023, Citizens Bank initiated a {$10.00} auto transfer of funds from one of my other checking accounts ( with a different bank ) into this closed Citizens Bank checking account and they have yet to reimburse these funds ( {$10.00} ) and guarantee me that these invalid transfers will stop completely, as this is a closed account.
Product: Credit card

I am once again reaching out and requesting your immediate attention to yet another credit reporting problem. I stated reaching out again because it had been well documented from XX/XX/XXXX, to present date, I had to fill numerous complaints against Macy 's in regards to your discriminatory credit reporting practices. 

I am in receipt of the attached XXXX report number XXXX, dated XX/XX/XXXX, and discovered the following reporting problems which XXXX is placing the blame on Macy 's : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, Macy 's is listing on the report does not provide contact with Macy 's but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 



3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XX/XX/XXXX? Where is the data and why was this reporting information being withheld from XXXX? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the XXXX, credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from XXXX. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus? 

I would like for your credit reporting department, your new banking/credit card company and the Executive Office to take a very close look and fix the above-mentioned items immediately. 

I want Macy 's to make sure this information is corrected with all three credit bureaus within ( 30 ) days. Failure to do so will result in immediate legal action. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2017 home depot ( citibank ) sent me a bill for under 100 to the wrong address. I did not get the bill. Have always paid bills on time. I went in person and talked with them and the person in charge of billing..paid the account and closed it. I was assured at that time ( payment only 2 months late ) that they would not report this as a negative to my name, as I was concerned with this. I have a great payment record. I don't need credit now but do not like this on my XXXX report as a " possible negative ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, Ive noticed some unauthorized inquiries according to the ( FCRA ) fair credit reporting act legally These items must be removed from my credit report.
Product: Credit card

On XX/XX/year> I walked in JP Morgan Chase located at XXXX XXXX XXXX, XXXX, XXXX XXXX. As I was making a credit card payment of {$3000.00} to the teller. There was a XXXX American with a XXXX  accent standing on my left side, his attire was dirty as if he was working as an Auto Mechanic, however I over heard the teller that was serving this XXXX XXXX man say to her co-workers why is his clothes so dirty, Thereafter she asks for his identification as well as his Chase Bank XXXX, which he provided as I was finishing my transaction, she then asked that he provide a employment letter and/or retirement documentation, he was then in a confused state. I asked him his name he informed me. He asked why do I have to provide those document her response was " because I never seen you here '' she then inform another employee which was a man to speak to the confused customer. I remain in the bank to observe the awful behavior of the employees. He stated to her that it was his money and he needed it and he already provided her with the necessary documents. That is discrimination he utter and I adamantly agreed. I stated that his money is being held without probable cause, this is a crime and discrimination against him. I'm witnessing this take place and I was respectfully verbal. I walked out the Chase Bank and proceeded to leave in my vehicle, I then return to make sure that the unknown man was safe, and to get his name and number to make a complaint about what transpired. On XX/XX/year> I called Chase Sapphire for a unrelated issue, to no avail a XXXX informed me that my Chase Sapphire Credit Card was closed, I asked why he stated that I will get a letter in the mail I informed him that I pay me credit card payments on time and I begin to cry, because I know I did not do anything to cause this horrible thing to happen to me. So he place me on hold for a few minutes, and inform me that it was close for " Inappropriate Customer Conduct '' I had no idea what he was speaking about, then he asked did I go into any branch and have an dispute with an employee of chase I said no. It did XXXX on my at the present time what he was trying to insinuate. Afterwards while talking to my niece she brought the incident up with the unknown man at XXXX XXXX. I never had any altercation with no employee, so they fabricated a lie and this is why me Chase Sapphire Credit Card was closed this is discrimination against me as well because I insured the safety and fairness of a XXXX XXXX man as I'm a XXXXXXXX XXXX woman.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX Reference number : 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: Credit reporting, credit repair services, or other personal consumer reports

I would like to request an investigation for this account NATIONAL AUTO LENDERS XXXX. The bureaus are reporting late payments on this account which I don't agree. I do not believe I was late on the dates you are reporting. I highly recommend you deliver confirmation that the alleged account was in fact late so you have the necessary practices to make sure you accurately inspect your accusations. This account was reporting a balance of XXXX and the status is already CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Between XXXX, I have experienced multiple issues with the Zelle platform. Funds would be sent to me, withdrawn immediately from the senders account but I would never receive the funds. My bank nor Zelle directly would ever be able to give a concrete explanation as to why. The funds would take up to two weeks to be returned to the sender. This has also happened when Ive sent money as well. It has caused a major inconvenience and financial strain.
Product: Payday loan, title loan, personal loan, or advance loan

Blackwell Recovery failed to provide the necessary validation within the reasonable time frame of 30 days, as stipulated by fair debt collection practices. This delay in response is not only unacceptable but also undermines our rights as consumers. 

While they eventually sent the requested validation, the prolonged delay has led us to the conclusion that Blackwell Recovery no longer holds any valid claim to this debt. Therefore, we refuse to engage in any further business or negotiations with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Product: Credit reporting

I sent a direct dispute to XXXX about a card that is on my credit file. XXXX sent me a letter stating that the delinquent account would be removed from my credit files within 30 days. However, it is still on my Equifax report. Therefore, I sent a dispute to Equifax along with the letter from XXXX showing where they stated the removal of the account from my credit file and Equifax still refuses to remove it off of my credit.
Product: Student loan

I called to get my monthly payment reduced as I am currently not working - was given the option for forbearance. Decided to only do it to ONE of my loans as i could afford the payment for the other. They put the incorrect loan in forbearance therefore making my account past due as I was under the impression I did not need to make payments on the larger balance loan.