23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved a letter regarding an alleged debt from PCM mangement ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ). I sent them a certified letter on XX/XX/2020 regarding them having unauthorized access to my medical information. Specifically i attached this language in the letter : " Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. " I am very concerned about a 3rd party having access to my medical information without my consent. They have refused to respond to my request for validation.
Product: Credit reporting or other personal consumer reports

I have disputed this inaccurate unverifiable account on my consumer report 3 times prior and the reporting agency has not lawfully validated the account with proof but the inaccurate information remains on my report hindering my ability to obtain credit. I have filed compliants with the cfpb multiple times and even they did not remove the account Experian continues to violate my right and refuses to do a proper investigation as required by law. I am requesting that the data furnished either provide the adequate proof of validation as required by federal rule of evidence which means the ORIGINAL contract or promissory note, a copy will not suffice or it has already been ruled noncompliant or a deletion from my report immediately. This report is to raise awareness that I have gone through the proper channels to rectify this matter before litigation and will be submitted as evidence in case of litigation which seems to be my only option at this point. Please delete the following account immediately!! 

U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX XXXXXX/XX/XXXX XXXX : XXXX If anyone even with out experience looks at this report that can point out multiple inaccurate items on these accounts there are gaps between months of payment and a bunch of other things and to be completely honest I dont have the time to point out each error but I have documented my correspondence with the agency including my 3 previous report to the CFPB. I have the truth proof the law and I will seek remedy. Most importantly the accounts are illegally reaging cause this to stay on my report for longer than allowed by law. Please provide the original document that allows the creditorto collect or report on this debt that is required by law or delete immediately.
Product: Mortgage

Nearing the end of Covid related forbearance I applied for a modification long before the final months of forbearance. Modification was quickly approved. I made 3 trial period payments ; each on-time. I was informed by Flagstar I could not set up auto pay until the modification was finalized. I then made a 4th payment, again, on-time. I then received documentation that the modification was finalized and logged on to set-up auto pay. I learned then, XX/XX/XXXX that Flagstar had included an escrow for property taxes and homeowners insurance on the new mortgage when there had never been one previously. I contacted Flagstar customer service on XX/XX/XXXX and was told many modifications department personnel had been hired just to process the flood of modifications and many new loans were being set up incorrectly. I was promised new loan documents, reflecting the proper payment amount without an escrow for taxes and insurance would be mailed to be by XX/XX/XXXX. I have, since XX/XX/XXXX spent more than 10 hours on the phone with various customer service personnel in both Flagstar 's escrow and modification departments. Modification keeps closing escrow resolve case numbers saying the modification department says the modification is done... 
It is now XX/XX/XXXX. I have yet another mortgage payment due no and the amount of the payment continues to be over XXXX dollars a month more than it should be. I was not informed an escrow account had been added to my existing mortgage during the modification so I already made my property tax payment in full. Now today, after 4 long calls with Flagstar, a modification department supervisor says it is a XXXX XXXXinvestor requirement that escrow accounts be on all modifications. Strange that today is the first and only time anyone at Flagstar has claimed this requirement or ever advised me of it. Now I am told Flagstar will analyze the escrow amount once a year and return any excess ... even though the amount they are holding is clearly well in excess of amounts needed for taxes and insurance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with Credit Acceptance and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal continues to disclose ( communicate ) nonpublic personal information to a nonaffiliated third party. I have sent in a Cease and Desist in accordance with 15 U.S. Code 1692c - Communication in connection with debt collection The letter is dated XXXX XXXX XXXX, confirming that they received my Cease and Desist but as of today XXXX XXXX XXXX, they continue to communicate with the nonaffiliated third party ( credit reporting agencies ). 

Pursuant to 15 U.S. Code 1692a ( 2 ) - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

Since they are still communicating despite my cease and desist, they are in violation of 3 codes in counting. To include 15 U.S. Code 1681n - Civil liability for willful noncompliance.

I will be sending Navy Federal an invoice for each violation ( {$1000.00} each ) by USPS with a tracking number.

I have attached a copy of Navy Federal confirming that they received my Cease and Desist.
Product: Money transfer, virtual currency, or money service

XX/XX/year> - Sent {$40.00} through Chime after confirming with scammer on XXXX the amount for item to be shipped XX/XX/year> - Scammer said payment failed and tried to request from me again. I refused XX/XX/year> - Reached out to the scammer about shipping item and found I was blocked. 
XX/XX/year> or XX/XX/year>? - Reached out Chime customer service about somehow reversing or cancelling the payment. Wasn't possible to reverse the payment and was not given much information. 
XX/XX/year> - I filed a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : Recently I inquired about my credit report through the credit reporting agency Experian.com I noticed some addresses on my report that were wrong. Through the website 's dispute system I have submitted an allegation for each dispute. I was provided with reference/report numbers for each allegation.

I am contacting the consumer finance bureau in order to make sure my these complaints are resolved, for me, by the credit reporting agency in a timely manner, and through by its notice resolution is provided to me without me having to look for it ; by means of US mail / E-mail or through the Consumer Finance Protection Bureau. 

Experian.com provided me these reference # 's as a receipt of my disputes a I had reported them. I was provided the following : Address id : XXXX Report # : XXXX Address id : XXXX Report # XXXX
Product: Credit reporting or other personal consumer reports

My wallet identity was stolen in XXXX of 2020 while out with my friends.. My idenitifying information was in my wallet at the time of losing it ( driverslicense, social security card, and a few credit cards ). I found out that my information was used illegally to open up fraudulent accounts ( credit card, anapartment lease, and utility bill. There were also XXXX fraudulent inquires made without my permission as well. I would like for all of these items to bedeleted from my credit profi le immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

Midland credit was reporting this on my credit accounts. They did remove it after a previous complaint with the CFPB but they have now reopened the case on my credit reports as of XX/XX/2023. This is an XXXX tactic to prolong the collection. Not only by Midland but also by the XXXX that allowed a removed account to be reopened without notification by either. Midland credit is violating the FCRA 605 ( c ) which is a XXXX fine. They are also reporting a collection as an open account which is also a violation of the FCRA.
Product: Mortgage

I recently accessed the Huntington Bank mobile application to make my monthly mortgage payment and was alarmed to discover that the amount had unexpectedly increased from {$3500.00} to {$4100.00}. I was not notified of this change or provided with any explanation. Upon contacting the bank, I was informed that my property tax had purportedly increased from {$6500.00} to {$11000.00}. 

What is particularly concerning is that this substantial increase in taxes appears to have been implemented without verifying the adjustment with XXXX XXXX. This oversight could have serious financial repercussions, as it risks causing missed payments and negatively impacting my credit score had I not noticed the error. Such a lack of communication and due diligence is deeply disappointing and undermines trust.
Product: Credit reporting

I do not owe this company any money. I never received any product.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX you showed with action in a court of law that no international, federal, and state laws governs you with action in court and the laws are there just to serve your corporation or other corporations like yours so thank you. 
And you can tell me why this notary law from virginia doesn't matter ever? 
Section 47.1-15 : Prohibitions A notary shall not : 1. Notarize a document if the signer is not in the presence of the notary at the time of notarization, unless ( i ) in the case of an electronic notarization, satisfactory evidence of the identity of the signer is established in accordance with 47.1-2 or ( ii ) otherwise authorized by law to do so.

2. Use the official notary title or seal to endorse, promote, denounce, or oppose any product, service, contest, candidate, or other offering.

3. Notarize a signature on a document without notarial certificate wording on the same page as the signature unless the notarial certificate includes the name of each person whose signature is being notarized. 
4. Affix an official signature or seal on a notarial certificate that is incomplete. 
A notary shall not perform any official act with the intent to deceive or defraud. 
A nonattorney notary shall not assist another person in drafting, completing, selecting, or understanding a document or transaction requiring a notarial act. This section does not preclude a notary who is duly qualified, trained, or experienced in a particular industry or professional field from selecting, drafting, completing, or advising on a document or certificate related to a matter within that industry or field or prevent a notary from adding a notarial certificate or electronic notarial certificate to a paper or electronic document at the direction of a principal or lawful authority. 
A notary may decline to notarize a document. 
Any document notarized prior to XX/XX/XXXX, which does not have the notarial certificate wording on the same page as the signature, but otherwise appears on its face to be properly notarized, shall be deemed validly notarized.
Product: Credit reporting

On XXXX/XXXX/2015, I contacted Experian concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Experian aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Experian had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Experian has ( 1 ) refused to make the violators prove that they had permissible purpose, ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators, and ( 3 ) claimed that my request for corrections and accuracies to my credit report were suspicious ( see attached ).
Product: Checking or savings account

I called 3 seperate times trying to close the account. 1st attempt nothing happened all 3 of my accounts remained open. I couple of new transactions went through. 2nd attempt 2 savings accounts were closed 1 checking account remained open was told I'd get a call the next day after pending transaction from 1st attempt completed no phone call was made. Another transaction came put 2 days later and drove account into negative. 3rd phone call was recorded and I told them I was done. Any transactions posted after my second attempt to close the account were not authorized. I went on to say as far as I'm concerned my business with that bank is concluded. They admitted it was their fault on the phone call and as I said I recorded it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/ SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically with regard to the reporting practices of XXXX XXXX XXXX XXXX The violations I have experienced have had a profound impact on my life, and I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf to rectify this situation. 

For too long, I have endured the unjust consequences of an inaccurate and unverified item on my credit report, which bears Account Number : XXXX and is associated with XXXX XXXX XXXX. Under the FCRA, I understand that this disputed item should not persist on my credit report if it can not be substantiated with credible evidence. I refer to the following specific sections of the FCRA that have been violated : Section 611 : Procedure in case of disputed accuracy ( 15 USC 1681i ) Section 623 : Responsibilities of furnishers of information to consumer reporting agencies ( 15 USC 1681s-2 ) I have taken every possible measure to address this issue with XXXX XXXX XXXX, yet the burden of this unresolved dispute continues to weigh heavily on my financial well-being and my prospects for the future. I have struggled to secure favorable interest rates for loans, missed out on housing opportunities, and faced unnecessary stress due to the uncertainty caused by this unjust reporting. 

I implore you to consider the emotional toll this situation has taken on me and my family. As a result of this unverified account, I have been unable to provide my children with the stable home they deserve. We have been forced to live in a neighborhood that does not provide a safe environment, impacting their growth, education, and overall quality of life. 

The emotional distress I have experienced is immeasurable. Each day, I am reminded of the detrimental impact this inaccurate reporting has had on my life. My family 's dreams of financial security and stability have been shattered due to the negligence of a creditor 's reporting practices. 

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau exercise its authority to enforce my rights under the FCRA. Specifically, I urge you to take the necessary steps to ensure that the unverified account associated with Account Number : XXXX from XXXX XXXX XXXX is promptly removed from my credit report. This action will not only provide me with the relief I so desperately seek but also serve as a beacon of hope for countless individuals who find themselves entangled in similar circumstances. 

I humbly await your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will use its influence to restore fairness and accuracy to my credit report. I thank you in advance for your understanding, compassion, and dedication to upholding the rights of consumers. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the sudden and unexplained closure of my Chase bank account, and I hope to receive your assistance in resolving this issue. 

My account at Chase bank was closed on XX/XX/year>. Before this, my account had been operating normally without any issues. However, just as I was about to use the account to pay for my summer tuition and living expenses, it was abruptly closed without any explanation or reason provided by the bank. 

Recently, my family transferred a sum of money to my account to cover my summer tuition fees and living expenses. Due to the closure of my account, I am unable to access these funds, which has caused significant disruption to my life. I am currently facing severe financial and psychological stress as I am unable to pay for my tuition and daily living expenses. 

Notably, Chase bank did not communicate with me in any form prior to closing the account, nor did they provide any warnings or opportunities for me to address any issues. I am unaware of the specific reasons behind the closure of my account, but this situation has caused considerable inconvenience to my daily life. 

The funds in question are primarily stored in my checking/savings account. If further information is required, I can provide the relevant account details. 

I hope that with your assistance, this issue can be resolved promptly, and my account can be restored to normal use. Additionally, I seek a clear explanation and resolution from the bank to prevent such incidents from occurring in the future. 

My account number is XXXX XXXX XXXX XXXX. 

Thank you for your attention and help! 

Sincerely, XXXX XXXX XXXX XXXX Mineral XXXX XXXX, XXXX, WI
Product: Mortgage

I have been affected by the XXXX pandemic. The bank is trying to take my house. I am in the process of short sale. The bank has been giving me the run around. Please help me. I have been affected by XXXX. I will like to enforce the force majeure clause in my contract. 
Please help me stop the bank from taking my house. 
I am a senior citizen too. My husband and I are retired. 
Please help! 

XXXX XXXX
Product: Credit card

research the transactions that do not receive 5 % and make that correction as well as make the correction on the account to stay at 5 % for prime