23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a formal complaint against National Recovery Agency ( NRA ) for illegally reporting a fraudulent medical debt to credit bureaus that I do not owe, in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Health Insurance Portability and Accountability Act ( HIPAA ), and South Carolina consumer protection laws. I am requesting an immediate deletion of this erroneous account from my credit report.

1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) National Recovery Agency is in violation of multiple sections of the FDCPA ( 15 U.S.C. 1692 et seq. ), including : 15 U.S.C. 1692e ( 8 ) Prohibiting the reporting of false or misleading information to credit bureaus.

15 U.S.C. 1692f ( 1 ) Prohibiting the collection of any amount not expressly authorized by law or contract.

15 U.S.C. 1692g ( b ) Requiring proper debt validation upon dispute before further collection or reporting.

I have no knowledge of this medical debt, and NRA has failed to provide valid documentation proving its legitimacy, yet they continue reporting it, damaging my credit unlawfully.

2. Violation of the Health Insurance Portability and Accountability Act ( HIPAA ) & Privacy Rights Under HIPAA ( 42 U.S.C. 1320d-6 ), a medical provider or collection agency can not disclose protected health information ( PHI ) to a third party ( such as a credit bureau ) without proper authorization.

National Recovery Agency does not have my consent to report this medical debt, and they are illegally handling my medical information.

South Carolina Consumer Protection Law ( S.C. Code Ann. 37-20-110 et seq. ) further protects against unauthorized credit reporting practices.
Product: Checking or savings account

Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX. Never received the cash bonus. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. Also charged XXXX for 7 months just for having an account with them, that I was unable to withdrawal from.
Product: Credit card or prepaid card

I made a credit card payment on XX/XX/20 by the due date of XX/XX/20. The automated system said it was successful and funds would be taken from my account on XX/XX/20. I received my new statement with a late fee of {$27.00}. I contacted both the credit card company and the bank but they would not reverse the charge.
Product: Mortgage

I currently have a mortgage with Lakeview Loan Servicing , LLC, which was acquired in XX/XX/2019.

My semi annual property taxes were due XX/XX/2019. I have received now two notices via mail for Overdue Property Taxes/Final Bill/Legal notice on these property taxes, both in XXXX and now in XXXX. At the time, I have submitted two Service of Error letters/complaints to Lakeview Servicing. The last complaint was on XX/XX/XXXX. Prior to that, I was told property taxes would be satisfied XX/XX/XXXX. As of XX/XX/XXXX it was communicated that the lender had until XX/XX/XXXX to pay my property taxes. 

There is currently {$4700.00} in my escrow account with {$2400.00} in overdue taxes. No one seems to call me back or give me any indication as to why these taxes are overdue.Property will be advertised for auction XX/XX/XXXX if not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Debt collection

My phone number used to belong to someone else, presumably a naturalized citizen from the XXXX- a friend told me the name off the caller ID when I first got this number nearly XXXX  years ago. And I tried to track her down, think I even sent her an email, and would have called her myself if I could. Did find an address where she was at that time. 

I repeatedly receive recorded calls from what sounds like " XXXX XXXX '' or " XXXX XXXX '' or something like that. I just googled it and it is XXXX XXXX. It starts with " This is an attempt to collect a debt. '' Also, some individuals have called and I told them it is not her number. XXXX XXXX guy insisted I must know her. 

They come from lots of different phone numbers ... after all, this has been going on for XXXX years - and now I've had enough!!! 

This mornings, at XXXX am Central time, came from : XXXX XXXX XXXX MO XXXX '' on my caller ID, presumably XXXX and likely cloned. 

Please get these people to stop calling me.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information reported by XXXX XXXX on my credit report. The account in question is Lease:XXXX which has been reported as a lease account in collection/charge off status since XX/XX/scrub>XXXX 2019. Fair Debt Collection Practices Act, 15 U.S.C. 1692 I request that Experian investigate this matter under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which requires credit reporting agencies to ensure the accuracy of information reported on consumer credit reports. 

The debt in question is beyond the statute of limitations for collection, as it has been outstanding since XXXX  2019. Therefore, it should not be reported on my credit report according to the FCRA. 

I respectfully request that Experian promptly remove this inaccurate and obsolete information from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against PayPal for Unfair Practices and Withholding of Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal, the online payment platform, for engaging in what I believe to be unfair practices resulting in the deliberate withholding of my funds. This situation has caused considerable distress and appears to be a systematic effort by PayPal to retain funds and impose unwarranted charges. 

Here are the details of my complaint : Account Freeze and Fraud Claim : After adding a new card to my PayPal account to reflect updated information, consistent with my account details, PayPal froze my account, alleging fraudulent activity. I provided extensive documentation, including my passport, driver 's license, a copy of the added card, and a current bill, all of which were refused by PayPal. 

Unjustified Delay : Despite my compliance with their request for additional information, PayPal insisted on a 72-hour waiting period, which concluded yesterday. However, I have yet to regain access to my funds, and they are now proposing charges for the release of my own money. 

Financial Imposition : PayPal is demanding fees for releasing my funds, compounding the situation with an additional charge for the transfer. This imposition is not only unjustified but adds insult to injury, as I am being penalized for attempting to access my own funds. 

Deceptive Practices : I would like to highlight that I do not typically use PayPal due to their reputation for deceptive practices. Unfortunately, in this instance, I had no alternative payment option due to a transcription service that exclusively accepts PayPal payments. 

I request that the Consumer Financial Protection Bureau investigates this matter thoroughly to determine if PayPal is engaging in deceptive practices and withholding funds from consumers in an unjust manner. 

Enclosed are the relevant documents, including my correspondence with PayPal and proof of identity, to facilitate your investigation. I am willing to provide any additional information necessary for a comprehensive assessment. 

I trust that the Consumer Financial Protection Bureau will take prompt and effective action to rectify this situation and ensure PayPal 's adherence to fair and transparent financial practices. 

Thank you for your attention to this matter, and I look forward to a favorable resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I have no clue how they got there. I checked my report like I usually do, but this time, there were sudden discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Given this issue, Im requesting that the documents Ive sent be thoroughly reviewed so I can stop worrying about this happening again.
Product: Debt collection

After several attempts to contact company I finally just paid the balance to keep it off my credit. Payment was paid in full on XXXX XXXX, 2020. They assured me it would not show, and it does.
Product: Money transfer, virtual currency, or money service

I am locked out of my Coinbase account and having trouble verifying my identity. They will not work with me to verify my identity through documentation. For health reasons, I am unable to go and get an ID card from the DMV, but they will not allow other forms of identification despite the following in their Terms of Service : " The information we request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, a government identification, and information regarding your bank account ( such as the name of the bank, the account type, routing number, and account number ) and in some cases ( where permitted by law ), special categories of personal data, such as your biometric information. '' I have offered to provide taxpayer identification, email communications, bank statements, account numbers, social security number, etc. but they will not accept those and insist on only accepting the one thing which I can not obtain. In addition, they have on file an old identification card of mine and they also refuse photographic proof of identity. I just want to get back into my account and remove my funds. They are rude and unaccommodating to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit file and noticed that the information reporting is inaccurate. I contacted all three bureaus and expressed my concerns. Two of the three bureaus removed the items and XXXX did not. I sent a copy of the investigation results from the other bureau showing the item had been investigated and removed. According to the FCRA if one bureau finds the item inaccurate, incomplete or unverifiable they are to share that information with all other bureaus and the item should have been removed.
Product: Checking or savings account

I'm currently unable to open new bank accounts because of the negative information that's being reported to my Chex system report and, y credit reports ( XXXX, XXXX, XXXX XXXX I have paid the full balance off and settle all debt that was owed to all institutions please remove these 2 negative accounts off both credit and Chex system report down below immediately Visions XXXX XXXX XXXX I will be attaching the letters of prove of balance being paid in full
Product: Mortgage

Ive tried contacting Selene on numerous occasions to no avail. Youre simply just carted from one ill -advised customer service representative to the next. 

1. On XX/XX/XXXX and going forward I've been charged a {$15.00} late fee. I paid initially, but noticed it kept resurfacing on my mortgage bill. I've called Selene to ask why Im incurring a {$15.00} fee each month on my mortgage, and I was told by XXXX, one of the representatives that he believed it was an inspection fee. '' Inspection fee for what, when, why and where was the inspection done are my questions? He didnt know and would look into it and get back to me by correspondence. That was 4 months ago. Ive made sure to send all payments via wire transfer or XXXX XXXX w/signature to ensure payment since Selene conveniently misplaces payments by mail. 

2. I contacted Selene by email on XX/XX/XXXX to obtain the months that I've been late on my mortgage, as it was reported to a refinance company that I've been late 8 times. I'd like to know the EXACT DATES AND MONTHS those payments were late. I received correspondence from Selene saying it would take 30 days, it's been over 6 weeks. 

3. Also, my escrow amount increased and therefore my payment. Id like the paperwork confirming the additional escrow amount.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. According to the FCRA Section 604 ( 15 U.S.C. 1681b ) explicitly states that consumer reports may only be accessed with a permissible purpose. Yet, this agency has failed to justify unauthorized hard inquiries that have appeared on my report, violating my rights as a consumer.

This ongoing failure to comply with the FCRA has resulted in ongoing damage to my creditworthiness, preventing me from obtaining fair lending opportunities and financial stability. FCRA Section 616 ( 15 U.S.C. 1681n ) provides for legal remedies for willful noncompliance, including statutory damages, attorneys fees, and punitive damages.

Please see the attached documents that list the unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

Good Afternoon, XXXX XX/XX/XXXX I was made aware I was denied housing due to my credit background. I have closed, inaccurate and charged off accounts on my credit report. Which is effecting my background checks. I reached out to all three bureaus to fix this issue months and years prior. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, dier any reinvestigation under paragraph on any moriaton disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the tile of the consumer. or moditv that item of information. as appropriate. based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the mile or the consumer Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX, my Bank sent me alerts that I had a lot of derogatory information put in my credit report. Most of it was that I had delinquent payments. After this I started to call the different credit card companies and took down my information and started the process. I got paper back from most of them but FIRST BANCARD CREDIT CARD COMPANY. They just sent me a letter stating that the claim was denied and that I had to pay over {$3000.00}. Even though, I did not open the account which was opened many years ago. I called their FRAUD DEPARMENT and they suggested that I must have known about this. I sent them a letter stating that I wanted to see my signature on the original application and on any purchase bearing my signature. Most of the companies deleted the accounts from my credit but this particular one, does not want to work with me. How, am I going to pay for something I did not sign up for or open.
Product: Credit card

I have been using a discover credit card from last year and have been paying the statement balances on time. Recently, I realized that I have paid my statement balance for the same amount multiple times this year, because when I used to pay it once and used to check it a week or more later, it didn't reflected on my balance, and because of that I used to pay it again, without even realizing. This has happened with me multiple times before. When I talked with them about the issue, they told me that even if they refund all the amount I paid extra, it's going to be added up to my balance, as it will be considered missed payment and I'll have to pay that again. Which means that I won't get anything.
Product: Money transfer, virtual currency, or money service

I understand the need to limit some accounts to review for potential risks and I'm familiar with the User Agreement and I strongly believe that I have not violated any policy or law. the account limitation didn't give me a fair opportunity to explain my business model or provide adequate file space to upload all the documents that were requested. in order to fairly review my account, PayPal should inspect the 'Supplier invoices ' and the Contract between me and the supplier for reselling and distributing the supplier 's products, and because the limitation page didn't provide sufficient space I didn't upload the Contract. ( I messaged the customer service because it was an error when I tried to upload the documents ) YOU CAN CHECK THE MESSAGES.

I'm happy to provide any further documents or perform any steps if required.

If " risk '' is still a concern, then feel free to place a fixed or proportional amount of sales in the " reserve account '' if you believe this provides the assurance you need.

My email linked to my PayPal account is XXXX XXXX
Product: Credit card or prepaid card

I opened my bluebird amex card several weeks ago, and I set it up for receiving direct deposit into it. Recently my friend authorized me to make a purchase for him, since he was unable to receive it at his address. He added his debit card to my bluebird account as a funding source, and provide me with a power of attorney to use it. After that he transferred to my bluebird {$600.00}, and I transferred to it over {$100.00}, and bluebird sent me an email that they suspended my bluebird amex card, and by phone they told me that for remaining balance I had to write to Bluebird Customer Care XXXX XXXX XXXXXXXX XXXX, GA XXXX I'm expecting my direct deposit later this month, and I rely on it to pay for my rent and food, but the card is suspended, the customer service is in XXXX, and that address is registered for various prepaid cards with tons of negative reviews and bunch of complaints. 
There are multiple companies ' names with different phone numbers listed under that address, and nobody there knows what is going on, asking me to write them a letter to XXXX. XXXX XXXX XXXX, GA XXXX But their official address on XXXX  listed at XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is submitted regarding Equifaxs unlawful reinsertion of a previously deleted accountXXXX XXXX  XXXXonto my credit report without providing the required notification under the Fair Credit Reporting Act ( FCRA ). This reinsertion occurred between XX/XX/XXXX, and XX/XX/XXXX, as evidenced by communications I received from Equifax. 

Summary of Events 1. Account Removal Notification : On XX/XX/XXXX, Equifax sent a notification stating that the XXXXXXXX XXXX XXXX account had been removed from my credit report. 
2. Account Reinsertion Notification : On the same date, XX/XX/XXXX, Equifax sent another notification stating that the XXXXXXXX XXXX XXXX account had been added to my credit report, listing it as opened on XX/XX/XXXX. 

This sequence of events indicates that Equifax unlawfully reinserted the XXXXXXXX XXXX XXXX account onto my credit file after it was previously removed. 

FCRA Violations Equifaxs actions violate multiple provisions of the FCRA, including : 1. 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) - Reinsertion of Previously Deleted Information : Under this provision, if a credit reporting agency reinserts previously deleted information into a consumers file, it must : Notify the consumer in writing of the reinsertion within five ( 5 ) business days. 
Include the name, address, and phone number of the furnisher of the information. 
Equifax failed to provide me with written notice of the reinsertion, including the required details of the furnisher. 
2. 15 U.S. Code 1681e ( b ) - Failure to Maintain Accuracy : Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on a consumers credit file. 
By re-reporting the XXXX XXXX XXXX account without verifying its accuracy or providing proper notification, Equifax has failed to meet this standard. 
3. 15 U.S. Code 1681i ( a ) ( 6 ) - Duty to Provide Dispute Results : Equifax did not provide sufficient documentation or explanation as to why the account was reinserted after being previously removed. 

Consumer Harm This unlawful reinsertion has caused significant harm, including but not limited to : Credit Score Impact : The reinsertion of this account negatively affected my credit score by creating confusion regarding the status and reporting history of the account. 
Emotional Distress : The lack of transparency and failure to comply with legal requirements has caused undue stress and anxiety. 
Potential Denial of Credit : The inaccurate and improperly reinserted account information may lead to denials of credit or higher interest rates.