23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i was looking over my credit report and i noticed unauthorized hard inquires on my credit report i did not give hand written consent to furnish anything on my credit report. these hard inquires and accounts have violated my consumer rights. 
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 name : XXXX XXXX #, Account name : XXXX #, Account name : XXXX 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 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, credit repair services, or other personal consumer reports

I have never had an account with the XXXX XXXX XXXX! I was led to believe that the account i had with XXXX XXXX is the bank that i was paying on and then i found out from viewing my credit report that the account was with XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and transferred all over the place just to be told that i need to dispute the account ( s ) with the credit bureaus because they don't have any record of any accounts in my name and the persons that i spoke with stated they don't have the ability to remove the account ( s ) from my credit report. 

I also have received my credit report from equifax and there are inquiries from companies that i do not recognize and i don't believe that i would have requested that my credit be pulled when my credit report previously had freezes on it and and extended fraud alert. I do not know of these companies or why they have made hard inquiries on my credit they are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

also, there is a student loan showing on my equifax credit report from XXXX and i did not have any student loans in XXXX.
Product: Debt collection

I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. The only way I have been able to get response to any request is through this system as National Business Factor phone lines are always busy ( I have tried more than XXXX times now ), and the doors are locked ( Yes... I actually went in person ). After almost 9 months of continued efforts, I have finally gotten all of the relevant documents to see what the debt is and how my insurance failed to pay the correct provider. My insurance XXXX account showed paid and never realized the check was never cashed by the provider. I am now looking to pay the debt and have the collections removed from my credit report as this was an error by the XXXX provider AND the only reason it got to this point was the failure of communication from National Business Factor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in conflict with two ( 2 ) accounts that is reporting on my XXXX and XXXX XXXX credit consumer report. 
Named account XXXX. 
I had gone to the emergency room visit in XXXX FL. XXXX XXXX XXXX  around XXXX where my visit was paid for by my health insurance - However unbeknownst to me the emergency room doctors were not, I was not told this by XXXX XXXX XXXX   at time of admittance. NOT FAIR. 
Now these two XXXX accounts listed on my reports is now affecting my life. 
I was refused due to a background credit check because of this issue, of all places mobile home park to reside in. 
I became XXXX XX/XX/2013, but my day in court was literally 4 years later. 
Nobody is sympathetic that at the time I needed the medical care, while doctors are working as " Sub Contractors '' in the emergency at time of my need, and was not informed. no mention of a payment plan from XXXX. Doctor/s did not get paid on their time line so I was reported to their medical collectors, " XXXX '' The sign on the wall of the emergency room reads, and I'm paraphrasing, Everybody will be seen by a doctor, no matter of ability to pay at the time. 

XXXX XXXX can not pull back my account from XXXX, because the doctor 's reported me and they are somehow not affiliated with the XXXX?! This makes no sense. Now it is too late to make payment arrangements because XXXX is all scripted robot humans whom only want payment in full.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Closed Loan Account - Request for Immediate Removal Under 15 U.S.

Code 1635 & 15 U.S. Code 1692g Dear CFPB Representative, I am formally disputing the continued reporting of a closed loan account from OneMain Financial on my credit report. This account, which was closed on XX/XX/year> and has a XXXX XXXX  balance. yet it remains on my credit report in a way that negatively impacts my credit standing. I am invoking my rights under 15 U.S. Code 1635 ( Right of Rescission ) and 15 U.S. Code 1692g ( Validation of Debts ) to request the immediate removal or correction of this account. 



Details of the Disputed Account : Creditor Name : OneMain Financial Account Number : XXXX Account Type : Unsecured Loan Account Status : Closed ( due to refinance ) Highest Balance : {$2200.00} Opened On : XX/XX/year> Closed On : XX/XX/year> Legal Basis for Dispute : 1. 15 U.S. Code 1635 - Right of Rescission Under this statute, consumers have the right to rescind certain credit transactions within a specific timeframe. Although my account was refinanced and paid in full, the continued reporting of this account in a manner that impacts my credit could be seen as a violation of fair credit reporting principles.

2. 15 U.S. Code 1692g - Debt Validation Requirements This law requires that any reported debt be properly validated and accurate. Since the account was refinar, closed, and paid in full, its continued presence on my report in a manner that negatively affects my credit could indicate improper reporting practices by the creditor or credit bureaus. 

I am requesting that the CFPB immediately investigate this matter and direct the appropriate credit bureaus ( XXXX, XXXX, and XXXX ) to remove or correct the reporting of this account. I have attached supporting documentation, including account statements and payment history, to verify my claims. 

I expect a written response within the timeframe outlined by law regarding the actions taken on this matter. If further documentation is required, I am prepared to provide additional details upon request. 

Thank you for your prompt attention to this urgent issue. 

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

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 
ACCOUNT : XXXX XXXX XXXXXXXX Account Number : 2411 IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out a dispute to XXXX, TransUnion and XXXX. I included a legible copy of my ID, SS card and proof of my mailing address. I mailed my dispute letters via certified mail and I did receive a confirmation that they were received by TransUnion on XXXX and XXXX  on XXXX. But to date, I have not received any response from TransUnion or XXXX. I would really like to know : 1. What is the status of my disputes received by TransUnion and XXXX? 
2. Why have I not received a response to my disputes?

3. When will I receive a response to my disputes?

4. What recourse do I have since I did not receive a response in a timely manner? 
I know with COVID-19 that there may be some delays, but at this point it has been more than 2 months and I think that I should have received some kind of update by now since I know I am supposed to receive a response within 30 days.
Product: Debt collection

Regarding : CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX In XXXX, I had XXXX and received a bill from the XXXX XXXX XXXX XXXX XXXX, XXXX. I overlooked paying the bill, which was referred this service. Earlier in XXXX, I negotiated a settlement with CMRE and paid the bill in full. Since that time, I have continued to receive harnessing phone calls from them requesting payment. When I spoke live with their representative, they told me that there was a mistake and they would remove me from their system. 

I believe these calls were an attempt to get me to pay more money to them after we have already settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XX/XX/22 asking for them to investigate items on my account. I waited 60 days before sending a second letter on XX/XX/22 stating that federal law requires them to respond within 30 days and it has been well over that time frame. Another 30 days has now pasted and I still have not heard from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to safeguard my credit.The accounts in question are as follows : 1. XXXXXXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} 2. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$380.00} 3. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$100.00} 4. XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$240.00}
Product: Debt collection

***NOT A DUPLICATE COMPLAINT*** SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately. 

LOAN DOCUMENTS ARE NOT A VALIDATION OF DEBT. SEND ME A WRITTEN PERMISSIBLE PURPOSE OF THE ALLEGED DEBT AS WELL AS THE AUDIT TRAIL. I AM THE ORIGINAL CREDITOR AND I DO NOT VALIDATE THIS DEBT. REMOVE THIS ALLEGED DEBT FROM MY CREDIT REPORT IMMEDIATELY.

Please also provide the 5 pieces of information for debt validation. Your company operates under the Fair Debt Collections Practice Act so not responding to the requirements below is a direct violation of the Fair Debt Collections Practice Act pursuant to Pursuant 15 U.S. Code 1692g - Validation of debts.

Pursuant 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

IF ALL FIVE REQUIREMENTS CAN NOT BE PROVIDED THE DEBT IS NOT VALIDATED AND MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Address ] [ City, State, ZIP Code ] Subject : Request for Deletion Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account SXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX & XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Signature ] [ Your Printed Name ]
Product: Credit reporting or other personal consumer reports

I had previously sent in a complaint for a fraudulent auto loan opened under my name without my knowledge, the account that had been fraudulently opened is XXXX XXXX XXXX acct # XXXX date opened XX/XX/year> I do not have or own a XXXX, I have also attached an FTC report as well, please help me remove this fraudulent account from my credit report,
Product: Credit card

Synchrony Bank double charged me for patio furniture I purchased. I have called them multiple times to try to get the dispute resolved, they have refused to resolve it. I purchased the patio furniture on XX/XX/XXXX it was supposed to have been purchased on a promotion of 12 months interest free. I had my account set up to pay the balance due monthly so they withdrew {$1200.00} from my checking account. I called to have them correct it to the promotion they sent me a check for that amount and then charged my XXXX account for the same amount which I started paying off. However they then charged me again for the refund they had sent. I paid the patio furniture in full on XX/XX/XXXX. They are still showing that I owe the amount that was refunded to me for their mistake. I would like a full audit of my account with Synchrony Bank for XXXX,
Product: Debt collection

Total balance : {$1500.00} XXXX false accounts in Collections : XXXX XXXX XXXX IN Original creditor : XXXX XXXX XXXX CO, still showing a balance of {$860.00} as of XX/XX/year> XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX still showing a balance of {$250.00} as of XX/XX/year> EASTERN ACCOUNT SYSTEM Original creditor : XXXX still showing a balance of {$440.00} as of XX/XX/scrub> XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX says I owe them {$210.00} for auto insurance. They took my payment out of my checking on XX/XX/2023. I cancelled my insurance on XX/XX/2023. It seems they are trying to charge me for another month. I do not owe it.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I am taking this matter very seriously, and I would like to ask that you take immediate action to block and remove the fraudulent account from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received 2 hard inquiries on my XXXX credit card profile from one Chase credit card application. The XXXX inquiries are listed below : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

JPMCB CARD Inquired on XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

There was a problem with address verification on the initial application on XX/XX/XXXX. I had to submit documentation multiple times through Chase 's portal and docusign. Then no one from Chase would review the documentation until I called back. 
Eventually I was approved on XX/XX/XXXX for the card after only providing my IRS EIN confirmation letter. However, this had already been supplied on XX/XX/XXXX per XXXX XXXX. As a result, I should have been approved for the card within 30 days of the initial application date of XX/XX/XXXX, therefore only resulting in one hard pull. Please remove one of the duplicate hard pulls.

I tried to resolve the matter directly with Chase, and their reprensentative said " hard pulls are not necessarily bad '' ( This is a completely false statement as hard pulls always result in a person 's credit score declining which is objectionally " bad ''. ). Chase also stated they have the right to pull my credit report as many times as necessary which doesn't seem right.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to investigate requested items on my credit report. OnXX/XX/XXXX I sent an initial request to investigate. On XX/XX/XXXX I sent a notice that they violated the regulation to investigate the items below. To this day I have gotten no response from them ... 

ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many errors published on my credit reports. Apart from my name being misspelled many different ways, there are also accounts on my report I have no recollection of. I have been sending validation request letters to all 3 bureaus ( Transunion, XXXX and XXXX ) since XX/XX/2021 and have not yet received any responses thus far- some of which were certified letters. I have also sent letters on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. According to what I've read about the FCRA, I have the legal right to dispute any inaccurate information on my credit report and by law the bureaus are obliged to provide me with validation of the reported accounts in question or remove them from my reports. These negative accounts are affecting my chances of being approved for a mortgage in the near future. I have been working very hard as a XXXX  to save up and provide for my family and without good credit I am finding it difficult to do that.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, XXXX, and Experian several times, but the errors still remain unresolved. Despite multiple attempts, the credit bureaus have not corrected the discrepancies. 

15 USC 1681i ( a ) ( 1 ) ( A ) : This challenges the failure to complete a reasonable investigation within 30 days, which has led to inaccurate information staying on my credit report.

15 USC 1681i ( a ) ( 3 ) ( A ) : This challenges the lack of providing a complete investigation report, including supporting evidence for the disputed items.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to notify me of the results of the investigation or provide information on actions taken regarding my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported a credit card charge of {$5000.00}. I tried to get a credit report and tried to file a dispute on XXXX. Was not able to get the credit report or file a complaint. 
The {$5000.00} charge was a line of credit which was paid off in less than 3 weeks but TransUnion continues to carry an incorrect balance. 
Balance is XXXX.