23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMERICOLLECT INC has posted information on my consumer report stating there is a debt owed with their company. I have never had a contract or agreement with Americollect. they are reporting multiple accounts on my consumer report that they are not authorized to do so. 

Americollect, XXXX, XXXX and XXXX has violated my HIPAA rights. 
The federal law contains the following specific verbiage that applies to the situation at hand : " ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Additionally, HIPAA and Florida MedicaXXXX Privacy Statutes further protect my protected health information. The Privacy Rule prohibits you from using or disclosing my individual protected health information ( " PHI '' ) unless I specifically authorize the use, which I have not. 

HIPAA specifically states : Information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. Your company has supplied my confidential and protected account information without my consent as a consumer. 

Also according to 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. also U.S code ( a ) 1-4 The amounts reporting are {$1500.00}, {$290.00}, reported on XXXX and {$1500.00}, {$290.00}, {$91.00} and {$55.00} and {$56.00} Reported on XXXX and XXXX. 

These accounts are listed in error and I am requesting these items removed immediately. I have sent certified letters to all parties involved.
Product: Credit card or prepaid card

on XX/XX/2021, i sent LETTERS TO THE MAIN AND CORPORATE OFFICES WITH PENFED CREDIT UNION A LETTER REQUESTING BILLING STATMENTS AND DOCUMENTATION REGARDING A ALLEGED DEBT OF {$390.00} THAT I DONT OWE AND I HAVEN'T RECEIVED ANYTHING FROM THEM THUS FAR. Please acknowledge my letter, correct the error, and clarify the manner in which you arrived at the finance charge, new balance, and minimum amount due on the account. 

I do not agree with your alleged reported balance. I am not liable to pay that balance. Please provide me with the original offer you claim was accepted by me, any amendments to the agreement, the cardmember agreement you deem accepted, and the previous 12 months of statements of account. Until this billing dispute is resolved, cease and desist all collection activity, including all credit reporting. Promptly request that consumer reporting agencies delete all credit reporting to date.
Product: Credit reporting or other personal consumer reports

I am writting to formally dispute several hard inquiries listed on my credit report that I did not authorize. These inquiries are adversely affecting my credit score and were not initiated by me. The hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INTRESTED IN DISPUTING ALL INCORRECT INFORMATION ON MY EQUIFAX CREDIT REPORT TO HELP CLEAR MY RECORDS.
Product: Mortgage

Company not responding email send documents for loan modifications, land was divided as family subdivision, lots financial interest of other part, first doing loan modifications second try beyond scope of there financial interest of property, house alone tax value at {>= $1,000,000} there interest in default mortage only {$650000.00} loan start up balance, they more party who own part of land which fully subdivided they try go after more what there balance, over all parcel and house worth XXXX. They refuse to modify dont respond email and application submitted for loan modifications. Mortage fraud started company organically started loan this selene finance loan, i sent offer to settle loan {$500000.00} no response and also no loan modifications option. This mortgage company is total fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion transferred me five times two five different foreign Representatives that was unable to read unable to help me and continuously one by one they said the same exact line to me and forward me to the next person that said the same line over and over no one was able to help me I have for hard inquiries that I need removed
Product: Payday loan, title loan, or personal loan

I was approved for PPP round 1 on XX/XX/XXXX. I have my loan #, etc. Capital Plus Financial is my lender and still hasn't sent me my Promissory Note via DocuSign.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union is reporting Inaccurate information on my consumer report to XXXX, XXXX XXXX, XXXX. 

Navy federal is reporting Late payments which is a violation of the FCRA. 15 USC 1666b Timing of Payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore the activity date are reporting as- ( XXXX ) ( XXXX ) ( XXXX ) these are inaccurate reporting and goes against the XXXX XXXX guidelines
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit BXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate INQURIES reporting by XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

There is a collection on my credit report that I do not recognize.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) XXXX XXXX  ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Credit card

XXXX  XXXX  attempted unsuccessfully to process a charge for {$590.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Account also had a stop payment order that was issued by Discover on XX/XX/XXXX through XX/XX/XXXX, On XX/XX/XXXX, Discover closed the account and issued a new credit card that was received on XX/XX/XXXX, and promptly activated. Additionally, on XX/XX/XXXX, Discover extended the stop payment until XX/XX/XXXX against the XXXX XXXX. On XX/XX/XXXX, XXXX XXXX successfully processed an unlawful charge for {$590.00}, which was promptly opened as a Fraud Case. I was informed today that the Case # that I was provided is not a valid Case #, and here is where the diversion, obstruction, and obfuscation commences. Additionally, I have been a Cardholder for 34 years, and have never been treated this disrespectfully. I am also a Senior, which enhances this credit card fraud incident to Elder Abuse Fraud & Exploitation of a Protected Class Member. I am also in the XXXX Protected Class, since I am a XXXX XXXX XXXX, and over the last 3-Days, my XXXX  has been difficult to control. This incident is also a repeat of the same incident that occurred during XX/XX/XXXX, which I successfully disputed, but this time, it appears that they're attempting to keep kicking the can down the road to extort {$590.00} fro, m me for a service that was never received.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

As of today, I received a letter from Chase Bank on my XXXX  account. They are raising my interest rate on future purchases. I have never missed a payment, gone over the limit, and have honored my end of the agreement since day one, and I have been a customer for over 10 years. 
I immediately called to inquire as to why this was happening and was told it was a just a company wide " business decision ''. Furthermore, I inquired as to how payments are applied and was told any amount of payment over the minimum, after interest is paid, is then applied to principal with the LOWEST interest rate first. 
This is simply not acceptable, and I see this as a predatory lending practice. Changing the terms of agreement in any business relationship without cause is simple greed and bad business practice. I asked to reject it, and they reminded me I a can close the account, of course per the card member agreement that would allow them to demand the balance in full.
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to BARCLAYS BANK DELAWARE. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

On Friday, XX/XX/2022, I received a letter from American Coradius International LLC ( Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX ) stating that they are a debt collector seeking payment on behalf of XXXX for an amount of {$590.00}. I have a XXXX account but have not had recent purchases that large. I reviewed my transaction history on XXXX and saw not charge that large or any outstanding balances. I then called XXXX and they confirmed that I owed no debt. If you XXXX the company, there are several hundred XXXX Reviews on this company sending out these fake letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account recently letting them know that this is incorrect reporting and requested verification of the debt. They have told me they've verified the debt however have not provided proof of the verification or of original debtor verification. I have made the request twice within the past 5 months.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

i receive letter from national grid i need to pay XXXX for non-utility service, i am disagree for this charge and national grid give this bill i not owe to collection agency " Stevens business service ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly past due on the XXXX XXXX account number XXXX. This account was closed and paid in full. I was married in XXXX, 2013 and my husband and I combined our account and the old account closed. This tradeline keeps appearing on my credit report when it shouldnt. ( Please see page 2 of the attached credit report. ) This account is over 7 years old and is coded incorrectly as well. Please delete this line item from my credit report and/or change the coding error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a {$1000.00} personal loan with my bank to try and establish credit because I supposedly have no credit history according to my banker. I met all the requirements and was denied due to the information provided by XXXX XXXX. I have on numerous occasions contacted them by phone dating back to 2015 stressing to them of how important it is to remove incorrect information from my credit report I faxed police reports to them and updated current addresses and phone numbers. To no avail. I am being discriminated against for being XXXX. I am being singled out due to not being XXXX.
Product: Credit card or prepaid card

have closed credit card with  Capital On e reporting as charged off on credit reports, was sent a letter last year stating that they were reporting it incorrectly and   XXXX   XXXX    deleted the account from their report but the other  XXXX  agencies did not. Now  Capital One  says they are reporting it correctly, I am currently paying them through a debt settlement company, they will be paid the settled amount  XXXX    XXXX  . This account was never sold its been with  Capital One  the entire time. Its not considered a chargeoff if you came to a settlement and are getting paid on a monthly basis.
Product: Payday loan, title loan, or personal loan

I have a auto title loan with TITLEMAX. My payments are {$370.00} per month. In the month of XXXX I made 3 monthly payments. The first payment was made XX/XX/2021 this was for the XXXX payment the second payment was made on XX/XX/2021 this was for the XXXX payment on XX/XX/2021 I made a third payment for the same amount for XXXX. TITLEMAX misapplied the payment made on XX/XX/XXXX and applied it directly to the principal balance. I have called three times about this issue and I asked them to either refund the money or to apply it to the XXXX  payment and again they have not done it and now are trying to repossess my car. The first time I called I was promised a call back by the end of the business day and I didnt receive it I called two days later and I was told that there was no notation on my account that I had ever called and that they would need to have a supervisor call me back. When the supervisor called me back she informed me that the payment could not be reversed or reapplied to XXXX and that I would need to make another payment. I advised the supervisor that I do not have money to make another payment because of how I was affected by Covid and I wont be able to make two payments in XXXX either. I have documentation showing my payments on the TitleMax app.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
Disputed Accounts : XXXX. INACCURATE Direct VIOLATION XXXX XXXX XXXX Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXX XXXX Account Number : XXXX XXXX. INACCURATE Direct VIOLATION XXXX XXXX XXXX Billing ERROR % XXXX UPDATE ACCT TO PAID AS AGREED XXXXXXXX Account Number : XXXX XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, XXXX XXXX, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.
Product: Debt collection

I've let them know that XXXX account was removed by XXXX and XXXX , who now owns XXXX because they have the phone they are trying to charge me for. Was removed last year and told I would no longer have this problem. I don't owe XXXX any money, they have there property. Instead they offered me to pay {$300.00} to remove it, I will not pay anything I don't owe.