23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like the following from the debt collector, Johnson Mark LLC : Who was the original creditor? 
When was the account charged off? 
What was the balance at charge off? 
When did you acquire the account? 
How much do I owe to clear the debt from my credit report? 
How can I submit payment upon verification of the debt? 
Ive called XXXX on 3 different days and could not be connected to a representative. 
File XXXX
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX XXXXXXXX XXXX is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, XXXX, AND EXPERIAN IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loan, a credit card, and other accounts from XXXX with a balance {$370.00}, XXXX XXXX XXXX  with a balance of {$1000.00}, XXXX with a balance of {$250.00}, XXXX with a balance of {$3900.00}, XXXX with a balance of {$26000.00}. These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, or collections. The aforementioned accounts and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


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 602 A. States I have 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 card

I've consistently maintained punctual payments for this account, preventing any instances of overdue status. The reports regarding late payment remarks on my accounts are puzzling to me. Referring to 15 USC 1666b - Billing Error should prompt correction.
Product: Debt collection

This debt was in collections. I paid it off in full for the amount of {$120.00} on XXXX XXXX, 2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at XXXX and this company is in clear violation. The loan balance for all 3 bureaus are showing inaccurate information and incorrect balances. I need this to be validated. Please send me the person you spoke to from the XXXX  and I don't want copies of no documents. I am requesting original documents which I am entitle to. Please remove this inaccurate information until you can show factual and valid information. I am enclosing proof from all different bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureas are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Transunion, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, the companies consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX and XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Transunion, and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I am a victim of the 2016 " XXXX Data Breach '' identity theft case. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly attempted to have the information provided by XXXX  to be corrected or deleted. There is an accout from XXXX XXXX XXXX on my credit report that had been SOLD to Jefferson Capital. I then asked Jefferson Capital to validate the debt, they could not and they immediately terminated their collection activity on the account according to the letter they have dated XX/XX/2019. 
I recieved a letter from Experian on XX/XX/2019, Report # XXXX stating that the information was " UPDATED '' and it was not. If the account had been investigated properly it would be clear that account is no longer in collection and/or deleted. The only change to the report ar in the 2nd " comment : '' area stating " the item was updated from our processing of your dispute in XX/XX/2019. '' If that is true why is Jefferson Capital currently on my report still. 
And if XXXX contacted the " data furnisher '' and not used the electronic systems that was used in the last dispute, I feel like this account would be deleted as the credit bureaus XXXX  has done.
Product: Credit reporting or other personal consumer reports

Subject : Request for Thorough Review of Credit File and Addressing Inconsistencies Dear Credit Bureaus, I am writing to request a thorough review of my credit file and address inconsistencies that I have identified in the information reported. I have previously requested verification of the information, and although you have confirmed its accuracy, upon further examination, I have discovered several discrepancies that need to be addressed. 

One major concern is the inconsistency in my addresses. I have noticed that there are multiple addresses listed on each of the credit reports, none of which are consistent with my actual residential history. I have only lived in XXXX different places throughout my entire life. Firstly, I resided at XXXX XXXX XXXX XXXX until I was around XXXX XXXX XXXX. Then, I lived at the XXXX XXXX  from the age of XXXX until I was about XXXX. Currently, I reside at XXXX XXXX  XXXX XXXX, XXXX XXXX, as I have recently moved. It is crucial that my credit file accurately reflects these addresses [ [ 5 ] ] Furthermore, I have observed discrepancies in the reported dates and amounts associated with certain credit-related information. It is imperative that these inconsistencies are thoroughly reviewed and corrected as necessary. The dates and amounts should align with the accurate and verifiable data to ensure the integrity of my credit file [ [ 1 ] ] According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to maintain accurate and up-to-date consumer credit information. Section 605 ( b ) of the FCRA outlines the requirements for the disclosure of adverse information, including the dates, original payees, and amounts of any checks that form the basis of any adverse characterization of the consumer [ [ 1 ] ] Additionally, Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that consumers have the right to request a thorough investigation of their credit file and have any inaccuracies corrected [ [ 3 ] ] I kindly request that you conduct a comprehensive and meticulous review of my credit file, addressing the inconsistencies in addresses, dates, and amounts as mentioned above. Please ensure that all the information reported accurately reflects my true residential history and financial transactions. I also request that you provide a written response detailing the steps taken to investigate and rectify the identified discrepancies within the timeframe mandated by the FCRA [ [ 6 ] ] Thank you for your prompt attention to this matter. I look forward to a thorough review of my credit file and the subsequent correction of any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX XXXX south XXXX XXXX XXXX XXXX XXXX Oregon XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is reporting mortgage balances as too high when i have only XXXX XXXX  ( XXXX XXXX XXXX ) specialized mort was bought and paid in full by XXXX which was bought and paid in full by XXXX XXXX XXXX, experian show specialize was bought/transferred to another office thus appearing i have more than one mortgage balance which is not correct -thus lowering my score, the other two agencies report this correctly experian score shows XXXX points credit score lower than transunion and XXXX  on this date, experian was slowest in removing inquiries-i just requested XXXX be removed within last couple of weeks ( they just removed them )
Product: Checking or savings account

Social security and certificate of birth were stolen. My card was charged with unauthorized transactions. It has been reported and a new card will be delivered. The next step would be to report my documents to ensure my identity is protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus all have false and or misleading information on my reports which is a direct violation of my rights, this is grounds for removal, my rights were violated under ; 15 U.S.C 1681 section 602A. 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. 

XXXX XXXX XXXX XXXX mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXXXXXX XXXX XXXX XXXX XXXX mi, XXXX XXXX XXXX XXXX XXXX XXXX Four different variations of my name its only " XXXX XXXX '' this the only name with consent to be on my reports. 
Phone numbers XXXX, XXXX, XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX as you can see multiple violations on behalf of my rights.
Product: Credit card or prepaid card

On XX/XX/2021, I made a purchase that was larger enough to be placed in 12-month special event. Regardless if I have a balance or not ( of current purchases ). Macy 's does not apply my payments to the promotional balance. Example, XXXX statement I did not make any purchases on my account, so I made a payment of {$75.00}. Which I called ( like I do every month ) to ensure that the {$75.00} was applied to my promotional balance, instead the company then applied it to purchases which were not on my statement yet. I have called almost every month and it is constantly not being completed. My last balance for my XXXX statement was {$280.00}, which I made a {$75.00} towards and called to ensure it is applied to the statement balance ( which was all the promotional balance ). But instead I get the XXXX statement which states that my previous balance was still {$280.00} and my payment was applied to my current charges. Macy 's is making it nearly impossible to pay off my promotional balance. Macy 's states they can't help me pay towards the balance unless, I make a phone call every month. I do make the call but they do not apply the payment as requested.
Product: Debt collection

I sent a debt validation letter to MediCredit on XX/XX/2020, returned receipt, they received the letter on XX/XX/2020. In this letter, I requested validation of the debt. This company has failed to validate my debt, Instead, I received a letter dated XX/XX/2020, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I have not authorized and they are not listed as an authorized or legal representative to access my personal health information. This is a violation and I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Debt collection

On XXXX XXXX I received a collection notice from XXXX XXXX XXXX in regards to doing business with the original company in the amount of {$670.00} and I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; Response : NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. 

This company is violating my consumer rights by using identity theft, taking my information without consent and collecting in Louisiana and is not registered in the state to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States XXXX have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/18 received {$20.00} in account, acct was placed in security review have yet to get my money XX/XX/18. 
They want my bank statements why?
Product: Credit reporting, credit repair services, or other personal consumer reports

As i look through my consumer profile I see that this company XXXX. XXXX, XXXX, account # XXXX is reporting a collection on my account. With a balance of {$1400.00}, balance updated XX/XX/. I have never did any business with this company and I have previously filed a CFPB complaint to have this removed off my consumer profile. I have now filed and identity theft report because this is fraud.
Product: Credit reporting or other personal consumer reports

Pursuant to 15USC1681 ( a ) 6 ( B ) 3 I am requesting the MOV ( Method Of Verification ), in writing, used to verify this account. This is my 3rd and final request to receive the information before seeking legal remedy to have this account deleted permanently from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

No consent is identity theft! I have never given this company consent to use, obtain or share my private medical information. According to 15 USC 1692c ( a ) Communication in connection with debt collection.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The privacy rule of XXXX and the XXXX act of XXXX also prohibits certain information ( XXXX XXXXXXXX XXXX ) from being shared without the consumers consent. My medical information is private information and should not be broadcasted on my consumer report or anywhere for that matter without my consent. 

I am demanding this company to remove this account from my consumer report immediately and to cease any further communication and collection efforts by/through all means except the United States Post Office . 

I will be filing complaints with my states attorney general office, the collection companys states attorney general office, the Federal Trade Commission as well as The Department of Health and Human Services. 

Should we not resolve this matter amicably, I wont hesitate to escalate this matter to the further extent possibly allowed by law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX5 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX 
XXXX Inquiries : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to EXPERIAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to pen the envelope because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine. Please remove these things from my report. 

XXXX  XXXX XXXX {$1400.00} XXXX  XXXX {$770.00}
Product: Debt collection

A company doing business as the " Credit Bureau of Lewiston Clarkston '' attempted to collect a debt at my place of employment on Thursday, XX/XX/year>. I would like them to stop further communications with my place of employment, The XXXX XXXX XXXX XXXX, XXXXI am not sure who they are trying to verify the employment of, but they are not allowed to contact someone's place of employment without permission, which they do not have.