23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted XXXX XXXX XXXX XXXX in XXXX XXXX, Louisiana, on XX/XX/2018 by phone to validate debts. I spoke with XXXX in the billing department and she did not have any legitimate proof that I have a debt with them. She called Account Control Bureau which is their third party collection agency and told them to remove any debts that I have associated with them because my insurance with XXXX XXXX XXXX XXXX that I've been covered with the last 5years, has covered all medical expenses.

My complaint is with Account Control Bureau collection agency who has 5 medical bills that are being reported incorrectly with XXXX and XXXX for the last 2-4 years. On the other hand XXXX have delete all 5 medical bills due to inaccurate reporting and not being able to prove the debt was mine verified and validated. 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to release any of my medical information to this third party collection agency ( Account Control Bureau ).

Account Control Bureau is reporting 5 different amounts with the same account from different creditors. 
Account number:XXXX 1. $ XXXX XXXX XXXX XXXX, XXXX 2.  $ XXXX XXXX XXXX XXXX 3. $ XXXX XXXX XXXX XXXX, XXXX 4. $ XXXX XXXX XXXX XXXX 5. $ XXXX XXXX XXXX XXXX All creditors and account control bureau have not being able to provide legitimate proof ( verify and validate that the debts is mine ) therefore since these have been reporting incorrectly, i'm requesting immediate removal.
Product: Credit reporting or other personal consumer reports

First of all, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX. Please delete these fraudulent accounts from my file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report XXXX and Transunion to the Ombudsman and the OIG!
Product: Checking or savings account

On XXXX  XX/XX/2023 my account was suspended for " suspicious '' activity after purchasing XXXX goods. After sending multiple forms of identity / residency proof, and explination of funds in question ( an {$1800.00} payment to a friend who loaned me money ) they have still and continue to deny me access to my account. XXXX  XXXX XXXX they answered me everyday. It is now XX/XX/XXXX and I'm not being answered at all after sending XXXX more final proofs of my residency. I am now not going to get paid as my paycheck goes to this XXXX bank, I'm going to miss payments, and I have been left out to dry all week as they have NO physical location I can go into. I want my account opened and that's obviously too much to ask for. These people and places need to have direct contact lines to people not just some XXXX on the phone who speaks broken XXXX and says " oh sorry i can't do nothing about that. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and myself refinanced or mortgage and paid off IN FULL our credit cards, on XX/XX/20. I have the cancelled check and confirmed with our attorney that the funds cleared on XX/XX/20. Amt is {$450.00}, check # XXXX. QVC/Synchrony Bank continues to charge me interest. They say I now owe {$600.00}. NEEDLESS TO SAY, MY CREDIT SCORE/HISTORY IS TAKING A HUGE HIT. I have been in contact with them continually but to no avail. Please help. 

Thank you, XXXX
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

XX/XX/year> Cashier check XXXX XXXX was issued by XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$4400.00} and mailed to Ally. Check reflected my full account number and name. As of XX/XX/year>, the payment had not applied to my Ally credit card account. I contact XXXX that day and they confirm cashier check cleared funds on XX/XX/year>. They provided a copy of check front and back to me. I then contacted Ally regarding the issue. They show no record of payment and requested that I fax a copy to XXXX. I sent fax on XX/XX/year> and also uploaded using secure document upload on Ally website. As of XX/XX/year> they payment was not resolved and they again asked me to submit front and back of check via fax to XXXX. I resent the original fax and again uploaded using secure document upload on Ally website. They advised for me to call back today XX/XX/year>. This morning I called and requested the call to be sent to supervisor when again I was asked to call back in XX/XX/XXXX. I spoke with XXXX in customer service who requested the resolution team contact me today by phone. As of XXXX MST, I have not received a call and payment still has not been applied to my account. Interest is accruing on the account everyday that they delay. Additionally, I was forced to make payment on account in excess of what it should have been if payment was applied in a timely manner. The check was issued for full balance as of XX/XX/XXXX, XXXX request that the payment to be applied as intended. This is effecting my credit score as well, showing a much higher credit utilization than there actually should be,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters and notices to EXPERIAN to get inaccurate information removed from my credit report. I previously have been trying to get EXPERIAN to validate and verify all accounts listed on my credit report. After further review of my Consumer Report all the accounts that are being reported have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which is a fact makes the reporting of all the accounts on my Consumer report inaccurate. This is in my second CFPB Complaint the week, the inaccuracies on my Consumer Report are cause me mental anguish and I hope I wont be discriminated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my account and request an update of their status to " paid on time, '' in accordance with the provisions outlined in the Fair Credit Billing Act, specifically under 15 USC 1666b. 


XXXX XXXX XXXX XXXXXX/XX/XXXX {$6300.00} Credit Card XXXX LATE XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Credit Card XXXX LATE XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$53.00} XXXX LATE As per my rights under this federal statute, I am entitled to dispute any billing errors, including late payments, and request corrections to ensure accurate reporting. Additionally, I want to remind you of the requirements set forth in 15 USC 1637 and 1637b, commonly known as the " Billing Error Resolution Procedures '' and " Billing Error Resolution Act, '' respectively. 

According to 15 USC 1637, before any late payments are furnished to my credit report, I should receive a notice in the mail requiring disclosure or the 1637b disclosures at least 21 days prior to reporting. Failure to provide this notice renders any alleged late payments non-existent and not applicable for credit reporting purposes. 

To date, I have not received any such notice as required by law. Therefore, any late payments currently reflected on my credit report must be treated as inaccurate and invalid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally report an issue with Experian regarding their failure to report accurate information on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681 - Congressional findings and statement of purpose.

As outlined in the Congressional findings, accurate and fair credit reporting is essential for the efficiency of the banking system and public confidence. However, my experience with Experian has shown that they are not adhering to these standards. 

I have attached documentation indicating that Experian failed to update my XXXX credit card payment, despite the fact that this account is reported on the XXXX of each month. This oversight has negatively impacted my credit score and overall creditworthiness, which I believe is a violation of my rights as a consumer. 

I kindly request that the CFPB investigate this matter and compel Experian to correct the inaccuracies in my credit report as soon as possible. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

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

I sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.
Product: Debt collection

I have no idea were this account came from, I've tried to call and write multiple time but no one answers or responds. I've never even received a letter or phone call from these people, the only reason I even know about the debt is because I'm currently in the process of building my credit and whatever this account is, is getting in the way.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" ( 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  ) '' As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) in general : If, after any reinvestigation under paragraph ( 1 ) of any information 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- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

Called TIAAXXXX XXXX to make a payment to satisfy delinquency. The XXXX rep ( s ) informed me that I needed to speak with the attorney since my mortgage is now on foreclosure status. I was given the number XXXX, XXXX XXXX XXXX. was the attorney. I left numerous voicemails and not able to get a hold of anyone. I have been calling and leaving voicemails since XXXX this morning and have not heard back from anyone. Finally at around XXXX I am able to get a hold of someone by the name of XXXX XXXX . Instead of taking my payment for the settlement of {$7700.00} which is whats printed on my bank statement he informs me he has to reach out to the bank and it can take a week to get the settlement payment amount. I am ready to pay now and feel like this is a tactic to get more money out of me or to make it more difficult to get out of the situation I am Im. I have not been served a summons or any documentation from TIAA, XXXX, or XXXX and XXXX XXXX, in regards to the status of my mortgage.
Product: Credit reporting or other personal consumer reports

I have been requesting that XXXX, XXXX and Experian allow me to exercise my right to opt-out of sharing my information. According tot he Fair Credit Reporting Act 15 USC 1681 Section 602, it states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. I am the consumer and have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states that " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of this customers ' nonpublic information ''. The financial institutions XXXX, XXXX, and Experian do not have my consent to furnish this information and for a fact do not have my written consent to do so. 15 USC 1681 section 604 a section 2 states that " In general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. Any and all consent to XXXX, Experian and XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option. Experian, XXXX and XXXX, who are Furnisher of information to credit agencies, never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 more than seven years ''. These accounts are adverse items that they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish and information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 15 US Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are no maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' " I am opting out of your reporting services ''.
Product: Debt collection

To complaint XXXX, RPM General counsel XXXX XXXX wrote `` Upon receipt of this complaint, RPM contact Rock Creek Capital , LLC, the current owner of the debt. Rock Creek advised a credit in the amount of {$3700.00} had been credited to the account. There remains a balance of {$120.00}. XXXX XXXX may contact RPM to resolve the remaining balance. XXXX XXXX General Counsel '' The response does not provide any context or evidence about the remaining debt, which is still unsubstantiated and does not match anything listed on any of the paperwork from the company that has ever been provided to me, nor is there any offer to send a receipt or explanation of the remaining balance. Clearly I will have to make another request to the attorney general 's office, another cfpb complaint and another certified mail. 

They have not provided any context or evidence or receipt or explanation of why there would be a remaining balance at all, and the remaining balance does not match any other provided figure in any of the documentation that the company has ever provided, not that there has ever been any communication about any debt ever either by Rock Creek capital or by XXXX. This is clearly a farce. 

They need to absolve the debt entirely, immediately. 

Please note that the address provided by RPM clearly has a typo in the name of the city, they listed XXXX XXXX, the correct name of the city is XXXX XXXX Please note that this address is also simply a virtual or fake because it is also listed for https : //www.bellapsych.com/contact-psychiatrist-bella-living.html in XXXX XXXX Also note that in the documentation provided by rpm, the name of the creditor is either erroneous or has a typo, as it is listed as " XXXX Rock Creek Capital, '', which is not even the name of the creditor that they claim to have the debt in, which does not even have an actual office and the office is actually occupied by a completely different and unrelated company. 

Again, this is so obviously a farce.
Product: Vehicle loan or lease

I have a car loan I overpaid. Check was sent in XXXX peoples names. The loan was several years ago. This company is trash.
Product: Prepaid card

I previously filed a complaint on XXXX about the same issue with the AMEX rewards cards. I am filing another complaint because I have received the last XXXX prepaid cards and those do not work either. I am not sure how AMEX are providing cards for use yet they all have issues and can not be actually used. I have XXXX more cards at XXXX each, totaling XXXX that I cant use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get an auto loan removed/deleted off my credit report for months. I've had medical issues, got behind on one payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that Equifax would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it