23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Receivables Management System XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Date : XX/XX/XXXX Date Reported : XX/XX/XXXX Re : Acct # XXXX SSN last four - XXXX Original Amount Owed : {$340.00} Debt : {$770.00} To Whom It May Concern : This letter is being sent to you in response to your attached letter. 

I am a victim of Identity thief and your company is coming up as a collection on my XXXX credit report. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX  and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

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

When I looked at my credit report today, I was devastated to find accounts listed there that dont belong to me. I dont understand what went wrong or how this could have happened. I checked my report like I always do, but now Im seeing mistakes that appeared out of nowhere. I tried refreshing the page, hoping it was just an error, but it didnt go away. Im pleading with you to carefully review the documents Ive sent so I can stop living in fear of this happening again.
Product: Credit card

This is with Discover. I understand that I entered a program with them where they would reduce my interest and freeze my card in order for me to catch up on payments. But for them to tell me that even if I pay off my debt with them I still wont be able to use my card until I completely fix my credit with other companies is ridiculous. It shouldnt matter what I have going on with other credit card companies and collections. As long as Ive paid off my debt with discover then they should let me use my card. I dont think they deserve my monthly payments if theyre still going to keep my card from me at the end of the day.
Product: Student loan

XXXX  was ruled to be a predatory lender. They didnt sold my loans to advantage. This was not approved by me. These loans should be forgiven
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I contacted a mortgage loan officer to get pre-approved for a home loan. My wife and I had sold our home and were interested in purchasing one on the market. While reviewing payment numbers, we were informed for a delinquent account on our credit report. The mortgage loan officer provided me with information to call and get more information on the account. I called and was informed about the delinquent account. My wife and I were unaware the delinquency existed. I immediately call the creditor and paid the balance of {$420.00} on XXXX and asked for the account to be removed from our credit report. The customer service representative informed me that I would need to call all three credit bureaus and dispute the account. I filed disputes with XXXX, XXXX, and XXXX. The disputed showed that the account was paid in full, but still delinquent. I work in the financial services sector with collection organizations. I reached to the the collection agencies we use at my job to get counsel on how to proceed. They informed me that the creditor is the only party that can remove a delinquent account. I called the company on XX/XX/XXXX. They informed me that they could not remove the delinquency without explanation. They told me to reach out to the dealership and obtain documentation from them on the miscommunication they had provided me when turning in the car. I obtained a letter from the dealership onXX/XX/XXXX. On XX/XX/XXXX, I mailed the letter from the dealership and the a request for the delinquent account to be removed from my credit report. On XX/XX/XXXX, I received a letter from the creditor stating the information was inaccurate and the dispute information is accurate as reported. On XX/XX/XXXX, I called the creditor. I spoke with a women and she told me that due to there policies and procedures, they did do not remove accounts from credit reports. I told her that I have provided the information requested from previous calls. She informed me that this is the dealership 's fault, they provided me with incorrect information. I replied that the dealership takes ownership for the issue as stated in the provided letter. She replied that they would not remove the delinquent account. I am providing documentation to confirm all of this communication.
Product: Debt collection

Transworld Systems Inc. is demanding payment of a debt that is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The debtor is listed as XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last year TSI attempted to collect on a medical debt for this same individual. I am not the person responsible for this debt and this debt does not appear on any of my three-bureau credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. Account 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 an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian to Dispute this account ... And I requested Mov. Send letters Told them this was a fraudulent account. I sent them the identity report ... They told me I couldnt request the information. Im Asked them are you denying me this information, he said yes and I said if I contact the attorney general and CFPB they are going to say the Same thing. He said yes. This account is a charge off account but contains a late monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance delete immediately I have full faith in Experian to be an outstanding model company and will protect my rights under the FCRA, please delete This immediately ... XXXX XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report.
Product: Checking or savings account

On XX/XX/2023, when I opened the HSBC US mobile app, I received the error message XXXX upon logging in. I then called HSBC US customer service and was informed that my account was locked, but no reason was provided for the lock. I also attempted to communicate with HSBC US XXXX department regarding the situation, but again, no reasons were given ; I was simply told to wait. It has now been over a month, and my account is still inaccessible.
Product: Credit reporting or other personal consumer reports

There is inaccurate information being reported on my XXXX file for the account with Truist Bank. 

1. The account states I've paid of 51 % of this account. Why is it 51 %? I have previously requested verification in the form of documentation and XXXX has failed to verify this information. 

2. The term on the account states XXXX  months ( XXXX  years ) but then states the account was opened XX/XX/XXXX ( XXXX yrs, XXXX months ) ago. That date is XXXX years and XXXX  months longer than the initial term of the contract. I request verification of said contract and not from the creditor reporting this account as the reporting is inaccurate. 

XXXX. XXXX reports the last payment made on this Truist account was XX/XX/XXXX. A payment was made when? This information is inaccurate and I would like to request verification in the form of a receipt showing the payment which XXXX is reporting as being made on XX/XX/XXXX. 

XXXX. XXXX is reporting this account was closed XX/XX/XXXX. How was the account closed XX/XX/XXXX when that date is longer than the initial term as well as the date XXXX reports the account was opened XX/XX/XXXX. XXXX years and XXXX  months ago? 

Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov.
Product: Credit reporting or other personal consumer reports

To whom it may concern, CERTIFIED MAIL!!!! URGENT!!!! FTC COMPLAINT FILED THIRD ATTEMPT!!! 

I, XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY. 
PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : 1. Dept of Ed Acct # XXXX XXXX. Dept of Ed Account # XXXX XXXX. Dept of Ed Account # XXXX XXXX. Dept of Ed Acct # XXXX XXXX. Dept of Ed Acct # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Bankruptcy Ref # XXXX 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX XXXX INROLLMENT CARD WITHOUT INROLLMENT CARD THEN PLACE XXXX WAITING FOR SUPPLMENT SECUITY PAYMENT XXXX TAKE THERE MONEY XXXX XXXX XXXX  XXXX XXXX CARD CANELL SEND NEW CARD XXXX THEN INPUT ALERT ACCOUNT XXXX XXXX  EFT XXXX XXXX CARD XXXX A DUCUMENT FAX DMV XXXX COMPLAINT DUCUMENT NOT CLEAR REFUSE SEND NEW CARD CARD XXXX XXXX XXXX   XXXX DISRIMINATION RACE ALOS CREITED POOR AMEREICAN BOEN STATE WITHOUT CREITED CARD GRANTED UPON FEDRAL PAYMENTS DEPOSIT ACCOUNT USEING PRE PAID CARDS NEED BANK CARD XXXX XXXX  XXXX ROUTING XXXX CLOSE CARD XX/XX/2018 OPEN DEPOIST NEW YORK STATE SUPPLMENT SSP XXXX DEPOSIT ACOUNT REJECTED SEND BACK SENDER PAPER CHECK LEFT ACCOUNT XXXX I WAS MAKING PAYMENT ACCOUNT XXXX XXXX  ONTHER FIRM XXXX XXXX XXXXMASTER CARD RESTRCITION CARD BLOCK CARDS SEND FEDRAL PAYMENT BACK SENDER DEPARMENT TRERTY KID TOOK TRADE AUTOBOADY TTOK LOAD XXXX GOVERMENT CREITED BURURE ICAN GET CREITED CARD DAMGE NAME ONTHER XXXX XXXX ONTHER FIRM XXXX XXXX  XXXX ACCOUNT EXCESS CARDS
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.
Product: Payday loan, title loan, or personal loan

I received a CD secured loan with US Bank. They failed to match the loan maturity with the CD on purpose as when I tried to refinance to do so, I contacted 5 branches of the bank and each one stated after not knowing what a loan officer was that I would have to break the CD to refinance or get a new loan matching the original CD maturity. On a {$250000.00} loan secured by this a CD of equal amount, one branch said all they could loan me is {$100000.00} but I would have to break the CD before maturity to do the loan documentation. The next branch said that yes they could loan me the full amount of the CD but again I would have to break the CD and place in a new CD for a new CD number to be used in the loan processing. In all cituations, the plan is to steal the interest accumulated on the original CD with an early withdrawl penalty!!!!!!!! US Bank has been doing things like this for a long time and cost us on this transaction by having to finance with another Bank {$3500.00}. This is real money to me. US bank needs to be stopped. They need to hire people with financial degrees or education not form fillers who don't know what a loan officer is. After I did not accept the loan terms they suggested they sent letters of declination based on income with the one loan when I was never asked about income in our application or request. The other loan denile stated simular ridiculous and fabricated terms for denile. By the way the CD that was securing the debt had accumulated interest well over any payoff of the loan. How would I not have the income to pay if off. I think they should be penalized for the loss I have incurred and money given to me not the office of the comtroller or federal reserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've try reaching out to Credit Acceptance Corp any time and still have not gotten a respond I send them debt validation letters asking them how they've verify these items on my report and I've had a car loan with them and still no respond. I've contacted the credit bureaus asking them to remove these accounts from my credit profile and still no responds.I would like these accounts remove from my credit profile.
Product: Credit card or prepaid card

On my XX/XX/XXXX billing statement the company had moved the billing cycle date and I missed paying off the entire balance by {$74.00}. 
I noticed this and paid the interest due and the entire balance the following billing cycle on XX/XX/XXXX. The interest charge was {$10.00} which seemed in line with the 14.99 % rate so I did not question it. 
on XX/XX/XXXX I noticed another interest charge for XXXX. I called the service line. They told me that because I missed paying off the {$74.00} on my XX/XX/XXXX billing cycle that I would be charged interest on my average daily balance card use. So even though I paid my account in full they said they had the right to charge me interest on all of my purchases for 2 months using their average daily balance interest calculation .... 
After 3 phone calls they agreed to take off the interest charge since I always paid my account in full for 2 years and they moved the billing cycle dates.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax regarding unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with Equifax, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : 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 XXXXXXXX I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed. 

I have formally disputed these inquiries with Equifax, as documented in my letters. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report. 

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there we're two credit card accounts that was opened in my name with Discover and XXXX  XXXX XXXX. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.
Product: Debt collection

I've disputed this transaction with XXXX  3 times already, every time I call them to advise debt has been paid and I have documentation to prove it, they advise me that a dispute has been started, but actually do not start one. I have continuously asked for proof that a dispute has been submitted, and they continue to refuse to provide one. I have tried submitting disputes online as directed by XXXX, but their website never works, and I've advised them the latter. I also called the credit collection agency and gave them authorization to talk to XXXX  regarding this matter, XXXX  will not contact the credit collector to inquire about the debt. I have tried calling XXXX  over 15 times, and i keep getting bounced from one supervisor to the next, with no action taken. I have mailed a letter to XXXX with a receipt of debt payed, still nothing.