23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose of furnishing my personal information to any third party.15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( 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. Also, please be aware that as per my rights under the Fair Debt Collection Practices Act, I have a right to request full verification of this debt and to dispute it unless full verification is made. This offer is valid for 14 days from the date of receipt, after which it will be withdrawn and I will exercise my right to full verification.I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency As a consumer, I am demanding the deletion of the following account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Balance : {$1700.00}
Product: Debt collection

My consumer rights under The Federal Trade Commission the FDCPA ( Fair Debt Collection Practices Act ) I XXXX XXXX  and XXXX XXXX XXXX I demand copy of documents or contract. 
TO : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Minnesota  XXXX 1 : Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, 2 : above name collectors never sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure.

3 : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract.

4 : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account charge off. 
Verification that this debt was assigned or sold to collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am reaching out to the CFPB to have Equifax make good on their reporting errors. I recently read online that Equifax has purposely reported inaccurate credit scores for consumers whose job it was to protect consumers. I as a XXXX  XXXX  feel especially effected by this mishap. I pray that the CFPB will encourage Equifax to right this irreparable MISTAKE! I dont know any other way I can recover, except for the removing all account items that are in good standing and also those in negative status. This blatant mistreatment of minorities has to stop now! I am now paying high interest on credit accounts because of this issue! No compensation will reversed the clock for all the suffering I have endured as a result of poor credit scores being reported by Equifax. Please XXXX help me before its too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, ALLY FINANCIAL , INC add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

There was a XXXX  XXXX bankruptcy reported to all three credit bureaus, and I want you to investigate and advise me on where you obtained this information.
Product: Credit card

I had a bad experience at a resort and asked American Express to assist me with a dispute. They initially helped but where the situation got stuck was the representative who was assisting me was out of the office for extended period of times and would not return my emails or phone calls. I finally reached her XX/XX/XXXX and she told me she would contact the manager of the resort and get back to me. As of XX/XX/XXXX, I still do not have a return call or an answer to my numerous emails. I finally wrote to the Chairman of American Express and I received a very disturbing letter in return stating, " They did everything they could and they will no longer correspond with me over the issue, and the manager of the resort will not return their calls. '' I have been a customer for over 30 years with American Express and it is a complete disregard for my loyalty that they let this manager, who is so unresponsive, get his wishes and I get stuck with the entire bill. American Express Executive customer service is a joke!
Product: Debt collection

I received a collection letter on or about XX/XX/year>. I responded using the included form and prepaid envelope that I am disputing the debt. This was mailed on or about XX/XX/XXXX. 

It is my understanding that since I have disputed the debt, that all collection attempts must be halted. 

I was called on XX/XX/year> at XXXXXXXX XXXX  with a collection attempt. I stated that I had responded to the previous letter and was awaiting response to that letter still.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( XXXX ) This is an alledged debt. This action was unfair in reporting this erroneous information without first consulting with me the consumer. There is no proof that this transaction even took place. The decision were made impartial because the FEDLOAN SERVICING allowed information to be reported while only hearing one side of the story. Also this process infringed upon my right to privacy by having a conversation about me with a third party and reporting this information as results of that third party.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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  Balance : {$440.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

I got an alert of XXXX purchases early in the morning which I did not approve or did, I called customer service immediately to report the charges made on a home depot in Colorado they also changed my Address and email at that time, some one order online, I reported the charges as soon as they happened and they still said it was me who made the charges, I explained to them that I have never been in Colorado and I live in Arizona, I have never used my credit card near Colorado but they did not want to help me and still charged me for the XXXX purchases made in Colorado, this was never resolved I spend hour and hours calling them, I even had to fail work in order to call them since they can only answer me during office hours and I work office hours. 

I never got this resolved and I ended up paying this, I need help resolving this and getting my money back that I works so hard to get. 

The purchases where as follows {$810.00} and {$1300.00} both made on XX/XX/scrub>/2023, I called them that morning at around XXXX XXXX  my time in Arizona, and I told them this was not me and to cancel them immediately since I was being ID fraud by someone in Colorado based on the information provided by the rep and also since they changed my address online to a Colorado address
Product: Mortgage

Every single year, Axos Bank is unable to obtain renewal information on my Homeowners Insurance policy and harasses me to provide the information directly to them. I have paid my homeowners policy and mortgage every single month on time. I have named Axos as the mortgagee on the insurance policy, following their instructions. Even after receiving threatening letters from Axos, I have provided the policy itself. Today, I received a letter that Axos was unable to update my insurance and " You must pay us. '' I do not understand how Axos is unable to properly service my loan by obtaining this information directly from Travelers. I have given all parties the requisite information. I request Axos cease mailing me threatening letters and that they review their internal policies and procedures for 1 ) communicating with customers and 2 ) tracking insurance policies on their loans.
Product: Vehicle loan or lease

I bought a new XXXX in Arizona XX/XX/XXXX. After driving to my state of residence in WA I started trying to get a copy of the title in order to get my vehicle licensed. The dept of motor vehicles in WA faxed the request of XX/XX/XXXX, again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I called on XX/XX/XXXX, XX/XX/XXXX and was told they would expedite the request to fax the title. 
XX/XX/XXXX I talked to XXXX who said he would expedite and mail. 
XX/XX/XXXX I talked to XXXX who said they needed a paper copy and it would take 3 weeks. 
XX/XX/XXXX I talked to XXXX ( not sure of name because accent was too strong ) who was a superviseor ). He said got the paper title on XX/XX/XXXX and it would be sent XXXX XXXX in 5- 7 days. 
XX/XX/XXXX Talked to XXXX who said would XXXX XXXX  title within 5 days and would expedite. 
XX/XX/XXXX Talked to XXXX who said would put in a state to state request to send the title XX/XX/XXXX Talked to another supervisor, XXXX ( not sure because the guy hardly spoke XXXX ) who said he would send the request ( XXXX ) to the title department. He refused to give me any way to contact the title department and was extremely rude. Told me the request was never sent to fax too paper title after it was received on the XXXX! Now, another 3 weeks. Meantime I have extended my license and will have to pay again to extend it. This is the worst trained, most incompetent agency I have ever dealt with IN MY LIFE!!! Just because of them I will never buy a XXXX again!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB. XXXX SSN # XXXX .... I have two accounts listed below that I do not recognize or give permission or consent to be this is fraudulent information and This cfpb complaint has been filed to request pursuant to FRCA 605B ( 15 U.S.C. 1681c-2 ) That you, the Experian credit reporting agency block information appearing on my consumer credit report that is the results of identity theft and fraud within four business days of receiving this complaint. This fraudulent and accurate and false information consists of a personal credit card account open at XXXX XXXX, on XXXX under the account number # XXXX with a balance of {$1000.00} ..... XXXXXXXX XXXX, open on XXXX with a balance of {$3800.00}... I do not recognize these accounts on my credit profile and did not give authorization or consent to be open this is fraudulent information these counts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, I've attached a list of the two fraudulent accounts and questioning as well as a copy of the items I do not recognize the aforementioned accounts, collections, and heart inquiries appearing on my consumer credit report maintained by you were not open, made, or initiated by me. All of the fraud. I have attached a copy of FTC identity theft criminal complaint number and proof of the US Federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud please remove immediately I demand it
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccuracies on my credit reports with XXXX and XXXX, caused by the actions of XXXX XXXX XXXX, Volvo Car Financial Services, and XXXX XXXX. These inaccuracies are severely damaging my creditworthiness and reflect violations of federal consumer financial laws, including the Fair Credit Reporting Act ( FCRA ). The following details describe the harm caused : XXXX Report - XXXX XXXX XXXX XXXX XXXX XXXX continues to report a charged-off account with a balance of {$5100.00} and a credit limit of {$5000.00}, despite being legally inactive in Texas. 
Public records from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirm that XXXX XXXX XXXX is not authorized to conduct business in Texas, invalidating their ability to report on accounts tied to Texas residents. 
XXXX failed to investigate my formal dispute and continues to publish this inaccurate and unlawful information. 
XXXX Report - Volvo Car Financial Services Volvo Car Financial Services has reported a charged-off account with a balance of {$43000.00}, despite multiple discrepancies, including : A Last Payment Made date of XX/XX/year>, which conflicts with their reporting of {$0.00} payment received. 
Contradictory terms and charge-off dates that do not match actual account details. 
Despite formal disputes, XXXX has failed to reasonably investigate or remove these inaccuracies. 
XXXX Report - Volvo Car Financial Services XXXX similarly reports inaccuracies for this account, including conflicting charge-off statuses, inaccurate payment histories, and contradictory balances. 
Despite my disputes, XXXX has failed to take corrective action. 
XXXX Report - XXXX XXXX XXXX XXXX reports adverse information related to an account that is not mine and is potentially tied to trafficking-related circumstances. 
Despite providing supporting documentation, XXXX has not removed this inaccurate information from my report. 
Actions Taken by Me : I submitted disputes to XXXX and XXXX for the inaccuracies related to XXXX XXXX XXXX, Volvo Car Financial Services, and XXXX XXXX. 
I provided supporting documentation, including proof of XXXX XXXX XXXX inactive status in Texas, documentation of my payment history with XXXX, and evidence of my status as a XXXX XXXX XXXX 
Despite these efforts, the inaccuracies remain unresolved, and the credit reporting agencies and furnishers continue to publish misleading and damaging information.
Product: Credit card or prepaid card

I have a ulta rewards mastercard with Comenity Capital Bank. I owe XXXX paid off XXXX other week. They have now added XXXX late fee plus charge also closed my account saying that they did audit to check on my credit report and I have too many inquires on crediT report so closed. I dId n't not get any notice about closure. when I called and talked to them they were not helpful and cold.
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo card services has been furnishing erroneous information to my consumer report for years. They are stating that I owe a balance of {$1500.00} yet they have sent me a XXXX dollar check and have been unable to explain the reason for sending me a XXXX dollar check when I am supposedly in debt. I request that this incorrect information be removed from all three of my consumer reports XXXX XXXX XXXX and XXXX. I request that Wells Fargo reply to my affidavit of truth that I sent. Wells Fargo card services has also been using abusive debt collection practices. I request that Wells Fargo pay the invoice sent in my affidavit for all consumer violations. This is an invalid debt and it is completely erroneous and hurting my financial standings my physical health and my reputation Via my consumer report.
Product: Credit reporting or other personal consumer reports

*In accordance with the fair credit reporting act convergent account these XXXX accounts have violated my rights to privacy Account Information XXXX ) XXXX XXXXXXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX ) XXXX XXXX {$760.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX {$430.00} XX/XX/XXXX 15 u.s.c 1681 section 602 A. states i have the rights 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate account that continues to appear on my credit report Despite my previous attempts to address this matter, the erroneous information persists, impacting my creditworthiness. Furthermore, I believe that there have been violations of the Fair Credit Reporting Act ( FCRA ) in the handling of this dispute. 

Under the FCRA, consumers are entitled to accurate and fair credit reporting. It is evident that the continued reporting of inaccurate information constitutes a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.