23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reached out to these companies as well as XXXX XXXX and Equifax about the misuse of all unauthorized information that is reporting to my credit report. 
The Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. And all these laws have been broking.

I have sent dispute letters and no responses in a manurable time. I would like to have these companies investigated as well as having these accounts removed and deleted from my credit report. I've attached the information that was sent. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

In XXXX of XXXX  I had a tear duct replaced with XXXX. They misbilled my insurance, which led to a {$700.00} discrepancy. I refused to pay XXXX  the additional {$700.00} they were demanding, so they sold my " debt '' to GLA Collections out of XXXX, XXXX Over the course of the next 18 months, XXXX sent me {$700.00} back, which I immediately paid to the debt collector GLA Collections. This debt has been settled since XXXX, and GLA continues to harrass me with robocalls that fill up my voicemail in a matter of days.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has a phone number from 10 years ago. I have been calling since XX/XX/2019 to get it updated to no avail. I don't understand why they will not make any updates.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Inaccurate Reporting and Potential Fraud Regarding Account with Affirm IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : Affirm Inc. is inaccurately reporting my accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX as " charged off '' on my credit reports for the past three months. However, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required if the debt has been canceled or charged off for tax purposes. The absence of a 1099-C strongly indicates that the debt has not been properly charged off, rendering the current reporting both inaccurate and misleading. 

Furthermore, if Affirm Inc. does provide a copy of the Form 1099-C ( Copy B ), it would represent a certificate of indebtedness, which is considered income. Per federal law, income is not permitted to be reported on a credit report. Therefore, if Affirm Inc. provides a 1099-C, they must also remove the " charged off '' status from all three major credit bureaus, as its presence would then violate the Fair Credit Reporting Act ( FCRA ) and misrepresent the nature of the account.

This inaccurate and potentially fraudulent reporting has caused undue harm to my credit standing. Affirm Inc. must act in compliance with both IRS regulations and the FCRA, which mandates that all information reported to the credit bureaus must be accurate, complete, and verifiable.
Product: Debt collection

During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over XXXX credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my XXXX, Equifax and XXXX consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed XXXX, Equifax and XXXX of the unauthorized use ( 15 USC 1602p ) on my report. I required XXXX, Equifax and XXXX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that XXXX, Equifax and XXXX are willingly and knowingly reporting false information on my consumer report. I required XXXX, Equifax and XXXX to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, XXXX, Equifax and XXXX has yet to respond to the letter sent through the mail. I demand XXXX, Equifax and XXXX to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that XXXX, Equifax, and XXXX delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information XXXX, Equifax and XXXX is reporting on my consumer report. XXXX XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated report.
Product: Debt collection

I have three credit card debts on my reports that were not opened by me! I send multiples requests requesting validation and proof of contract and they have fail to provide me the requested information. Thus debts are affecting my credit and I'm very unhappy of the lack of attention this co pay had showed to this matter by not sending the requested documents proving the validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB complaint on XX/XX/20- the issue itself has not been resolved from this company. I was harassed under FDCPA regulations. On XX/XX/20 I received a phone call from yet another collection agency who on XX/XX/20 purchased this same XXXX XXXX   account. The previous agency is supposed to hold the account while investigation is pursued and resolution is made. Instead they close the account and the originator " XXXX XXXX XXXXXXXX XXXX sold my account to this new agency, Receivables Management # XXXX. I told this company I had a XXXX, CFPB and attorney general complaint logged as well as speaking to management about the FDCPA violation on the XXXX of XXXX. This is continuing the harassment when I tried to set up payment for XX/XX/XXXX. I requested a mutual walk away and {$1000.00} due to primitive damages. At this point I may be requesting more due to the lack of respect and continuing to sell my account when a hold is supposed to be placed on the account due to the complaint. Unless there is a resolution I am not aware of. I have contacted my internal legal counsel at my job- I am a XXXX   XXXX for a XXXX  XXXX  company that XXXX  XXXX  to collection agencies and law firms. So I was guided on how to proceed and was told to keep them up to date on this matter. I will be discussing this phone call with them again today to see what further actions need to be taken since I am not being taken seriously and the account was re-sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit reports a XXXX XXXX, Ive never went by any other name than XXXX XXXX XXXX. I have been checking my credit reports and didnt know that i could have a false name removed off my account until now that i got woke. So for years this XXXX XXXX person has been on my account oblivious. To have it removed. I don't even know a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 disputes trying to get information from Medical Data Systems off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with XXXX and XXXX from Medical Data Systems. XXXX stated they ( MDS ) need to electronically delete the information from their side and MDS stated they have requested a manual deletion sinceXX/XX/XXXX and have no control over if XXXX  actually deletes it or what timeline they move. Even after submitting the letter XXXX from XXXX stated that the letter meant nothing if MDS did n't accept the letter as proof and voluntarily delete it. I believe MDS has done what they can do because its been deleted from my XXXX report and XXXX is the only one not deleted. However even after submitting a letter from MDS to MDS attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$59.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have been an HSBC Premier customer with both banking and credit products for approximately 4 months. From the beginning, HSBC has had on file both my residence address and a separate mailing address. The mailing address is also considered my credit card billing address. 

My mailing address as given to HSBC for all of my deposit and credit accounts is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX In my deposit accounts at HSBC, they have my mailing address correct and there are no problems. However, in my two credit accounts, HSBC negligently and carelessly lists my mailing address as : XXXX XXXX XXXX For some reason, their staff is not only incompetent, but also illiterate whereas they remove all vowels. 

I have corrected this address online at least six different times. After each correction, two days later they revert the correct address back to the illiterate version. I have phoned HSBC and spoke with their dedicated address change team and explained this issue and they corrected the issue on at least 5 different occasions. Again, two days later the illiterate version of my address reappears. 

This is causing me serious problems. HSBC has caused the incorrect and undecipherable version of my address to pollute all four of the major credit bureau files in addition to XXXX. In addition, this intentional and negligent pollution of of my credit bureau files has caused me to be denied two times for credit. Creditors decline my applications because, they state, " Unable to verify my identity ''. When I call these creditors to ask for an explanation, they state that the address I give on my application does not match the address on my credit bureau files. 

In addition, HSBC 's willful, negligent and incompetent conduct has caused me to have online purchases denied when the seller uses the Address Verification Service provided by the major card association. 

I have provided two attachments. One shows how I correct the HSBC address error. The second shows how the error reoccurs within two days of a successful correction.
Product: Money transfer, virtual currency, or money service

There were XXXX Transaction, the first on XXXX XXXX at XXXX AM and another on XXXX XXXX at XXXX AM, there was a transaction of XXXX XXXX  on XXXX XXXX and XXXX XXXX  on XXXX XXXX costing roughly around {$XXXX} on XXXX XXXX and {$XXXX} on XXXX XXXX which I didn't approve, I didn't see the first transaction but during second transaction time I was trying to send someone payment of like {$XXXX} worth of XXXX before this like XXXX min earlier but I changed my mind toward it then I put my phone down but after XXXX min I open coinbase to check something then I see XXXX transactions which I didn't authorize.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXX Inquiry : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Equifax Accounts XXXX. XXXX XXXX  XXXX Account Number : XXXX Amount {$300.00} XXXX. XXXX  XXXX Account Number : XXXX XXXX {$230.00} XXXX. XXXX Account XXXX : XXXX XXXX {$40.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3400.00} XXXX. XXXX Account XXXX : XXXX XXXX {$2300.00} XXXX. XXXX Account XXXX : XXXX XXXX {$3500.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$2300.00} XXXX. XXXX Account : XXXX XXXX {$7600.00} XXXX. XXXX Account : XXXX XXXX : {$10000.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$6200.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3500.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3600.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$7900.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$7300.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3600.00} XXXX. XXXX XXXX Account XXXX : XXXX Amount : {$270.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX/XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt or credit management

I started with Lexington law firm back in XXXX of XXXX. Paid my fees upfront, which was supposed to guaranteed my credit score to increase with the work they were supposed to be putting in!!!! Stopped working with them in XXXX due to no improvements as they promised which took longer to get me a house due to my score is still the same dang score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received. With your assistance I am re-sending then again. REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all XXXX credit reporting agencies all by certified mail ( copies of receipts enclosed ) requesting you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft. To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft. Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the Consumer Financial protection Agency for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally. If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of one item have been delete and that the creditor or collectors have also being advice and have them what is  necessary on their part to follow for not to cause any more damages to my credit profile. I take my credit very seriously and any lack of professionalism and assistance will be. I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I anticipate your response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 instructions
Product: Credit reporting or other personal consumer reports

I am filing this CFPB complaint because I noticed that there was misinformation being reported by a debt collection agency called LVNV Funding/Resurgent. The issue that I am having with this " collections '' agency is that they are deliberately reporting an inaccurate open date stated to be XX/XX/XXXX, when the account was actually stated to be opened on or about XX/XX/XXXX, according to supportive documentation that I have. The Fair Credit Reporting Act mandates complete and accurate credit reporting. The misinformation that I have discovered is materially misleading because the collection agency is reporting the date when they acquired the account instead of the true account open date. This matter is a violation of the FDCPA section 1692e.
Product: Debt collection

I received a letter of collection from HRRG XXXX XXXX XXXX XXXX, Florida XXXX stating that a creditor, " XXXX XXXX XXXX reported that I owed monies for XXXX accounts. I checked yesterday with my health care provider billing department if I have an outstanding balance, or anything in collection or even anything owed to a Contracting Service provider and they said I have a {$0.00} ( XXXX ) balance. That I owe nothing. These stated balances are BOGUS and are nothing more than an EXTORTED demand for money that I do NOT owe. Furthermore, I have not been to a doctor for any procedures for quite some time, nothing more than a routine doctors appointment and certainly no " Off Site '' procedures. I have researched this matter on XXXX and there are many other people with the same problem.