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

I have advised Experian that XXXX XXXX XXXX has not provided me with a copy of my signed HIPAA Release form. I have requested also that Experian provide me with a copy of my signed HIPAA Release form since they are reporting this information on my credit file. Since my health information is being disclosed without my authorization my information is not being protected. This is a serious violation of my HIPAA Rights.
Product: Credit card or prepaid card

American Express is taking advantage of its customers. 

They sent an email that if I dont pay XXXX $ they would lower my credit limit. I am not over the limit and I pay at least the minimum on my bill on time every month. 

The problem is some people dont have XXXX $ lying around and further more this particular account is a regular account and not one of those that they monitor without the spending limit. 

They just did this exact thing to my business account. 

They lowered the credit limit below my actual account balance making me responsible for {$3500.00} ( this is a separate account ). There has to be a violation of consumers rights by doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts I have no knowledge of these accounts due to the XXXX data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.
Product: Consumer Loan

Drivetime account number XXXX ... .has illegally reported on my XXXX as the account is not mine. I contacted XXXX and notified they are in direct violation of FCRA and legal action will be taken against them. XXXX and Drivetime both have failed to provide proof the account belongs to me. I need to have CFPB notify both XXXX and Drivetime about this and remove it from my credit file as XXXX has failed to remove this account per law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX  XXXX XXXX, NC XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

19. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

20. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

21. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

22. HELVEY ASSOC Account Number : XXXX Please remove this inaccurate information from my credit report. 

23. Account Number : XXXX Please remove it from my credit report. 

24. XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I was told when first opening this account over a year ago that I wouldnt have to pay overdraft fees because my account comes with protection and was assured that I was one of the lucky few. Ive been charged hundreds of dollars just in this past month to three simply from overdraft fees. Ive called more than twice to try to speak with different agents and get told the same thing every time, which is no. 
I wasnt able to make payments from being unaware that my checking was in the negative which I feel is not good business considering Ive funneled many thousands of dollars thru their institution, alongside my direct deposit hasnt changed from regions not once. I do feel completely entitled to my hundreds of dollars in overdraft fees and i will cause my account and switch direct deposit if I dont get my funds returned. I sincerely do not want to take that route and would like to resume my direct deposits thru their checking along with having s more conscientious disposition on my expenditures. 
Ps. And they charge me double every time!
Product: Debt collection

STATEMENT OF FACTS XXXX. On XX/XX/2022 MOHELA/Lien Debtor received via certified mail number XXXX XXXX XXXX XXXX XXXX a request for proof of indebtedness letter. MOHELA/Lien Debtor received via certified mail number XXXX XXXX XXXX XXXX XXXX a second request for proof of indebtedness letter on XX/XX/2022. 

2. MOHELA/ Lien Debtor as of the XXXX of XX/XX/2022 has not responded to the letters sent nor effected the remedy. 

XXXX. MOHELA /Lien Debtor is at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX 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 a account without my written instructions
Product: Debt collection

[ XXXX, XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XX/XX/year> ] [ JEFFERSON CAPITAL SYSTEMS LLC XXXX [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX MN XXXX : Notice of Code Violation Unlawful Debt Collection Activity in New York State Dear [ JEFFERSON CAPITAL SYSTEMS LLC ], I am writing to formally notify you of a violation of New York State debt collection laws and the Fair Debt Collection Practices Act ( FDCPA ), regarding your reporting or collection of a debt that is not permissible under New York State law. 

The debt in question, [ XXXX ], appears on my credit report. As per Section 380-j ( e ) of the New York General Business Law, certain debts are not collectible under New York State law , including those that have exceeded the statute of limitations or involve entities that are not licensed to collect debts within New York State .

Additionally, under the FDCPA ( 15 U.S. Code 1692e ), debt collectors and credit reporting agencies are prohibited from using false, deceptive, or misleading practices in the collection or reporting of debts.

Specifically, I believe this violation includes the following : 1. [ Attempting to collect a debt after the statute of limitations expired. ] 2. [ Reporting a debt from an unlicensed debt collector. ] I demand that you : 1.Immediately cease reporting this debt on my credit report.

2.Provide written confirmation that this debt has been removed from my credit file.

3.Refrain from any further collection or reporting activities related to this debt. 

Failure to comply with this notice may result in further action, including filing a formal complaint with the New York State Department of Financial Services, the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies.

Please provide a written response within 30 days confirming your compliance. 

Thank you for your prompt attention to this matter. 

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

Experian is reporting bankruptcy on my credit report and they have put in a date of furnish XX/XX/2015 & XX/XX/2015 US BKPT CT XXXX Which is false. I have attached a letter from the United States bankruptcy court XXXX XXXX XXXX XXXX verifying and stating they dont furnish information over to any credit reporting agencies. Experian is falsely stating this information on my credit report and has yet to removed this false information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX on XX/XX/XXXX for an inquiry for a personal loan that I didnt authorize. I immediately called XXXX and placed a fraud alert on my credit report and disputed the inquiry and others that were not authorized. I was told by XXXX to contact the other bureaus which I did. On XX/XX/XXXX I contacted TransUnion and alerted them about someone trying to access credit in my name. I then was told by the representative that a dispute had been open for several inquiries that are on my report. I explained that all inquiries that are not attached to credit on my report are fraudulent. The following inquiries I were told were under dispute : XXXX XXXX XXXX XXXX Of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I chatted with TransUnion online today XX/XX/2022 at which time I was told that although the rep had added the fraud alert she never opened the dispute and have no way of doing so. Ive contacted each creditor on XX/XX/2022 to explain I never applied for credit and asked for the removal of the inquiries which as of yet I havent received receive any confirmation that they would. My issue is with TransUnion. I was told that the inquiries would be disputed and removed now another rep is stating its impossible without the companies whom these fraudulent apps for credit sending them documents for removal. Id like these inquiries removed immediately and a confirmation that my report is indeed frozen from potentially fraudulent activity.
Product: Debt collection

I am XXXX XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
Product: Debt collection

Southeast Toyota Finance ( phone number XXXX calls my number 3-4 times per day asking for someone who used to work for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not be satisfied until I move forward with litigation so this will be the XXXX and final attempt in fixing this matter. XXXX XXXX is being reported as open which is inaccurate this account has been closed since XX/XX/2021 which you can find attached to this complaint. Since XXXX of 2021 theyve been reporting a past due balance of {$1100.00} which is also inaccurate this account has also been paid off XXXX XXXX which you will also find attached and can find yourselves in violation of XXXX XXXX XXXX XXXX XXXX, NO XXXX for inaccurate reporting as well as FCRA SECTION 623 for failure to report this account as disputed on my report as well as the same legal jurisdictions for failure to correct inaccurate information after being provided proof. XXXX XXXX is reporting XXXX late payments on my account which is also inaccurate and you can find yourselves in the same violations listed above as you all were provided evidence showing otherwise. However as neglectful as you all have been Im sure it has been overlooked and once again is attached to this complaint. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are fraud and has been included in both a police report and ftc report. You can XXXX which violations you all have once again managed to pro-cur for reporting this information to my credit report. I expect the information above update or removed in accordance with the information I have provided thank you.
Product: Debt collection

I was given unknown notice on my credit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i owed outstanding debts which threatened my credit without my knowledge of these debts they can not show me proof of my signature being obtained or follow up on resolution of proof
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 at approximately XXXX XXXX, I called LexisNexis and spoke with XXXX XXXX and he stated that LexisNexis obtained my bankruptcy records from the Courts and that the Courts provided and verified that information. I disputed that information to be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX.   The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

XXXX to XXXX repeated calls per day even after advising them to stop calling.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I had an agreement with Navient in XX/XX/XXXX that I was on income-driven repayment with an automatic monthly payment of {$30.00} a month. This {$30.00} was withdrawn from my account once, and I was under the impression that it was regularly happening every month. In XX/XX/XXXX, {$260.00} was withdrawn from my account from Navient. I called them to inquire, and they explained to me that {$30.00} was only withdrawn once from my account in XX/XX/XXXX, and that my autopay and income driven repayment was put on a HOLD for a reason they COULD NOT DISCLOSE. As a result, a lapse occurred, and the regular monthly charge was withdrawn from the card that I had linked to the Navient account without my knowledge. I was in dire straights financially for two months to follow. I had to spend time on the phone with my bank getting an overdraft fee refunded, and I had to borrow money to pay rent. I always want to remain current on my loans as best as possible, so I tried again to set up income-driven repayment. After submitting current paystubs to Navient, they did not send a response in any medium and I just assumed all was good. An email popped up XX/XX/XXXX that my new payment was due and is {$270.00}, clearly not honoring any sort of low-income status. I called them and they said my paystub documents were illegible. How was I supposed to know this? So here I am, several forbearances later, continually accruing interest and desperately trying to just throw a bone of $ XXXX a month on my student loans. It never works! Navient is playing a game.
Product: Checking or savings account

On XX/XX/XXXX I contacted VyStar because I realized my debit card was missing when I was trying to pay for gas in XXXX XXXX FL. During my report of lost/stolen debit card, the representative reviewed and asked me about recent transactions.  I became aware of a bunch of unauthorized transactions done with my debit card and I was transferred to the fraud department.  I explained to the fraud department that the last transaction I made on my debit card was at a XXXX  gas station in XXXX XXXX FL and that any debit transaction from my debit card was not authorized or done by me. I explained that the following transactions were fraud:
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 in unauthorized transactions.
I waited and they denied my claim without truly investigating.  I tried to reopen the claim and send additional supporting documentation such as police report and more but VyStar's online banking, mobile app, and customer support system has been down, unreachable, and/or unresponsive.  Thus, having to file a formal complaint on CFPB.
Product: Credit card or prepaid card

I made a payment for my XX/XX/2023 American Express bill by the due date but my payment was returned as " rejected '' even though my payment method ( checking account ) had the funds ready to be taken out. As a result of this returned payment, I was charged three fees : a returned payment fee of {$29.00}, a late fee of {$29.00}, and an interest charge of {$5.00}. I believe that American Express has been making more errors since this past year and in another instance involving this same card, American Express sent me an email stating they would be sending a new card but no card was sent until I contacted American Express multiple times to sort it out at great expense to myself.

I'm requesting American Express to remove these 3 fees and charges as the payment shouldn't have been returned and the funds for the bill were available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports (  Experian, XXXX  and XXXX, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.
Product: Credit reporting or other personal consumer reports

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 I want these unauthorized inquiries removed immediately according to Federal Debt Collections Reporting Act ( FDCPA ) 623 Law.
Product: Credit reporting or other personal consumer reports

I am writing to report an unauthorized inquiry on my credit report. I recently discovered an inquiry that I did not authorize or have knowledge of this inquiry as a result of identity theft and must be removed no later than four ( 4 ) business days as per 15 U.S. Code sec. 1681c-2.

I have also requested the Federal Trade Commission 's intervention to investigate and rectify this matter promptly. 
Thank you for your prompt attention to this matter. 

Inquiry XXXX XXXX  on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), once information is removed from a credit report, it can not be reinserted without new, valid information. This is supported by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), where the court emphasized the importance of accurate reporting and the requirement for consumer reporting agencies to conduct thorough Investigations. 
XXXX XXXX XXXX XXXX was remove on XX/XX/XXXX by Experian they have done a full investigation into this repo ( Chargeoff ) matter per Experian it was removed now its back on my Credit report I never received a 1099-C form for the repossession from the credit company. According to the IRS, creditors must issue a 1099-C for canceled debts of {$600.00} or more Account XXXX