23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I asked company for purchase agreement of this alleged debt to show that they owned this debt and could legally collect on it. They provided me with the purchase agreement and it says they brought this on XXXX XXXX. I live in Maryland In Maryland, debts must be collected within a certain time. If you owe money to someone, the person is called a creditor, and what you owe them is called a debt. The creditor generally has 3 years ( 4 years if the debt is owed for the sale of goods ) from the date the debt becomes due to ask the court to order you to pay. A court order to pay a debt is known as a judgment. If the creditor does not go to court within the time limit, then the court generally will not order you to pay the debt. 
Today is XX/XX/2024 which puts the time frame at almost 4 years XX/XX/2024 will make 4 years. The time period to collect on this debt has past according to my state laws.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Debt collection

Re : Account # XXXX Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from ( name of hospital/doctor ), but I am unaware of the amount due since there is no breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any information for them to release my medical information to a third party. 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-validation of debt and HIPAA authorization XXXX 
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 the debt has been validated by me. 
Please send this information lo my address listed above and accept this letter, sent certified mail, 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, any reporting of this debt to the credit bureaus prior to allowing me to valldate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified mall.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REPORT NUMBER : Report Number : XXXX I'M VERY DISAPPOINTED ON HOW Search Results Web Result with Site Links Experian HANDLED MY REPORT IVE SUBMITTED OVER 7 DISPUTE THRU PHONE CALLS AND ONLINE AND EXPERIAN FAILED TO SOLVED THIS ISSUE EXPERIAN EVEN WROTE ME BACK SAYING I WASN'T THE ONE FILING THIS COMPLAINT WHICH IS NOT TRUE I DON'T EVEN THINK EXPERIAN EVEN READ MY FIRST COMPLAINT I EVEN READ OTHER PEOPLE FEEDBACK 'S THAT HAVE THE SIMILAR PROBLEMS EXPERIAN LEFT THE SAME EXACT RESPONSE AS THE ONE THEY LEFT ME I THINK THE CFPB SHOULD INVESTIGATE THIS MATTER 103 true Identity theft ) 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 Please block this information from my report also ill list each report number : EXPERIAN REPORT NUMBER : Report Number : XXXX Equifax Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told Experian and XXXX to update my person information and to reinvestigate these accounts and inquiries listed below, however, they stated everything was complete and accurate. How is that possible is the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that isn't reporting correctly. 

XXXX Unsecured loan with account # XXXX Collection account from XXXX with account # XXXX Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX XXXX with account # XXXX Collection account from XXXX XXXX with account # XXXX Inquiry from XXXX XXXX  on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681b - Permissible purposes of consumer reports. 

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 in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

I don't recall having a contractual relationship with this collection company ELITE RCVY GRP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   EQUIFAX MTG, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXXXXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from AMEX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an AMEX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they?

The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from AMEX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have an issue with XXXX XXXX, Experian, and XXXX. I paid off a collection account in the amount of {$47.00} to XXXX XXXX. I sent a U.S Postal Money Order by USPS certified mail and with tracking. I have the supporting documents that XXXX Received the documents ( money order, tracking ) and have even marked it as received on their internal records that I am able to print out. I have a number of complaints. On XXXX XXXX internal records, it shows that I still owe a balance of XXXX but on my Experian and XXXX   reports, it shows a balance of {$47.00}. I paid of the collection account in full. I have sent letters to Experian, XXXX, and XXXX XXXX to update the balance to zero. Even though I have sent all my supporting documents to Experian, XXXX, and XXXX, they all refuse to update my account to zero. I would also like the collection account removed from my credit reports based on the updated XXXX XXXX reporting policy which states that all paid accounts will no longer be reported. Experian and XXXX refuse to update my balance to zero regardless of the information I have sent them. They always come back with " verified '' with a {$47.00} balance. Please help me resolve this issue. 

Sincerely,
Product: Debt collection

Business & Professional ServicesXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX {$65.00} # XXXX XXXX {$29.00} # XXXX XXXXXXXX XXXX I have attempted to have the above Collection Company ( CC ) , Business & Professional Services verify the XXXX above accounts they were reporting to the XXXX ( CRA ) , Credit Reporting Agencies XXXX , XXXX and XXXX, as being mine. Since the CC was NOT able to validate the XXXX debts within the XXXX days allotted, XXXX and XXXX DELETED them. CC continuously fails and is ignoring my requests to produce documentation from XXXX and XXXX, that I received services, what the services were and that they are authorized to collect on their behalf. This is despite the approximately XXXX requests to the CC and the CRA, XXXX, to investigate. based on lack of verification, they still continue to report these XXXX accounts. Because they are so small, I almost wanted to just pay to delete, but decide that this CC has to follow the laws like the others. I have asked the CC for their documentation from the original businesses ( XXXX XXXX XXXX ), that I received services and what services and to prove that they were assigned to collect on their behalf, from me. All the CC did was send a letter stating ; the accounts were mine. That is NOT adequate proof and they know that. I am listing the dates below of who I have either called, emailed or written in regards to these accounts. I would also like to find out how to pursue damages from either parties for violating The Fair Credit Reporting Act. 
XX/XX/XXXX filed dispute with XXXX-no responseXXXX/XXXX/XXXX emailed CC-no responseXXXX/XXXX/XXXX offered to pay reduced amount for deletion, just to get rid of-no responseXXXX/XXXX/XXXX CC sent me a letter stating that accounts " are valid ''. 
XX/XX/XXXX filed complaintXXXX/XXXX/XXXX complaint closed before I could verify CC addressXXXX/XXXX/XXXX emailed CC to verify acct-no responseXXXX/XXXX/XXXX offered 70 % off payment to delete-no responseXXXX/XXXX/XXXX wrote dispute letter to XXXX showing copies of deletion from XXXX and XXXX-says they do n't base their findings off of other CRA findings-I thought they were suppose to share info. 
XX/XX/XXXX file new complaintPlease help me!! 
They need to produce documentation from XXXX and XXXX that I received services and that they are authorized to collect on their behalf. 
THANK YOU!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation on my credit report from the XXXX, TRANSUNION and XXXX regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.
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 requested XXXX, XXXX, and Equifax to conduct a thorough investigation into the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my request, they affirmed the accuracy and completeness of the information provided. However, discrepancies such as : Account # Account Type Account Type Detail Bureau Code Account Status Monthly Payment Date Opened Balance No. of Months ( terms ) High Credit Credit Limit Past Due Payment Status Last Reported Comments Date Last Active Date of Last Payment The categories mentioned above, raises questions regarding the accuracy of the reported data, totaling 32 violations. As per 15 USC 1681i ( 5 ), these agencies are mandated to rectify any inaccuracies in the accounts they report.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to any consumer reporting agency by individuals who have knowledge or reasonable belief of its inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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: Student loan

I have a student loan from XXXX XXXX from XXXX, School : XXXX XXXX XXXX, XXXX PA. XXXX XXXX is no longer in business and my loan is now serviced by NAVIENT . In XXXX of XXXX I contacted Navient because I was having trouble making my loan payment. The first thing they did was ask me if I wanted to make a payment that was very high, I believe around {$200.00} which was significantly higher than my regular payment. When I explained the situation, I was offered one or two choices, a brief deferment or a new program, income based repayment. I was not told I had any other options. I was placed in the income based repayment program, ( REPAYE ) program as of XX/XX/XXXX. After being in the program for several months I was made aware that at the time I accepted the program they offered, I was qualified for hundreds of other programs, including loan forgiveness AT THAT TIME. Navient did not disclose this to me and stuck me in a program that has reset my 20 year forgiveness date to zero, which means the loan amount will continue to accrue interest and will be XXXX years old when I am eligible for loan forgiveness again, so for a student loan from XXXX, I will now be eligible for loan forgiveness in XX/XX/XXXXwith XXXX knows how much more accrued interest. If this is n't a crime, it should be. When I called regarding my discovery, I was told I was no longer eligible for loan forgiveness because I " chose '' the income based repayment program and my 20 years were now reset to another 20 years. I was also told, " We were n't required to tell you that you were eligible for loan forgiveness. '' If this is not a crime, it should be. Navient has grossly deceitful and probably unlawful business practices in place. I should have been made aware of all of my options, especially the ones that were most beneficial to me as the debtor who has never defaulted on my loan and continue to repay my student loan in good faith to the best of my ability for 22 years and counting. The fact that the original loan amount was {$6000.00} and is now almost {$19000.00} is criminal and compounded by Navients ' failure to disclose my options other than the ones most beneficial to them.
Product: Credit reporting

I disputed a public record on my Equifax Report on XXXX. I have been trying to have these records removed from my file for a long time now. There are XXXX public records that have been dismissed by the court and I am not responsible for them. The are not present on my credit file from XXXX or XXXX. However every time I dispute it with Equifax they confirm my ownership and will not remove it. It keeps damaging my score.
Product: Credit reporting or other personal consumer reports

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the XXXX XXXX XXXXXXXX XXXX XXXX ), the leasing company - XX/XX/XXXX : I called XXXX to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called XXXX asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from XXXX saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that XXXX had closed this account and that I owed more than {$15000.00} - Last few days : I have called XXXX repeatedly trying to figure out what is going on and they have extended their resolution timeline from 48 hours to 7-10 business days to 30 days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with XXXX that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # XXXX tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved
Product: Payday loan, title loan, personal loan, or advance loan

The local branch of one Main financial has called me everyday, several times a day for weeks. 
Between XXXX to 5 times a day. Every day but Sunday.