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

I HAVE BEEN A VICTIM OF SEVERAL BREECHES i.e. XXXX All of the following inquires were made fraudulantley : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX  XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX CARD - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX OF XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX billed me once and I paid on the account. I got no further correspondence from them. NGRCA collections sent me a bill. I asked for information about the bill as I though the amount was incorrect. NGRCA refused to give me the information and I finally called XXXX and they gave me the billing co phone and address. I asked for an itemized statement and they refused saying that NGRCA would have to ask for the billing and NGRCA refused. I do not trust this XXXX group billing because they before tried to bill me for what XXXX said they were suppose to write off. After that was settled. they then called me at work and said that BC/BS did a charge back. After talking to XXXX at XXXX she informed me it was for another patient. I do not trust anything that comes from this company and NGRCA the collections company refused within the 30 days to get me a copy of the billing. This billing company committed fraud before and I am not sure they are not doing it again. After reading reviews of this group, i have noticed this seems to be a practice. I asked XXXX to audit these doctors and their billing practices, because I am not the only one that has had these problems. How many times does the billing co get by with not following proper procedures without the doctors being held responsible because the hired them. My husband would like to pay the bill in full but they will not give me an itemized statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a XXXX XXXX account that is not mine. I called XXXX XXXX and they can not bring up any account matching the one at Transunion under my SSN. XXXX XXXX says that Transunion has to remove it - Transunion does nothing despite my requesting twice to remove it in XXXX and in XX/XX/XXXX. Account showing on XXXX ends XXXX, opened XXXX and closed XXXX.
Product: Credit reporting or other personal consumer reports

XXXX credit inquiry from Destiny Master Card. Then received an email about requesting a Destiny Master Card that I did not make. Number attached to email : XXXX. Contacting the company did not result in a solution.
Product: Credit reporting or other personal consumer reports

n 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. Has Violated my rightsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 permission.. 

I XXXX XXXX XXXX XXXX XXXX living person, human being flesh in blood has not consented to XXXX, XXXX and Transunion in written, my consumer report needs to be kept confident and private. My rights have been violated. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

6801. Protection of nonpublic personal information 15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was recently denied a personal loan which prompted me to obtain my free annual credit report for all 3 credit bureaus. Upon reviewing my credit reports for XXXX and Experian I discovered that there is information currently reporting that is inaccurate. XXXX and Experian both list me as an authorized user for a credit card with XXXX XXXX XXXX that I have never been in possession of ; applied for ; nor given anyone permission or the authority to utilize my name or social security number. I disputed this with XXXX  XXXX XXXX back on XX/XX/2018 by placing a call to their customer service number XXXX. During that time I spoke with a representative regarding the matter and I provided my personal information to the representative when he was requested it, but the representative was unable to retrieve any account information and advised that there was no account listed in my name and no account for a credit card. 
Since this time, this particular account was removed from my XXXX   credit report. Given that I have no accounts with this company and again I never authorized my personal information to be utilized I am requesting that the information XXXX  XXXX XXXX is reporting to XXXX  and Experian is removed immediately as this inaccuracy is altering my life in a negative way.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number : XXXX, XXXX XXXX Account opened on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account Number : XXXX, XXXX XXXX under account number XXXX, The XXXX XXXXXXXX XXXX under account number XXXX, XXXX XXXX XXXX  under account Number XXXX, XXXX XXXX  under account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  under Account Number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. And the address XXXX XXXX XXXX XXXX which is associated with my credit profile needs to be removed and updated to XXXX XXXX XXXX, XXXX Oh. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus XXXX, XXXX and Equifax as they are violating the law by not notifying me within 5 days.
Product: Mortgage

For the past eight months I applied for a loan modification and have been rejected three times due to the Bank of America not allowing my full income as documented. Therefore disqualify me from any loan and trying to force me out of my home in the way of foreclosure or short sale even though I am making my loan payments. 
In addition they have added unsubstantiated amounts to the loan which when asking them to document falls on def ears. They have yet to provide what these extra amounts are for. I need your help this is unfair lending practices.
Product: Checking or savings account

On XX/XX/year>, I made a deposit of {$11000.00}, only to find out later that the check was flagged as fraudulent. Consequently, my bank froze my account, causing significant disruptions to my business operations. With my account frozen, my employees were unable to collect their rightful wages, and several checks bounced, resulting in overdraft fees. 

Despite assurances from the bank, the funds have yet to be released. They indicated they would return the money to my clients, but this process has been delayed indefinitely. In an effort to expedite the resolution, my clients provided a copy of the cancelled check to demonstrate that the funds were indeed collected by the bank. 

Unfortunately, the situation has become increasingly frustrating as the bank now claims uncertainty regarding the whereabouts of the funds. This ongoing ordeal has not only impacted my business 's financial stability but has also strained the trust between myself, my employees, and my valued clients.
Product: Debt collection

This company never gave me a XXXX notice of dispute of this alleged debt they say I owe. This is a Volation of my rights they must provide me this information or delete this account immediately or I'll be more then happy to take this to fed court I request in court how this whole this is fraud as well. I will make you show the forward flow agreement which will prove the amount your demanding from me is much lower then what you paid for it to begin with. You are to delete this account immediately!XXXX
Product: Mortgage

On XX/XX/XXXX, I started a loan application with US Bank for a fixed XXXX mortgage. 

On XX/XX/XXXX, I was provided disclosures for loan. 

On XX/XX/XXXX, the processor XXXX XXXX reached out to me regarding some items required, in addition to everything I'd already uploaded. 

On XX/XX/XXXX and XX/XX/XXXX, I was asked for additional items, which I provided. 

On XX/XX/XXXX, I was asked for a mortgage statement, that I'd previously provided. 

I didn't hear anything again until XX/XX/XXXX, where I was sent an adverse notice of action denying my loan due to " high DTI ''. 

I know how to calculate DTI, and my own calculations put me well under any threshold they may have, so I'd like to see the calculations for my Debt, and for my Income. If US Bank thinks my DTI is too high, they must have made these calculations, so I'd like to see them, as they were not provided to me in any medium. 

I was not given any opportunity to discuss or find a resolution, the loan was simply sent for denial which is suspicious, as it hints that US Bank never had an interest or intention to lend the money. Otherwise, they would have suggested getting a co-signer or possibly borrowing less money.
Product: Credit card

I have been paying my credit card with my bank debit card that way its paid on time, but Capital One changed to just routing and account number, which took longer to process and made my account have late and overdraft fees.
Product: Debt collection

In XXXX  XXXX  leaked the data of XXXX  million Americans, I was also one of those XXXX million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has  suffered greatly. Hunter Warfield has continued to report this fraudulent information to my credit report which is a direct violation of the Fair Credit Reporting Act. 

I have disputed this account twice, this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area. 
Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information.1. An explanation of what this alleged account balance is for.2.A calculation of the balance, including the complete payment history.3.Documentation that shows I have agreed to pay this debt.4.The agreement that grants you authority to collect on this alleged debt.5.A copy of your state license, including license number. 

Your company has failed to provide me with this information, my lawyer has advised me that we will move forward in court in exactly 4 business days if this information is not removed today.
Product: Debt collection

HOW CAN YOU SAY THIS IS A DUPLICATE COMPLAINT SINCE THIS COLLECTION COMPANY HAS NOT RESPONDED ME OR SEND ME ANYTHING IN THE MAIL THIS IS THE THIRD COMPLAINT AND NOONE HAS RESPONDED ANYTHING TO ME. 

There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I checked my credit report and you have willfully reported an unverified and disputable debt to the credit bureaus. which is a violation of the Fair Credit Reporting Act. I will state again in this certified complaint that you have failed to verify the debt, you have provided no proof of this alleged debt This is in response to the CFPB your company or CFPB department provided to me and the lack of validation pursuant 15 USC 1692g. Florida Office of Financial Regulations states that Per Federal law, every debt collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice must also include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. ( ITS BEEN MORE THAN 6 Months AND I HAVE NOT RECEIVE ANYTHING FROM THIS DEBT COLLECTOR ) To whom may concern I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act.

In my opinion you have violated at least three sections of this act by : a ) Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) ) You proceeded to say you validated the debt which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online.

Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident. You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ).
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. 

XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX : XXXX, XXXX : 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 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 XXXX 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.
Product: Debt collection

On XX/XX/2022 Caine & Weiner received my demand for debt validation Pursuant 15 USC 1692g requesting a full audit trail, including a ledger signed by the accountant who oversees Account # XXXX. Caine & Weiner sent me a copy of a final bill from XXXX XXXX XXXX XXXX  in response. This final bill gave me no information to verify this alleged debt, as Id never done business with them. Caine & Weiner is preventing me from exercising my right to validate a debt. This is directly impacting my ability to secure new lines of credit. California Attorney General, XXXX XXXX, has been copied.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born XXXX, my social is XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX. 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX acct # : XXXX Amount : {$580.00} XXXX XXXX  acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.