23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, This letter is being sent to you in response to your recent letter. This is a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. HIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , XXXX  and State Bar associations for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages ... I AM REFUSING TO PAY THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX through XX/XX/XXXX XXXX XXXX dropped my credit score by XXXX because a closed mortgage account account with Specialize Loan Service was removed from my Credit File. This account was paid in full & closed in good standard in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING XXXX XXXX XXXX ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX Balance : {$21000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX  ( Original Crditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$7000.00}
Product: Credit card or prepaid card

XX/XX/2017 XXXX XXXX is blocking access to my account from a company I authorized to be able to do so / blocking me from enabling external applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S code 1681c.2 consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete theses items as soon as possible.

These accounts can not be furnished on my consumer report as they are in violation!!! Under, 15 U.S code 168 lb permissible purposes of consumer reports ( a ) IN General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit WITHOUT authorization from myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX NA Inquired on XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX  ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Employers : XXXX XXXX XXXX, NJ, Listed below are the Accounts that are being challenged XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Payment {$630.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX Late Payment {$1400.00} XXXX XXXX XXXX XXXX Late Payment {$1100.00} XXXX XXXX XXXX XXXX Late Payment {$20.00} XXXXA XXXX Late Payment {$120.00} XXXX XXXX XXXXXXXX Late Payment {$520.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX XXXXXXXX Late Payment {$95.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$2000.00} XXXX XXXXXXXX Collection {$460.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$460.00} XXXX XXXX Original Creditor : XXXX XXXX NJ XXXX Collection {$1500.00} XXXX XXXX XXXX Charge-off {$1100.00} XXXX XXXXXXXX Charge-off {$2400.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have applied for a company called XXXX and was offered a job, contingent on the results of a background check. I then agreed to said background check and have been waiting for the results. I got them today and there is a lot of information on it that is incorrect, belongs to someone else, or is not even my name. I want the background check corrected, and I want the employer to know that there was an error from the party they have doing their checks. 

I am no angel, and some of the information on the report is in fact mine, however, I have passed checks before with this on my record for the same line of work. Charges from XXXX, XXXX, XXXX, XXXX, and any from XXXX  are mine and I do take responsibility. However that is not all that is listed. 

First off, I am NOT a XXXX XXXX This report has me as a XXXX XXXX out of XXXX. Second, I DO NOT know who XXXX XXXX is, nor do I think his background should be included with my report at all. Third, I am going to lose the opportunity to work for this company because of the errors that this service provider has so graciously given them a background report with false information- that is very sensitive to the role I applied for. I have never had to file a complaint for a background check before, but this company, Sterling, has done a BANG UP job of the work they are paid to do. Not only that, but the information that they verified my education with, came from me. They emailed me asking for verification of the education. Correct me if I am wrong, but that is the job that they are hired to do! Verify the background of the individuals that XXXX has asked them to, and I am pretty sure that verification is not simply asking the potential employee if this is accurate. I will include the background report and I would be happy to provide anything else that may be needed. 

Thank you for your time, XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been a year since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Money transfer, virtual currency, or money service

Bought tickets for two friends off an ad on XXXX. Owner would send me the the tickets once I gave him {$65.00}. {$65.00} was XXXX to him and never heard from again even after confirming that the XXXX  was sent ( sent via chase with XXXX ). Chase told me they would not refund me.
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX credit acceptance, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I sent a debt validation letter on XX/XX/2020 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX ( original creditor ) and AFNI ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice with a variety of account numbers on several occasions ( four times since 2017 ) and my credit score was temporarily negatively impacted as a result. In most cases, the credit agencies corrected the entries subsequent to investigations. I have never had any unpaid debts with either XXXX or AFNI, however ; XXXX is, once again, showing that I have a collection account. I've included a page showing the current account in dispute.
Product: Debt collection

The company ( XXXX XXXX ) keeps repeatedly calling my place of employment. I myself called from my cell phone and asked that they not call my job. He then threatened to take me to court. They continued to call my job up to 3 times per day for the past week. Today she ( XXXX XXXX ) told my manager that she was a liar and she knew I was working here. I am close to losing my job because of this.
Product: Mortgage

On XX/XX/2019 I received a letter from XXXX XXXX XXXX. that Ditech my mortgage was going to foreclose on my property. I called Ditech on the XXXX on why they were going to foreclose on my property they said that I went over 120 days and they are going to foreclose I told them that I did not go over 120 days and they said I did .I told them that I was three mo behind not four she said I did not make XXXX payment I told her I did. I called in to make my payment and Ditech is so pose to be open on Sunday I calld on XX/XX/XXXX and they said that they were closed I called XXXX XXXX and made the payment that way.when I called on XX/XX/XXXX to see if they received my payment they said that they did on the XXXX th. I called XXXX XXXX and they said they payed Ditech on the XXXX of XXXX. I called Ditech with the info and they said they would get back to me when they found my payment.They found my payment but they would not let me make The XXXX payment to they cleared it up.They also were to fix my credit report and take care of the fees because it was there fault.After numeris calls they took care of the fees. but did not clear up my credit report and it did cause problems with my credit. Ditech sold my Mortage to XXXX XXXX and XXXX XXXX said I owe them XXXX for the Attorneys fees and some outer fees.I have a statment that says I do not owe Ditech any money.I am A senior citizen and a XXXX veteran I should not have to go through this with mortgage companys.
Product: Checking or savings account

I was sent a check by a company who was hiring on XXXX. I went to cash the check assuming its real on XX/XX/2019. I didnt take out any of the money from the check as there was a chance it could have bounced which would have caused me to go into debt. A few days after, my account was frozen and closed. I had called the CHASE security team at XXXX XXXX XXXX XXXX XXXX and they had explained to me that my account was frozen because of the check being fake and it was automatically closed due to being frozen for 10 days. They had said that they will send a check for the account balance and I can just reopen another checking account. When I went to open another account, the teller had called to make sure that I was still in good standing and their department said yes. I was able to make another account on XX/XX/2019. 2 days later, my account was closed yet again by CHASE and I called yet again and they had said that CHASE has terminated the relationship.
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and Aspire has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late 30 days in XXXX of XXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car. 

I have attached the credit report still showing 30 days late in XXXX of XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/24 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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

There are fraudulent inquiries and inaccurate information on my report