23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account should be deleted as I never received a bill for services at my home address ( where I have lived for the past 9 years ) from XXXX XXXX XXXX, instead I received a letter from SCA Collections months after service was rendered, demanding payment, it was reported to collections before I even had a chance to pay. For {$68.00} and to salvage a negative entry on my credit file I would absolutely have paid this small bill but instead my score has now dropped due to this and the bank refused me a mortgage loan in part due to this. I contacted SCA and asked if I paid the amount would they report as paid and request it be removed but they have never replied back, after XXXX attempts. I am requesting this to be completely and permanently deleted and reported to Equifax to remove as well. I 've disputed with XXXX but all they have done is verify with SCA that the information is verified, this is incorrect and an injustice done to me.
Product: Debt collection

simon 's agency alleging medical debt in the sum of XXXX $ on all 3 credit bureaus I have never received notification of this debt in addition, I have full medical benefits with 100 % coverage. 
this debt is not owed by myself.
Product: Debt collection

I 've attempted to contact this company on several occasions to tell them that the debt their trying to collect is n't mine and I do n't even know what its for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these  bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
Product: Credit card

Notified credit card company in XXXX of change of address. 
They acknowledged the change but never applied it to my account. 
I have called each month in XXXX, XXXX, XXXX, and XXXX per conversation with the representative on the phone. They said they would send me my statement to my new address which never happened until after my last conversation in XXXX. 
I am now being charged late fees for the months of XXXX thru XXXX which I refuse to pay because of their negligence. The representative and supervisor where very nasty and abusive on the phone. They refused to remove the charges, so I closed the account. 
I will have to proceed with legal action if this negatively affects my credit. I've changed my address with all my other credit card companies with no issues. I feel this was a scam to collect additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian XXXX  XXXX  Taking longer than 30days to investigate an FTC Violations XXXX  XXXX 12 accounts
Product: Credit card

I have XXXX credit accounts with Synchrony Financial : Amazon Store Card and Banana Republic XXXX Visa. The address listed on both accounts has inexplicably changed to incorrect addresses and I am unable to correct/update via the website ( s ) or customer service. I was told by customer service that it had been corrected but no change ever appeared. The address listed for the Amazon Store Card is not my address, has never been my address and was never provided by me. The address listed for the Banana Republic XXXX Visa is undeliverable as it is only an apartment number with no street address and incorrect zip code. Aside from being unable to receive paper statements I see that Synchrony has now reported at least one bogus address to a credit reporting entity.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed unauthorized inquiries listed. These inquiries have negatively impacted my ability to apply for new credit. I request the immediate removal of the following inquiries from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information and Investigation Procedures Under XXXX Codes Dear Experian I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting an immediate reinvestigation into the following erroneous items : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. However, the presence of these inaccuracies indicates a failure to uphold this legal requirement. Additionally, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted.

Furthermore, I demand full disclosure of the methods used to investigate these disputed accounts under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). If the information you provide does not substantiate the accuracy of the reporting, I expect immediate deletion of the items per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please also be advised that any failure to comply with these legal requirements constitutes willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to potential civil liability.

I expect a formal response within the legally required 30-day period, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please send all correspondence to my address listed above. 

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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB  : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I have requested that my charge off from XXXX XXXX XXXX bank be deleted, it has been on my credit report for XXXX  years a charge off should not be reporting after 7 years, the information has been updated causing the status to re age, the first date of delinquency was XX/XX/year>. I have been been requesting for it to be deleted for almost XXXX  months now.
Product: Credit reporting or other personal consumer reports

I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer XXXX XXXX XXXX XXXX XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer XXXX XXXX XXXX XXXX XXXX  file disputing the accuracy or completeness of the disputed information. XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX 100 % attest that these are my physical findings of inaccuracies on my credit. 

I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with XXXX, Equifax, and XXXX. Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ). 

According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report.

Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it.

I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with 15 USC 1681i. However, I have not received any response from them within the 30-day timeframe.

Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA. 

I am an FHA program buyer and XXXX 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/2020 GC Services, a debt collector, marked my credit as a derogatory account. They bought the debt from XXXX. I had originally disputed the debt of {$140.00} with XXXX through my XXXX XXXX XXXX account, which I had automatic monthly bill payment from XXXX. I won the dispute ... Unscrupulously, XXXX sold my phantom debt account to GC Services. When GC Services marked my credit, naturally, I was damaged and couldn't get a loan and it affected many other things like not being able to get an apartment. 
I then disputed the GC Service derogatory account with the credit bureau and I won the dispute. 
GC Services, knowing the truth now, and having lost the dispute then unscrupulously sold my phantom debt account to XXXX XXXX, who marked my account without notifying me. I disputed the XXXX XXXX  derogatory accounts with the credit bureaus and won those disputes as well ... XXXX XXXX  then sold the debt to XXXX  XXXX  and they marked my accounts with the credit bureaus, and I presently have disputes ... Where does it end?!?! ... This is harassment and all these companies are working with each other!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : MN CHILD SUP Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXXXXXX XXXX and capital one both are reporting that i have had an account with them in the past. both companies report i have late payments and a bad history with them. For the record i have never had a credit card with either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid  " medical data '' a ccount with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score a nd is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  XXXX
Product: Debt collection

X/XX/17 The Honorable Consumer Financial Protection Bureau, 1. Please be advised that the joint tort feasors of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, PNC BANK NATIONAL ASSOCIATION, SUPREME COURT OF THE STATE OF XXXX XXXX COUNTY OF XXXX have colluded to unlawfully force a private property forfeiture under color of law with deceptive practices causing daily physical and mental anguish by the threat of Being thrown out of or losing your home by a false debt. 2. Whereas, the family home or domicile has been scheduled to be sold by alleged Trustee and on the steps of the unconsented commercial court on XXXX XXXX, 2017. 3. Any judgement in favor for the alleged plaintiff is unjust and want of equity. 4. This action must be stayed and vacated with no encumbrance on said property arising from a foreclosure and the public reflecting such. All above tort feasors have clouded the title and caused daily harassment, slander, libel and disturbance of the peace by calls and letters seeking to buy a property up for sale. 5. The public officer of XXXX XXXX XXXX did not have an required Oath of Public Office require by NYS law. XXXX XXXX XXXX did admit that she was not acting judicially 2-3 times. 6. Jurisdiction was challenged and not answered.
Product: Credit card or prepaid card

Key Bank approved a fraudulent charge of {$140.00} on my Master Card ending in XXXX. I had ordered a teeth whitening product online from XXXX and paid {$8.00} up front on my MC with a guaranteed " TRY BEFORE YOU BUY '' trial period, which begins 10 days after I receive the product. I received the product on XX/XX/2018 but XXXX charged my CC {$140.00} on XX/XX/2018. Thus, they wrongfully charged my CC a full 6 days before my " TRY BEFORE YOU BUY '' trial period of 10 days had ended. I called XXXX XXXX on XX/XX/2018 when I noticed the {$140.00} charge to dispute it, but their representative told me they wouldn't reverse the charge. I asked to speak with their supervisor, but they told me their supervisor was not available. After I got off the phone with them, I called Key Bank 's Credit Card Dispute line and told them I'm disputing the charge. 

Key Bank mailed me the attached Dispute form letter on XX/XX/2018 asking me to respond back to them by XX/XX/2018. I mailed them my attached response letter on XX/XX/2018 disputing the {$140.00} charge ( see attached Certified Mail Receipt ). 

Key Bank then mailed me the attached letter on XX/XX/2018 stating that the {$140.00} charge was a valid charge, even though I told Key Bank that I tried to avoid the {$140.00} charge by calling XXXX  to cancel within my 10 day guaranteed " TRY BEFORE YOU BUY '' trial period.
Product: Debt collection

XXXX XXXX keeps calling me about medical debt I supposedly owe them. They call me from random numbers. They have been rude to me too. I told them to stop calling. They didnt stop. I also tried disputing the accuracy of the charges, and they deny me every time. Im so sick of dealing with them. Please help me with them. I cant believe that people will treat someone else that way. I have been harassed by them. The original creditors that say I owed this debt never attempted to collect any copays or debt when I was in the office. Also, Im not able to seek medical care from the facilities that say I owe them debt because of the debt I owe. I have to travel over an hour to another doctor. They are ruining my life.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a Federally Protected consumer, I am opting out of any and all authorization. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. 

Any and all consent to XXXX, XXXX, ( XXXX XXXX - XXXX XXXX  ) ( XXXXXXXX XXXX XXXX ) and ( JPMCB ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) - ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates. 

As stated before, I did not give XXXX XXXX, JPMCB and XXXX XXXX, XXXX, XXXX XXXX and XXXX consent for the record. 

15 USC 6801 which states '' 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. '' ( XXXX XXXX to my credit agencies ) is a financial institution by definition under that title. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB complaint to request to the Credit reporting Agencies to remove the disputed accounts completely from my Credit File. I sent a letter requesting that the Credit Reporting Agencies reinvestigate the disputed accounts from my credit report as well as remove from my report during the investigation period. As of this date, the Credit Reporting Agencies have failed to respond to my request. Again, please reinvestigate if the following accounts that are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} This account was already deleted from the other Credit Bureaus and TransUnion Credit Bureau have no rights to continue reporting this account. According to FCRA, Credit Reporting must be accurate. I need TransUnion to remove this account immediately. 
XXXX XXXX XXXX XXXX : {$0.00} Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.
Product: Debt collection

I have tried multiple time to get verification of the debt however with there silence they refuse to verify the debt. 
It has been well over 90 days since I sent my first letter to try and get this verified all letters have been sent certified.