23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of 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. Please provide 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 to 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 validate 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 above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to MOV, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following item within the time set forth by law. 

Bank Of America XXXX Open Date XX/XX/2014 Balance {$200.00}
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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

I noticed inaccurate information on my credit report for a closed credit card. The information being reported has conflicting open dates, last payment dates, highest balance amounts and credit limit amounts. 

XXXX XXXX XXXX XXXX XXXX XXXX closed account
Product: Checking or savings account

XXXX, went on vacation in XXXX. My wife and I were out walking around and these XXXX guys cornered us and were asking for donations, we got to talking about what they wanted donations for and it was to start their rap careers. They told us they were trying to get {$120.00} each and I said absolutely not. I told them I would give each of them {$20.00} and they both stuck their card machines under my debit card so fast I couldnt even see what they had typed up as the charge. Whole thing seemed fishy, had a feeling I got scammed so my wife and I walked back to our hotel room, checked and each of those guys had charged around {$50.00} to my card. Immediately cancelled my debit card and called the bank, explained exactly what happened. A few hours later ( I dont remember exact time ) one of the charges doubled to {$110.00} without my authorization on that either. Couple days go by and all charges get refunded. Now yesterday ( XXXX ) the {$110.00} charge was taken back out of my account so I called the bank to ask why it was taken back out, the customer service rep told me basically, you got scammed. Its not a fraudulent charge because you gave them your card. The actual amount charged to the card is between you and the merchant. My bank should have all calls recorded if you need more details, there was much more to it at the time but Im sure Im missing something since it happened over a month ago at this point.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDNXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the incorrect reporting of late payments, which should not have been attributed to me. 
Payment History Prior to Transfer : I have a consistent history of making on-time payments before the account was transferred. The incorrect reporting of XXXX late payments is not reflective of my responsible financial behavior and payment history. 
Dispute Already Filed and Marked Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain on my credit report, suggesting that the matter was not fully addressed and corrected. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

Meade Recovery contacted me the day I set up a payment plan I asked for my info of the said debt. Payments were monthly and when I didn't pay the next month they called me about it and I stated that I don't know if you are legit bc I asked for my info of said debt and never got it.. they said they would send it again. I got an email from them about a debt but I am a female and the my sent me a guys info of debt.. don't have a name close to his said he was born in XXXX and I was born in XXXX plus he is XXXX  years or so older than me I still have not received the info I requested about my debt twice now
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that XXXX  % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received a debt notification letter from a collections agency first one dated XX/XX/XXXX and received a second notice on XX/XX/XXXX. It appears this was for a rental unit in XXXX, Fl and I reside in XXXX XXXX XXXX FL since XXXX. The period for the rental unit was from XX/XX/XXXX thru XX/XX/XXXX per an itemized statement they sent to me. The total of the debt is {$17000.00}. I picked up a call after numerous calls from this collections agency named FCO ( Fair Collections and Outsourcing, Inc. ) I explained to them that this is a case of Identity Theft and I was the named person on the bill however the bill is not my responsibility as I have never resided in XXXX, FL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is reported by collection agency without allow me to dispute it following FTC guideline for 60 days statutory period allow by law under Federal Truth In Billing and credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for its failure to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated attempts to resolve these issues, I continue to receive responses within XXXX hours stating that the account is accurate without any evidence of a thorough or complete investigation. This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct reasonable investigations of disputed information. Additionally, Equifax 's actions appear to contradict the Consumer Financial Protection Act ( CFPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceedings addressing similar violations. 

Accounts being reported inaccurately, please delete : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I ask the question how is this possible and why are you not allowed to remove this from my credit report I understand that companies make mistakes all the time but why when I ask XXXX to investigate and remove this account it was under review for 60 days like it really doesnt take this long to investigate it was my account then I call the company back to ask what did she send to this company to ask my identity has been taken before so I ask that they call me ln person to contact about use of my identity if possible can I send a new CFPB report because they are not helping with anything.
Product: Debt collection

I received a collection notice for a medical debt that was {$42.00} Security Collection Systems is attempting to collect {$54.00} from me.

I requested a verification of debt from them and them sent it to me, it shows {$42.00} owed.

When I call them and try to pay the {$42.00} they wont accept it saying I owe the {$54.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraudulent activity Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to invest my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPS finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX ... .. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered my card would not go through at 3 different locations so I called us bank focus prepaid card they asked me if i returned a purchase to XXXX  XXXX XXXX  and I did so they said that my card was inactive because the credit raised a red flag the credit is only XXXX $ I asked them how does a credit raise a red flag they said the credit should of went on another card and not the focus card because the focus card was not the original form of payment. I told her I asked the worker which card it was and she said the last 4 numbers on the card which i think the worker got confused. So the US bank rep said i needed to send in proof of purchase from the store I have sent in this receipt several times and US Bank keeps telling me check back in 4 hours then check back in 2 days basically I am getting the run around since XX/XX/XXXX. Every-time I call they tell me they didn't get the receipt and I have all my confirmation emails that said it went through successfully. I have my whole paycheck on this card and I would like to get my money off of this card because I have a bank account I dont need this pre- paid card. I have talked to every bank rep and they all keep saying just anything to get me off the phone and this is not fair they are holding money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

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

XXXX ; Experian and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX woman I previously just got fruaduatly inquirys taken off my credit and soon after more appeared some of the same ones, I have a XXXX XXXX XXXX who stole my identity and she have just been taken into custody as of X/XX/17 ... I ca n't even get out bed please help and remove these this is ruining me and I am so stressed behind this please help and remove these
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Derogatory Accounts Due to Identity Theft Dear Sir/Madam, I am writing to dispute the derogatory accounts on my credit report, which are a result of identity theft. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX XXXX XXXX. These accounts were opened fraudulently without my knowledge or authorization. 

I first discovered these accounts when reviewing my credit report and noticed unfamiliar and unauthorized charges associated with them. Upon further investigation, I found that my personal information had been compromised and used to open these accounts without my consent. 

I have taken the necessary steps to report this identity theft to the proper authorities, including filing a police report and notifying the Federal Trade Commission. I have also contacted the creditors directly to dispute the charges and have provided them with the required documentation to support my claim of fraud. 

I respectfully request that these derogatory accounts be removed from my credit report as they are a result of identity theft and not a reflection of my credit history or financial responsibility. I have attached copies of the police report, FTC identity theft affidavit, and any other relevant documentation to support my claim. 

I understand the importance of accurate and fair credit reporting, and I request your assistance in resolving this matter promptly. Please investigate these disputes and provide me with a written response detailing the actions taken to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the derogatory accounts from my credit report. 

Sincerely, XXXX XXXX