23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Funding sued me in XXXX 2008 for {$3300.00}. I requested proof that I owed the debt which they never provided to me nor the magistrate ask for discovery. My rights were violated. All motions were denied in circuit court to overturn the judgment. Since I did not receive any proof that I owed the debt I did not enter into a payment agreement and my wages were garnished beginning XXXX 2008. A total of {$3000.00} was paid over a period of XXXX months before losing my job. Now I am being garnished again with interest for a total of {$2000.00}. I have requested in writing that they prove the debt and they have yet to do so. The statute of limitations in my state is XXXX years. Midland funding is still trying to make money off me for a debt that I do not owe and that they never provided proof that I owe. They are engaging in unfair practices by charging me interest and collecting money from me on a debt that I do not owe and that the statutes has expired on.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding a potential HIPAA violation in relation to a medical collection account that has been placed on my credit report. ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX, ACOUNT NUMBER : XXXX. It has come to my attention that sensitive medical information, protected under HIPAA regulations, has been disclosed to a third-party collection agency without my consent, leading to its inclusion on my credit report. This breach of confidentiality not only violates my privacy rights but also undermines the integrity of medical data protection laws along with the FCRA. I have NOT given consent for this account to be on my consumer reports! I have NOT had an account with MEDICAL DATA SYSTEMS nor do I owe them any money. I urge the CFPB to investigate this matter thoroughly and take appropriate action to rectify the violation and prevent similar occurrences in the future.
Product: Credit reporting or other personal consumer reports

TransUnion still reports my XXXX XXXX as a closed account that is charged-off with a past-due balance of {$910.00}. I want to verify this account is no longer past-due I am requesting to have them remove from my report. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Chase they claimed that they had investigated and came out with the idea it was me because someone called and verified with a PHONE NUMBER THAT WAS NOT MINE. 

These accounts with Chase bank are the result of fraud and under the FCRA 2009 ( a ), these charges are fraudulent and this account was opened fraudulently in my name.

Also in accordance with 615 ( g ) of FCRA that the account is known to be Fraudulent, so that the original creditor can not sell, or transfer the debt. 


Chase seems to be playing this debt off saying its not fraudulent because someone called and said they were me and received a security code from a phone call that is not mine. 

I have and will once more send over a FEDERAL AFFIDAVIT identity theft report to Chase under the penalty of perjury, also I will once more supply Chase with the needed information and paperwork to produce the ACCURATE decision. 

They opened other accounts and every creditor other then chase has conducted a accurate report, in a timely manner.. Im a college student and should not be having to jump through loopholes with Chase to resolve this issue Under the FDCPA 2009, this debt is uncollectable by furnishing the appropriate information in a timely manner to Chase bank. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau,  and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my full credit report. There are accounts on my report that I do not recognize. I did not open these accounts. I have not used these accounts.
Product: Credit reporting or other personal consumer reports

This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX, account # XXXX * XXXX, account # XXXX * XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX  XXXX, account # XXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer XXXX credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer XXXX credit report maintained by Equifax showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : XXXX. FCRA 605B : Requires credit reporting agencies to block fraudulent information within XXXX business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud. 
XXXX. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear US BANK I am writing to dispute the following information that appears on my consumer report : Late payments based on fraud charge/possible intentional non contact regarding account Account Number or other information to identify account : Source of dispute information : Us Bank Type of disputed information : Late payments on unauthorized charge. Was not notified of late status. 
Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Charge was not authorized by me. Subscription to XXXX XXXX   was cancelled and XXXX was sold. Account had to have been accessed and card was still on file. I was not contacted regarding the charge or any of the late fees. When I locked my card/filed the fraud I instantly got notification but not when the account was delinquent. Intentionally did not attempt to contact me to run the charge from $ XXXX- {$170.00}. The only way that I found out about this charge was when It hit my credit report and now they are refusing to remove the information from my report. 
I have had nothing but issues with this institution since XXXX. I put my paycheck into Us Banks ATM and THEIR piece of hardware malfunctioned and gave me a receipt stating my transaction could not be processed. I went into the branch and they did nothing for me, not even a provisional credit to my account so I could pay the rent that was due the following day. I had record of depositing this amount if not more every time I got paid and had the stub of the check. If I had not had friends who had money at the time, I would have been kicked out of my house to the street and US Bank did not care. 
After this I asked them to cancel my checking account because it pissed me off so bad. I was told I had to wait until the process was complete and my account was never cancelled like I had requested. I do not have any issues with my other financial institutions and am contacted if anything is late. My payment history is not questionable. 
So now this comes up in the middle of me applying for jobs that run credit checks, and here we go again with this institution. I called and even spoke to a supervisor and once again this institution does not care about the fact they are going to cost me more than the money value on the account even when I let them know I would pay for the fraudulent charges and just want the report to be fixed. Unfortunate and unsatisfactory that I have had to deal with issues multiple times when the simple solution would be to remedy the problem immediately. You can report that it was incorrect just like you reported it to the creditors, so please stop lying to me when I contact you. I left this account open because it was my oldest line of credit and now, I am kicking myself for ever doing business with US Bank. I apologize if this comes off rude and is not a personal attack to whomever is reading this. I just want it to be made right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and im a victim of identity theft. i need the following accounts to be removed from my credit report. i have submitted documents to the credit bureaus multiple times and the items still havent been removed. Ive also contacted the creditor about this matter. My credit card was stolen a few years ago. O ended up getting a replacement card but didnt do anything else because I didnt have much knowledge about credit. One day I decided to start using it an created a account with the credit bureau to monitor and check my credit and score when I noticed fraudulent accounts. Now that Im in need of my credit Im having a hard time because of these fraudulent accounts and charges.
Product: Debt collection

A man by the name of XXXX XXXX, who said he is a professional debt collector from Nations Recovery Center, is repeatedly calling me on my work phone, and my cell phone number. He calls from various numbers and extensions. I find this man to be disturbingly harrassing. At first when he called, he did n't leave the nature/name of the debt in which he says that I owe. Now he 's saying its regarding a XXXX XXXX XXXX. I have asked this person time and again to not call my place of employment, but he still does it. Please do something to stop this harrassment, or I could get terminated from my job, which is causing me undue stress. Thank you.
Product: Credit reporting or other personal consumer reports

i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ..and at this point i knew my credit was pretty fair bc i have had credit cards. but today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and can not get any loans or credit for my business bc of someone using my information ... .i know whatever or whoever had to sign that name and i was never there to do any of these things while permitted to the state of mississippi i need some real help with this bc i cant conduct business... ..thank you very much
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i.c. system, Inc. To Whom It May Concern, I am writing regarding the account referenced above, which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information to validate this debt and ensure its accuracy : Chain of Assignment : Please provide a complete and detailed chain of assignment for the account. This documentation should include : The original creditors name and address. Any subsequent owners or assignees of the debt, including names, addresses, and dates of transfer or sale. Account-Level Documentation : Please provide all account-level documentation related to the debt, including but not limited to : A copy of the original contract or agreement that created the debt, bearing my signature. Itemized statements showing the calculation of the amount you claim is owed, including interest, fees, and other charges. Proof of your authorization to collect on this account, including any agreements or contracts between you and prior assignees or creditors. I request that all communication regarding this matter be conducted in writing and sent to the address provided above. Additionally, I ask that you cease all collection efforts until the requested information has been provided and the debt has been validated. If you are unable to provide the requested information, please confirm in writing that you will cease collection efforts and remove any negative reporting related to this account from my credit report. Please note that this letter is not an acknowledgment of liability or acceptance of the debt but a formal request for validation and verification. Failure to respond adequately within 30 days will be interpreted as your inability to validate the debt, and I will consider the matter resolved. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Student loan

This complaint is to report continuing a issue of Navient illegally altering the terms of my loan without my consent, forging my signature and harassing my family. The complaint XXXX This complaint documents that Navient has XXXX providing false and misleading information about my student loans for years. After the company responded to complaint XXXX Navient placed one of my student loans on forbearance at a very high interest rate without my knowledge or consent. Altering the loan in such a manner clearly violates the initial loan agreement on the lenders side and thus makes this loan eligible for discharge under new federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Delete/ Removal of Inaccurate Account due to inaccurate Reporting Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Dear [ Credit Bureau Name ], I am writing to dispute inaccurate and inconsistent information on my credit report related to the above-referenced account. This account is being reported as a repossession with conflicting details across credit bureaus. Please Delete and remove this account entirely. 
Inconsistent Payment History : XXXX reports " 120-day delinquencies '' in 2024, despite payments made as recently as XX/XX/year>. 
Equifax reports " 38 potentially negative months, '' which is inconsistent with XXXX 's " 59 potentially negative months. '' Repossession Status and Balance : XXXX shows " 97 % paid off '' with a balance of {$1100.00}, yet this account is listed as a repossession. 
The repossession date differs between XXXX ( XX/XX/year> ) and Equifax ( XX/XX/year> ). 
Last Payment and Balance Details : XXXX lists the last payment date as XX/XX/year>, while Equifax lists XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate, consistent, and verifiable information. I am requesting : Immediate removal of this account from my credit report if verification can not resolve these inconsistencies. 
Please respond to this dispute within 30 days of receiving this letter, as required under the FCRA. I have enclosed copies of my credit report highlighting the errors for your reference. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report in which XXXX, Equifax, and XXXX  have yet to address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/year> Trans Union XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # XXXX XXXX, MA XXXX Subject : Demand for Verification and Deletion of Information To Whom It May Concern, I am writing to formally address the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ). Under this section, you are required by federal law to verify any accounts listed on my credit report through a valid verification process, including the original signature of any contract associated with these accounts. 

Failure to provide this verification could lead to unauthorized individuals potentially using your services to dispute or manipulate accounts fraudulently. It is crucial that you take this matter seriously. 

Furthermore, according to Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified. The law is clear regarding civil liability and the remedies available to me for negligent compliance, including the potential for litigation. 

I want to make it known that I am a litigating consumer and fully intend to pursue legal action to enforce my rights under the FCRA if you fail to comply with these requirements. I expect a response to this letter within 30 days, including the verification of the disputed information and confirmation of any deletions made. 

Thank you for your immediate attention to this matter. 

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

Hello, I am aware I got behind on this account but I thought that the agreement was it would show I was up to date when I started making payments on it again 2 years ago. This was due to overzealous collection employees.Instead is shows that I was always 60 days late while making my payments. Please delete the payment history from my record as it doesnt reflect what I thought was the agreement. I would be happy with that resolution. This account is paid in full.
Product: Credit card

Citi Bank division Card Services issued me a Citi Prestige Credit Card. Benefits of the Citi Prestige were to reimburse expenses to purchase up to {$100.00} a XXXX XXXX XXXX. 

Went to Global Entry Web site ( XXXX ) and purchased the XXXX. 
XXXX charges were made : 1. US Customs - {$50.00} on XXXX XXXX, 2016 2. US Customs - {$50.00} on XXXX XXXX, 2016. 
Both charges were done through XXXX web site and permission of Ciit Customer Service. 

Citi Cards Services has FAILED to reimburse me per the Citi Credit Card Prestige promotion and not I lost {$100.00} in unplanned and unreasonable expenses. 

Citi Card refuses to respond to my complaints after 7 phone calls and 5 emails on this topic.
Product: Credit reporting or other personal consumer reports

I have informed this company several times that they are furnishing inaccurate and incomplete information to my report. Company has failed to verify the SSN used to make these accounts & inquiries.

Hey Mr Credit Bureaus I Was Looking At My Credit Report And This Account Looks Weird To Me The Last Date Of Activity The Last Date Of Payment The Account Number The Account Balance Everything On This Credit Item On My Credit Report Looks To Be Incorrect Can You Please Delete This Item For My Credit Report Because It'S Not Accurate And It Is Not Complete I Greatly Appreciate You
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5400.00}
Product: Credit reporting or other personal consumer reports

My credit report shows an unpaid charges on a closed credit card account which did not belong to me. It also shows address and phone number listed on my report that I dont recognize.

This negative report reflected my credit score and also new application.
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. 


FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.