23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently got a call from XXXX XXXX XXXX saying I owe them money. I told them I never open the account or anything with them. They told me the account was open XXXX  and now I owe XXXX thousand dollars. The fraud person used my name and Identity information to open a credit card. The fraud use their address though. So statements would sent to that address. I told the agent I never lived that address. I need to dispute this. So now I'm in the process of dispute my debt collection and need proof that I'm being hurt and need to get this solved asap.
Product: Credit card

The company has charged us a " Customer Report Fee '' of {$50.00} which we did not request or authorize. This fee is a scam and we refused to pay it. As a result of our refusal to pay this improper fee we were levied another fee of {$75.00} which was labeled as a " Late Fee on Previous Invoice. '' A total of {$250.00} in improper Customer Report Fees and Late Fees on Previous Invoices have been charged.
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 U.S.C. 1681 : XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX  Account XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account # 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 604 A Section 2. Also states a consumer reporting agency can not furnish an account with out my written instruction.

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

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your organization is in breach! 
According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, OR XXXX, while my credit report shows an outdated address of -XXXX XXXX XXXX, OR XXXX. 
XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license my correct name. 
A recent utility bill my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for a credit card with Chase. On XXXX XXXX, they ran a hard inquiry on XXXX. They asked for a copy of my SSN card, which I provided ( twice ) and confirmed with them that they had received. Today, XX/XX/XXXX they ran an unauthorized hard inquiry on XXXX. I did not apply for a second card, I did not authorize the inquiry. I have been trying to get customer support, but they keep bouncing my call, saying they don't have access, there's no manager available to help etc. Chase has to remove this unauthorized inquiry that affects my credit score. Otherwise, I will pursue all legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Below are the reported accounts I am requesting be removed. 


* XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/scrub>XXXX XXXX XXXX I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I original submitted a complain against Experian XXXX for not properly investigating my disputes. I check my credit report and Experian states debt was validated. Experian did not state how these debts were validated and I know for a fact it was not properly validated because the debt is NOT MINE. I want these false debts off of my credit report. I have been going back and forth with Experian for months and they failed to provide me their evidence validating this debt. Experian sent me an email on XX/XX/XXXX stating the following " Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc. 

If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute. 

You may also log on to experian.com/disputes, or call us at XXXX XXXX XXXX XXXX for faster service.

The dispute process may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ). We will send you the results once completed. If you write to us, please provide the following : XXXX copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. '' I uploaded my Driver License, Bank statement and my lease since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed my monthly payment early that was due on XXXX XXXX. And they are posting on my account that Im late. I payed {$200.00} more than the minimum due and the amount was posted and deducted from my checking account on XXXX XXXX. This could affect my credit could you please have them correct this. I have proof and documentation from my bank. This is a revolving account with XXXX XXXX XXXX XXXX XXXX. here is the contact number XXXX and the account number XXXX
Product: Bank account or service

This bank ( XXXX ) seems to be really making a lot of rules on it 's own and enforcing in one way or the other to the customers. I followed the XXXX to open the anywhere checking account via online. Whatever they asked me to provide - I provided and that 's why the account was also opened. I provided my permanent resident card as part of the account opening process and they accepted it also. Now after opening the account they are asking me to come down to the branch and provide the driver 's license, why?? They have so many rules for e.g. if you have opt for online bill pay but do n't use it - they will charge fees. If one does n't have the direct deposit or certain minimum balance they will charge fees. It seems this bank just want to XXXX and money of the customers. They are not doing any favor to anybody by letting me open the bank account. They are also getting the business. Now they are doing everything to make it hard to do business with them and seems to do everything not to give me {$200.00} cash back bonus.
Product: Debt collection

A/R Solutions inc has contacted me numerous of times about a medical debt. I disputed the debt and asked the company to validate the debt. A/R Solutions inc then supplied with documents from Dentists of XXXX. Enclosed was a exam consent form with a list of procedures and charges. It also had my medical record number enclosed in that as well which is a HIPAA violation.

No where on those documents shows I owe A/R solutions. I responded and asked them to supply me with the HIPAA authorization release form to show I authorized my medical information to be accessed. They responded vaguely with a letter demanding I pay the debt. I sent out a third letter asking them to stop contacting me if they can't provide me with the requested proof.

They resent a letter stating they are attempting to collect a debt, but still no proof of me owing them, nor did they provide me with the HIPAA authorization form I asked them for. I even have two documents showing two different months and year on the exam consent forms. Which is very questionable. My address is even wrong on the documents. So, I have the right to make sure I am not being scammed. 

I have already filed a complaint with the XXXX, attorney general of Texas, and the U.S. Department of Health & Human Services against A/R solutions inc and Dentists of XXXX for violating my privacy rights. 

A/R services has not only violated my privacy, but has also disregard my dispute request as well as harassed me.
Product: Mortgage

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, Nevada XXXX Date : XX/XX/2019 Complaint against M & T Bank M & T Bank imposed and an insurance policy that I did not want, requested, authorized, or needed. M & T Bank started to draft my bank account without my consent. M & T Bank is taking funds they have no right too. I notify M & T Bank to stop this insurance they disregarded my orders and continue taking the money. 
This is an FHA mortgage. They are not abiding by FHA Rules and regulation.
Product: Mortgage

I had a XXXX mortgage on a rental property that went into foreclosure with OCWEN Loan Servicing. OCWEN was contacted and a settlement agreement was reached and the amount they agreed on was paid off. After pay off they sent the loan to collections. The collections agency was sent the documentation of the settlement and they confirmed with OCWEN that the loan was charged off. 
In a recent check of my credit report OCWEN reported that the loan was closed and settled on XXXX of the XXXX credit reporting agencies. I filed a dispute with the XXXX credit report that was incorrect and they reported back that OCWEN said the information was correct. I contacted OCWEN, who said they did n't have access to that loan any longer because it was sent to the collection agency. After several phone calls they opened a case to research it. Initially they called back and said the loan was still owed. I then had them call the collection agency, who told them it was charged off. They opened another research case. They finally called and said it was paid, but after more then a week I have not received confirmation that it was paid off, nor has the credit report been updated. I have sent several emails and left several messages with no contact back. 
Though OCWEN says they are doing something to research the problem it has been found that it is only lip service and no action has been taken. Do not accept their " initial '' findings. I have had to call back a dozen times before they found documentation that it was paid, even though they have not yet sent me the documentation or reported it to the credit bureau. I expect it will take another dozen phone calls.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00}