23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in mid-XXXX, I was XXXX and recovering from the XXXX XXXX. My XXXX   suggested that I get my XXXX XXXX to make sure I didn't have any fluid in there that could develop into XXXX. Since I had recently moved to Texas and did not have a PCP, he suggested that I go to the ER at XXXX XXXX XXXX XXXX Hospital because they'd be able to do everything in one shot, without me having to wait for a new patient PCP appointment. The ER visit was less than 15 minutes. XXXX XXXX XXXX immediately saw me, got the details from my XXXX, sent me up to XXXX, where a XXXX   reviewed a XXXX XXXX and said I was all clear. XXXX XXXX inaccurately billed the visit as CPT code XXXX, a XXXX XXXX ER visit, which requires that he have taken a detailed medical history, conducted a thorough examination, and had to make moderate difficulty decision-making. He did none of these things. I appealed the bill to the hospital for the more appropriate XXXX for such a straightforward visit where my XXXX and the XXXX  did all of the work ( and they were paid separately ). The hospital kept sending me on the runaround and refused to adjust the bill saying that the doctor 's notes said he did all those things to qualify for XXXX, but they refuse to accept that I wasn't present for the doctor 's note-taking, so he could have misremembered when adding notes in later - they also refuse to share the doctor 's notes with me, the patient. This issue is currently being investigated by the Texas Department of Insurance, the NAIC, and XXXX, my insurer. 

As a result, XXXX XXXX sent the remainder of the bill that I would not pay to Computer Credit collection agency. On XX/XX/2019, I received a letter from Computer Credit seeking collection on my XXXX XXXX account # XXXX. On XX/XX/2019, within 3 days of receiving Computer Credit 's letter, I responded via USPS Certified Mail contesting the validity of the debt with a detailed three-page letter that painstaking listed all of the problems with the debt. The USPS tracking number for the mailpiece was XXXX and the return receipt shows that it was signed for on XX/XX/2019 by Computer Credit representative " XXXX XXXX '' ( handwriting was illegible ). Rather than respond to the detailed complaint with further proof, Computer Credit instead sold the debt to XXXX, XXXX, who contacted me on XX/XX/2019. 

They are in brazen violation of the FDCPA by not sending documentation to validate the debt and reselling the debt to another firm without providing the documentation requested. I have raised this matter with XXXX XXXX and get pointed to Computer Credit, who refuses to answer. I complained against Computer Credit with the XXXX   and Computer Credit lied in response, saying the mail was not sent certified and pointed the finger back to XXXX XXXX for not validating the debt. 

At best, this is sketchy and fishy medical debt collections that flirts with illegal activity ; at worst, it's downright fraud and flies in flagrant violation of the FDCPA and other federal laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX for Account XXXX XXXX XXXX  ( Account XXXX XXXXXXXX ) Specifically, Equifax is reporting the account as " Pays as agreed '' but also indicates it is " 90 days past due. '' XXXX is reporting the account as " Paid or paying as agreed '' while also listing it as " 90 days past due. '' XXXX is reporting the account as " Account paid satisfactorily '' with the note " No update received. '' These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

Reporting multiple amounts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO ADDRESS ON FILE Dear Sir or Madam, I saw that the companies above pulled my credit report on TRANSUNION, XXXX, XXXX. 

I do not understand why they believe they had the right to do this. I did not give a permissible purpose to anyone pull my private credit report. 

Please tell the credit reporting agencies to delete the inquiry or tell me in writing how you had the permission under the Fair Credit Reporting Act to pull my credit report. 

Thank you for your prompt attention to this matter. 

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

Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Checking or savings account

Account was opened in my name and was used for fraudulent activitiy Wells Fargo Account : XXXX XXXX : XX/XX/21 XXXX unpaid Wrong drivers license, wrong email, and phone numbers All files uploaded are from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 AN # XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which is within Toyotas 15-day grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have XXXX  day passed due remarks on my credit report. I have never made a payment past XXXX  days i have contacted the leasing company over XXXX times and noone has looked through my account and rectified the issue. 
Customer service is terrible and noone puts notes in the system. Everytime i call i have to explain myself because noone knows whats going on. Leasing with this company has been a complete nightmare. Also when i ask to speak with a supervisor im always told they are busy and will return my call and I never receive a call back!
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account
Product: Mortgage

I pay my mortgage in two semi-monthly payments. My current mortgage company, Freedom Mortgage holds the first payment until the end of the month and then applies both to the principal and interest at that time. This means they hold that first payment ( not earning interest for me ) and charge me full interest on my loan for the whole month instead of immediately applying the first payment to principal and interest. They also keep the two additional payments that I make a year and apply them in XX/XX/XXXX even if it means they keep the money for for a full mortgage payment for many months. This seems to defeat the purpose of saving on interest payments by paying bi-monthly. Is this legal? I had no choice in who I got as a lender ( my mortgage was sold to them ). If their behavior is legal, outside of refinancing, is there anyway to get another lender with better policies? 
I would like my payments credited when they are received. This company has been terrible to work with- they do n't seem to know how to work with someone who manages their credit well and who is financially literate.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Mortgage

Central Mortgage Company charged a late fee that should not have been charged. 
They have done this several times on my online bill pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

Equifax is reporting multiple names and addresses and credit accounts on my credit report that are not mine and not accurate or non verifiable. attached is a copy of my government id letters that i sent to correct my personal info as XXXX NAME AND ADDRESS along with the accounts that are not mine. Please delete this non verifiable information immediately.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$2700.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

As Per FDCPA AND FCRA LAWS, COLLECTION AGENCIES MUST VALIDATE DEBT WITHIN 5 DAYS AT THE REQUEST OF THE CONSUMER, IN A NUTSHELL, DEBT VALIDATION IS A SPECIFIC PROCESS THAT COLLECTION AGENCIES MUST FOLLOW PER THE LAW. NONE OF THE COLLECTION AGENCIES I SENT LETTERS TO AND NONE OF THE XXXX CREDIT BUREAUS I SENT SPECIFIC DEBT VALIDATION REQUESTS TO HAVE FOLLOWED FDCPA AND FCRA LAWS AND PRODUCED ANY OF THE DOCUMENTS IVE REQUESTED :. 

THEY MUST PRODUCE THE DOCUMENTS I REQUESTED THAT INCLUDE : ASSIGNMENT CONTRACT DATE OF LAST MISSED PAYMENT PURCHASE AGREEMENT XXXX OPT OUT OF 3RD PARTY AGREEMENT METHOD USED FOR VALIDATION AND WHO VALIDATED LICENSE TO COLLECT DEBT IN MY STATE STATUE OF LIMITATION THE DEBTS LISTED ON MY CREDIT REPORT MUST BE VALIDATED OR MUST BE DELETED OR REMOVED AS THE COLLECTION AGENCY CAN NOT CONTINUE TO DAMAGE MY CREDIT BY REPORTING THIS INFORMATION IF THEY DO NOT VALIDATE IT : THOSE DEBTS INCLUDE : XXXX XXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX
Product: Credit card

Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation The FCRA Reporting falsely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never authorized these accts to be opened
Product: Credit reporting or other personal consumer reports

Please consider the attached letter as my formal dispute of these accounts under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of my credit report highlighting the disputed accounts, along with any supporting documentation relevant to this matter. These accounts are negatively impacting my credit rating, and I am formally requesting verification of their validity and accuracy as detailed in the attached notice, pursuant to the FCRA, 15 U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

XXXX, equifax, and XXXX are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a significant drop in my credit score and because of the hack with XXXX I wanted to check on the issue. I tried to log into Experian numerous times and even though I reset my password, it 's still showing up as no account found. Like XXXX the site ask for you to enter your personal information including your social. The website just continues to loop around. Comments have been going around that hackers with personal information may try to freeze an account before the actual consumer have the chance to freeze it themselves. ( Please do n't say it 's not true, because we trusted the Credit agencies to keep out information secure and they failed also trying to get them to clear errors on a report is like pulling teeth XXXX Tried to log into the XXXX thru free annual credit report was kicked out. Tried to dispute errors for a {$710.00} amount on the Experian website from the breach they recently had, but I 'm constantly getting kicked out. It also list my spouse name is XXXX, I 'm not married. They need to stop hiding and start helping this is their mess. I 've already reached out to the Attorney General for the State of MA, my next move is to file legal action. Thank you
Product: Credit reporting or other personal consumer reports

I was never late on this account. 
XXXX XXXX XXXX Account XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are fraudulent accounts and doesn't belong to me.They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from 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,
Product: Money transfer, virtual currency, or money service

I have a police report with the XXXX police department about this. I tried to deposit a money order at Wells Fargo and when the money order became fraudulent I lost over {$3000.00} of my real money and was almost put out on XXXX XXXX.
Product: Debt collection

Credit Solutions is reporting a debt that was charged off by a credit union more than 5 years ago. It is past the statute of limitations on the debt. To cause me pain in an attempt to force me to pay it they have re-aged the debt to make it look recent thus impacting my credit scores and causing me to be declined for a home loan. The original debt charged off back in XX/XX/XXXX. Credit Solutions is reporting that the debt opened in XX/XX/XXXX which was past the statute of limitations at the time they opened it and they knew it. They have never attempted to contact me to verify this debt. NO attempt at all has been done to validate the debt which is a direct violation of the FDCPA 809 ( b ) FTC XXXX XXXX. The reporting is completely inaccurate and they know it.