23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX, 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. 
COLLECTION NAME XXXX XXXX XXXX XXXX XXXX XXXX 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 patients authorization. Therefore, my request is twofoldvalidation 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 You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a necklace and a pendant for the total amount of {$1600.00} from online retailer XXXX. Once I received the items, I realized the pendant was too big for the person I was buying it for as a XXXX present and contacted XXXX to return the pendant. After multiple phone calls and emails, XXXX  finally provided me with the return authorization address. 

On XX/XX/XXXX, I sent the pendant back to XXXX unworn and in its original state. According to tracking, it was received on XX/XX/XXXX, well within their 15-day return limit. I was awaiting a credit of {$960.00} for the pendant. 

After several back and forth emails with XXXX regarding the status of my credit, I finally decided to contact Citibank to inform them of the issue. I never received a credit of {$960.00} from XXXX. 

On XX/XX/XXXX, Citibank issued me a credit for {$960.00} for the return of the pendant and indicated they would investigate the matter with XXXX. 

On XX/XX/XXXX, Citibank sent me a letter indicating they were reversing the {$960.00} credit and were closing their investigation. 

I refuse to pay for a pendant that I returned to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected : XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX continues to contact me and interfere in business dealings and my health over a two year old debt for services that were authorized with my previous insurance company in XXXX. The company continues to charge COVID tests that are free due to be uninsured. When I am attempting to have tests run for employment or as an uninsured person they continue to press the issue of {$130.00} that is the result of the organization not being authorized to run test under the said insurance company on question along with not report back to my pcp to clear up any outstanding bills. XXXX XXXX has forwarded these outstanding bills to a collections agency now after tests were run for COVID.
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I mailed 2 separate certified mail request validating debt. XX/XX/XXXX XXXX and XX/XX/XXXX. The first response was the lease and no other validation credentials that the debt belongs to me. I mailed a second certified mail request for validation and the company failed to respond. I called the company today and they indicate they do not own the debt or have the authority to remove from my credit report. I tried to rectify the debt with the client of the collection agency XXXX XXXX XXXX and XXXX XXXX says they do not own the debt and I must call the Collection agency. Shouldn't the collection agency not have the authority to collect a debt they failed to validate from my certified mail request? 

This debt pertains to a divorce and moving from the property during covid shut down. Account name FAIR COLLECTIONS & OUTSOURCING Account number XXXX Recent balance {$4000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The bank reported a deliquent account which they were supposed to close. I went into the bank to close all accounts and paid to have the accounts closed. Before leaving the bank I was told that all accounts were closed. However, I received a 30 day delinquent notice on the credit line which was supposed to be closed. I worked with their team to discover what caused the issue and learned that the staff did not know how to navigate and properly close the accounts. They acknowledged their error, with their credit team ( on the phone line, i walked to the bank with the bank 's credit person on the line ) on the line and and was told that they would resolve the issue. This was over a year ago and I'm still trying to get help to resolve the issue. I've contacted credit buearus, multiple contacts at XXXX and have missed work trying to resolve this. Although I received letters from the bank stating that they would remove the delinquent marks, they continue to report the account as having been past due XXXX and XXXX  days. It's been a vicious cycle and I'm tried to resolve this amicably but have had no success. The issues has also delayed me from move forward with other personal matters such as relocation and job advancement.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. As such, they must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
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 Fraudulent Inquiries XXXX XXXX  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, credit repair services, or other personal consumer reports

Information inaccurately reporting. 
1. XXXX XXXX bankruptcy not my account. 
2. XXXX XXXX paid as agreed. 
3.NE XXXX XXXX XXXX XXXX XXXX agreed was never delinquent on XXXX & XXXX of XXXX 4.XXXX  XXXX falls under XXXX XXXX XXXX act paid in full. 

5 XXXX XXXX XXXX  purging and re-aging the account. Account being paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Experian to cancel an account I never authorized with them. They are charging my credit card {$23.00} per month. I tried to cancel online and can not see how. I tried calling on the phone and there is no operator to speak to. I have sent numerous e-mails and tweets and have not heard back at all. 

I am severely disappointed.
Product: Credit reporting or other personal consumer reports

Please remove the incorrect inquiries as well as collections that are reporting differently to each credit bureau account inaccurately or in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information Addresses : All addresses are inaccurate or not associated with me in any way. I have provided proof to XXXX in reference as well as Transunion XXXX XXXX. These addresses are still reporting on Transunion and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Debt collection

I am writing to you regarding the late payment ( XXXX ) that appear on my credit report for the account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX After reviewing my credit report, I noticed that there are late payment entries for XX/XX/XXXX and XX/XX/XXXX. I am writing to request the removal of these late payments from my credit history.
Product: Checking or savings account

I called the main telephone number for Bank of the West on XX/XX/2021 to close my 2 checking accounts. one with a balance of {$160.00} and the other checking account with a balance of {$230.00}. I updated my address over the telephone from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NE XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX The local Bank of the West branch in XXXX, Nebraska closed both accounts and mailed a single check for {$390.00} to my old address. As of today XX/XX/2021 I have not received the check. I called the local Bank of the West branch on XX/XX/2021 and they told me thet no check could be reissued until XX/XX/2021. I need these funds now for bills. Thank you.
Product: Mortgage

The name of the mortgage company is Movement Mortgage located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX. The loan officers are a married couple by the name of XXXX and XXXX XXXX. XXXX  # XXXX and XXXX # XXXX. I have a XXXX credit score and gave in all of the documents they asked. After 2 weeks of deliberation and as soon as they knew I was an XXXX XXXX, they asked me for a co-signer. I asked why exactly? They said my income had dropped from XXXX to XXXX and the underwriter will ask for a co-signer. I replied of course it did. Due to Coronavirus year, many peoples income dropped from shorter hours or from their businesses suffering loss.

I said that was not enough reason to ask for a co-signer. I still have more than enough income to pay for a mortgage. I asked for a 2nd opinion from other lenders & I was told that was not true. There is no reason for them not to give me a pre-qualification. It seems that they do not want to give you a pre-qualification because you are XXXX. I ended up getting a pre-qualification from another lender after just 3 dsys. I am reporting these loan officers and this company to CFPB because this is discrimination/racism.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX  XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$8300.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$8700.00}
Product: Mortgage

My house was flooded during the recent Louisiana floods. I was not required to carry flood insurance but I did so anyway. I received a check from my insurance for $ XXXX, but was told by Chase insurance I would have to provide a contractor 's license before they would release any of the funds. I work for the largest home builder in the state and am very aware of the laws. In the state of Louisiana anyone can build there own house as long as they do not exceed one house a year. I told this to them numerous times and provided documentation. After weeks of battling over this, they agreed and cut me my initial $ XXXX check. Approximately a week later I receive a denial letter, when I call to check on it I am told that I would need to register as a home improvement specialist in order to receive the remainder of my funds because the work is over {$7500.00}. I called the state licensing board who said the documents were read incorrectly by Chase and that the {$7500.00} requirement is for people who are going to do work on other people 's homes. I called Chase once again and relayed this info and after working my way up the ladder it was resolved. As a matter of fact I was told by XXXX XXXX, a supervisor, that Chase did n't have a leg to stand on in fighting my claim. I once again thought it was resolved. A week later, today, I was told that my request to self contract was rejected and to receive final funds I would need to register with the state ( who once again claims that is false )
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681G law violations. U.S.C 1681.I tried to purchase a home and its reporting things that shouldnt be on there.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$23000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1100.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX
Product: Debt collection

An account with XXXX was opened under my name and social security account for an amount of {$15000.00} in XXXX XXXX and I identified the identity theft in XX/XX/XXXX. 
My identity was stolen and this account was opened. XXXX ( XXXX ) has since charged off and CACH LLC purchased the account from XXXX. I have been summoned to court and attempting to clear this account from my name, since I never applied for such an accounts. Currently the XXXX XXXX XXXX Law firm is from XXXX XXXX LA is the current debt collector and has taken me to court. 
I am currently in the process of waiting for an official letter from The U.S. Office of Personnel Management ( OPM ) and the U.S. Department of Defense ( DoD ) since my data was included in a e cyber incident involving background investigations. I have been given access to My ID experts for credit monitoring.

I ask that this be cleared from all 3 of my credit reports.
Product: Debt collection

I have no rights to this account I don't know who open the account all I know the credit card was open in XXXX during a world crisis. The credit company XXXX XXXX was in contact with me XXXX XXXX at the time. Now.. creditors ( LVNV ) funding inc debit buyer keep and has continued harassing 5 years.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX and ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX and ( XXXX ) Account # XXXX is causing harm to my credit All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting

I have been disputing public records and tax liens with Equifax for three months and they have little to no reason why the records have n't been removed.. I spoke with XXXX the Supervisor on in XXXX and he guaranteed me that the investigation would be completed in thirty days..I waited the allotted time to get a response from the credit bureaus..I called back in XXXX and I spoke with an agent who said, the company did n't show any record of a dispute.. I was advised that they would have items sent out again asking the creditors to verify items being disputed..I called back on XXXX/XXXX/2016 and no results and I even provided the confirmation number that I was given, not in the system ... I sent over a fax and a certified letter demanding these items be deleted .I called to followup on XXXX/XXXX/16 to see if the documents had been received, XXXX representative told me that the documents were n't legible and I had to resubmit everything..so, he advised me to let him dispute the items again..I did n't agree for him to resubmit an investigation that should have been completed four months ago..
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit reporting.
Product: Debt collection

I have never had XXXX and i have a collection on my report from them. It's not mine and I've not been able to get them to send me anything saying it was mine or to remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a compliant from XXXX which is attached. I received notification from Experian first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/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, and XXXX XXXX Plus there are about 100 soft inquries