23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate information present on my credit report. Despite previous attempts to rectify these errors through your dispute process, the inaccuracies persist, adversely affecting my creditworthiness. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging failures in properly investigating consumer disputes and reinserting incorrect information into credit reports. My experience mirrors these allegations, as I have encountered similar issues with unresolved inaccuracies on my credit report. 

The specific items I am disputing are as follows : XXXX. [ XXXX XXXX Bank ] Account XXXX : XXXX XXXX. [ XXXX XXXX ] : XXXX XXXX. [ XXXX XXXX XXXX ] : XXXX XXXX Payments ( 15 usc 1666 b ) Enclosed are copies of supporting documents that substantiate my claims, including [ list of documents, payment receipts, account statements, correspondence with creditors ].

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough reinvestigation of these matters, correct the disputed information, and provide me with an updated copy of my credit report. 

Please acknowledge receipt of this dispute and inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

openedXX/XX/2011, amount owned {$4800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Subject : Dispute of Inaccurate Information- I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act, Section 611 ( 5 ) ( 15 U.S. Code 1681i ( 5 ) ). After a thorough review of my credit report, I have identified discrepancies that I believe require investigation and correction.

Details of the inaccurate information are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Nature of Inaccuracy : This account does not belong to me. 
I dispute the accuracy of the information mentioned above. I request that you conduct a reinvestigation into this matter and correct any inaccuracies promptly. I have attached supporting documentation to assist in the verification process. 

Please provide me with written notification of the results of your investigation within 30 days of the receipt of this dispute letter, as required by law. If the investigation reveals that the information is indeed inaccurate, I expect the prompt correction of my credit report. Thank you for your attention to this matter. I appreciate your cooperation in resolving this dispute and maintaining the accuracy of my credit report. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> each company ran my credit without my permission or written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following unauthorized collection accounts from my credit report : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}
Product: Credit reporting or other personal consumer reports

Please, I have reviewed fraudulent accounts that are affecting my credit, XXXX XXXX already paid it and it is still on my report, the other XXXX XXXX paid {$900.00} a month ago and instead of eliminating that debt, now they want me to pay {$900.00} plus extras and they won't let me know. It seems fair because that is already fraud so please delete that fraudulent history. Since these bad reports, which I already paid, and they want to charge me more money, are affecting me for new and future credits.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called RS Clark and Associates on X/XX/2017 at XXXX. I spoke with XXXX or XXXX at XXXX XXXX. I did n't have a chance to get the correct spelling of her name because she was so busy going off on me. XXXXShe informed me that the has 3 accounts for me, none which I have received validation for. She said that two medical and she did not have validation for those, but I could call XXXX to get validation on those accounts. I am not sure how RS and Clark are collecting on a debt that they can not validate that I owe. XXXXThe 3rd account was with an apartment complex that I lived at over 7 years ago. Its showing I owe almost 5k. I explained to XXXX XXXX, that I have no idea why I would owe that amount. She informed me that she could go over the list of charges with me over the phone, as I am in between homes and I did n't want to miss it in the mail. Plus, I was ready to address why I would owe an apartment complex 5k. I mentioned that I had my pen and paper, so that I could make a list of the item the apartment complex were billing me for. Then I would have a better idea of if I owed them for damages or anything. I left the apartment in the same condition that it was in prior to my move in. I asked XXXX XXXX if the charges she gave me, I knew I did n't incur would I just need to call the apartment complex directly to discuss payment, etc. She rudely responded, " Oh no that is not what you need to do, we have the account and are reporting to your credit '' She kept putting emphasis on them reporting to my credit, as if my world is going to end because they are reporting. I told her, that it reporting was n't the issue, the issue is I do not owe any 5k. I wanted to know if I was supposed to seek legal counsel or what I needed to do to resolve this collection I do not know. XXXXXXXX XXXX informed me that I could settle with her. I responded, why would I settle on a debt I do not owe. She got very upset. I asked her if she would let me know the itemized amounts for the account. She told me NO, I replied I thought you were going to review everything with me, so that I could resolve. She told me no because I was n't going to settle, and that I wanted to tell her about the items I was and was not going to pay. I explained to her, would you pay for something that you did n't owe. She did n't live in the apartment, but I did. She told me that she was NOT going to validate the debt with me and she did n't have to. She told me that RS Clark does n't operate on my terms, I operate on theirs. I was just applauded. The last time that I checked a collection company could n't refuse to validate the debt. The calls are recorded, so please feel free to listen and her XXXX XXXX an RS Clark Associate refuse to validate the debt just because she did n't want to. However, when we started the call she told me she was. XXXXSo RS Clark is negatively reporting 3 accounts that they refuse to or ca n't validate per their agents ' own words. Again, the call was recorded please listen and hear how blatantly XXXX XXXX violated my FCRA Rights, by refusing to validate a debt. Even though 10 minutes prior she told me she would.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Type : Charge Account Balance : {$0.00}
Product: Consumer Loan

I owed credit acceptance about {$7000.00} for a car loan. They took me to court and everything got settled and the judge ordered me to pay XXXX % of my gross income every week until the debt is paid off. They are not to contact me anymore or to harass me over the phone. Since the Judge gave his judgement, credit acceptance has still been calling me, harassing me and they are now claiming to be the United States government. I have changed my number several times and they still find me and claim to be the United States government or a representative from the student loan forgiveness program seeking to get my personal information such as my bank account. When i use a different number to call them back, they pick up the phone saying " credit acceptance ''. Since everything was settled in court, they no longer have the right to contact me in any way, especially making false accusations claiming they are the United States government. I have taken other actions such as making a police report and reporting them to the FTC, but they continue to call me and family members around me. When I do n't give them what they want, they start using foul language, hang up and sometimes call me as much as 55 times a day. 
They call using several different phone numbers, but the main one is XXXX ( XXXX, IL )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report XX/XX/XXXX and I noticed some more inquiries that do not have permissible purpose supposed to be on there. Ive contacted the credit bureaus, and the issue is still not getting resolved and they keep violating my rights under 15usc 1681 b, I also attached the hard inquiries that do not suppose to be on my credit report
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and saw a late payment on the date below : XX/XX/2018 I am not sure how this has happened. I believe I made my payments to you when I got my statements. My only thought is that it must have gotten lost in the mail.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Mortgage

Dear Sir or XXXX : This is a written complaint about a Freedom Mortgage. I had a mortgage with them that was paid off on XX/XX/2020. The loan number is XXXX. The Lender is not being transparent. I was sent a letter on XX/XX/2020, stating the account was closed and that the mortgage release documents were being processed and mailed to my XXXX XXXX. As of today, XX/XX/2020, there is not any said release documents that have been received. Last week, I was on the phone with many holds for XXXX hr and XXXX minutes just to acquire information. They have {$26.00} that has been assessed to me to have these documents filed. During the process of this call, it was stated that those documents were sent on XX/XX/2020. Either this was lost between Freedom Mortgage or it was not sent at all. At this point in the process, I do not trust that Freedom Mortgage has completed their part of this process. I do not find their processes credible. All I am asking is that they complete their release documents. There was not a management Team Member available for a long hold today, XXXX, XXXX, 2020. Since it does not appear that my XXXX XXXX has received the Mortgage Documents, would you please help me to expedite Freedom Mortgage to do their part? 

Thank you so much, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. My identity was stolen and I have been dealing with the fallout for years XXXX  Some of the perpetrators were arrested but it was a group and others still use my identity and credit in various ways. I just found out that someone was using my information in XXXX  and XXXX  XXXX XXXX for XXXX and XXXX. They had identification and drivers license in my name but their pictures. The person in XXXX  is white but I am XXXX XXXX however they were able to get past XXXX. This means that they registered a vehicle and had insurance in my name. Ive also received medical bills in my name that were not mine. 
They also had duplicates of my credit cards and could use my credit cards at anytime. Because they had all of my information they could go into the credit bureaus and change or reverse anything that I did. Its been horrible and stressful for years. With the recent information breaches fraudulent activities have increased. Im even more frustrated because companies ask me questions and for information that I dont have because others are using my identity. They even used my bank account to make payments to make it look as if it was me making the payments. I struggled to keep up payments because I wanted to maintain good credit and I felt like there was nothing more that I could do because I couldnt get help. Now I cant make the payments and my credit is suffering. The problem is I did use the cards but others were using them also but I was stuck paying the bills. Ive payed my debts but been forced to pay others debts as well. Ive been successful in challenging some things but its hard to deal with this situation because some of it is me and lots of it is fraudulent. This has caused me to have panic attacks and close to a nervous breakdown along with other issues in my life. My credit debts is so convoluted by fraud that Ive considered getting a new social security number and starting over. I dont know what to do! Please help!
Product: Credit reporting or other personal consumer reports

Upon checking my consumer credit I Noticed several alarming account that DO NOT BELONG TO ME! XXXX XXXX account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  account # XXXX has failed to respond to my concern regarding my credit file. Under the FCRA, I can seek statutory damages if A creditor furnishes inaccurate information about DEBT, such as incorrectly reporting A charge off while claiming I owe a debt. I have requested for VALIDATION and never received any information on these accounts. I want to know what reasonable procedures that were taken in the investigation and verifying the information on this erroneous debt, I am asking AGAIN for all file disclosers and the full sale file and ORIGIANL CONTRACT of this DEBT. According to federal law ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. It is an federal crime to keep verifying an account without full DISCLOSURE 15 USC 1681G, SECTION 1-3
Product: Debt collection

I received a notification that medical debt has been placed with Radius Global Solutions. Ive been making payment to these debts and have paid two of the three off. I have not gave consent to have my protected healthcare information to be released to Radius Global Solutions and it is a violation of my HIPAA Rights.
Product: Credit card or prepaid card

XXXX.I have never had an account with this company COMENITY CAPITAL BANK , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY CAPITAL BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

XXXX credit card is XXXX. The company have engaged in misrepresentation of credit card usage on which is between 0 % to 6 % for this period of XX/XX/2024 to XX/XX/2024. I call on the company XXXX  to make full payment of {$190.00} on or before XX/XX/2024 and it all went through. The company then reported today that was at 55 % utilization. After calling XXXX  back they confirm only three small payment came out of the account {$13.00}, {$5.00}, and {$16.00} which is under 10 % utilization. This is misrepresents, fraud, and deceptive billing and credit reporting practices under Federal Law with an intend to desparately cause financial harm and injuries. To deter all future business personal credit request to be deny in Badfaith as a neglect.
Product: Debt collection

a collection appeared on my credit report, this company did not inform me before it was added or inform me of my right to dispute. when i called the company they could not find the account.
Product: Debt collection

On XX/XX/2019, a fraudulent withdrawal was made from my bank account through paypal. I immediately contacted Paypal and notified the company that this was fraud. I asked that they ( 1 ) return the fraudulently taken funds, ( 2 ) change my account from XXXX back to XXXX ( the hackers changed the language ), and ( 3 ) close my account. Paypal debited my bank account the {$1000.00} that was stolen. However, the company placed on my account a negative {$1000.00} charge. I repeatedly attempted to contact paypal and speak to a customer service representative, but could never speak to an actual person. I also attempted to send the company emails. No action was taken to help me. As far as I know, my account is still in XXXX and has not been cancelled. 

Now I am informed that Paypal has sent me to collections so that it can recover the {$1000.00} that appears negative on my account, although this was an action taken by Paypal in response to fraudulent charges that appeared on my account in XX/XX/2019. I have not been able to speak to a single person since this ordeal started months ago. And I should not be required to send money to Paypal that I do not owe. I also can not login to my account to contact the company that way. They have been imposible to communicate with and now they have sent me to collections because of the response they took to fraudulent activity on my account.
Product: Debt collection

I had a very old debt from 2013 that was bought from XXXX debt collector to another. 
The second debt collector has threatened to sue me even though I have never made a payment to them. The debt is over the statute of limitations and not required to be paid after 3 years in NH and 4 years in MA
Product: Vehicle loan or lease

Loan was supposed to be removed due to fraudulent ownership, i am not in operation or owner ship of the vehicle
Product: Credit reporting or other personal consumer reports

The following inquiries are reporting on my credit that I never applied for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>