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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX BANK XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CARD XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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

In or around XX/XX/ 2024, a credit account was fraudulently opened with my personal information at Wayfair via Citibank. In or around XX/XX/2024, I received notice of this fraudulent account via a Wayfair statement mailed to my address demanding roughly {$950.00} for purchased goods. I contacted Wayfair and informed customer service that I have not done any business with Wayfair or Citibank, and the account in question was fraudulent. Wayfair conducted an investigation and determined that since my personal information was used, I would be liable for the charges and that the unpaid balance would be recorded on my credit report. I intend to pursue legal action if Wayfair and Citibank can not correct this fraudulent account.
Product: Debt collection

I received a notice of garnishment for a debt that is XXXX XXXX XXXX with no notification at all. The collection agency is Credit International Corp on behalf of XXXX XXXX and XXXX XXXX. I have never received any information from these people or this company. On the face of the writ it states its from XX/XX/2014
Product: Debt collection

I am not liable for this debt with XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. 
Account NoXXXX Amount Disputed : {$860.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i have a fraudulent account on my report. please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, Equifax, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX  and it was supposed to have been fixed but still it is not fixed.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681, XXXX, XXXX and Equifax refused to removed any and all addresses, and adding information to report that I did not give permission to do! 

Per the CFRA, As a Federal Protected Consumer, I am now Opting Out of ANY and ALL Authorization. I the Consumer may have been giving you written and unwritten, verbal and non verbal, per 15 USC 6802.

For all information reported on credit report, I want companies and charges off removed from report.
Product: Debt collection

Debt is not valid. At time of services we had 100 % coverage for medical. I called the office and they admitted to filing under wrong XXXX and stated they would confirm with XXXX and remove the debt.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that OPTIMUM OUTCOMES #  XXXX  has furnished some items that have unverified information. I believe under  the Fair Debt Collections Practices Act , I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from OPTIMUM OUTCOMES but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA  law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT  OF 1996 ], to pr otect my privacy and medical records from third parties. I do not recall giving permission to    XXXX   XXXX   XXXX   XXXX   to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and  HIPAA  authorization.   1.Please provide breakdown of fees including any collection costs and medical charges  2.Provide a co py of my signature with the provider of service to release my medical information to you.    3.Cea   se any credit bureau reporting until debt has been validated by me.
4.Please send this   information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as a  HIPAA  compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Product: Vehicle loan or lease

To whom this may concern, I set up auto pay with Capital One too come out twice a month for the amount of XXXX XXXX on the XXXX XXXX and the XXXX of each month.the money come out each month. i have more than enough to cover payment. but been receiving late payment every month. ask to change the payment date. they said no.they said they would waive the late fee.but they did not.They have fornener that I can not under stand.I already mayed a extra payment.of XXXX XXXX because of their 10 day grace period.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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

This Company consistently redates a debt on my credit report. They are now saying I opened a XXXX account in XX/XX/XXXX and I owe XXXX. This is a lie. I had XXXX acct in XXXX and closed my account in XXXX. Never ever have I had XXXX since then. 

I have fought to for them to remove the incorrect information. For several years with XXXX  and XXXX. 


JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX violated my rights. 15U.S.C. 1681 section 602 A States I HAVE THE RIGHT TO PRIVACY. 15U.S.C. 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instruction.15 U S Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. 

Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to reove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I redeemed XXXX  points for a credit statement of {$240.00} plus a 75 % bonus for a total of {$420.00}. Only {$240.00} was credited to my account because the credit was issued to my credit card instead of my checking account. I called in 3 times and was told 2 times that the issue was going to be corrected and my checking account account would be credited the {$420.00}. In fact on XX/XX/XXXX I called in at XXXX XXXX  and spoke with a representative who spoke with their supervisor and got approval to have my account be credited. They asked for my checking account info including account number and routing number and said I would be credited within 2 business days. After waiting a week and not being credit, I called in again and was told that they would pull the recorded phone line and would be contacted on XX/XX/XXXX. I have yet to be contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. 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 repair the accounts and remove the late payments : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing XXXX XXXX XXXX  concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Product: Debt collection

Arc management group has reported a paid account to credit reporting companies. I paid the original creditor in XX/XX/2020 and this company has been repeatedly trying to collect per reporting and validating said account to credit reporting agencies. I have sent copies of both insurance reciepts and my personal reciept for my portion for the services rendered, yet this company still is reporting and verifying to all credit bureaus. Please have them cease all collections and remove from all credit reports. I will be adding the reciepts below if allowed also.
Product: Debt collection

XXXX and Enhanced Recovery. I was a XXXX customer for years while living in XXXX. In XXXX, I moved to XXXX and the phone service basically did not work. For 6 months I complained to the company about the dropped calls and no service and there was nothing they did. I kept asking to be let out of the contract so I can get a different phone company because their service did not work well or sometime NOT AT ALL in XXXX at that time. XXXX breached the contract because they did not provide the service I was paying for. I stopped paying for the service because I was not getting any service. They should not be able to charge me for service they could not provide. I was not going to continue to pay for service that I was not receiving. This was in XXXX and this year, their collection agency re-put this on my credit. XXXX would not remove this from my report. This is not fair that a company can keep putting a claim on my account when they are the cause of the cost.
Product: Mortgage

In response to your letter, which I received on XX/XX/22. You stated that you will be providing information to the CRA, according to congress Select Portfolio Servicing , Inc. is to exercise their grave responsibilities with fairness and respect to me as the consumer 's right to privacy. 
Select Portfolio Servicing, Inc. you also stated credit reporting is not an option to opt-out of, but according to 15 U.S.C 6802 it is. So your response seems to be based on opinion and not LAW. 
Select Portfolio Servicing, Inc. You dont have a right to report any of my personal information without my consent, if you do on XX/XX/XXXX as you stated in your letter, moving forward there will be charges against you for violating Federal Law after you have been told to not do it. 
Below I have attached some Laws you have violated if you feel otherwise please provide your reasoning backed by LAW and not opinion.
Product: Credit reporting or other personal consumer reports

According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. 
FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following account to be removed immediately from my report : XXXX and associates Account # XXXX.
Product: Credit card or prepaid card

We have spoke to Wells Fargo mutiple time to put the transaction in disoute as it is a fraudulent charge. We spoke to a Rep on XX/XX/2019 names XXXX He attempted to help us but was disconnected. We asked for a supervior on XXXX  XXXX and one was not avilable my call was taken by agent XXXX and we where promised a call back and never recieved one. XX/XX/XXXX the bank states they called and left a voicemail regarding the sisuation but we do not have a voicemail ... Thus far we have not been able to get the charges in dispute. The charges where put on account on XXXX.. I have been getting collection calls regarding payment for this charge which is not mine ... I can not keep calling in getting empty promises. I have a Zero Libility on Fruad charges on this XXXX ... I expect to use the full extent of that
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my credit report and the CRA states they have verified the information. This particular account I was taken to court for and the judge ruled in my favor. I did submit a copy of the findings with my dispute. If the company can't prove in a court of law that I owe the debt then why is it allowed to be on my credit report?
Product: Credit card

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
Product: Debt collection

I have contacted the collection 's company, United Auto Acceptance, to set up an online account to see my official receipts. The company has stated that there is no online website, over the phone, but they actually do. I have made payments from, XX/XX/XXXX to XX/XX/XXXX, without ever seeing the official receipts or current balance. My XXXX as well as myself have expressed that I need to see the receipts. I have looked online to see customer reviews and they are all the same. The company does not help the customers that are in need of assistance. I can provide proof of payments but as of now I am unable to make any further payments due to their office being closed from the Covid-19 epidemic.
Product: Consumer Loan

I am being called multiple times per day, from both the office and from personal cell phones of employees in the office. They are also sending text messages telling me to call them. I have advised them of medical issues I have that are currently preventing me from working, and I was advised that they were going to sue me in court, garnish my wages, and take personal property that was used as collateral.
Product: Student loan

Every month I pay a total of {$80.00} currently due to myself being affected by XXXX. The earliest payment started in XXXX of XXXX Prior to that I was paying about {$100.00} because that was what I could afford. Currently, Sallie Mae continues to harass me by calling my phone multiple times a day and they give me the same script every month. They dont take notes and continue to sell me on forbearance. I only have now one month left on forbearance and they continue to call even with the forbearance. I tried to work it out with them but they will not offer me another option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with a company that is reporting incorrect information to your credit bureau under my social security number. Upon reviewing a copy of my credit report XXXX is saying that I owe {$380.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.