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

ON XX/XX/2022 I SENT A DISPUTE LETTER TO EQUIFAX IN REFERENCE TO A MEDICAL BILL THAT WAS SENT TO COLLECTIONS AND REPORTED ON MY CREDIT REPORT. THIS DEBT IS NOT MINE AND REPORTING INACCURATELY TO CREDIT REPORT. EQUIFAX AND XXXX RESPONDED TO MY DISPUTE ON XX/XX/2022 STATING THAT THE ACCOUNT WAS VERIFIED AND 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF THE TWO CREDIT AGENCIES ARE REPORTING TWO DIFFERENT ACCOUNT NUMBERS AND TWO DIFFERENT COLLECTION AGENCY NAMES? I'VE ALSO SENT LETTERS FOR BOTH OF THEM TO SEND ME THE VERIFICATION OF METHOD FOR VERIFYING THIS ACCOUNT AND THEY HAVE YET TO RESPOND. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA AND THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLEY. 

THE FOLLOWING ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY : 1 : ( EQUIFAX ) * DOES NOT SHOW ORIGINAL LENDER ON CREDIT REPORT* COLLECTION AGENCY NAME : XXXX ACCOUNT # XXXX XXXX : ( XXXX ) ORIGINAL LENDER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ABOVE IS HOW THE ACCOUNT SHOW ON MY CREDIT REPORT AND I WILL ALSO ATTACH PICTURES. BOTH SHOW TWO DIFFERENT ACCOUNT NUMBERS AND EQUIFAX DOES NOT HAVE THE ORIGINAL LENDER REPORTED. SO HOW COULD AN INVESTIGATION BE COMPLETED AND EVERYTHING VERIFIED AS ACCURATE IF MY CREDIT REPORT CLEARLY HAS INACCURACIES REGARDING THIS ACCOUNT? 

THESE ERRORS NEGATIVELY AFFECT MY GOOD CHARACTER AND REPUTATION AND THE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Mortgage

I signed up for the forbearance program with Wells Fargo and also to defer the missed payments to the end of the loan due to XXXX. This lasted 18 months and now they are telling me I need to pay $ XXXX to avoid foreclosure. They told me last year if that if I made 3 months of payments, I could qualify for a refi. I paid those 3 months and every month since then. The refi they offered me would have cost an additional {$30000.00} so I told them I wanted to stick with the original deferment plan instead. Now they are saying that they offered me to go back to the deferment plan but I had declined it ... .which was a lie and also that I never responded to the 2nd time they offered it to me, which was also a lie. I have talked to no less than 8-10 people there dozens of times..no exaggeration. 1 employee told me that he had to apologize for a lot of what other Wells Fargo employees had said over the last 3 years because they were saying things they shouldn't have. 1 of them flat out told me that my only option is pay the past due amount or they will foreclose on me. 1 one of them disconnected the call as soon as I told her I was recording the call as well. 
I just want to do the forbearance plan that I agreed to initially and they refuse to honor it. This week they asked for another loan application from me so that they can find more loans at much higher rates now. I am still XXXX  due to XXXX so I can't even look for loans any where else. Please help me.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Portfolio Recovery Solutions has been violating my consumer rights and I have NEVER done ANY business with them, nor have I even heard of them prior to their harassment. I've received numerous phone calls from Portfolio Recovery Solutions, harassing me, they refuse to even identify themselves. I DO NOT KNOW how they have ability to contact me, Ive NEVER given them my information or permission to do so. Portfolio Recovery Solutions called XX/XX/21 at XXXX, I demanded they NEVER contact me again, and informed that I DO NOT OWE ANY debt or obligation to them yet the calls kept coming in, On XX/XX/21 at XXXX and XX/XX/21 at XXXX ; XXXX and a few other times. Portfolio Recovery Solutions calls from different numbers at ANY time, they completely ignore my Affidavit and cease and desist letter signed by notary under penalty and perjury XX/XX/21. PLEASE HELP ME stop this fraud and receive the remedy afforded by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1900.00}XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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. I did not give Experian, XXXX or XXXX permission to furnish these accounts. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the Account Rating is inaccurate, the Payment Status is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Product: Debt collection

I had a XXXX, 3rd or 4th time. My girlfriend got scared and called the ambulance. As I started snapping back from the disorientation the ambulance was pulling up and making me stand up, basically making me get into the ambulance. I said no and I didn't need it multiple times. They spoke as if I had no choice. So I took their 5 minuet ride to the XXXX. ( this was my 3rd or 4th one I knew there was nothing that the hospital could do so it was pointless to go. But they basically made me take the 5 minuet ride. didn't give me anything that I can remember because im not XXXX. So there really isn't anything to treat me for. And I never received any notice. Did not know I could dispute it. I spoke with them and they claimed " I signed for it '' with I don't remember. And they could not produce proof of my signature or anything when I called and asked. 

So basically they forced me to take a 5 minuet ride for no reason to the hospital. apparently " made me sign something '' that I do not remember at all sop I had to have been groggy and disoriented. And then failed to show me proof that I in fact signed Watever they're talking about. 

There's no way I would consciously pay XXXX for a non emergency ride to the ER for no reason. 
I was stabbed before and tried to drive myself to ER and refuse the ambulance ride .... 

Doesn't make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that I did not manually create nor authorized. Under the FCRA they must be removed if no evidence has been provided. I have demanded they be removed immediately since they were made without my permission.
Product: Debt collection

To AMERICOLLECT : YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you, Americollect my authorization and request to release my personal and medical information/records, i demand that you block and cease collections on the following accounts from my consumer report. 

-Americollect XXXX {$1.00}, {$1000.00}, {$710.00}, {$720.00}, {$150.00}, {$62.00}, {$110.00}, {$460.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( XXXX ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between Americollect and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity Zero out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My credit report contains unauthorized hard inquiries that I did not consent to. As this breaches 15 USC 1681c-2, I ask that you promptly delete them.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have seriously disrupted my life, resulting in considerable stress and XXXX As a victim of identity theft, I never authorized this information to be associated with my name.
Product: Bank account or service

Chase Bank did not issue me " Chase XXXX '' and I did not have any " Welcome to Chase Mobile! " Log On and Enroll '' In addition, I did not get a new debit/checking account from Chase Bank, so I did not hear from anyone brings me check and did not pick up me bringing to XXXX XXXX XXXX or any place. I must be most upset for a long-waited for new banking account for debit/checking and I must disappointed with unable received a cash reward credit card. I did not happy with previous details that I had explained before complaint filed against Chase Bank for their refusal serves me with Chase Bank, so they still neglected against me with deaf and other reasons due to my protection privacy requests. Totaled Unresolved Problem with these above, did not hear from them. I am not happy with XXXX XXXX XXXX continually at requests to be printed record with CFPB at request.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

harrasing letters and calls from this debt collect to collect a debt I dont owe
Product: Debt collection

Elan Financial Service closed my account and sold the debt to multiple debt collectors to collect. After about 6 months they reported to the 3 credit bureaus that the account was still open in order to refresh the account date. This is in fact illegal to do so after the account was discharged especially after the account was sold. I then received a letter yesterday stating that I was one of the 3.2 million Americans impacted by the data breach and in the letter it stated that my information was extracted from Elan Financial Service site. This wouldn't of happen if they did not refresh the already closed account and keep my information in there system. My information is now all over the dark web from my birthday, social, telephone number, email etc. Because this company double backed and wrote off the debt and still tried to collect the debt while refreshing the account date with all 3 bureaus my private information was extracted from the data breach. I am now receiving phone calls from XXXX. This has been going on since XXXX and I did not know why until now. I would like the Elan Financial Service account information removed from all 3 credit bureau sites/credit report along with some kind of identity theft plan. I can provide all this documented information if need be. Thank you for your time and patience, have a blessed day.
Product: Debt collection

I am a victim of XXXX XXXX. I did not open this account and have requested proof of signature.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I was recently a student at a college I no longer attend. I feel as if they mishandled me and discriminated against me. I have {$1000.00} to owe this bank as a charge off. There were fraudulent charges and activity in my account that I had no knowledge of. And my account owed this large amount. I was even told by fraud department that this school branch in XXXX, MO should have closed my account a long time ago if there was suspicious activity and open a new one, instead they just kept it alive. I have been mishandled and feel discriminated against. I do not want a closed account on my XXXX  as that can cause problems along the way. I want to be able to possibly open a new account with this bank in the near future or any other bank for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint serves as a formal notice that you have failed to respond to my dispute letter of ( XX/XX/22 ). I sent this letter via the CFPB online, and certified mail. 

As you are well aware, federal law requires you to respond/complete within 30 days. It has now been over that period since the receipt of my letter. As you are aware, failure to comply with federal regulations is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am maintaining detailed records of all my correspondence with you. 

I am sure this was an honest oversight, or you just misplaced my letter due to the high volume of requests you receive daily. In any event, Im sure youll want to handle this matter immediately. 

Please reference my original complaint CFPB case # : ExperianXXXX : XXXX ACCOUNTS TO BE IMMEDIATLEY DELETED : 1. Original Creditor is - Unknown - Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX. Original creditor is Unknown - Acct Name : XXXX XXXX XXXX, Acct # : XXXX* 3. Original creditor is XXXXXXXX XXXX  - Acct Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX ; 4 . Original creditor is XXXX XXXX XXXX  XXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. 

5. Original Creditor is XXXX XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; 6. Type of Account : XXXX XXXX XXXX Public Record : Ref Number : XXXX Also provide me with an updated copy of my credit report after deletions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-off account referenced below as it is erroneous. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$27000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX minutes ago ) to me I am writing to seek your assistance regarding an issue with my Chexsystem report that is affecting my ability to open a bank account. 

Recently, I attempted to open a new bank account, but my application was declined due to a negative entry in my Chexsystem report. Upon investigation, I discovered that a negative account from XXXX XXXX totaling {$280.00}, was reported in XXXX. I promptly addressed this matter and paid the outstanding amount on XX/XX/XXXX. 

According to my research, I understand that Chexsystem typically updates accounts within 30 days after the resolution of such issues. However, it appears that my account has not yet been updated, which consequently led to my second unsuccessful attempt to open a bank account earlier today. 

I kindly request your assistance in ensuring that my Chexsystem report is updated accordingly. This has been a recurring issue despite my previous attempts to resolve it, and I would greatly appreciate your intervention in facilitating a timely update. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.