23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have currently been trying to get a loan for a new house, and working hard to get my credit to a good spot. My loan officers transferred me to a credit specialist on XX/XX/2017 and told me about a collection to try and take care of and that would need to be deleted off my account after it was payed. I contacted this company on XX/XX/2017 and asked to pay off this debt but to have it deleted not just to have it shown derogatory payed. The company enhanced recovery told me that would not be possible. So all Im trying to do is pay this off and have it deleted, also this is apparently for XXXX XXXX for equipment that was not returned. I sent that equipment back so I am not sure what I am suppose to do about that either.. in the end though I would just love to have this off my account making it negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

its showing on my report that I have a debt collection with a company that brought a debt with XXXX XXXX Bank car loan, LVNV FUNDING is reporting that this debt was not paid, I called the company that manage this reporting and they could not find my account because it was paid off last year. I called XXXX XXXX about this and they sent a statement that the debt has been covered.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently discovered that my personal information was exposed in a data breach, resulting in inaccuracies and negative entries on my credit report. I am requesting that all incorrect or fraudulent items be removed promptly from my credit file within the 30-day dispute resolution period.

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Equifax , Inc 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 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number : XXXX ( XXXX XXXX XXXX XXXX ) Dear XXXX, I am writing to bring to your attention a serious matter related to my consumer rights, which, i believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt. 2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties. 3. The contract bearing my explicit signature, thereby establishing my liability towards the debt. 4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I've tried to get them to correct the information on my credit report for multiple of the collections. They are not consistent across the 3 credit bureaus and do not hairy the right amounts or dates.
Product: Debt collection

This XXXX XXXX XXXX is saying i owed this bill of {$330.00} for several months now. I tried leaving a certain person a message there several times who originally called me about this debt and they didnt respond back to me on this matter. I tried to get my insurance provider to pay this bill but they apparently did not which was XXXX XXXX. So this recently got sent over to collections for an amount of {$XXXX} which is more than the original bill. 
The collections company is Budget control services , inc . 
XXXX, CO. XXXX
Product: Debt collection

Columbia Debt Recovery LLC DBA Genesis has engaged in practices that I consider to be harassment. This includes excessive phone calls all throughoutthe day, every hour, threats. These actions violate the FDCPA 's provisions against harassment and abuse. 

I believe that Columbia Debt Recovery LLC DBA Genesis has violated my rights under the FDCPA and Georgia state law. I respectfully request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action to ensure that my rights are protected and that Columbia Debt Recovery LLC DBA Genesis complies with all relevant laws. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

Complaint is all funds and moneys promised and reported to be returned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my payroll was compromised cashapp confirmed. Reported as returned. They didnt return anything to me Each time I called I was told they are working on it. Working on my last nerve
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, XXXX " Step Forward Michigan '' paid my back taxes through a program created by the state. The mortgage company Beneficial Mortgage ( HSBC ) agreed to include my taxes and insurance in an escrow account. The amount included Principal {$390.00}, Interest {$220.00}, Escrow {$750.00}, to be paid each month at 2 % interest until the year XXXX. The total monthly payment {$1300.00}. During XXXX ( HSBC ) sold my mortgage to XXXX XXXX and on XXXX XXXX my payment increased to {$1600.00}. I was informed that ( HSBC ) did not pay the taxes and a balance of {$6600.00} was owed for taxes. I was also informed that there was an outstanding balance for home owners insurance. ( see attached documents ). I was also unaware that ( HSBC ) charged me {$4100.00} for property insurance in XXXX. The XXXX from XXXX XXXX showed that interest was paid but left blank taxes for the year XXXX. Therefore I was unable to claim a deduction for the year XXXX on my tax returns.
Product: Debt collection

In XXXX, I discovered that a business loan was incorrectly reported on my personal credit report by TransUnion. Not only is this a business-related debt that should not be on a personal consumer report, but it also appears to be linked to the wrong individual. 

I first disputed this error with TransUnion on, stating that this debt does not belong to me and requesting its immediate removal. However, TransUnion failed to correct the error and is now falsely claiming that I disputed the account by mail, when in fact, my dispute was submitted online. Additionally, the dispute dates they have on file are inaccurate, which raises serious concerns about fraudulent activity on my account. 

I believe someone may be impersonating me and attempting to commit identity theft, as I have noticed other suspicious activity in my life. TransUnions failure to properly investigate and remove this fraudulent information is not only negligent but also a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure accuracy and security in reporting. 

I have submitted multiple disputes and providing documentation that this debt does not belong to me. Yet, TransUnion continues to wrongfully report this account under my name, causing harm to my credit and putting me at further risk of financial fraud. 

I am filing this complaint because TransUnion has failed to take my concerns seriously, and I demand immediate action. I am requesting : The immediate removal of this incorrect account from my personal credit file. 
A full investigation into why false dispute information was recorded under my name. 
Confirmation in writing that this issue has been resolved. 
Failure to correct this issue will leave me with no choice but to escalate this matter further. I appreciate your prompt attention to resolving this fraudulent and damaging situation.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX Billed for {$320.00}, NOT MINE. 
Paid XX/XX/2023, check XXXX {$500.00} Paid XX/XX/2023 check XXXX {$180.00} That is all I owe. The charges : XXXX on XXXX for {$130.00} XXXX XXXX XXXX XXXX on XXXX XXXX XXXX for & XXXX XXXX XXXX XXXX on XXXX in XXXX XXXX  for {$8.00} XXXX XXXXXXXX XXXX XXXX  for {$49.00} NOT MINE Please get this straightened out. I have been dealing with this since early summer.
Product: Credit reporting or other personal consumer reports

I think under FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you look over the documents? Some accounts have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$5100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complain is about EXPERIAN CREDIT BUREAU. 

Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Make of car : XXXX XXXX : XXXX XXXX XXXX XXXX # : XXXX This account is reporting as a repossession on my EXPERIAN credit report with so many inaccuracies. 

The amount reported owed by the creditor on this account is {$8500.00} as of XX/XX/XXXX. 
However, Experian confirmed that the balance owed as of XX/XX/XXXX is {$11000.00} which is different from what the lender says I owe. 

Also, this account has been deleted off my XXXX credit report and currently showing {$0.00} balance owed on my XXXX credit report. 

I have disputed this account to be deleted off my EXEPERIAN credit report but EXPERIAN came back with a resolve yet again, updating my account the balance owed of {$11000.00} as of XX/XX/XXXX which is different from what they previously reported above. 

This is negligence, the reporting is inaccurate and should be deleted off my account.
Product: Credit reporting or other personal consumer reports

My HIPAA rights were violated when the hospital sent my diagnosis and treatment information to the debt collection agency, XXXX XXXX XXXX XXXX ( formely know as XXXX XXXX XXXX XXXX ), without my explicit consent. Under the Health Insurance Portability and Accountability Act ( HIPAA ), healthcare providers are required to protect the privacy and security of your medical information. Disclosure of sensitive health information, such as your diagnosis and treatment details, to third parties like debt collectors, must comply with strict regulations ensuring confidentiality. By sharing this protected health information ( PHI ) without proper authorization, the hospital breached my privacy rights, exposing me to potential misuse of my medical data and causing undue stress and concern about the security of my personal health information. I asked XXXX XXXX XXXX XXXX to remove those 3 items from my Equifax report but was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address listed as current is fraudulent. Also, there are open accounts I did n't open. There are also hard inquiries I did n't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA XXXX XXXXXXXX account number XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A States A consumer reporting agency may not furnish an account without my written instructions.
Product: Credit card

Regarding my previous case ID XXXX complaint with Citi Bank XXXX which I submitted to CFPB with case ID XXXX, I received a response from Citi Bank stating that my case was resolved in my favor and a credit of {$610.00} was issued. However, I only received {$250.00} in reality. Despite engaging in discussions with Citi Bank for over three months, they have refused to pay me the outstanding amount. I will also attach a screenshot of the dispute resolution and the final letter I received from Citi Bank.
Product: Debt collection

There is a company that just listed a collection on my credit file whom is ERC trying to collect for XXXX XXXX. I fought this with a prior agency XXXX I do NOT owe XXXX anything. Please help this is out of control.
Product: Debt collection

This organization is in violation of credit reporting-derogatory payments were reported during the pandemic, which i've endured XXXX and suffered also suffered a debilitating stroke-I had to relocate to an ENTIRELY different state to live with family and am now on XXXX. During that time I was hospitalized. and NOT working, and not even living there, I'm baffled as to why i would have to pay, apartment manager at the time was well aware of my situation. I have disputed through XXXX but they would not remove. Please see proof of medical documentation, XXXX and nutrition assistance. I have filed a complaint with the California Attorney general as well.
Product: Credit reporting or other personal consumer reports

This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times concerning an inaccurate account from XXXX XXXX claiming a repossession on my credit file. Equifax has reported this accounted verified and accurate. However Im baffled as to how have they verified this account when the company XXXX   can not verify this account with me.Im very unhappy at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my 6th letter to your company. I know the FCBA allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 
Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. when was this alleged repo, how much was the car then later sold for, what was the original amount due? What documents have any representative from Equifax reviewed that sufficient to be legal binding documents proving this alleged account. According to the FCRA, you have to tell me how you verified the account above. You have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. This account is INACCURATE!! Based on the FCRA and my counsels review of the FCRA and all of the letters sent to you and received by you, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
Product: Credit reporting 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 you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am currently 12 days past due on my car payment. The day my car payment was due I called from a co-worker 's phone to advise my finance company of the exact date I would be able to pay. ( exactly 13 days from my due date ) I clearly informed my finance company that I was contacting them to keep them informed and I had no previous due balances. I informed them that I was letting them know so that no collection attempts were made. They are repeatedly calling my coworker, friends, and family to try to collect my car payment, and the day that I promised to pay has n't lapsed. Yesterday they called my coworker back to back 5 times in a row until she answered the phone and informed them to not contact her again otherwise she will press charges for harassment. They are embarrassing me to all of my friends and family and I 'm currently only 12 days late on my payment. This has also happened in the past when I needed to pay late. I 've never paid my bill later than 14 days past due. This is clearly harassment. They will text if no one answers the phone even after I 've requested to never be communicated via text. They are claiming to my friends and family that I have not communicated to them when I 'm going to pay, and they are stating that they are just trying to help me, however there is no help that they could give. I have asked to be switched to a monthly payment instead of a payment every 2 weeks, which would be helpful, however they are unwilling to do so. I am still planning on making my payment as promised however they will not cease with the embarrassing phone calls to my friends and family. I have requested that they never call my friends and family again in the past due to their embarrassing and harassing behavior and they continue to do so if I 'm ever late for a payment. I would understand the calling if I were months and months behind however they do this starting 3 days after payment is due whether I contact them or not. This can not be legal!