23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC 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 CHOICE RECOVERY INC 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 protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party.

Validation of Debt, and HIPAA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease 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
Product: Debt collection

I received a call around XX/XX/year> about the debt and before I could say I was me the person said my last four fights of my social security number my sister even heard her. It was awful because I was young when this happen but why say my social what if I wasnt the person she was calling for.
Product: Debt collection

I have checked my credit report be I notice there is a collection that I have been disputing for a while now and I have not got validation or verify documents that I requested it seems try been ignoring my request under law they are required to vetoed if not deleted from my credit report under section XXXX they need to verified who and when they verified the document
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX 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.
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. Has Violated my rights. 


1.XXXX XXXX/ Account Number # XXXX 2.XXXX XXXX XXXX  /Account Number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute several hard inquiries that have recently surfaced on my credit report, which I obtained from your agency. Upon a careful review of my credit history, I have identified specific hard inquiries that I believe to be inaccurate and request their prompt removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted Sentry Credit in writing to discontinue reporting the fraudulent collection account to my credit report as you are in violation of FDCPA. On XX/XX/2023 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account. To date, Sentry Credit nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, Sentry Credit, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts and sent a copy to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection accounts and any inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted what i felt was ample support to dispute XXXX / XXXX XXXX {$560.00} XX/XX/2020 I do not know it unauthorized I also contacted XXXX   XXXX XXXX XXXX as fraud error I do not recall these charges fraud unauthorized I now have IdentityTheft.gov assoting and submit follow up to Credit reporting services Experian and XXXX
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the inaccurate items from my file caused by incorrect credit information. However, there are still items that need to be addressed. I am disputing an inquiry in my credit file that resulted from incorrect credit report details. Here is the Identity Theft Report # XXXX. According to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information resulting from alleged identity theft within four business days upon receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. 
EXPERIAN : XXXX XXXXXX/XX/XXXX4. Please note that you have four business days to remove these items from my credit file. I do not consent to XXXX or any means of automated verification.
Product: Mortgage

In a letter dated XX/XX/XXXX, SLS informed me that there had been a re-assessment of the escrow account. It stated that my escrow amount would change from {$390.00} in XXXX to XXXX in XXXX. On page 3 of 4 of the letter, it indicates that this was in part due to a yearly property tax of {$6000.00}. I checked my property tax bill for XXXX, which indicated that the property tax from that year was {$3000.00}. 

It appeared to me that in their re-assessment SLS had double counted the property tax. I suspected this because their assessed amount of property tax was exactly double of the actual property tax amount as found in the property tax bill that I received from the town. In addition, I suspected SLS had made this error as they had previously made the same error when they bought the loan from the original lender. 

On XX/XX/XXXX, I spoke to an SLS representative over the phone and explained the error. He informed me that he would forward my request to the tax department. I did not hear from SLS again. On XX/XX/XXXX, I sent a message over SLS website to inquire about the progress of my request. On XX/XX/XXXX, I received the following message from XXXX Teller ID XXXX : Thank you for your inquiry. Out Tax Department confirmed the amounts calculated for disbursment [ sic ] are correct. There is no need for a new analysis calculation as no change has occurred. 

I therefore seek to correct the error through CFPB in this complaint.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$150.00} with XXXX and {$100.00} with TransUnion and XXXX. Also TransUnion shows a different account number. This is illegally reporting in several ways. Nothing between the 3 credit bureaus is accurate and match up down to the late payments that should not be reporting on a charged off account because it is already late by default. But you have XXXX reporting a payment XXXX of 2023 then XXXX reporting that same month as a charge off. Then in XX/XX/2023 XXXX reports that the account is 150 days late and XXXX reports 120 days late. But again there should be no late payments on a charged off account. I have included the letter from the creditor stating that what they reported is accurate and that any problems after are the fault of the bureaus. I need this removed now. This is a direct violations of my rights and illegal. You are suppose to report 100 % accuracy and this is far from that. 
Account Name XXXX Account # XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX The guy name XXXX XXXX sent me the amount of XXXX by Zelle XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my XXXX bank. 
On XX/XX/2021 XXXX XXXX called me again to ask me to refund money to him, so i call me XXXX bank and ask the XXXX XXXX to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. 
On XX/XX/2021 I check my XXXX bank account and i saw Zelle disputed for another XXXX. So i contact XXXX and they said, they will do the investigation. 
On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. 

So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But Zelle and XXXX still took my money. 

XXXX XXXX never receive the dispute money and the money never deposit into his account. We called XXXX line with Zelle to talk about it but they can not do anything. I also contact XXXX bank multiple times regard this problem but they can not help me. 

Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call XXXX and Zelle with no help at all. 

XXXX and Zelle stolen my money.
Product: Credit reporting or other personal consumer reports

I had my credit report pulled and I realized that someone was using my information and I would like the company to remove the debt because its not mine
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXX
Product: Student loan

On XX/XX/2023, I received an email from my bank notifying me that my credit score has changed. When I checked I saw that my student loan servicer Nelnet raised my credit limit from {$2700.00} to {$7300.00}. 

I was never applied for any credit through Nelnet let alone asked for a credit limit raise. I tried sending them an email from their contact page on the same day and waited five business days for a response. I checked my inbox and spam but did not see anything from them. I also searched my Nelnet account and could not find anything about a line of credit nor anything about Nelnet offering credit. 

Today, XX/XX/2023, I tried calling their number ( XXXX ) XXXX a few times and each time, it never connects. I sent a second email form today but I don't believe they will respond.
Product: Checking or savings account

I have Bank of America Business XXXX XXXX account. It's so difficult to work with this bank- totally inefficient, large, long wait times and good for nothing customer service folks, useless processes. 

Can you imagine, that if one want to send money in and out of this account - there is no ACH? There is no free checks? There is no easy way to setup XXXX. 
How in the world, this useless and totally inefficient bank is forcing the customers to have a debit card to use XXXX - i never heard of that.

Even if debit card is required - enable online debit card order - rather then letting the customer wait for 30 minutes on the chat and 15 minutes on the call. 

Very basic information like account # and routing # is not accessible.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On Thursday XXXX the XXXX I tried purchasing a phone and phone service at a local XXXX XXXX XXXX  store and before I could do so I had to verify my identity for credit purposes. The verification process involved me providing two forms of identification and speaking to an agent on the phone who asked me a few questions to verify my identity. After doing so I was told that the answers I had given didn't match up to the information on my credit history/credit report and therefore I would not be able to complete my purchase with XXXX XXXX XXXX until I could resolve this issue. I do not understand why or how that was even possible but need to know what steps I need to do in order to fix this so that my id verification can be verified and I do not run into this issue again.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Debt collection

This began as an eviction from a previous apartment complex due to my XXXX military registered service dogs being American Staffordshires ( pit bulls ). They claimed they were not aware that they were pits when I moved in despite my presenting copies of thier service registry. There was a neighboring dog which had a chow ( also an 'aggressive ' breed banned by the complex which had initiated an altercation with XXXX on my dogs. I received notifications from Robbinson Reagan and young of XXXX to vacate my apartment which I did after the end of the month and two weeks which covered the deposit I knew I would never receive back and the impossiblity of vacating in the allotted time. I never received any further contact from Robbinson Reagan and young until I received an email from my payroll department at work that they were going to garnish my wages for the following paycheck. I was informed by the civil court that because I had not gone to court to object my only recourse was to submit a slow pay motion and make regular payments. At this time I began to see several secondary collections on my credit report from Robbinson Reagan and young for debts from previous creditors. It seems like they are going through my history and soliciting debts for collections which they are now persueing me for. And now in the last few days I have been recieving calls from another agency called XXXX XXXX that refused to give me any information without verifying several addresses. The person I spoke to was vague at first when I stated that I had received calls from the phone number and then became rude about any indication of what the issue was. I told her to mail me any corespondence and not to call me again.
Product: Student loan

National Enterprise Systems is attempting to collect on my student loans while they are in the process of being forgiven. NES is also adding an XXXX $ collection fee. I have also filed a complaint against XXXX collection agency who is attempting the same thing. That case number is XXXX
Product: Mortgage

I had unexpected XXXX XXXX, 2019 and fell behind on payments when I realized that XXXX payments are erratic. I applied for assistance with Midland Mortgage, and after months of back and forth, I was told that I did not make enough. I returned to work in XXXX of 2019, and reached out to XXXX, and was instructed to reapply using my income, which is {$91000.00}, and that I could also include the money that was given to me monthly by my sister. XXXX, which was an additional {$400.00} a month. In was again told by Midland I did not make enough money. I was told I could appeal and use my pension which I did to day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Debt collection

My bill was never the right amount for each month, it steady kept going up rather than the amount I signed up for. 
XXXX : XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I  'm on an fixed income and i 'm not able to pay the balance. I keep getting harasst from these two phone companies on a daily basis. 
I was told that my bill would n't be on my credit but it did. 

here is the address from the debt collectors AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ( XXXX )
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # XXXX XXXX Bankruptcy. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I received a letter from a law firm stating they found out I was being sued by a credit collection company I wasn't even aware of it, I contacted this company and I asked them why I was being sued when I had an active dispute and had not received an documents pertaining to this debt they said they can do whatever they want, I demand the documents again and asked them to withdraw this suit pending outcome of this debt he said it was up to the legal department but he doubted it. This was a company called portfolio recovery
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX