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

After several attempts over extended periods of time where the credit reporting agency has had plenty of chances to correct their errors, they have not. Furthermore, they continue to violate my rights as a consumer and have cost me the fair opportunity to accurate credit reporting. I am now submitting my request for payment of these violations and blatant proof of their deliberate ignoring of the laws. I attached proof of laws that are being violated along with the accounts. Please assists me in putting an ending to this matter. 

Attached is my formal requests along with before and after most current investigation request results.
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
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 for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
Product: Debt collection

On repeated occasions I have dealt with the rudest, most offensive and really scary abusive verbal abuse of the Kinum representative. He has repeatedly called and told me 'I 'm running away from my problems ' 'He has the authority to put this on my credit ' He has also mentioned my daughter name and where I work. This man scares me. He has assumed the debt is valid and it isn't.
Product: Credit reporting or other personal consumer reports

I would like to follow up and formally express my continued frustration and disappointment with the unresolved issue of fraudulent items on my credit report, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, the fraudulent items persist on my report. This ongoing issue not only undermines my financial credibility but also reflects negatively on the accuracy and integrity of the credit reporting system. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. I have previously submitted all necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : The persistence of these inaccuracies is causing significant stress and has a detrimental impact on my financial stability. I request that you would help me conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter and to receive written confirmation once the corrections have been made. 
Please help me remove these items immediately : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX ) TO XXXX THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY XXXX  CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED XXXX, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # XXXX.
Product: Credit reporting or other personal consumer reports

Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX CREDIT BUREAU NAME XXXX Credit bureau ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. 
XXXX, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXX XXXX XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

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

Date open XX/XX/XXXX Amount {$11000.00} past due. 

I do not live here! I broke my least back in XXXX and they still charging me and I dont live there nobody lives there. And I call up there & tell them to stop charging me if I dont live there because how can yall charge me rent if I broke my lease and nobody lives there. That amount is wrong too! I never owed yall I been payed my last rent & left. This place is a scam. Remove my information off this!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted XXXX who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX XXXX XXXX. I contacted XXXX with XXXX XXXX XXXX  on XX/XX/XXXX who advised XXXX should have the history of my loan and to give them a call back. I have spoken to XXXX from XXXX who advised she can not view this information and I would need to contact my previous loan company. This company was XXXX XXXX XXXX  who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.
Product: Credit reporting or other personal consumer reports

Someone rented an apartment in my name using a photo of my license and my social security card. They created fraudulent paystubs to verify income. And received an eviction with an almost {$10000.00} balance. I have used Experian Dispute Center to dispute this multiple times, to no avail. I also contacted the apartment management multiple times to dispute this as well. The signature does not meet mine, as I also moved into my own apartment around the same time.
Product: Debt collection

Received a phone call at XXXXXXXX XXXX XXXX last night on my cell phone, from the following number : ( XXXX ) XXXX the caller ID said SWC Group XXXX It rang 4-6 times, then stopped. Did not leave any kind of message. When I dialed the number back, I got an automated message, that says Your call could not be completed as dialed. Please check the number and dial again. I looked up the name of this company online, on XXXX XXXX, as well as on XXXX, and found numerous complaints against it as a collection agency. I noticed that much of what they do collections for, is for things like utilities, education loans, etc. To my knowledge the things that they do collections for I have never been involved in, and any student loans that I have had, are 100 % paid off! 
I have gotten ahold of an attorney in regards to this, in an attempt to find out why theyve contacted me, and to get them to stop. I've even submitted a complaint form to the XXXX XXXX XXXX ( case ID # XXXX ) contacting this company by e-mail, with a cease-and-desist letter to get them to stop contacting me. I have absolutely no idea who this company is, and I have checked all my financial records, as well as credit reporting sites, and have absolutely no outstanding debt. As I stated before, the complaints have seen on XXXX XXXX, and elsewhere online or that they're trying to get people personal information, financial information, and have been accused of violating the FDCPA. 
I want it stated again, that to my knowledge, I have nothing, and I mean nothing in the way of any outstanding debt, and I want this company to not have ANY contact with me whatsoever!
Product: Credit card or prepaid card

On XX/XX/19 I was involved as a victim with a gift card scam. I was told by scammers I was under a federal govt warrant for my arrest for social security identity fraud and the distribution of XXXX in XXXX XXXX, Tx. This set the stage for the fraud perpetrated against me. {$7000.00} worth of gift cards were bought by me at XXXX XXXX and XXXX because they told me at the time they were federal agents and my social security number would be canceled. These gift cards were then to be taken to the SSN office the next day so I could have money during their investigation. US Bank credit card was used by me to get these gift cards. US Bank denied offering credit since it was a fraud and I had authorized the charges. I disagree strongly with this assumption stating I felt ad if I had a XXXX to my head as I was being kidnapped for almost 5 hours and I went to store ATMs to get the cash they wanted. My attorney gave me this option to see if US Bank would reconsider and offer the credit. I am a retired businessman who has been with US Bank for over 14 years. A police statement was given and a call to US Bank were made the night of this tragic and very stressful night. Please help!! Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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

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

Account : XXXX XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX - Account # XXXX This account is being reported inaccurately, please remove this from my credit report immediately. 


XXXX XXXX - XXXX - This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Student loan

This company did not send me a 1099c form before placing this negative entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

Looked at report accounts listed unrecognized are NOT MINE. Credit accounts do not pertain to me.
Product: Debt collection

Formal Demand for Statutory Damages for Violation of Florida Consumer Collection Practices Act. 

I am writing to bring to your attention a violation of the Florida Consumer Collection Practices Act ( FCCPA ), specifically, Section 559.72 ( 17 ), which prohibits communication with a debtor outside the hours of 8:00 a.m. to 9:00 p.m. without prior consent from the debtor. 

On XX/XX/XXXX, at XXXXXXXX XXXX., and on XX/XX/XXXX at XXXX XXXX., I received a payment reminder email regarding my account ending in XXXX. This communication was sent outside the legally permissible hours and without my prior consent, in clear violation of Florida law. 

Under the FCCPA, consumers are entitled to statutory damages of up to {$1000.00} per violation, in addition to compensation for any actual damages incurred. As a result of this unauthorized communication, I am formally requesting the following : Payment of statutory damages of up to {$1000.00}, as allowed under the FCCPA for each of these violations.

Immediate assurance that all future communications will adhere to the legal requirements set forth by the FCCPA.

Written confirmation that this violation has been acknowledged and addressed within 15 days of receiving this letter.

Failure to respond to this request within the specified timeframe will result in further action, including but not limited to filing formal complaints with the Florida Attorney General 's Office and/or pursuing legal action to seek statutory damages and any additional compensation for actual damages and attorneys fees.

I hope to resolve this matter promptly and amicably. Please confirm in writing that you will take the necessary steps to ensure compliance with the FCCPA going forward. 

Thank you for your prompt attention to this issue.
Product: Vehicle loan or lease

Exeter Finance XXXX XXXX XXXX XXXX, TX closed my vehicle loan and reposted vehicle account during Pandemic COVID-19 situation. I had informed them about my employment was interrupted due to COVID-19. The finance company refused to take a flexible approach that would assist me and my account that would allowed me to remain current on this account and maintain the account to be opened.
Product: Money transfers

I initiated a transfer of funds from two CD IRAs I had at Discover Bank to my XXXX account as I am close to retirement. XXXX submitted the requests within the grace period following the maturity of the CDs. I received over several months numerous calls from Discover Bank stating the transfer paperwork was wrong. My financial advisor contacted Discover, made whatever changes they required, and resubmitted the documents to their IRA department. After several months of trying to get the CDs tranferred, during which time I continued to receive calls from Discover Bank saying the transfer papers were not completed correctly, I spoke with a supervisor on XXXX XXXX who, after researching my account, told me that Discover was calling me about the initial submission and that he had no record of subsequent submissions. As my financial advisor had recently resubmitted all the paperwork and sent it overnight, I insisted he look further. He told me that he did finally find the most recent paperwork, and that the phone calls I was receiving were in response to our initial submission. The transfer went through but Discover assessed me penalties for early distribution of funds in an amount in excess of {$1000.00} based on their contention that the money was transferred after the grace period. After numerous calls, during which I explained that Discover Bank was responsible for the delay ( something that the supervisor I spoke with admitted to ) they told me they would not extend any consideration to me and would not refund the penalty fees. In addition, they were unwilling to provide me with a copy of my initial contract in which they claim they informed me of their penalty policy. After researching reviews of Discover Bank, I see that many people complain of the exact same situation : Discover Bank failing to process transfers of money to other accounts, and assessing excessive fees for doing so. What I initially thought was incompetence I now strongly suspect is a deliberate strategy to delay transfers and then XXXX excessive fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a Bankruptcy dated XX/XX/2017 this bankruptcy has nothing to do with me and should not be on my credit report with experian. 
Experian verifies Bankruptcies thru XXXX. However my XXXX report shows no bankuptcies.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and erroneous information being reported on my credit report by XXXX XXXX and a third-party collection agency TruAccord regarding the same alleged debt. This letter serves as a demand for immediate removal of this inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and other applicable consumer protection laws. 

Inaccurate Reporting and Multiple Debt Collections : According to the FCRA, credit consumer agencies are required to report accurate and verifiable information. I have discovered that XXXX XXXX is reporting a debt under their name, while simultaneously, a third-party collection agency XXXX is contacting me for the same debt. This constitutes duplicate reporting and is inherently misleading and inaccurate. 

Consumer Laws Against This Practice : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section mandates that information furnishers must not report inaccurate information to credit reporting agencies. The existence of two entities reporting the same debt is a clear violation of this provision.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : This statute prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Reporting the same debt multiple times misleads and deceives the consumer and potential creditors. 
Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ) : Under Florida law, it is illegal for a debt collector to assert the existence of a legal right that does not exist. Attempting to collect the same debt through multiple agencies violates this statute and causes undue confusion and harm to the consumer. 
XXXX XXXX continues to update my consumer report on a monthly basis, which constitutes ongoing harassment and an attempt to re-age the debt. This practice violates the FCRA, which requires that only accurate information be reported. 

I am demanding the following actions be taken immediately : Complete Removal : Remove all references to this disputed debt from XXXX XXXX from my consumer report across all three consumer reporting agencies ( XXXX, XXXX, and TransUnion ). 
Cease Monthly Updates : Ensure that no further updates regarding this disputed debt are made to my credit report. 

I expect an investigation into this matter and a resolution within the 30-day time frame as stipulated by the FCRA. Please send me written confirmation once these items have been corrected
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 : 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  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.