23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY   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 there is a debt from CHOICE RECOVERY  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 to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than CHOICE RECOVERY is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a 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 perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, ACCT. BAL : {$16.00} ( this bill has been paid through health insurance ) 2. ACCT. NAME : XXXX  XXXX ACCT. BAL : {$40.00} ( this bill has been paid through health insurance )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability.

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 
I have not placed requests for credit with the below organizations and have no active trade lines with them.
Product: Mortgage

I have been making payments on my home mortgage for 15 years and never been late on a payment. When a balloon payment came due, the current service provider told me that I would have to pay the amount in full, or they would foreclose on my home. I could not obtain the large amount of money needed to pay the loan, so I sought to refinance. Select Portfolio Services ( the service provider ) told me they could not refinance the property, that the only option I had was to pay it in full or default and lose my home. 
I finally found a company that would refinance for me, and began to ask SPS to provide me certain documentation in order to complete the process. It has taken over three months at this time, and it still is in process. The mortgage changed providers numerous times, and along the way it changed from XXXX as the lien holder to XXXX who apparently owns the lien. When I finally got to the point where we could close, the title company obtained a copy of the title on the home, and it showed XXXX as the lien holder. Since all the supporting documentation showed that SPS was servicing the loan for XXXX, the title company asked that SPS provide a document showing that the lien changed hands from XXXX to XXXX, but SPS refuses to do this. I 'm suspecting that there may be no proof of who owns the loan, since SPS can not provide me with any documentation of this simple fact. I called XXXX and they said they had no records of the loan. I called XXXX and they also told me that there was nothing in their records. SPS insists that they have to say that because SPS is the service provider, and only they can divulge information. I should have been able to close on this months ago, and because they will not assist me, I am now behind in XXXX payments and it will soon begin to affect my excellent credit rating. My mother ( who dwells in the home ) receives almost daily calls from SPS asking for payment and threatening to evict her if payments are n't submitted. She obviously is very upset about this, always in tears and being an elderly woman with serious health problems, this is stress that threatens her well being. I just want to close on my refinance, payoff this mortgage and cut all ties with this company. Can they legally prevent me from moving forward by not supplying the necessary documentation? Are n't I entitled to this information? What can I do to hold them accountable?
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX, Transunion, LLC, XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, Consumer, severe financial distress, causing him to be unable to extend credit. This account needs to deleted and permanently removed from the Transunion and XXXX credit file of XXXX XXXX, Consumer.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. 
Thank you for your prompt attention to this matter. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of transunion inquiry issue. I have called them to try to resolve issue but customer service was no help. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle, XXXX XXXX XXXX used at XXXX XXXX XXXX of XXXX, XXXX XXXX Unfortunately the products and services I purchased were not installed on the of purchase and as of today. These fraudulent fees the salesperson added to my finance total contract. Despite paying for add-ons, and services such as Advertising price {$14000.00} a service contract with a company XXXX warranty XXXX {$2100.00} and insurance product, gap insurance, {$890.00} Anti-theft deterrent device called XXXX, which the company presented me proof that this device was never installed or used on this vehicle. {$790.00} Fraudulent claim to have a surface protection product XXXX was never placed on the vehicle. {$590.00} Fraudulent claim to have put XXXX in the tires tested negative for XXXX in tires {$170.00} The dealer never provided or installed any of the products only changed fees. 
By recently learned that the car salesperson who assisted me with the purchase of my vehicle engaged in fraudulent behavior by adding products, services, and device fees to my contract amount of {$21000.00}, to which the dealership never installed. This dealership has violated several laws, including section 15.1605, section 15.1635, etc I am deeply concerned that I have been taken advantage of and do not wish to continue with this contract under these circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My purse was stolen on XXXX XXXX, 2017, and someone on XXXX XXXX, 2017 went to a WELLS FARGO Bank branch with a Withdrawal form filled with my information and even with my signature falsified and the teller authorized the withdrawal from my saving account in the amount of {$800.00}, I have a copy of that transaction in my hand with all that information.
Product: Checking or savings account

Our computers were compromised on XX/XX/XXXX. Someone accessed our checking account and made an unauthorized fund transfer of {$1000.00} through XXXX. We do bill pay but do not use XXXX. Reported the fraudulent transaction to Wells Fargo security the night of XX/XX/XXXX. We have been in touch with them and have a case number. We received a letter from Wells Fargo stating that they have concluded their investigation and closed the claim. They claim that the transaction was made through a secure online banking session by us or someone who had our authority and that no other processing errors occurred. The account number quoted by the bank is a non-existing account and is not an account number that matches any of our accounts, past or present. We have a reference number for the transaction and the name of the person receiving the funds. They are unknown to us. The account in question was closed and the funds transferred to a new account on XX/XX/XXXX. In light of these actions, the funds should have never been transferred to the person who received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ), has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice on X/X/17 that Equifax experienced a data breach and that my personal information may have been affected. The notice informed me that I am eligible for 1 year ( 12 months ) of free credit/identity fraud monitoring. This is insufficient. If I now know that my data and that of 143 million other people is going to be monitored extra closely for 12 months, then the criminals who stole my data now also know that they should wait 12 months before using my data to steal money and commit fraud. How is 12 months of monitoring sufficient? I am very upset.
Product: Debt collection

From or around XXXX of XXXX I wrote a dispute letter to a collection agency ( Mullooly Jeffrey Rooney & Flyn XXXX ) pertaining to an unknown debt that does not belong to me. ( Case # XXXX ). In my letter I informed them that I dont owe XXXX  XXXX XXXX any money nor do the above acct belong to me. ( Plz see Ex-A ). I also instructed them to cease collections until the alleged debt is verified. 

From or around XX/XX/XXXX oXXXX XXXX I sent a follow up letter to the same collection agency to inform them that they never verified nor validated the above unknown debt that doesnt belong to me. ( Plz see Ex-B & ( b ) ). 

Too date, Mullooly Jeffrey, Rooney & Flynn XXXX, never validated the unknown debt and they are in violation of the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ). 

The above firm is still reporting false information to all 3 credit agencies ( Plz see Ex-c ). The false information that they are reporting stopped/interfered with me being able to receive any business funding, refinancing for my home which is now foreclosed, personal loans to help during the pandemic and valuable jobs which consists of a good credit scores etc for hire. 

I am now seeking legal remedies with all applicable agencies identified in FCRA 15 U.S.C. 1681, as well as pursuing civil actions.
Product: Debt collection

on or around XX/XX/22 I received a letter from I.C. System INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regrading a claim that I owed a debt for a XXXX XXXX account XXXX The letter clearly states that " how can you dispute the dispute the debt? '' call or write! so I called before XX/XX/22 a spoke with a rep ( did not get her name ). I gave her all my information and was told there was a {$650.00} debt from some address in XXXX  I told I never leaved or been to XXXX I have never even had XXXX I have no knowledge of this debt and I want to dispute it in its entirety. she said okay. Today they have attacked my credit by reporting it to collection trying to cause financial harm, XXXXXXXX stress, and false character XXXX. This is not my debt there is nothing that links me to this account and on the letter they sent me my name is even spelled wrong and name I've used. I spoke with them today and was very upset, because this is a waste of time, money and resources. I will look into legal action because this is not right, but I want to place them on notice with some kind government regulatory to help stop them from doing this to other.
Product: Prepaid card

i bought the prepaid card for online purchases, i have tried to use it multiple times and it keeps getting declined, i tried to take my money back at an atm and it was declined and i was charged a fee for it being declined at the atm. i tried to rectify by calling the customer service number but there is no way to talk to a person to fix the problem, it is only automated replies, i went to their website to get answers and tried to use the chat feature, i got an XXXX chat bot that eventually told me to call the customer service number because it could not connect me to a live agent. and of course the customer service number doesnt allow you to talk to a live agent either, so i sent an email and the response said to call the customer service number. i just want to use my card for online purchases but it wont allow, also when i went through the account verification process on their website, it said there was a problem with the verification and to call the customer service line to fix it, again not any way to fix or talk to a live agent on the phone, this is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Last year, I noticed several accounts on my credit report that simply didn't belong to me. I've gone above and beyond, reaching out to each creditor tied to these suspicious accounts, trying to clear up the confusion between their records and mine. I've also sent numerous letters to Equifax, XXXX XXXX, and XXXX, all via certified mail, asking them to correct these errors. But despite the law giving them 30 to 45 days to fix things, they've dropped the ball. It's like they're not even playing by the rules set out in the Fair Credit Reporting Act ( FCRA ). 

Because of their negligence, I'm stuck in a rut. I can't get a loan, buy a house, or even finance a car. It's frustrating to feel like a second-class citizen just because some bureaus can't get their act together. So, I'm left with no choice but to take legal action against each of them. Their failure to follow the law and give me the help I need has put me in a tough spot, and it's time they're held accountable for it. '' Their failure to adhere to the requirements of the FCRA is gross negligence. This treatment has been a horrible experience for me. Pursuant to my rights under the FCRA, I will be filling a lawsuit within this week.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX these bureaus are reporting unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Other financial service

I was told that I pay them a certain amount and my student loan would be forgiven, was contacted by XXXX and they stated that, not true never heard of the company and i been paying them sine XX/XX/XXXX, monthly since. And nothing has been paid towards the loan. Also that a student loan is never forgiven, so I been paying them, thinking it would be paid off, tried calling have to leave MSG for someone to call back. The company name is Equitable Acceptance Corporation, XXXX, MN XXXX
Product: Vehicle loan or lease

There have been repeated assignments and violations the fair debt collection practice the Fair Credit Reporting Act and stop using the street name XXXX XXXX. 
This is a debt collection company, and they will do and say anything in order to collect the debt they will not validate a debt by signing stating under the penalty of perjury that they are do anything for buying a debt that is XXXX of the violations.
Product: Debt collection

XX/XX/XXXX XXXX $ Original creditor name : XXXX XXXX XXXX Placed for collections XXXX XXXX XXXX I have never had XXXX XXXX XXXX I contacted XXXX XXXX systems and they ask for my social I did not give it to them I gave them basic info and they said based on the info givin they was not able to pull it up. 
I found out about the collections on XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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 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.