23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX credit report has an entry for the collection company, VANCE & HUFFMAN LLC for XXXX. They say that the original creditor is a company named XXXX XXXX and that the account was opened in XXXX of XXXX. I disputed this debt multiple times with XXXX, but they haven't removed it. XXXX is the only credit reporting company that includes this entry. I've called Vance and Huffman and XXXX XXXX and requested information concerning this account to be delivered via USPS mail on XX/XX/XXXX, but both companies have failed to send this information. I've researched the company XXXX and found that they are a merchandise rental company and know that I've never used their services at all. This company has also participated in illegal activity and has been fined by cfpb in the past. I would like this entry removed from my credit report managed by XXXX. I've contacted XXXX several months ago and placed a fraud alert on my credit report.
Product: Credit card or prepaid card

I checked my credit score via XXXX XXXX, which indicates I owe a balance of {$190.00} on a Capital One credit card. The problem is that I do not have any account with Capital One. When I spoke to a Capital One customer service representative, she indicated that I do not have any account Capital One. My concern is that this issue is resolved, and that no fraudulent account exists on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently started taking steps to repair credit started out with credit karma ( free ) saw a few results moved up to the big 3 trans union XXXX XXXX for more detailed and accurate reporting so they said had disputes not properly investigated numerous inaccuracys they knowing and willing gave me misleading information which worked against me.mislead into applying for lines of credit from lenders they recommended knowing that I had know chance of approval or just to make money of of my information but I have documentation to support any and all claims. Honestly all 3 and companies associated with them this is clearly a unified effort and culture
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for a total permanent XXXX discharge and was approved I've been noticing that XXXX was reporting over late payments over 190 days in accurate information I called XXXX and advised me that it was sent into default in XX/XX/XXXX was advised to call XXXX XXXX XXXX and was advised that my discharge status is in good standing and provided me a letter from XXXX XXXX XXXX. The XXXX XXXX XXXX said that it's the credit be reporting inaccurate information they have been doing this for years, and I'm XXXX I have a total permanent XXXX discharge and shouldn't be on my credit as inaccurate. I also can provide letter from XXXX XXXX XXXX stating of the incorrect information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4.The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

After reviewing a copy of my credit report, I noticed a collection five accounts placed on my credit report from CMRE. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide 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. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal 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. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card inquiry on XXXX-Comenity Bank/XXXX inquiry XXXX XXXX inquiry on XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Inaccurate Address on Credit Report Request for Intervention Dear CFPB, I am writing to formally dispute an inaccurate address listed on my credit report with Experian. I have contacted Experian regarding this issue, but they informed me that the address in question is linked to an account. However, I can confirm that this address is not associated with any accounts, which leads me to believe that Experian is employing a stall tactic to avoid correcting the information. 

My situation is similar to the case of XXXX v. Experian Information Solutions , Inc., where the court addressed similar issues regarding the accuracy of information maintained by credit reporting agencies. As outlined in the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information in their file, the CRA is required to conduct a reasonable reinvestigation of the disputed information. 

Despite my attempts to resolve this matter directly with Experian, I have not received a satisfactory resolution. I believe that the inaccurate address could negatively impact my credit score and overall financial standing. 

I kindly request that the CFPB intervene in this matter to ensure that my rights under the FCRA are upheld and that Experian conducts a thorough and fair reinvestigation of my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. 
A company named : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. 
I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX.

I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. 
This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. 
Most sincerely ~
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem with Equifax is that they wont merge my file I think its a major error in their system Equifax isnt reporting XXXX XXXX  or XXXX XXXX  XXXX this is a waste of time and money you have to report accurate information to my credit report nothing is reporting to my current file I think another file was created due to typo or something Im paying on tradelines that I paid for and they are reporting on XXXX and not equifax makes no sense they report to all 3 bureaus and payment report reports to Equifax and XXXX Ive already spoke to all the creditors they say they reported same file to both and my brother I looked at his report its no issue with him. Please merge the files if another was created.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX  XXXX card account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.
Product: Credit reporting or other personal consumer reports

This is in regards to the paypal credit account I had with you guys, closed in XXXX. Last year, I requested a goodwill deletion. That was understandably declined. 

However, early this year, I requested that the account be removed in it's entirety. This is a much more reasonable response. I spoke to customer service multiple times, and they eventually agreed and stated that a letter would be mailed to the credit bureaues to have this account removed. I have uploaded the letter they sent me. I also have one of my conversations with your customer service rep recorded ( she consented to be recorded ), where she CLEARLY states the account would be removed. 

Well, that never happened. I spoke to XXXX and they never received such a letter. I tried calling you guys back, but I kept getting the runaround and no clear answers. 

Bottom line- I was explicitly told this account would be removed. It was not. You told me it would, so this letter needs to be sent to the credit bureaus. You told me you'd remove it, so remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning CFBP, This complaint is against XXXX and EQUIFAX. these two companies are not removing items that are 7 years old or older. I have already been the pain and suffering because of the long strenuous communication to get this removed. This is hurting my career as an XXXX XXXX Member of the XXXX XXXX, where I am possibly looking at some adverse actions over something that I did 7 years ago when I was married to my kids mother. I have made many mistakes, like many have done so- but i have since been trying to my best to do better for family and my career. I really hope that the CFBP can tell XXXXEQUIFAX remove these accounts as soon as possible. that is all, thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> 2024
Product: Debt collection

Dear Sequium Asset Solutions, I am writing to formally notify you that I am a victim of identity theft concerning the account you are attempting to collect. The account referenced below does not belong to me and was opened without my knowledge or consent. 

Account Information : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount of Debt : {$1200.00} Due to this identity theft, I request that you remove this account from my credit report immediately. I have attached documentation, including identity theft affidavit, to support my claim. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to cease all collection activities related to this account and ensure that it is not reported to any credit reporting agency. 

Please confirm in writing that this account has been removed from my credit report and that all collection efforts have ceased. Direct any future correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. F.C.R.A. violation, removed and re-inserted and did not inform me. 

XXXX XXXX Reported : XX/XX/XXXX There are no contracts, no valid claim... account was settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want this account removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Debt collection

I was involved in minor accident last year in XXXX my insurance company denied my insurance so the other deiver 's insurance company given that right to debt collecting agency to collect the damage of that vehicle of their client so I asked them for estimate of damage they send me the esitame and that was almost {$1800.00} I doubted that because that damage was very little few scratches so i reported that incident to state insurance commission they send me the file of whole claim and what I noticed that the pictures of car they used to make estimate was totally different an accident I was involved that car was XXXX XXXX and they used the car XXXX XXXX to made wrong estimate in between all those time they kept call me pay us withing this time limit otherwise we will report you to secretary of state and get your license suspended.so I called the insurance company they were representing that you provided the wrong facts and I told them I am not gon na pay the amount you are showing in the estimate because you provide the wrong facts so they start making settlement that ok pay {$500.00} to the debt collecting agnegy that representing us I was so overwhelmed because they keep threatening me to get my driving license suspended and I was tired of all those phone calls and Mails.so I paid them {$500.00} online through credit card they told me we will mail you payment receipt in a week its been 2 month I have not received my payment receipt I called them last week they denied to give me my payment receipt in the meantime once I paid them after a week I received a letter from the insurance company that represented by this debt collecting agency that we are sorry that debt collecting agency sent a wrong images and they use wrong vehicle for making estimate and when I debt collecting agency about my receipt last week and they didn't have any record of the car that was involved In accident still they were asking me that you were involved in accident with XXXX XXXX and that's not true.so in this case what I feel that they misrepresented the information yo collect wrong amount from me because my insurance company already denied claim so they knew that we are collecting damages from an individual so how that individual is gon na investigate all those stuff but the luckily I reported that to state insurance commission and I caught them misrepresenting the information. Please help me to take an appropriate action against them Thank you
Product: Mortgage

Our mortgage company ( PHH Mortgage ) failed to make a periodic property tax payment on our behalf. Our home is now subject to a tax lien sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. Navy Federal CR UN was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to Navy Federal several times about my business account in which Navy Federal charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by Navy Federal to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.