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

I've written several letters to XXXX, XXXX, XXXX and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.
Product: Debt collection

I am to report a HIPPA Violation on an outstanding medical balance on all 3 of my credit reports. I sent a certified letter to Paramount Recovery on XX/XX/XXXX requesting that they validate the alleged debt and that 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. My letter also stated that I did not give permission to any of my current or prior medical providers to release any of my medical information 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 patient’s authorization. Therefore, my request is twofold—validation of debt and HIPAA authorization.  On XX/XX/XXXX I received an envelope that consisted of my medical records from XXXX XXXX XXXX XXXX, which is a violation. I am requesting that the charges be removed from my credit reports w/ XXXX, XXXX and XXXX (any credit bureau that they report to) due to I do not owe Paramount Recovery. I did not give permission for any medical provider to release any of my medical information to anyone.
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions. These accounts are being reported multiple times and are the same alledge debts trying to be collected.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT THAT I HAVE NEVER PAID LATE THE ACCOUNT IS PAID IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit report Sub-issue : Information belongs to someone else date open : XX/XX/2021 amount : {$210.00} XXXX date : XX/XX/2021
Product: Debt collection

THE COMPANY XXXX  XXXX FALSELY CLAIMED TO BE REPRESENTING THE CREDIT CARD HOLDER HSBC TO COLLECT A DEBT. THEY THREATENED TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY ORIGINALLY TOLD ME I NEEDED TO PAY {$1500.00} THEN THEY SAID I HAD TO PAY OVER {$3000.00} BECAUSE OF COURT FEES BECAUSE THEY WERE FILLING SUIT AGAINST ME. I MADE 4 PAYMENTS TO THEM OF {$110.00} OVER 4 MONTHS, THEN I RECEIVED CALLS FROM THE CARD HOLDER SAYING THAT I HAVE NOT BEEN PAYING THEM AND THEY WERE READY TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY INFORMED ME THAT THEY WERE NOT GOING THROUGH A DEBT COLLECTOR TO COLLECT MY ACCOUNT AND DID NOT KNOW WHO APE FINANCING WAS. THE CARD HOLDER WAS UPSET WITH ME AND POSTED ON MY CREDIT REPORT AND IT DECREASED MY CREDIT NUMBERS. THE CARD HOLDER, MY BANK, THE XXXX XXXX XXXX AND MYSELF HAVE NOT BEEN ABLE TO GET IN TOUCH WITH ANYONE AT XXXX  XXXX. THEY HAVE RECENTLY BEEN CALLING AND HARASSING ME AGAIN BUT WHEN I CALL BACK I CAN NOT REACH THEM. I FOUND THEM ON THE INTERNET AND THEY HAVE SCAMMED OTHERS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that XXXX supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX open XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic ; even after pandemic my payment history has been superior. In XXXX I reached out to your XXXX to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that the late payment history be removed as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Vehicle loan or lease

I obtained a car loan through XXXX and made monthly payments from XXXX XXXX to XX/XX/XXXX. This was the time of XXXX. In XX/XX/XXXX I started to receive an old age pension. I contacted Bridgecrest ( and also filed a complaint with the consumer financial credit bureau ) because I wanted to resume making payments. I received no response at all from Bridgecrest. In fact I did not hear from them until XXXX when they decided I owed them {$20000.00} on a cat that was worth {$13000.00}. 

They filed a replevin case against me ( XXXX XXXX ) to which I responded because I wanted to resume payments. I was working. While the case was pending in XXXX XXXX XXXX XXXX decided that they were just going to go ahead and take the car anyway without benefit of a court order, or judgement from the court. They just took it ( stole it ) in XXXX XXXX, XXXX. I had repeatedly told them I wanted to resume paying the loan.I even filed a complaint with the CFPB because of their lack of response. ( just like the foreclosure crisis ). 

I am XXXX, partially XXXX and being without a car is a hardship. They took it anyway. In violation of their contract which states judicial process OR self-help repossession. We were in judicial process. Of course then I lost my job. It turns out that Bridgecrest did not have standing as they are not the holder of the lien XXXX is. Bridgecrest simply took the payments and more than likely did not have the ability to modify the loan. They stole my car and are refusing to return it. I do have a pending court case. I am also seeking a lawyer. 

This practice of filing a court case, then grabbing the car and then filing a vountary dismissal is something they did over and over again.It is literally abuse of process. I reseached court dockets all over Florida where they did this. I guess some lawyer came up with this strategy and all of the bottom tier lawyers thought it was a good way to strip people of their property. Bridgecrest didn't even bother with standing. XXXX is the lien holder. Bridgecrest literally stole my car then demanded a {$20.00}, XXXX deficiency judgement on top of it. 

When they filed a voluntary dismissal the consumer had no choice or recourse except to sue them in another court case. Likely because they did not have money to pursue a court case Bridgecrest was able to get away with it. I was savvy enough to have responded to the case filing and had filed counterclaims. Because this was the time of covid no one was working. The judge issued a stay preventing Bridgecrest from selling the car. 

They filed a court case then just helped themselves to property without due process or right of ownership, or even a court order or a judgement from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovery by Discover company. Without my consent and Hyppa law somehow they ran my credit report for a personal loan by discovery. Therefore I want that to be immediately removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with MACY'S/DSNB , XXXX XXXX XXXX, and XXXX XXXX , XXXX . I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, MACY'S/DSNB , XXXX XXXX XXXX, and XXXX XXXX, XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company ORIONSMANA account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

the bankruptcy should not have been the option due to an accident that i was recovering from. this was voluntarily discharged because it wasn't to be the option A bankruptcy dismissal means that your bankruptcy has been stopped before the court granted a discharge order.Finally, unlike a bankruptcy discharge which is considered a public record and will remain on your credit report for XXXX years, a dismissed bankruptcy should not appear on your credit report at all if no discharge was entered.
Product: Credit card

XX/XX/XXXX XXXX transactions where made in XXXX to a XXXX for {$770.00} each totaling {$1500.00}. Citi notified through text on XXXX XXXXXXXX XXXX. message reads " free tractor supply citi fraud Msg : Card **** XXXX have been compromised. It will close on XXXX and a new card will be sent. To close now, rely XXXX or call XXXX. Rely STOP to Opt-Out ''. I immediately logged into my account to see that yes there where XXXX charges made. Called citi from the XXXX XXXX department said they would open a case it would take XXXX days. 15 days later I get a call for no payment " past due '' I explain it was being investigated. Their fraud dept informed me that they never opened up a fraud claim but see where they issued me a new card. Now I'm XXXX the open the fraud complaint I asked for a case number " XXXX '' fraud support explained they would note my account and to not make payments since it was being investigated. Never noted account, I keep receiving calls from citi to collect, I explain that its being investigated. They send me too their fraud dept I give them my case number I get " yes we're still investigating we will note the account '' THEY NEVER NOTE THE ACCOUNT! my credit is going down the toilet while they figure it out 2 months later. Also I live in Florida never been to California and I can't seem to find a business named " XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX*Balance : {$5400.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/scrub>XXXX opened Section XXXX  : Limits the reporting time for certain negative items, such as late payments or collection accounts, typically to 7 years.

Section XXXX : Requires debt collectors to send a validation notice that details the amount of the debt and the name of the creditor. If a consumer requests validation of a debt, the collector must cease collection activities and credit reporting until the debt is validated.

Under the FCRA and FDCPA, if you dispute a debt with a debt collector and the collector can not validate the debt or prove that it is accurate, they must remove it from your credit report.
Product: Money transfer, virtual currency, or money service

i made a purchased of XXXX $ bitcoin from coinbase since XXXX of this month and after 6th days they canceled my order and they told me i will receive my money back within 3-4days but it's more than 8 days now i haven't receive the money back ... 



Coinbase Your purchase for {$900.00} USD of BTC has started We expect your purchase to be completed by XX/XX/2018. We will send you another confirmation when your purchase is completed. 

We're unable to cancel started orders. 
Read more about why here. 

Reference code XXXX Payment method XXXX XXXX XXXX - XXXX ... XXXX Start date XX/XX/2018 Estimated payout XX/XX/2018 Amount XXXX BTC Exchange rate @ {$6600.00} / BTC Subtotal {$890.00} Coinbase Fee {$8.00} Payment Method Fee {$0.00} Total {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing inaccuracies on my report with XXXX, along with unauthorized inquiries to my report, but this complaint is to address all 3 bureaus in accurate reporting of my utilization credit availability which affecting my score drastically. I have XXXX in credit, and utilization of XXXX across all avail credit which is less than 5 % but they are reporting 101 % utilization which if affecting my credit score drastically. Can you assist me in correcting this issue I have addressed it multiple times. 

Thank you in advance
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights, under 15 USC 1682 section 6O2, states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b, a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates, the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, XXXX have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Portfolio Recovery Associates whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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. 

Account Name : XXXX  XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Payday loan, title loan, or personal loan

I had a small balance on my line of credit with Chase. 

I paid {$430.00} towards my loan on XX/XX/2021 at the XXXX CA branch. 
XXXX. For some reason, the branch overpaid the principal balance, making it negative ( credit balance ) XXXX. In XXXX, even though the total account balance was negative, Chase went ahead and charged me a late fee ( XXXX? ) XXXX after unsuccessful attempt at trying to resolve this over the customer support line, I went to the XXXX XXXX branch on XX/XX/XXXX to sort this out, and I was told that I need to call the XXXX line first, or come back next day to see the business banker even though she was in the office. 
XXXX. I got a letter today XX/XX/XXXX informing me that my account was past due and a late fee was applied
Product: Debt collection

In the fall of XXXX my son who was XXXX XXXX XXXX at the time was admitted into a XXXX XXXX XXXX. My son didn't stay one night there because amongst his admission he was transported to XXXXXXXX XXXX XXXX XXXX XXXX  XXXX because of an incident he had. The ambulance services that the hospital called is now charging me his mother {$2100.00} for the ride to the hospital. My son has XXXX and since was XXXX XXXX XXXX I've never had to pay medical fees. My son receives Medicaid for all of his services. I'm receiving letters and phone calls stating that this is about to hit my credit report. Medicaid is investigating this issue currently and I'm highly XXXX about it
Product: Credit reporting or other personal consumer reports

Did dispute with Transunion back in XX/XX/year> this year about information in my credit report. All the phone numbers that are being reported were not mine, except the the newest. I didn't check if the addresses were incorrect. 
Sent the results back and see that they never removed the incorrect phone numbers. They are still there and reporting as belonging to me. 
I want those wrong phone numbers removed. They are not mine, and it is illegal to report incorrect information as correct on a person 's credit report. It is damaging or could cause harm if a creditor pulls my file and sees the incorrect information listed there.