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

XXXX XXXX XXXX, XXXX sold my debt to LVNV LLC which I do not owe anything. XXXX XXXX  sold my debt and my sensitive information such as my social security number to XXXX XXXX XXXX , XXXX . 
Without my explicit either written/oral permission I never gave my Social Security Number to LVNV FUNDING LLC which it used my sensitive information and report me to XXXX. 
I'm responsible for the amount XXXX to XXXX XXXX. 
XXXX XXXX  invaded my credit report 10 times starting from XX/XX/2018 to XX/XX/2018. I assume once is good enough but not 10 times. 
They placed my account as derogatory account. They sold out my debt to XXXX XXXX XXXX XXXX which they used LVNV LLC to invade my credit report and report me as Derogatory account. 
I'm responsible for such amount but I don't know how much interests they added that's another thing, however, what makes me vulnerable is the fact my personal information was sold to third parties and they can invade my credit report as much as they like. 
There is no records of phone calls either permission gave to LVNV FUNDING LLC. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX IL XXXX PHONE NUMBER XXXX XXXX XXXX XXXX I can prove providing to the Federal Agency this information which is accurate. I can provide my credit report through XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a dispute through XXXX for credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) ' for an account in collections for original creditor 'XXXX XXXX XXXX ' on XX/XX/2024. XXXX responded through the XXXX online credit report dispute on XX/XX/2024 that the reporting details were valid. I received a letter in the mail from XXXX  dated XX/XX/2024 that provided details of the debt that included a Patient Statement inquiry, a XXXX XXXX XXXX Consent to Treatment : Authorization to Release Information : and Statement of Financial Responsibility form, and a XXXX XXXX XXXX Notification of Patient Responsibility for Co-Payments/Co-Insurance % and Deductibles form. I sent a letter dated XX/XX/2024 to XXXX, certified USPS certified mail with tracking # XXXX. In this letter I requested written proof of the validation of the debt and HIPAA authorization that I gave consent to the XXXX XXXX XXXX XXXX ( XXXX  ) for them to have access to my private medical records. I received a letter dated XX/XX/2024 from XXXX that did not reference this debt validation request, but referenced a creditor that was not XXXX XXXX XXXX and was not in reference to any request that I submitted to XXXX. 

The letter and documents that I received with XXXX  's letter dated XX/XX/2024 have violated my HIPAA rights. There were included detailed medical records that included specific medical billing codes for specific and identifiable medical procedures that I did not give authorization for, that I did not consent for XXXX  to receive these details and other information about me or my HIPAA protected information. Therefore I request that this collections account be removed from my credit report immediately because the XXXX XXXX XXXX XXXX has violated the law and my HIPAA rights. 

I included attachments with copies of documents that XXXX  sent to me proving the violation of my HIPAA rights. I have redacted my PII, and other HIPAA protected information. The documents that I received from XXXX did not include any redactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never late on a payment however, there were ( 2 ) ACH payments that were credited back to my account. ( I have attached a copy of the bank statements ). There had been fraudulent activity on my account and when I saw the ( 2 ) ACH payments I disputed them with the bank. I was not sure who these transactions were from. I later discovered that the transactions were from XXXX. I immediately allowed the payments to process. I contacted XXXX and was assured the account was in good standing. Before I knew it the vehicle was repossessed. This banking error was through no fault of my own and consequently the reporting of the repossession on my credit report is in error. I have included bank statements as well showing that I did make on-time monthly payments as scheduled on this account. The false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX  as well as the bureaus to remove this line item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
6. Validate Account AD XXXX REC Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of XXXX Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX  1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS XXXX 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: Money transfer, virtual currency, or money service

In XXXX and XXXX of XXXX I submitted electronically two payments to Dell which brought my purchase of a laptop as paid in full. Some time later I received a notic e from Dell 's financial institution, Comenity Bank, that my account was over due. After contacting my bank, XXXX, I saw that the checks had been sent and I requested Proof of Payment of both transactions which I sent to Comenity Bank ( see attached ) .After a prolonged investigation on their part they wrote me ( ltr attached ) that these checks were cashed by someone unknown and that I was still, liable for the two amounts plus late fees. I do not believe I am not responsible. This also impacted my credit score which was always over XXXX.
Product: Mortgage

I have never missed a mortgage payment in 10 years with wells fargo Recently i have been paying down my mortgage with principal only payments Issue is WF continues to misapply funds. Regular payments of XXXX {$1400.00} have been paid for 10 years. I pay from my credit union account to wells fargo. The payments get applied as principal and vice versa, principal only payments $ XXXX {$4000.00} per payment, get misapplied as well. 

My account is now over due and late fees have been applied. 

I have contacted wels fargo 5+ times to get this resolved. They tell me it is a " software coding '' issue. 

I am concerned that my credit rating will be impaccted by this. 

I am not in or near finanical distress this is an administrative issue that needs to be resolved by Wells Fargo Well Fargo has told me 3 + times that the issue is " resolved '' but it  continues to persist. 

This issue is active and has been ongoing for the past 3 months or so
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My credit card company, Fifth Third Bank, which my account has been closed, has called me at home while I am at work three times today within a XXXX period. I feel they are making their case for trying to communicate with me, but calling intentionally their " legal '' limit of calls per day during which time I am unable to answer, since I am at work. Each time, never leaving a voice mail, so technically I 'd never knew they called if I did n't have caller ID services. They called on XX/XX/2015 at XXXX. I consider this harrasement by bugging my wife in having to check the phone each time it rings when as a homemaker, she has much more important tasks than to babysit the telephone all day. I believe this violates the Telephone and Solicitations Act.
Product: Debt collection

They had said I had insurance billed my old insurance XXXX because they said I had called into XXXX and told them I had XXXX witch I did n't have and they billed anyways well come to find out they said they offered me XXXX and they did n't even offer me it I am willing to seek legal help if this does n't help like I told them if I did n't have insurance I would of never gotten this procedure done and they think I am lieing about this situation and I am not I will get legal help because I am not in the wrong please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding falsely furnished accounts by Experian ( Complaint ID XXXX ) the response is not valid in that the investigation is in violation of 15 U.S.C. 1681a ( e ) - investigative reports must have sources of interviews of family and friends, and the results can not contain factual information. The " creditors '' are neither family or friends. No notice of dispute was placed on the alleged accounts per 15 U.S.C. 1681c ( f ). Further, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) this dispute was made XX/XX/2022, and Experian did not submit a reply until XX/XX/2022. This reinvestigation has taken longer than 30 days and the alleged accounts should have been deleted. Experian failed to maintain reasonable procedures designed to avoid violations under section 1681c, and no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

As a young man just out of the XXXX XXXX, I did not have any credit establish, as a result I had gotten a credit card, with 0 % interest for the first 12 months, to establish credit. I planned to leveraging my monthly expenses to create that establishment.

Shortly after I came across an emergency. I needed to buy a car because my vehicle ( XXXX XXXX XXXX  ) was not in the best conditions to continue using frequently. I had gone to the dealership and traded in both my motorcycle and car. Unfortunately I needed to use my credit card to make a down payment of {$3000.00} to achieve a desired low monthly payment I could afford. My goal was to pay off the XXXX  before my 12 months expired.

Now that I am about to start full time school, with only a part time job, I am unsure whether I will be able to completely pay off my credit card before the 12th month. Accruing interest on {$3000.00} will then leave me neck deep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiries on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my balance information was incorrect. You are reporting Information that incorrect because my balance is paid in full and has been. You also sent myself proof that you received my balance total. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete any balance that is not XXXX because it is inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Product: Credit reporting or other personal consumer reports

am writing to dispute the reporting on my credit file regarding a closed charged-off account associated with Loan Account It has come to my attention that there are inaccuracies in the information being reported, which is in direct violation of established credit reporting regulations.

The discrepancies are as follows : 1. Reporting a Closed Charged-Off Account as Past Due : The account is inaccurately listed as past due, even though it has been closed and charged off. This misrepresentation is negatively impacting my credit profile and is not reflective of the accounts current status.

2. Discrepancies in Balances : The written-off amount is documented as {$3900.00}, whereas the reported past due amount stands at {$7800.00}. This inconsistency raises concerns about the accuracy of the information provided and is in violation of credit reporting standards.

These discrepancies are affecting my creditworthiness and financial standing. I kindly request that you promptly investigate and rectify these inaccuracies to bring the reporting in line with the actual status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Failure to address and correct these discrepancies within the required timeframe may compel me to take legal action to protect my rights.

I appreciate your prompt attention to this matter and request that you provide written confirmation of the resolution and the updated information submitted to the credit bureaus. 

Thank you for your cooperation in resolving this matter promptly.
Product: Credit card or prepaid card

I believe was XXXX bill was XXXX but then I bought something and returned it fully refunded. Now my bill is XXXX. My bill should be XXXX still since return was processed. I think the bank is stealing.
Product: Checking or savings account

Chime closed my account on XX/XX/XXXX. they sent me a closure check in the amount of XXXX that check has bounced 4 times at 4 different places. I was told buy a bank that the check is fraud and could possible be fake. Chime has done nothing to help me in this situation. they have not re issued the check. keeps telling me try it at a different bank. its a FAKE Check. i have posted the picture of the fake check. this is uncalled for. chime should have to pay some type of fine for sending fraud checks to consumers! 

i have uploaded the check that has bounced 4 different places!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed false reports on my credit history and I would like them removed as soon as possible. This is causing horrible outcomes with loans and my current employment!
Product: Vehicle loan or lease

I have tried on their app while logged in, chatting with a rep and called and spoke with XXXX at the XXXX number and they refuse to take my payment over the phone to pay off this loan.
Product: Debt collection

I have disputed this after I disputed it the account was transferred to another collection company. I did not order this phone I did not give my permission for anyone to use my information to buy a phone. They can not provide me with my signature or ID used to get this phone! I would like this to be removed from my credit report since it can not be proven it was mine. I think my ex husband had it but I can not prove it. I also think they have messed with the dates I was told this was in 2009.
Product: Debt collection

RMP services keeps calling me from an auto dial with a recorded message asking me to call them. With fraud I told them stop calling me and to send me a bill though the mail. They state they will not send me anything through the mail and Im only allowed to call the number the voicemail provides. I have said calling me multiple times a day is harassing me and they dont care. Ive told them twice to stop calling and I have yet to be taken off the list for these robot auto calls.
Product: Debt collection

Late last year i received a notification on a credit reporting agency of a major derogatory account from a debt collection agency named credence resource management, i contacted the company and informed them i did not have an account with them, they mentioned the debt was from XXXX XXXX XXXX XXXX, informed them i had not opened an XXXX XXXX XXXX XXXX  account, i contacted XXXX  credit report and they opened up a fraud claim, on XX/XX/XXXX i received a letter stating the account was now deleted from my credit report as they determined it was a fraudulent account, i now am receiving a new derogatory account on my credit report for the same account from a new debt collection agency, sunrise credit service. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account was deleted after my dispute was approved by XXXX XX/XX/XXXX - SUNRISE CREDIT SERVICE -fraudulent account, based on XXXX representative is a collection agency for the same XXXXXXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.