23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was the victim of identity theft due to a background check database security breach in XX/XX/XXXX. I reported this and placed a credit freeze with all 3 credit bureaus on XX/XX/XXXX. I received a text message from Cedars Business Services LLC in XX/XX/XXXX, stating that I owed a debt of {$500.00} that they were attempting to collect. I called and tried to clarify. They informed me that I had an account with XXXX and owed {$500.00}. The representative could not provide me with a valid account number. I told him it was a scam and fraudulent and ended the conversation. I received written communication to my home address dated XX/XX/XXXX from Cedars Business Services LLC, a debt collection agency, with a bill for {$500.00}. I sent a return written letter dated XX/XX/XXXX, disputing the debt due to it being a false and criminal account that was created erroneously as a result of my identity theft. By law, they have to cease efforts to collect the debt and send me proof in writing within 30 days that the debt is legitimate and my responsibility. I received no return response. Then, I received a credit alert that Cedars Business Services LLC reported this false collections account to both XXXX and XXXX credit bureaus. I am actively disputing these reporting errors. XXXX does not have any record of either Cedars Business Services LLC or XXXX as an account on my credit report. I would like to resolve this false debt due to identity theft and its impact on my personal credit.
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. I told Experian, XXXX XXXX and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Balance {$5500.00} Date Opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with the 3 credit bureaus, Experian, XXXX, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.
Product: Credit reporting or other personal consumer reports

Misleading triple reporting debt Companies are collecting and reporting on 2 original accounts Original Premiere bank credit card ( Charge off/Closed ) Sold XXXXXXXX XXXX COLLECTING AGENCY SOLD 3rd party Resurgent collection agency All 3 agencies are reporting on my credit report for the same debts which includes original company XXXX XXXX XXXX XXXX XXXX 

Disputes have been mailed off XX/XX/XXXX XX/XX/XXXX Disputes have been submitted for request for deletion including request for original signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding XXXX XXXX XXXX - Violation of HIPAA Law Dear CFPB, I am filing a formal complaint against [ XXXX XXXX XXXX ] concerning the collection efforts they have initiated for a medical bill, which I believe is in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and other applicable laws and regulations. 

This dispute is in reference to the following alleged debt : Creditor : XXXX XXXX XXXX Account Number : XXXX Date of Service : XX/XX/2023 Amount : {$910.00} I assert that I am well aware of my rights under HIPAA and other consumer protection laws. The medical information being collected by [ XXXX XXXX XXXX ] is protected by HIPAA, and it is unlawful for any debt collection company to disclose such sensitive information without proper authorization. 

I have not granted any authorization for the disclosure of my medical information to [ XXXX XXXX XXXX ], nor have I authorized them to engage in collection activities on my behalf. 

I demand that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that [ XXXX XXXX XXXX ] complies with the provisions of the Health Insurance Portability and Accountability Act ( HIPAA ) and other relevant laws and regulations. I further request that [ XXXX XXXX XXXX ] provides the following information to validate their claim : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original medical provider 's name, the date and nature of the medical service, and an itemized statement of all charges.

2. Proof of Authorization : Furnish evidence demonstrating that I have authorized the disclosure of my medical information to their company.

3. Compliance with HIPAA : Explain how their collection practices comply with the provisions of HIPAA and safeguard the privacy and confidentiality of my medical information. 

I demand that [ XXXX XXXX XXXX ] immediately cease all collection activities related to this medical bill until they can provide the requested documentation and demonstrate compliance with HIPAA. 

I am enclosing copies of all relevant documents, including the credit report showing the collection entry, to support my complaint. 

Please keep me informed of the progress of the investigation and any actions taken by the Consumer Financial Protection Bureau in resolving this matter. 

Thank you for your attention to this complaint. I look forward to a resolution that upholds my rights under HIPAA and other applicable laws. 

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

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX xxxxxxxx XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$29000.00} XXXX  XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX XXXX {$460.00}
Product: Mortgage

I have been calling and emailing NewRez LLC since XXXX XXXX. I have talked with multiple XXXX in the property tax dept. They have all opened tickets but nothing gets resolved and no one has ever called me back or responded via email. The last note was in XXXX, I called and they said the tax overpayment money should be in my escrow account as of XX/XX/XXXX about XXXX months after it was sent back to them by XXXX XXXX XXXX XXXX. To date, it has never been put in my account. NewRez uses Corelogic as their XXXX party vendor, I had a XXXX from XXXX, who said the money is hung up with NewRez, on a XXXX call with NewRez in XXXX. NewRez was trying to say that the money is hung up with XXXX but, another research ticket would be opened. I called again today, XX/XX/XXXX, spoke to XXXX in the property tax dept. was told that the ticket was closed, no other information was provided, the money is not showing in my account and another " research ticket '' will need to be opened. I asked why the XXXX one was closed without resolution, she could not answer and kept repeating that another one needs to be opened. I asked to speak to supervisor, XXXX attempted to get XXXX on the phone, after about XXXX mins, XXXX said that the supervisor was busy helping someone but would call me in XXXX. This is unacceptable, it should not take over XXXX months for money that was sent back to them to be put back in my escrow account. I was trying to resolve this before NewRez paid my XXXX property tax and cause me to now have a negative balance in my escrow account because it will cause my mortgage payment to increase to where it might become unaffordable. I want NewRez to return the {$2700.00} back into my escrow account ASAP. Thank you.
Product: Debt collection

The collection agency, Midland Credit Management, has called me numerous of times during odd hours of the day and night threatening to sue me and have police come to my home to arrest me and/or shoot me for a fraudulent credit card. When I did talk to them a few times, I express to them that the credit card was a fraudulent account. They would not believe me, calling me foul names and using explicit language over the phone. They called me a fraud because I didn't pay the credit card bill. Of course I'm not going to pay on a fraudulent credit card bill. I do not have a written contract with a wet ink signature saying that I owe or agree to pay Midland Credit Management for a fraudulent credit card.
Product: Debt collection

Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX {$680.00} The debt collection firm is trying to collect on a debt that is not mine. This was to be resolved after my communication with them and advising them that the charges were either someone else or fraud. 

This debt collector was advised that they are not to put erroneous information on my credit report as it a item that is not mine. 

I have sent them a letter to request the forms to put this in as fraud and they can not provide as it was paid in full by XXXX. These bills are not mine and I have requested signatures to provide proof that they are mine. 

This company is abusive in their practices on the call and have been reporting on bills that are up to 4 years old. The information is incorrect and they are not listening just billing me and putting wrong information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I moved out of an apartment complex because my husband and I purchased a home. Recently, I was notified that I owed more than $ XXXX for charges related to the canceled lease and they were grossly misrepresented and inflated. I contacted an attorney and tried to resolve the issue with the collection company but they have not responded back. All claims made by the apartment complex is not only false but they are attempting to ruin my credit and my mother who co-signed as retaliation for the disputed charges.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light if the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately.The CFPB 's findings indicate that zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

This is update to previous submission. 

XXXX, a representative of Freedom Mortgage called to say this had been escalated to executive level. She also said I would be receiving a phone call by XXXX XX/XX/XXXXto resolve this. To date, no phone call. I have left voice messages, sent emails, and submitted secure online messages to see what happened. 

After all, the responsibility for.this situation is solely on Freedom Mortgage. If they had merely notified me of the change in payment, I could have adjusted the payment amount. After first time it was insufficient, they could have contacted me so I could correct it. Bit they never did either. 

That is why they need to correct the impact on my credit reports. 
v/r XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

I have attempted several times to stop receiving emails from Wells Fargo. I've attempted to sign in with the email that they have been sending information about the account to but I can't access.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting To Whom It May Concern : I am writing to formally file a complaint against TransUnion for its ongoing failure to correct inaccurate late payment information reported on my credit report for account XXXX, account number XXXX. Despite submitting multiple requests for correction, dated ( letters dated XX/XX/year> ), no changes have been made. This inaction not only disregards my right to accurate reporting but also violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which mandate timely and precise updates to consumer credit files.

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account breaches this requirement. Furthermore, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The inaccurate reporting of late payments on this account violates this protection and has unjustly impacted my financial standing.

Payment History Discrepancies The account XXXX  shows recurring inaccuracies across TransUnion, XXXX, and XXXX credit reports, specifically related to late payments. Each bureau reports multiple 30-day, 60-day, and even 90-day late payment entries, despite the account being closed, fully paid, and having a {$0.00} balance at the time. These errors persist across all three bureaus, affecting my credit profile negatively. Lack of Resolution Since Previous Dispute Despite multiple disputes submitted to TransUnion, each bureau has continued to report these errors without any corrective action. This inaction has resulted in prolonged harm to my creditworthiness and breaches both FCRA and TILA.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Ref CFPB Case # : XXXX Affirm Loan ID : XXXX With regard to application in question. The loan application is my equitable property and should be retracted as your corporation is in breach of contract due to non performance. I have right to credit. XXXX or any other CRA do not decide my credit worthiness. Continued misinformation is violation of 15 USC 1611.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 all 3 reporting agencies must promote accurate information with my credit report and thats exactly what they are not doing with the attachments below it shows all my accounts have been opened on different days, inaccurate and unverified information must be removed. I have certified mailed all 3 bureaus tracking number XXXX XXXXXXXX and still have not receive any information. 

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting or other personal consumer reports

The company has responded however the correct action has not been taken pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please see the attached documentation sent by XXXX XXXX showing a XXXX balance as of XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- INSTALLMENT LOANS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Unfortunately, I am a victim of human trafficking o Debt bondage. I have made the company aware of this that ther are multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX. XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT ..XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit card

I was being charged twice for many transactions since XX/XX/XXXX. Unfortunately I only noticed in XX/XX/XXXX so I filed a dispute. Capital One only gave me back the amounts for the transactions within the last XXXX days and told me they will no diapute charges further than XXXX days. The charges are from different companies, not just XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus Experian, XXXX and XXXX to remove these defamatory remarks and comments from my credit report. This is a defamation of character.
Product: Credit card or prepaid card

Fortiva allowed XXXX XXXX XXXX XXXX to charge my account for {$6600.00} without my authorization on XX/XX/XXXX. I did not provide the company with my card or account information nor did I sign anything authorizing the payment. My roof was supposed to be installed on XX/XX/XXXX. My contract stipulates that I do not pay anything until the work was done and I signed off. I contacted Fortiva once the work was not completed on XX/XX/XXXX to ensure that the company could not charge my account without my consent. I was told they would not be able to debit my account without my authorization. I still have not received confirmation from the company the work is completed and now my roof is leaking. I never spoke to XXXX XXXX about processing the charges and was unaware until I saw the charge on my account. Fortiva has allowed this company to debit my account unauthorized and still has not reversed the payment after being notified of this information.