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

My HIPAA rights were violated by Radius Global Solutions LLC. As an attempt to validate and collect debt for XXXX XXXX XXXX XXXX, the company Radius Global Solutions LLC sent me copies of my medical procedures and diagnosis from XXXX. I never signed or gave permission to Radius Global Solutions LLC to obtain this information and it is a direct violation of my HIPAA & privacy rights. I request that Radius Global Solutions LLC cease and remove all reports on my credit accounts/bureau. 

Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

This letter is not an idle threat. If this issue is not resolved within the specified timeline, I will file complaints with the Attorney General and the Federal Trade Commission ( FTC ), and pursue legal remedies in small claims court or federal court as appropriate. 
urge you to address this matter promptly to avoid unnecessary legal action. Please respond in writing to the address provided above within 15 days. 

This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX appearing on my credit report is inaccurate, unverifiable, or incomplete. 

I submitted a dispute regarding this item to XXXX XXXX Transunion. 
To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611. 
- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report. 

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind. 

To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs.
Product: Checking or savings account

My debit card number was used fraudulently by an unknown source to purchase items from a XXXX in New Jersey in person worth XXXX on XXXX. Then my card was used fraudulently again multiple times for XXXX XXXX on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and again on XX/XX/XXXX for XXXX. I was texted by Wells Fargo in the early morning on XX/XX/XXXX asking if I was making those purchases and I said no and called them immediately to freeze my card and to make a fraud claim. They told me I would have a response in ten business days with a decision. That same afternoon I called back and asked for provisional credit, and asked for an email so I could send proof of the XXXX receipt showing items bought such as multiple electronics including multiple gaming systems, as well as the time and date of purchase. I have been mailed letters by Wells Fargo simply stating that they have given me provisional credit which I had to ask for in the first place. It has been three weeks since I filed my claim and I called back today on XXXX with NO resolution still. I need and deserve my money back permanently as I am innocent in this situation.
Product: Debt collection

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was resolved with an Identity report and was XXXX XXXX the XXXX party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I would like for this account to be removed and deleted from my consumer report from all three credit bureaus such as Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim or identity theft and my information was compromised in a data breach with XXXX.
Product: Checking or savings account

I opened an account with bank of america around XXXX 2014 for XXXX and i didnt have ny card yet so i had to go to the bank to take out cash so the 3rd time i went i was told that i couldnt take out any money and that i had to call and figure out why it took me 2 hrs to find out that they closed my account and they really couldnt tell me why ive recently learned that they are being suied and needed to file my claim as quickly as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXXXXXX {$1000.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX  XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding the incorrect account on my credit report. This issue has hurt my reputation as a customer, and I need your support. I want these accounts removed because they are being reported inaccurately and have a negative impact
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the fraud alert currently placed on my credit report. After reviewing my circumstances, I believe the alert was placed in error and is no longer necessary.
Product: Debt collection

National Credit adjusters has refused to supply proof of investigation of a fraudulent Acct # XXXX I have written National Credit adjusters on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA XXXX is required to supply proof and method of their investigation. National Credit adjusters has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach out before suing under section 616 National Credit adjusters also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and National Credit adjusters has again used another stall tactic in order to circumvent the law. National Credit adjusters has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tactic used by National Credit adjusters to willfully break the law. National Credit adjusters has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that National Credit adjusters send this document from their address showing proof that National Credit adjusters has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information. National Credit adjusters actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 to Experian, XXXX and XXXX about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TransUnion sent me correspondence explaining they could not use the documents I sent to them relative my validation request. 
My letter dated XX/XX/XXXX requested validation pursuant to 15 USC 1692g Sec. 809 9 ( b ) of FDCPA in relations to XXXX XXXX accounts # XXXX and XXXX. However what appeared on the attached Federal Trade Commission Id theft Report # XXXX, was intended for XXXX and XXXX. The portion of the inquirers listed on the report was directed to all bureaus. 

I was thinking the inquiries would have simply been removed under section 605B, as a victim of identity theft. Instead, they sent me a TransUnion Identity Theft Victim Assistance Affidavit, when they received my identity theft report.
Product: Debt collection

I 'm writing because I have paid this debt, and it is still showing on my credit report. They wrote the letter that said payment was received and it was paid in full. Payment was received on XXXX /XXXX /2016. Why is it still showing on my credit report please remove it thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry reporting on my credit report from ( XXXX ) from the date ( XX/XX/2020 ) that does not belong to my. It is an error. The company has agreed and has asked the credit bureaus to remove the inquiry but it is still showing on my Equifax report.
Product: Credit reporting or other personal consumer reports

I have found an account listed on my credit report for {$4500.00} associated with XXXX XXXX, located in XXXX XXXX, FL. The credit company listed is Professional Debt Mediation, based in XXXX, FL. I do not recognize this account and have never lived at XXXX XXXX or had any affiliation with this location. I believe this account is a result of identity theft. 

I have reported this matter to the police, and my police report ID is XXXX. Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ), with reference number XXXX. I am unaware of any rental debt associated with this account, and I request its immediate removal from my credit report. 

I have reached out to the company three times with no response. Given that I have never been to this apartment complex or had any interaction with the company, they could not have received any legitimate information about me. 

If this issue is not resolved promptly, I will seek legal counsel to explore further action.
Product: Mortgage

Our mortgage was bought out by Ocwen in XXXX it has been nothing but trouble, from over drafting our account by taken out XXXX bi weekly payments within 7 days to us receiving XXXX XXXXXXXXXXXX each for returned checks and payments from credit cards, vehicle payments as well as utilities. When I lost my job in XXXX we wanted to apply for a loan modification which of course they recommended as well as visiting XXXX of their credit counselors which we did. Our rate was XXXX at the time and morg was XXXX at time, now almost 4 years later at XXXX XXXX for our morg. and that in a loan mod. Not only did our rate stay same our morg went up about XXXX. We STILL owe 30 years on our home that we purchased in XXXX Hmmm you do that math. Now they are stating that im XXXX behind in morg and they are requesting that money by XXXX XXXX XXXX or they will foreclose on our home. I have documents and bank statements showing all payments made since our loan mod.. I have contacted a XXXX Team which our helping us get a true loan mod at correct rate XXXX ( well i hope ) which is costing me XXXX. There is no way at this point that we can get away from Ocwen due to them reporting to credit companies. Im at a lost with this company. They will get you out of home pay a hefty fine back to you, but then turn around sell your home and do the same to next owners ( or should i say renters ) I wish there was something we could do to keep our home that we worked so hard to get. They tacked so many fees on end of our morg Im not even sure if that is legal?
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear XXXX : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX AUTO FINANCE EF B XXXX/XXXX/XXXX HNB CLEVEL BANKING EF B XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANK BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CARS AUTOMOTIVE TU B XXXX/XXXX/XXXX ALASKA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit card or prepaid card

I have been using my chase credit card while temporarily working in XXXX XXXX Fl area. While lodging at a studio room at a hotel, I have been making purchases up to approximately {$100.00} at XXXX XXXX. On Sunday XX/XX/2019, I made a {$29.00} purchase. My chase statement shows the {$29.00} purchase and two additional purchase for {$590.00} and {$10.00}. On Monday XX/XX/XXXX, I made a {$32.00} purchase. My chase statement shows the {$32.00} purchase and two additional purchase for {$190.00} and {$5.00}. Reviewing my on-line Chase statement XXXX   XX/XX/2019, I noticed these additional charges. I did not make {$800.00} worth of purchases at XXXX. I contacted chase and disputed the two largest transactions {$190.00} and {$590.00}. The Chase card was cancelled. They removed the charges for XXXX months while they investigated. They sent me a new card which I never activated. I noticed in XX/XX/2019 the two charges were put back on my account. I called chase to dispute and they recommended I contact the police. I contacted XXXX XXXX XXXX Police department, ( see attached police reports ). I never lost the credit card. The police contacted XXXX and reviewed the transactions on my chase card. They see the legitimate purchases in their records. The two disputed charges do not exist in the XXXX data base ( see second police report ). I am not surprised since I never made these purchases. 
I have disputed these charges four times with Chase. They keep stating the charges exists even though XXXX has no record of these purchases ( see second police report ). I have paid the approx. {$800.00} so I dont rack up interest and penalties and ruin my credit. I ask Chase what they verified when there is no record of the purchases at XXXX. They state since the charges are point of contact and numbered sequentially, they must be legit. My wife XXXX is a witness for the two legit charges of {$29.00} and {$32.00}. The other charges are not legit ( Chase computer error? ). 
I am looking for assistance in getting Chase to correct their billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX has and is reporting inaccurate information on reports from equifax, XXXX, and XXXX. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against Equifax 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Equifax has refused to block the items in my credit report that are directly linked to human trafficking. Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CREDCO inquiry XXXX. XXXX, 2020 XXXX inquiry XXXX. XXXX, 2020 XXXX XXXX XXXX inquiry XXXX XXXX, 2020
Product: Debt collection

The collection agency ( Portfolio Recovery Associates ) is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a female put things in my name without my consent and without me authorizing and acknowledging, there are 2 credit cards in my name along with money from XXXX XXXX. I want them removed and deleted, I dont have access to a credit card, nor have i shopped and used one. I want this done and immediately i keep getting notifications from places that i never even shopped at. The girl had access to my info because she and I were dating and when we broke up she went on a rampage in my name because she was unable to do it herself which is not fair to me