23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a bill from you on XX/XX/2020 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

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

I have been a victim of Identity Theft. I have also been a victim of credit fraud and a credit breach
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute an entry on my credit report by XXXX XXXX XXXX. According to my records, they opened a credit report for an amount of {$10000.00} on XXXX XXXX XXXX  but I have no knowledge of this account. 

I do not recognize this debt and was not informed of any outstanding balance related to this entry. I am requesting a full investigation into how and why this account was opened under my name. Additionally, I would appreciate any supporting documentation XXXX XXXX XXXX has to verify the validity of this claim. 

Please advise on the next steps I should take to resolve this issue and ensure my credit report is accurate. Thank you for your time and assistance. 

Best regards,
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account 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: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with LVNV FUNDING LLC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$620.00}
Product: Credit reporting or other personal consumer reports

Hello, Somebody attempted to open a credit account with my details ( SSN, NAME, ADDRESS ). I had a hard inquiry done on my credit that's how I found out about this. XXXX sent me the notification that a hard inquiry was done. The fraudster tried opening the card with capital one bank. I called Capital one and they directed me to this website to report the fraud. They did cancel the card the fraudster tried to open and mentioned they will be investigating the fraud. They also provided me with resources on how to protect my identity. 

Below is the inquiry that was done HARD INQUIRY REPORT : 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

On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent Mutiple dispute letter to XXXX XX/XX/year> requesting them to investigate these accounts. 
XXXX XXXX Account XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX
Product: Mortgage

My home was being livid by my mother who had a mortgage prior to my parents transferring the deed to my name. 
When I noticed it was in foreclosure my mom did not know what I was talking about ( she is XXXX ) and I began talks with wellsfargo which told me that I should speak to our mediators XXXX XXXX After I spilled my heart to XXXX I found out they were sued for a misrepresentation issue. XXXX I decided to talk directly to wellsfargo because XXXX  had vested interest in the bank. I asked if I could get a loan in my name and they never helped just said no. I told them that the home has an adjacent lot which my father included into the property description, that if sold I could pay almost all the debt. ( interest only mortgage for XXXX and owed at that time XXXX ) they said no which is not right because I can separate the lot and it will kit affect at all the property value as for mortgage purposes. Wellsfargo just wanted me to transfer my home to my mother so they could foreclose. This home was given to me and supposedly free and clear as gift for me donating my XXXX to my older brother and trasferencia my house to him when he was unemployed and almost homeless.
Product: Credit reporting or other personal consumer reports

I have disputed this account : XXXXXXXX XXXX XXXX with XXXX # XXXX Please help me to update the inaccuracy report from my file. I contacted the bureaus and it should be removed but I could not get any help. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a c consumer that the consumer identifies as information that results from an alledge identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete this item as soon as possible!

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

I sent Transunion, XXXX, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been compromised. As a result, fraudulent accounts have been opened in my name. I am requesting that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following account was opened fraudulently and should be removed immediately : XXXXXXXX XXXX Account Number : XXXX ( partially redacted for security purposes ) Date Opened : XX/XX/year> Amount : {$1900.00}
Product: Credit card

I received a notification on XX/XX/XXXX from XXXX XXXX that my CITI Best Buy account was closed, when I called I spoke to 3 people, the first time I was told that it was sent to me via my CITI account, I checked, and nothing. On the 2nd call, the manager ( XXXX ) was so rude that I asked to speak to his manager. Once his manager came on, he told me it was emailed to XXXX. I checked the spam and regular folder in multiple ways, searched by name, date, and anything related to Best Buy or Citi Bank, and nothing. I reached out to the CEO of Best Buy and Citi and spoke to Citi 's corporate team, if I had received notification I would have used my Best Buy card if I would have received notification. I did not receive any notification until the final notification that they are not changing their mind but I can reapply, this not only hurts my credit by closing an account with no notification giving, but opening an account will ding my credit as well. I am opening a business of my own and need my credit to obtain a loan, CITI bank has ruined my credit, I did speak to an attorney, and he advised me before taking legal action to file a complaint first. I have the documentation to provide on what I did receive and my XXXX XXXX notification, which came in XXXX and my account was closed in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of 4 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681.

Account Name1 : XXXX XXXX XXXX Account XXXX XXXXXXXX Account Name XXXX : XXXX Account XXXX XXXX Account Name XXXX : XXXX XXXX Account XXXX XXXX Account Name XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These 4 accounts have violated my rights.

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 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. Code 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 and antedates
the report by more than seven years.

15 U.S. Code 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 reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Student loan

On my PSLF tracker Under ineligible payments : XXXX it is stated that the payment was made out of acceptable time frame and that is not true! I faxed over proof of payments being made on time each month from XXXX. On XX/XX/XXXX I faxed over more than XXXX pages of proof of on time payments for the years XXXX. I never missed a payment because it was auto drafted out from my bank account. So it was never late. There are XXXX eligible and qualified payments not being counted that should be counted! These XXXX payments would bring my count to XXXX ( including the XXXX I already have counted ). Then under eligible but not counted : there are XXXX eligible payments, so divided between my XXXX loans thats XXXX eligible payments per loan, which would put my count at ( XXXX + XXXX = XXXX ) XXXX payments for each loan, which would be well over forgiveness. Why are these payments not counted yet and updated towards my count?? I have turned in all the appropriate paperwork and certified employment etc. and provided proof of on time and auto drafted payments. Never late nor missed a payment. I have called and been told they can see the proof of on time payments and the auto draft paperwork I sent etc and that my account should be updated and all those payments should count etc. but still no change. I have asked about all my employment verification ( XXXX ) ( I have worked for qualifying employers from XXXX to present day ) and have been told that everything is there and done that my account just needs updated and all these payments will count and be added to my tracker. I just dont understand why it is taking months to do so??? I am well over forgiveness if my account would be updated. This is so frustrating especially when each time I call recently I am out on hold for XXXX hours. I have been arguing this and trying to get this corrected for months now. I would greatly appreciate it if someone could just update my account like Ive been told they would do so.
Product: Checking or savings account

Wells Fargo posted a check to my  account on  XXXX  in the amount of {$2900.00}. On  XXXX  {$2900.00} was deposited into my account and I had more than enough to pay the difference.     They claim that it was received on  XXXX . However, everything on their mobile banking states " Posted  XXXX . '' This seems like that game where they re-order the transactions in order to charge at NSF fee. Even though they paid the check out. Which, if the funds were n't there, why would a bank pay out {$2900.00} in overdraft??     They knew the funds were there and had no problem paying the check. The check even " posted  XXXX  '' according to their website. Yet, somehow, the check " withdrew '' on  XXXX  and paid out without the proper funds in my account and they let it through, only to charge me an NSF fee.     Eventually they waived the fee after " educating '' me on their procedures. However, this seems a lot like the stuff banks have gotten in trouble for before.
Product: Credit reporting or other personal consumer reports

Im writing this letter to have my correct personal information reported on my credit report. The information listed is incorrect and I tried contacting the credit bureaus to update my personal information and they keep reporting the wrong information. I have attached my drivers license and current utility bill to validate my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX NC has reported 2 debts ( {$210.00} and {$220.00} ) which were paid and a certified letter with proof sent to them. They also reported a debt of {$550.00} which I NEVER received any correspondence on. The first I ever heard about this was after the credit bureaus informed me of it. I have no contract with XXXX and they are in violation of the FDCPA and FCRA. Something needs to be done about this group and its practices. I want full proof they sent these notices including delivery receipts, which I am sure can not be provided. As such, I expect this and anything from XXXX removed ALL credit bureaus immediately.
Product: Debt collection

On XX/XX/XXXX, Mr. XXXX XXXX, XXXX No. XXXX and Alridge Pite Haan, PLLP filed a lawsuit against me for the old debt that has already been closed or charged off in XX/XX/XXXX regarding the XXXX XXXX Credit Card with XXXX XXXX XXXX  XXXX or XXXX XXXX  XXXX XXXX XXXX. This is illegal for Mr. XXXX to pursue for this old debt that already discharged off or closed account. I received the summons on XX/XX/XXXX for this lawsuit. It is also illegal for Mr. XXXX and the District Court of XXXX County to serve the Summons openly and Mr. XXXX ( XXXX male in his XXXX ) has no rights to see my private information regarding this lawsuit. The summons supposed to serve to me with the seal envelope. This is illegal conduct on their part. Therefore, I am asking the CFPB to investigate this discrimination. I am being protected by the Consumer Protection Act.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Product: Debt collection

UCB ( United Collections ) is stating I still owe them {$570.00} however i payed this in full and they agreed to remove it from my credit history. I have a screenshot from my bank account showing the transaction to them. It was payed on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX Calendar Days have been exhausted from the XXXX XXXX Calendar Day violation ; all negative information must be deleted ( this is the XXXX respectful request with XXXX  % verifiable proof via the CFPB )
Product: Student loan

I made a payment on XXXX XXXX, XXXX to a loan that dispersed on XXXX/XXXX/XXXX. This is within 120 days of the dispersal of the loan. Nelnet applied a portion of my payment to interest on this loan. This happens every semester when I get a bit more than I need on my loan, and I pay back the excess in order to only borrow what we need to borrow. Nelnet consistently tries to cheat us out of some of our money. I have filed 2 previous complaints since I realized that they were doing this, and have been doing it since our first loan was sent to them to be serviced. Every time it happens, I contact them and ask why it has happened, and request that they fix it. They always state that they will fix it, and then they do n't. The last time, they only fixed it once I filed a complaint against them with the CFPB. This time I am being pre-emptive, as I should n't have to follow up with them, after every loan dispersal to make sure that they are doing what is required of them by law. I am attaching a copy of the transcript of my conversation with them today. I do hope that they will follow through, although I will be surprised if they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} Commerce Bank {$2200.00} XXXX   {$2200.00} XXXX XXXX {$300.00}