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

XXXX XXXX XXXX, a collection agency, has broken several laws and have Perjured themselves multiple times since they began their efforts to collect XXXX XXXX debts from me stemming back several years. 

I have requested validation of these accounts multiple times prior to receiving this letter ( attached from XXXX XXXX XXXX ) that clearly shows by their own account, that they never had any validation documentation in their possession for these XXXX accounts they have been reporting against me for years, AND, XXXX XXXX XXXX XXXX have routinely broken the rules of engagement that they are required to abide by in contract with the credit bureaus ( Equifax, XXXX, and XXXX ), BY Not maintaining the required validation documents in their possession, in their place of business, and this further proves that they perjured themselves to the credit bureaus time and time again when disputing my dispute of and in the request of validation that I requested from them for one : 1. supporting their even most basic right to collect these accounts against me, and it has all been lied, deception, and possibly a conspiracy with the collection bureaus.

2. Proof to me these accounts were valid before I would pay them if they were valid, and 3. My rights have been destroyed by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX for not supervising such events like this and allowing a rogue collection agency to operate with total disregard to federal and state laws, and 4. Not only violated many rules/laws under the fair credit reporting act, they 5. Violated HIPPA rules/laws when they gained and furnished to me through the US mail along with that letter in reference ( Attached ), what looks to be a form or what XXXX  called in that letter, and looks like a third grader prepared it in on their word processor, a document with the doctors that performed services on me, and even has the services section in clear view, but it was XXXX out thank XXXX!, But, 6. A CLEAR AND PRECISE DOCUMENT WITH HIPPA VIOLATION WRITTEN ALL OVER IT!, 7. And so several years later we finally see their failed attempt to produce validation of these accounts because the pressure was getting hot to produce and they made the worse and careless mistake ever, they 8. Violated my health information privacy rights protection. ( XXXX ). 

9. And, at the same time, threatened, coerced me and referenced laws that do not exist, in an effort to shut me up from disputing those two accounts because the big lies were coming to the surface because was and continue to be diligent in my investigations pertaining to my credit file being damaged for year 's, and in their efforts to thwart me in my endeavors, broke many many Laws, and rules, and have caused me to be sick the entire time.

Why couldn't they be honest and do the right thing/ and they continue even today, to engage in this same behavior with no concern to even me or my health but most importantly ; state and federal laws. Not good!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by XXXX XXXX, XXXX, and Equifax as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All nine hard credit reporting by the three bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX  XXXX XXXX, XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law.

4. XXXX  credit balance paid in full with no balance.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian violates federal law my rights as a consumer.
Product: Debt collection

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from  refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I received an unsolicited offer for the Regions Bank XXXX XXXX XXXX card. I applied for it online and was informed, via eMail on XX/XX/2022, hat I had been approved, and that I should receive the card within 7 to 10 days. 
On XX/XX/2022, while I had no received the card, I got a call from XXXX XXXX, a Regions Bank XXXX XXXX, who wanted to talk to me about opening bank accounts with Regions. 
On XX/XX/XXXX ( almost a month after approval ) I called Regions Bank because I had not received the XXXX  card as promised, and I was worried what might have happened. I spoke to a lady who informed me that they apparently had the wrong address for me. She said she corrected the address, cancelled the card, and ordered a replacement card to be sent. This card has never been received. 
On XX/XX/2022, I again called Regions Bank. Spoke to XXXX at ( XXXX ) XXXX. She stated that she would be cancelling the card in transit, and would expedite a new card, to be sent by XXXX to my address. This was again repeated on XX/XX/2022, when I spoke to XXXX. 
On XXXX XXXX XXXX  ( a full 2 months after approval ) I called Regions Bank and spoke to one XXXX. At first he said the card had been mailed, and then he did find a notation requesting that it be expedited. By then, I had had enough, so I asked that the account be cancelled altogether, that I no longer wanted to do business with Regions Bank ( Ticket Number XXXX ). 
I never got a card. I suspect the offer of the card was just a ruse to try to get my banking business and, since I did not give it to them, Regions just dragged their feet and refused to honor their offer. The harm to me has been done since they pulled my credit which affects XXXX core. It also may affect the decision of other card issuers who might claim that I have been applying for too many cards in the recent months. Regions may be pulling this with other consumers as well. 
My name : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX eMail : XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE OPENED THIS ACCOUNTS FRAUDULENTLY
Product: Consumer Loan

I made a {$350.00} promotional purchase at Lowes in XXXX that offered 6 months of no interest as long as I paid the minimum amount due and paid off the promotional balance in 6 months. I made almost {$3000.00} in payments in the 6 month period to pay down both the promotional balance and my existing balance, and Lowes did not credit any of my payments to the promotional balance. As a result, I was charged several hundred dollars in " deferred interest '' at the end of the 6 month period.
Product: Debt collection

I have no idea what this is for. Never received any communication from this company to dispute this alleged debt or for this company to validate this alleged debt.
Product: Payday loan, title loan, personal loan, or advance loan

This loan was established in XX/XX/2023 ( approximately XX/XX/2023 ) for XXXX  treatment via XXXX XXXX XXXX. The loan was marketed as a XXXX XXXX XXXX XXXX payment plan and is managed by Healthcare Finance Direct. 

XXXX XXXX XXXX has materially breached our contract for XXXX services. Recently, XXXX XXXX XXXX filed for bankruptcy protection. According to my former XXXX XXXX XXXX treating provider, XXXX XXXX XXXX is no longer a legal entity. All global operations have been shut down. In addition, XXXX treatment is no longer available. What's more, I have been advised by my former treating provider to cease any current treatment under the XXXX XXXX XXXX plan and seek treatment with a local provider. As stated above, this a material contract breach. As such, Healthcare Finance Direct is not entitled to collect any further payments on behalf of XXXX XXXX XXXX. If Healthcare Finance DirecXXXX continues collection efforts, I will file an additional complaint with the Consumer Protection Division of the Maryland Attorney Generals Office and/or file suit in state court to obtain injunctive relief to stop any further collections and damages. 

I am attaching emails from my former XXXX XXXX XXXX treating provider as well as notices from XXXX XXXX XXXX and Healthcare Finance Direct.
Product: Checking or savings account

I was just released from prison on XXXX from the Iowa Department of Corrections. I was incarcerated from XX/XX/2020 until then. During that time my economic stimulus payments were deposited into a account I held with Chime Financial , Inc. During my incarceration I sent written correspondence to XXXX XXXX XXXX, XXXX XXXX XXXX CA requesting access to my funds but never got a response. I then was also provided a address of PO Since being released I have come to find out all my account info has been changed and they say that they closed my account. I then was provided a address of XXXX XXXX XXXX, XXXX XXXX, CA which when I wrote the correspondence came back return to sender - unable to forward. After being released I have been getting nothing but a run around from them and they refuse to give me access to my funds. They keep saying to email XXXX, which they just keep saying send pictures holding IDs which I've done several times and even sent them my proof of being incarcerated. I have requested them to call me and they refuse to do so. I need my funds back as I had deaths in the family and we have no money after that.
Product: Credit card or prepaid card

Between 2 - 3 months ago, I applied for a 2nd JPMorgan Chase credit card ( possibly XXXX XXXX ) online, and received message that the company would get back to me. After about 3 weeks, I opened a checking account with JPMorgan Chase, and the branch Banker called the Credit Center to inquire on status of application, but could only confirm the application was received. 

It is now about 3 months, and still no disposition on the application. At time of application, I had less than $ 1k aggregate debt on credit bureaus, over $ 100k income, and FICO scores in the 700 's with all three credit bureaus ( e.g. approx. 740 with XXXX ). 

I believe JPMorgan Chase has violated Section 1002.9-Notification of Regulation B by failing to provide its disposition of a " completed application '' within 30 days. Request your intervention into the matter.
Product: Checking or savings account

XX/XX/XXXX or the XXXX of 2023 someone other than my person tried to open up a business account with my Social Security my government name and current address. Id like to state for the record that it was not me they were turned down. I believe they tried to open it online. However, they have entered my correct address, Social Security, and birthday. I will attach a copy of the correspondence that I received from US Bank. I have put a security freeze on my Social Security number with every credit reporting agency and even XXXX XXXX Somehow they still have been able to pull soft and hard inquiries.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS, L.PXXXX contacted me by phone 2 months ago saying that I owed them {$790.00} dollars for a XXXXXXXX  phone bill that was 7 years old. I told them. I typed up a letter and sent it to them via certified mail requesting proof that I owed them. I also requested they send me the origibal contract with my signature. I mailed the certified mail int he beginning of XXXX. I have not heard from them again, However they reported to the credit companies and now I have this ruining my credit which cause my credit score to drop significantly. I also disputed with XXXX which deleted it but as of XX/XX/2022, XXXX placed it back on my credit report which caused my score to drop again.
Product: Student loan

I obtained a loan from citibank. Without informing me, Citibank sold off half of my loan to XXXX student loans. This has caused a lot of confusion regarding what I owe, and what my minimum payments should be. The minimum payments and interest rates seem to differ between both citibank and XXXX.
Product: Debt collection

On XX/XX/2022 I sent a letter asking to validate the debt they were reporting to my credit report, but I never receive a response. Then on XX/XX/2022 I asked Midland Funding LLC for more details regarding the account to which I again didnt get a response. This has been very stressful. I have right but they are violating them without consequences.
Product: Debt collection

This company is called Credit Management Company, located in XXXX, PA. This company reported a debt ( {$3000.00} ) to my credit report. This debt does not belong to me. I called the company on XX/XX/year> and asked them to provide me the original bill for validation, but they refused. When I called them, they asked my SSN and said that they needed it to access my account. I gave them, and now they have my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Macys to make a payment in XX/XX/XXXX and was forwarded to an XXXX system where I provided my bank routing and account number. I believed the payment was complete after entering in all of my information. The purchase I made was after the billing cycle in XXXX and would have been on XXXX statement. I did not receive a statement in XXXX. I called Macys again and received notification that they had no record of my payment and I was assessed another late charge in XXXX. I went in to the store in XX/XX/XXXX to make a payment of {$80.00} because I lost faith in their telephone payment system. I called on XX/XX/XXXX to confirm the status of the account. I had learned that I was charged another late fee and the balance was now {$110.00}. They processed a name change to my married name, confirmed my email address and physical address. I never received a statement until XXXX. I went in store on XX/XX/XXXX and paid the balance off of {$110.00}. I noticed the late payment was reported to my credit report. I called today and spoke to a credit specialist to dispute this derogatory remark and was told that I didnt have sufficient reason to file a dispute. The agent explained that I received email statement to an incorrect email address that I do not have access to even though I have called to correct my email in the past and requested paper statements. I am unable to confirm valid billing cycles and payment due dates to determine the late fees, and credit reporting. I was transferred to the second supervisor and the Call went silent for several minutes. They did not drop the call but never responded to me asking if they were still there. I hung up after a few minutes of silence. 

XXXX Balance {$76.00} XXXX Late Fee assessed {$29.00} Balance {$100.00} XXXX Late Fee assessed {$40.00} Balance {$140.00} XXXX made an In-Store payment {$80.00} XXXX Late Fee assessed {$40.00} Balance {$110.00} XXXX I made an In-Store payment {$110.00} XXXX Balance of {$1.00} XXXX Balance of {$1.00} XXXX I made and In-Store payment {$2.00} Call History XX/XX/XXXX XX/XX/XXXX XXXX to report a spam caller claiming to be Macys ( XXXX ) XXXX calling to accept late payment XXXX Called to request to dispute the derogatory remark on my credit and was transferred to a credit specialist. The first AgenXXXX XXXX confirmed all of the information above and told me that City Bank was who they used for Collection Agency. XXXX was the Credit Specialist who had access to the Credit bureau and refused to file the dispute claiming I did not have a valid reason. She said she refunded one fee but was unable to remove the derogatory remark. She then transferred to another supervisor who stated that they are unable to change my email address and then went silent. Very unprofessional. The number I called was XXXX and was on hold for XXXX min before the first agent came on the line. Total call time was over 2 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple requests to have the bankruptcy information removed. 

I've asked them to verify it was mine and they sated they were able to verify, but I sent them a XXXX verification letter stating there is no bankruptcy in my report. 

Also sent a bankruptcy court letter stating they dont provide information to credit bureaus. 

So please have them remove from my records. Thanks.
Product: Credit reporting or other personal consumer reports

account number XXXX account XXXX  {$2200.00} I tried multiple times to get this report removed off my credit but nothin happened i even told Experian that they are breaking the law by reporting anything without my consent and going against the privacy act law.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX  Account number XXXX and XXXX  XXXX Bankruptcy reference number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.