23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

BANK OF AMERICA Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Product: Debt collection

I have received calls for months from RECOVERY PORTFOLIO. 
All the calls received continue to change phone numbers and I have told them to stop calling and I don't owe anything to anyone. 
THEY CONTINUE TO CALL.. EACH DAY FROM A NEW PHONE NUMBER. 
THIS MUST STOP. 
THIS IS A HARRASSEMENT AND I HAVE CALLED THE LOCAL POLICE, MY CONGRESSMAN.. IT JUST CONTINUES.
Product: Debt collection

Please see the previous response by XXXX XXXX. They stated they updated the amount owed on my credit report, However, they only submitted to XXXX and not the other two credit bureaus. Additionally, they did not accurately report the date of the debt to any of the credit bureaus. They are reporting the recently occurred, when the debt is from 2017 and they recently purchased it. The dates and amount owed should be accurately reflected to all XXXX credit bureaus. See attached.
Product: Debt collection

MRSBPO calls me almost every weekday while I am at work. I have blocked several numbers on several occasions and still continue to get calls from different numbers in a matter of days. These include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] HIGHEST BALANCE {$810.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________________________________________________________ [ XXXX XXXX XXXX XXXX ] Highest Balance {$130.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________________________________ [ XXXX XXXX XXXX ] Other {$760.00} Original Lender XXXX XXXX  Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______________________________________________________________________________ I request that you provide me with validation of this debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Additionally, I want to bring to your attention potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ). Medical collections are subject to strict privacy regulations, and I believe that this collection may have been reported in violation of my rights under HIPAA.

As required by law, you must provide me with the following : Proof of Debt : I demand a complete validation of this alleged debt, including a copy of the original contract or agreement that shows I am legally obligated to pay this amount. 
Account History : Provide a detailed account history, including all payments made and any documentation that substantiates the validity of this claim.

Creditor Information : Identify the original creditor and provide their contact information.

HIPAA Compliance : Explain how you obtained my medical information and confirm that my rights under HIPAA have been upheld in this reporting. 
You have 30 days from the receipt of this letter to respond with the requested documentation. If you fail to provide this validation within that timeframe, I expect the immediate removal of this collection account from my credit report, as it will be considered unverified. 

Please be aware that any further reporting of this collection without proper validation, or any disclosure of my medical information in violation of HIPAA, will be seen as a violation of my rights and may result in legal action. 

I expect your prompt attention to this matter. All correspondence should be sent to my address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. After reviewing my consumer report, I noticed that there are reported late payments on an account with XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I would like to clarify that I have never been late on this account and have always made my payments on time. 

Consumer reporting agencies have a critical responsibility to report customer information accurately and fairly. Incorrect information such as this can significantly affect my XXXX XXXX and hinder my efforts to repair and maintain good credit standing. 

I kindly request that you investigate this matter and correct the inaccuracies on my credit report. Please provide feedback regarding the outcome of your investigation, as this erroneous information adversely impacts my credit rating. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

Been trying to access my information since XX/XX/XXXX. Several attempts to get consumer disclosure report from this DATA HARVESTING company, always get letter, no report. 
Call made today XX/XX/XXXX to inquire about this report. 
They are providing unverified data which has seriously affected me as a consumer. Raised my insurance rates and resulted in canceled insurance policies. 
Several inaccuracies being reported by this data harvesting company that do not belong to me, names, addresses, phone numbers, claims that do not belong to me and claims that have other people 's names associated to them. 
Submitted disputes with phone personnel today. CASE NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX*** XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX ( XXXX ), opened cell phone acct with XXXX in XX/XX/2013. 
I had little to no service with their cell phone for two months, I believe. I called several times and complained of bad service, finally talked to a supervisor that agreed to cancel contract. After cancelling I recieved another bill and refused to pay it and then they added on late charges.
Product: Credit card

XX/XX/2023 around XXXX pm my BOA VISA card was stolen at LIFE TIME XXXX in XXXX, NC about XXXX pm BOA call me about XXXX dispute at XXXX {$640.00} at that time I found other XXXX credit cards ( XXXX, XXXX ) and BOA debet card were stolen. 
all of cards were canceled and received new cards and resolved the froud disput issue. 

But BOA VISA card is still saying I used the card at XXXX XXXX 

XXXXXXXX XXXX XXXXXXXX Crimes # XXXX
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple over draft fees i have incurred.despite having sufficient funds when transactions were authorized. i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$1200.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Checking or savings account

I made a deposit of {$300.00} on XX/XX/XXXX somewhere around XXXX to XXXX XXXX Upon making the deposit, the ATM did not give me a receipt and I recall stepping back looking at the machine as to why I did not get a receipt. I then walked away thinking that maybe the ATM machine was out of paper. On XX/XX/XXXX I checked my account and there was no deposit. On XX/XX/XXXX I checked my account again and there was no deposit. I then contacted the bank to inquire. A claim was filed, but with the wrong date. On XX/XX/XXXX I contacted the bank to make sure they had the correct date of XX/XX/XXXX. I went into the bank on XX/XX/XXXX to sign the complaint and deposit {$300.00} into my account. I was given a reference number. The company sent a letter on XX/XX/XXXX stating they did not find that an error had occurred. I contacted bank on XX/XX/XXXX requesting bank XXXX to audit and review video camera on XX/XX/XXXX between XXXX XXXX. and XXXX XXXX I have spoke w/ bank XXXX several times and I was told that after auditing and reviewing video camera of ATM ( on the right ), a representative in the bank didn't recognize me in the video of the ATM. I sent pictures of myself as well as a screenshot of my location from my phone showing that I was at the bank. I am still being told that after their review of the video it does not show me. I am positive I was at the bank and made a deposit on XX/XX/XXXX. I even had a witness with me because I did not feel safe going in that area alone.
Product: Debt collection

Debt Collection company Americollec t Inc  Loan agency in  XXXX , Wisconsin Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , WI  XXXX  On Monday   XXXX /17    at   XXXX   XXXX   the Company called Americollect Inc. and left a voice message on the Federal Bankruptcy Courts office line. They only identified themselves as a debt collection company with no other identifying information. This company called the previous Thursday    XXXX  /17    at  XXXX  in which I informed them to remove the number from their list. On Thursday    XXXX  /17    I was informed they would remove it and not contact the  Federal  Bankruptcy  Court  again but they did not obviously. I once again have told them to remove the  Court 's  Number but also informed them I would be filing a complaint.
Product: Debt collection

My complaint is with XXXX XXXX phone number XXXX XXXX XXXX XXXX. 
They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX  Credit, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam. 
Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open. 
Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, XXXX XXXX does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file : 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: Debt collection

On Tuesday, XX/XX/2021, I received a collection call from Lightstream ( A division of SunTrust Bank/ now Truist ). During this call, the agent committed numerous violations of my consumer rights. During this call, after I disputed the validity of the alleged debt, the agent informed me further collection activities would continue. I told her tat would be a violation. I told her they have 5 days to send me validation of the alleged debt. Today ( XX/XX/2021 ) is the 6th business after the initial call and I've yet to receive any response, which violates 15 usc 1692g ( a ). 

On XX/XX/2021, I sent them ( SunTrust Bank ) a cautionary notice and invoice for those violations I found. 

I need them to provide me with all documentary materials related to my consumer credit transaction.
Product: Credit card or prepaid card

I had an excellent payment history with Discover card, and in XX/XX/XXXX they raised my limit from {$2500.00} to {$2800.00}. Just 3 weeks later they closed my account simply because a med-ical bill appeared in the collections category.on my credit report. They never gave me a chance to prove that this bill was paid. This ridiculous arbitrary decision by Discover card was totally uncalled for, and they have substantially damaged my credit in the process. I believe Discover card owes me substantial damages for their actions, and any credit card company that does business this way should be shut down.
Product: Credit card or prepaid card

1. Received {$50.00} Vanilla Visa Gift Card as a Gift XXXX, XXXX. Tried to use in XXXX, XXXX. Only {$15.00} available. Checked transaction summary. Charges were made for XXXX XXXX. Was not me. Sent email to Vanilla on XX/XX/XXXX for dispute packet. No response. XX/XX/XXXX cant get any info on gift card - " an error has occurred '' 2. Received {$100.00} Vanilla Gift Card as a gift XXXX, XXXX. Checked balance on or about XX/XX/XXXX. {$100.00} available. Immediately used the gift card as a payment for travel. On XXXX XXXX checked travel info and my payment was rejected. Checked transaction history. XXXX charge to XXXX on XXXX XXXX- this was not me. Have not contacted Vanilla.
Product: Debt collection

I have been trying to contact cavalry SPV I LLC to ask for proof that i owe this credit card debt they purchased from XXXX. they have not provided it to me. i did not open any such credit cards or anything like that
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$33.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$1100.00} FCRA Violation : auto loan not mine XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX {$540.00}
Product: Debt collection

I have noticed a particular phone number show on my caller ID many times over many months.  Due to the societal issue of robocalls and spam I rarely even answer the phone any more.  Today I was feeling in a particular mood to try to call one of these numbers back to see if I can get it to end.  I chose XXXX.  When I got a person I reluctantly confirmed my phone number and name.  The woman on the other end XXXX?  asked me to confirm another household member's DOB.  I told her I was not going to do that. She told me she couldn't tell me why they were calling and I was going to continue to get phone calls.  I said I was not going to confirm information on a household member without knowing why I was doing so and she said "DROP THE ATTITUDE.  You speak to me the way I'm speaking at you or I'm going to hang up and you're going to have to talk to someone else."  I was astounded and this made me more angry.  She asked "Are you going to calm down and talk to me nicely or are you going to hang up?"  Needless to say I hung up and called back and spoke to someone who was actually helpful, XXXX.  XXXX told me that I was calling a collection agency and I was getting calls about a medical bill.  But when he looked into the file, he noticed that there was a XXXX balance, it was paid in XX/XX/XXXX (It is presentlyXX/XX/XXXX!).  He apologized and said he would remove my number.