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

Dear Sir/Madam, I am writing to formally dispute the presence of the following accounts on my credit report, as they are not mine and have been reported without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these accounts be removed from my credit report immediately : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts have been erroneously reported and have violated my rights under the FCRA. Specifically : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : The FCRA stipulates that I have the right to privacy regarding my credit information. The presence of these unauthorized accounts on my credit report represents a breach of this right. Provision of Information Without Consent ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA mandates that a consumer reporting agency can not furnish credit information without my written instructions. The aforementioned accounts were added to my credit report without my consent or authorization, constituting a violation of this provision. I request the Consumer Financial Protection Bureau to investigate this matter and ensure the immediate removal of these unauthorized accounts from my credit report. Enclosed with this letter, you will find copies of my credit report highlighting the disputed accounts and any additional supporting documentation. Thank you for your prompt attention to this urgent matter. Please contact me at the provided contact information should you require any further information or clarification. Sincerely,
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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, credit repair services, or other personal consumer reports

I am unaware of this bill including the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Of The Main Line for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until this 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. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, 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 await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. AmeriCollect keeps reporting to XXXX which is illegal without show validated proof and authorization that I even signed off on this account. This 3rd party Debt Collector has been a hassle. I want this account deleted immediately. The balance is {$230.00} which does not belong to me!
Product: Payday loan, title loan, or personal loan

In XXXX or XXXX, my husband and I were presented an offer of replacing our old windows and doors from our neighbor as a referral. We set up the appointment to meet with the representative and scheduled to have the new glass doors and windows installed. Our payment was set up through Wells Fargo ; at some point, my husband and I were having financial difficulties, that led to the beginning of our nightmare. We were XXXX  with garnishment if we didn't sign up with some program that I never heard of and that program led us to another nightmare of XXXX, but we managed to finally pay off the loan. The program led to more payment with a higher interest rate, and after that experience, we denied any products or services that involved Wells Fargo. I called in several complaints that led to no resolution. Now here we are years later ; yes, I would like to submit my statement to receive compensation from the overpayment of my loan, threats and forcing my husband and me to sign with a program that cost us more money than we initially agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud. 
Someone opened XXXX XXXX credit card stealing my identity. 
Reported balance is {$11000.00} I reported to equifax on XX/XX/23 No action yet taken from both XXXX XXXX nor Equifax. 
Froze all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} 2. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question.

I reached out to each credit agency XXXX, Trans Union, and XXXX and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.
Product: Debt collection

USAA Savings bank credit was called about issue. Issue was resolved for 2 years. Suddenly, bills started appearing again. I do not owe any $ $ XXXX No goods/services were purchased on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on all the credit reporting agency, XXXX, Equifax, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX Equifax Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
Product: Credit reporting or other personal consumer reports

THIS IS MY XXXX TIME REACHING OUT TO EQUIFAX AND THERE ARE FEDERAL LAWS BEING BROKEN. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 

Under the United States XXXX XXXX XXXX XXXX XXXX XXXX a ( XXXX ) Consumer Right to privacy. 

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA XXXX states that these NEGATIVE accounts are misleading false reporting. 

Under XXXX XXXX XXXX - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

Under XXXX XXXX Code XXXX - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Mortgage

I received a letter today XX/XX/2022 from Freedom Mortgage where the letter was dated XX/XX/2022. The letter was to inform me that they had contacted my homeowner insurance company for a copy of the updated insurance policy, and had not received a copy of the policy from XXXX as of the date of the letter. I called Freedom Mortgage to inform them that I had called XXXX today XX/XX/2022 to have the mortgagee clause updated, and that XXXX is to fax over a copy of the policy once their system is updated. I told Freedom Mortgage that I had also uploaded the policy as it is available ( prior to mortgagee clause being updated ) to the website provided. The gentleman at Freedom Mortgage told me that the force placed policy would be cancelled after they receive the updated documents that I uploaded to the site, and that I should not receive any costs associated with the policy. I told him that the regulations require I be informed of at least 30 days prior to force placed policy being applied against my account, and that the policy expired on XX/XX/2022 which was a non-business day, and that XX/XX/2022 is the first business day after the policy expired. 
This would lead me to believe that Freedom mortgage took out a policy prior to the expiration of the existing policy, and did not provide the required timeframes for me as a customer to resolve the matter.
Product: Money transfer, virtual currency, or money service

PAYPAL READ THE DOCUMENT ATTACHED AND PLEASE DONT MAKE A LETTER COPY PASTE LIKE A BOT OR ROBOT. 

I MADE XXXX COMPLAINT BEFORE AND YOU TOLD ME THAT I WILL GET ACCESS TO MY MONEY XX/XX/XXXX WHY YOU MAKE ALL DIFICULT. 

I M REALLY TIRED ABOUT ALL SITUATION MY ACCOUNT WAS LIMITED, WHY YOUR SYSTEM STILL ADDING MORE LIMITATION AND ASKING FOR DOCUMENT. 
I CALLED MANY TIMES AND TEXT MANY TIME I DINT GET HELP. 

i sent many email explain my situation and nobody help or do somenthint for help ME XXXX I JUST WANT YOU DO THE SAME YOU SAID YOU WILL DO NOW
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX. list a XXXX XXXX XXXX XXXX  and bank of america credit card i have never had either one of these. I do have a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank of america card unsure of amount but says late. neither card i have no knowledge of. i have filed disputes. will not remove and they say they were opened in XXXX  but then will say its XXXX XXXX XXXX and it makes it look like this is a new account i am late on. the XXXX XXXX and bank of america have been reported these are not my accounts and it is strange it is just now showing up on my report. i have never been contacted by them.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX  regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXXXXXX have resulted in undue harm to my financial reputation and stability. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My common in XXXX XXXX XXXX got a job in XXXX Texas and rented a place by XXXX XXXX Apartments XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX, US. I was a consigner since she was new to XXXX and did not have any previous history renting apartments in the XXXX. We signed a contract on 6 months basis from XX/XX/XXXX. Since this was a new job we were told one month notice needed if something changes. Because of Covid 19, the contract was cancelled on XX/XX/XXXX and my partner was asked to relocate immediately to XXXX. She reported it in the XXXX property management and was told to get a written proof by the manager. We have the proof that was issued on XX/XX/XXXX th. Rent was paid until XX/XX/XXXX plus there was down-payment kept by the property management. However, now I am getting threats by collection agency and the amount of RENTAUTOMETED COLE of 6048 was reported on my XXXX Credit Report. I believe that this is completely unjustified. My partner has not been living on that address since XX/XX/XXXX. The company got one month payment until XX/XX/XXXX th XXXX plus down payment. Please advise!
Product: Debt collection

To start with, the original creditor was never up front and was very confusing about their fees they were charging me. I would pay a fee and towards the balance but then they would just keep rolling it over every month. I was n't making progress and got under water. After a few months ( and had actually paid off the balance but for the fees it still was n't paid off ) which surprised me. The amount in collection does n't even represent the proper amount of payments that were made. 

They ended up sending me to an outside collection agency but never told me that they were. I never received any Debt Validation letters, nothing showing who actually owned what until it showed up on my credit report under XXXX XXXX. 

The problem with this, is XXXX, along with several other debt buyers have been calling me relentlessly for at least 8 months if not longer. They say that I am going to jail if I do not pay my debt, that someone is coming to my house! They say someone is going to the local court house, etc., it never ends. Sometimes it is a live person, sometimes it is a robocall. 

Their harassment does n't end with me. Some how they managed to find the phone numbers to my mother, both of her sisters ( my aunts ), my brother and my father. They then continued to harass them about me, yelling at them telling them I would be arrested if I did not pay my debt gave random names/case numbers. 

That is a violation of the Consumer Protection laws. No collection agency is allowed to give out personal information to a third party, or harass anyone. 
I am a XXXX individual and this has caused an excessive amount of stress and financial strain.
Product: Debt collection

I never received notice of any debt until I found it on my credit called the company they said if I paid in full the would delete so I paid during that call and they still havent removed it from my credit I tried to call back and get some resolution they told me it would be there for seven years even after I paid and they said it would be deleted Im trying to get a house and its affecting my ability to they are very rude
Product: Debt collection

Plaza services was paid {$200.00} back in  XXXX  of   XXXX  , as soon as I paid them they still had access to my social, and charged more fees, not even a week later. If I were to owe them more fees the agent would have specified that. I believe they are abusing their authority to get money from people that are barely able to pay their own monthly bills. I too also receive public assistance as a supplement because I ca n't just survive off my work income.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX BANK NA # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX sent a debt to collections that were inaccurate and negligent in their administrative processing of the cancellation of XXXX contracts. 

XXXX unbeknownst to me a recurring charge was being billed to me after I canceled the service contract in XXXX for XXXX XXXX XXXX XXXX XXXX The company only canceled XXXX XXXX XXXX. 

XXXX the bill spans from XXXX to XXXX. 

XXXX. I was notified by phone about the collection before receiving written notification from either the gas company or the debt collection agency. 

XXXX. An attempt to escalate the matter was void because the debt was placed in collection. 

XXXX. I am a senior on a fixed income and a gas budget plan. The proposed debt is XXXX. 
XXXX. My credit is threatened. 

XXXX. I was never allowed to appeal the debt before collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, ALLY FINANCIAL, is reporting late, yet it is closed and the balance is XXXX as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lt has a derogatory account on my credit report. the information is wrong because I paid the amount that I owed in full in XXXX of XXXX the account number is # XXXX.
Product: Checking or savings account

PNC keeps sending me a bill from my closed account for the amount of XXXX. I had an overdraft back in XXXX 2017.  They continued to charge me XXXX per day my account was overdrawn which now is the amount stated above. I went into to speak to the branch manger at the XXXX office to correct the isssue an she was very rude. She said they closed my account and could n't reopen because of the fees. 
I am on XXXX and was just award and all my retro was to be deposited into that account. She told me that they are allowed by law to charge the XXXX per day until they either close or you make a deposit. 
I was so upset because I did not know that one of my bills were paid out of that account. I was n't really using it expect to make a payment when I had money in the account. Now they have placed this into collections and feel that there banking practices are a bit high and not be able to change every day. It is more than the normal about of XXXX. 
I was a long time customer and had hardly no overdraft fees ever. To leave me with out a checking account to receive my Social Security Benefits was very poor judgment on them and overcharging fees to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XXXX XXXX, XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Equifax verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, XXXX. I also contacted the New York XXXX XXXX on the same XXXX & was also told that NO ONE from Equifax verified any type of bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many complaints and certified letters to Transunion XXXX and XXXX requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX  Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I created an online dispute XXXX inaccurate account that is being listed on my credit report with this bureau. I requested that the bureau would verify this information and upon seeing that this is indeed inaccurate, I requested that the inaccurate account be removed from my credit report. I provided everything the bureau would need to verify my identity and move forward with my dispute, but the bureau did NOT move forward with this dispute, they did not provide me with a response or with any information to prove the existence of this inaccurate account. This bureau violated my rights under the fair credit reporting act by refusing to cooperate with my request for validation of the information they are listing.
Product: Credit card

It is for my concora credit card for specifically XXXX XXXX. I was billed incorrectly from XXXX XXXX so they refunded me {$410.00} on XX/XX/24. The credit card is paid in full so it is a credit balance on my account. I called XX/XX/24 asking when it would be issued to me thinking within 7-10 business days. NOPE they said 45 days. I was very dissatisfied and then spoke with manager she said it can take up to 45 days for me to get the check in my hand not 45 days to mail out then wait the mailing period. She said to call back Monday XX/XX/24 to confirm on the status, I did give a little buffer and i ended up calling XX/XX/24. The lady then told me it takes 45 days for them to process the check then wait the mailing period AGAIN. I understand " timely '' manner but the fact of waiting 45 days and letting it sit in my account with them is ridiculous and seems extreme, then waiting 10-14 days to receive the check. If it was the other way around they would want their payment, just as I want mine.