23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The COMENITY BANK. Calling me every day like XXXX times. Sometimes every singel hour. I tried to pick up several times but they just hang up. They not ringing long so usually I can't even reach my phone to pick up. I tried to block the call but they using like XXXX different number. It's happening every single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 ; According to FCRASection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off and told the credit bureaus to investigate every piece of information on the account for XXXX XXXX XXXX XXXX XXXX XXXX.They stated my account were verified but how is that possible if they did not do the proper investigation according to the law. Also every piece of information on this account are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have credit report showing the inaccuracies.
Product: Credit card or prepaid card

XX/XX/2022 I made a call to my XXXX XXXX debit card call center ( XXXX their phone number is XXXX, is a card issued by XXXX bank. ) at XXXX, I was assisted by a guy named XXXX and the call took 34 minutes, I called here because I was trying to send some money to my sister a couple times so she can take out and it didn't let me it was saying to call to the call center, and I couldn't cash it because I didn't have my card so I told him I didn't have the card right now so he literally deactivated my card and now that my card is deactivated my account is active, he didn't ask for approve to do this, i told him about my situation, there's a hurricane coming to Florida and I need to send this money to my sister for personal important reasons, and he literally deactivated it now I can't do nothing, I don't know what to do, he told me I could choose between 2 options, or go get a replacement to my work 's office ( which is closed right now because of the hurricane ) or ship it and it would take from 5 to 14 days, but none of those options would work for me, and I told him that, so he just didn't want to solve the problem, I just needed that money right now and now I can't do nothing literally. Then after the call ended I told him I wanted to take the survey and I don't know why but it wouldn't let me, it said something like " surveys are not available right now '' but I wouldn't doubt he did that.
Product: Credit reporting or other personal consumer reports

These injuries were unauthorized. 
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, credit repair services, or other personal consumer reports

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX # XXXX Pursuant to XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$740.00}
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( XXXX  ) and Fair Debt Collection Practices Act ( XXXX  ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX TX Account XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : delete the accounts listed ion the complaint as well as send in remedy for the damages done to me as I am XXXX and in a wheelchair and this has caused severe mental distress to me in pursuant to 15 usc 1681n I demand I be invoiced XXXX for the damages done to the address XXXX XXXX XXXX XXXX XXXX Arizona XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my Experian specific credit report that I did not authorize and need removal : XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX my rights Usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of anydebt- 15 us 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 us 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt.
Product: Bank account or service

I receive XXXX income on the XXXX of ' each month. My XX/XX/XXXX XXXX payment was inadvertently sent to the incorrect PNC checking account. I notified my local XXXX office and my bank, PNC. I held a three-way call so we could resolve the matter. PNC was able to locate the funds which was being held in another customer 's account ( name withheld for privacy reasons ), however they only placed a hold on the customer 's account. PNC initially stated that they could transfer the funds to my account, but later explained that the government would need to re-call the funds and re-deposit the ACH ( Automated Clearing House ). However, PNC did not offer a " provisional credit '' which would have prevented additional fees and overdrafts to our account ( my spouse is an account holder as well ). PNC agreed to refund {$660.00} in fees charged to my account if I provided a letter from the government admitting fault. I was able to obtain this letter from the government and it was provided to PNC Bank immediately. However, a lead at PNC decided to rescind the verbal agreement and was only willing to credit my account approximately {$310.00}. XXXX called to notify me of the change in decision. Additionally, I was told that, as a bank, " PNC had to make money too. '' XXXX contacted me several days later and was also involved with the issue of not crediting the agreed upon amount. I recently spoke with XXXX who was extremely helpful and escalated the issue in a attempt to reach my desired resolution. The last conversation I had was with XXXX on XX/XX/XXXX, who only stated, " We are not going to be able to refund any further fees. '' There was no explanation except, " We already refunded fees. '' This is completely unacceptable since he ignored the purpose of my call and the outstanding problem. The major issue are the bank fees which are continuing to accumulate and we have now paid PNC over {$1000.00} in fees which should have been resolved from the beginning instead of compounding the problem. For example, my recent monthly deposit in the amount of {$1900.00} { XXXX was paid to PNC and only {$700.00} was paid to me }. This same issue began in XX/XX/XXXX and has continued through XX/XX/XXXX! PNC should review the way they handle their financial institution along with excessive fees they charge customer.
Product: Credit card

I have noticed three late payments listed on my credit report, which I believe to be inaccurate. I utilize autopay with this company, ensuring that all payments are processed for the minimum amount determined by them. Additionally, I have not received any correspondence or notification regarding missed payments, partial payments, or payments that did not meet the minimum requirement. 

This discrepancy was brought to my attention only through a notification from XXXX XXXX. I also have statements from the company that show no late payments were noted, and all payments were processed without issue. Upon contacting the company, they confirmed that these late payments were incorrectly reported but stated that the only way to remove them was to dispute the entries through the credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into these late payment entries to ensure the accuracy of my credit report. When these entries are found to be inaccurate, I ask that they be promptly corrected or removed, as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts from the same source Us DEPT of EDUCATION that are not mine. Ive recently talk with my lawyer, I then sent an FTC document in as well for transunion to block information I cant be verified. They dont disclose any promissory note with my hand signature there fore its no reason my name and social is tied to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXXXXXX XXXX 30 day late payment over 60 days ago and have not received proper dispute results from XXXX or XXXX XXXX, Equifax sent a response that the account was current and never late but still did not remove the 30 day late payment in XXXX. These errors have left me handcuffed as a young XXXX XXXX who was in the hospital during covid 19 to have these negative reports leaves me at a complete disadvantage and i fell i'm being taken advantage of. 

XXXX responded to me that there was a banking error and they would update the credit beauraus and when they did not I sent in a dispute immediately over 60 days ago and no action has been taken since.
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 to prevent further harm to my credit score. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$940.00} XXXX XXXXXXXX Balance XXXX {$440.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1100.00} I already sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. please verify the accounts above