23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Immediately after three separate failed attempts by a XXXX number exactly 1 minute apart to contact me on my cell phone, my wife got a call from a " local '' number on her cell phone XXXX which she answered. The person was claiming to be XXXX XXXX ( a courier ) that would be delivering law suit paperwork if I did not call XXXX and give them reference number XXXX. So I called the XXXX number listed above and was told that the company name trying to collect was Global ( nothing else " just Global ). They claimed that I acquired a payday loan which now has accrued a balance of XXXX. I asked them what the original loan amount was that was taken out and when it was taken out ( both of which they could not answer except to say, " we ca n't see that on our end '' ). I then asked him for Globals mailing/street address, contact telephone number, debt collection license number, and a validation letter. Once I did this I was asked to be placed on hold. After a brief hold I was then " transferred '' to the complaint department ( to my surprise ). I quickly restated the previous questions in the same order and then the women ( whom never would give me her name ) got angry and told me to do better research on what to ask of debt collectors and then got hung up on. Shortly following that conversation I received a call from a " NO CALLER ID '' and it was XXXX XXXX again. He was threatening to deliver paperwork to my place of employment Envoy ( which is n't even accurate ). I asked him who the debt collector was and all of the same questions to which he had no answers to. He just kept threatening me with being served papers and asking where I was and when he could show up. I told him to come to my house to deliver them and I 'd be waiting for him. He then stated numerous times that he would come to my place of business and ask the president of my company where I was currently even though I had just told him I 'd be at home. I laughed. He then kept asking me if I thought this was a joke etc. I finally said yes I think it is considering I have never taken a loan out and that no one could offer me any sort of legitimate answers to my simple questions. My assumption is that is a total scam. Therefor I am formally filing a complaint in hopes that the CFPB can begin an investigation against this apparent scam.
Product: Credit reporting or other personal consumer reports

Equifax has egregiously violated my consumer privacy rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, Equifax continues to maintain inaccurate and unauthorized information in my credit file, despite previous notification. This includes extensive transaction details that are solely between me, as the consumer, and the companies I do business with. The magnitude of irrelevant transaction data demonstrates Equifax 's willful violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), which strictly prohibits such information.

This ongoing issue was initially raised in CFPB complaint # XXXX, yet Equifax has failed to adequately address it. I have not provided permission for Equifax to access or use my detailed transaction history, which is a clear violation of 15 U.S.C. 1681b ( 2 ).

In response to the CFPB complaint, Equifax stated that the account SELF/LEAD BANK was verified as accurate pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). I am requesting a description of the specific procedures used by Equifax to determine the accuracy and completeness of this account information during the investigation.

Pursuant to 15 USC 1681i ( a ) ( 7 ), Equifax has 15 days to provide me with the requested investigation information detailing the verification procedures used.

As a trusted custodian of sensitive consumer financial data, Equifax has breached its fiduciary duties by intentionally misusing my information. The unauthorized inclusion of my transaction details exemplifies Equifax 's bad faith and negligent handling of my data.

If prompt action is not taken to permanently delete the inaccurate transaction information and comply with FCRA consumer protections, I will pursue legal action to enforce my consumer rights, including seeking maximum statutory damages under 15 U.S.C. 1681n ( a ) for Equifax 's willful FCRA violations.

Equifax must immediately implement stronger data privacy policies and internal controls to prevent further harm. Please confirm receipt of this notice and provide the requested information within 15 days, as required by the FCRA. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX XXXX SS XXXX MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX. 

This is the second time I have file a compliant about the followinginformation below. I am requesting that you promptly delete theseaddresses immediately. I do not believe a proper investigation was don efrom my file through your office. PLEASE DELETE THE FOLLWING XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 XXXX 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im disputing several incorrect details on my Experian credit report that remain unresolved despite a previous complaint, potentially harming my credit profile. The current address shown XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' is incorrect and should be removed. Also, no employer is listed, which is incorrect, as I am currently employed at XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute incorrect information and that credit bureaus are required to investigate and make sure everything is accurate. I believe these personal details violate that standard of accuracy, and Id like some help to finally get this sorted out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed several times as there are many violations with this account : account XXXX XXXX with Experian and XXXX Experian : account XXXX XXXX XXXX : account resolution and collection bureau of {$180.00} These companies have failed so show some type of signature or contract that I have alleged debt with THEM! This is also a violation of my XXXX rights. I have not signed a XXXX XXXX form with the alleged creditors. Therefore, these are inaccurate and XXXX violations and need to immediately be deleted. XXXX laws protect my personal information from being used without my consent. 

Also, these accounts are in violation of the NO SUPRISE ACT! 

Also, these alleged collection accounts are not open accounts and therefore are inaccurate
Product: Student loan

Set up an interested only pymt plan on XX/XX/XXXX with XXXX, initial payment taken on XX/XX/XXXX next was taken out on XX/XX/XXXX. Rec 'd voicemail from acct mgr, XXXX on XX/XX/XXXX stated that the pymt plan there was a problem with it and he needs to address it and if I want his help in protecting my business going forward I need to call him. I called back on XX/XX/XXXX spoke with XXXX who stated that I wasn't supposed to be put on the pymt plan because I just had one XX/XX/XXXX I said ok who's fault is that? It's XX/XX/XXXX go ahead and keep the plan going or start it over, she said she could not do that, I said cancel the pymts and I'll call back because I needed to make another call. Called back and spoke with XXXX who went through the same sad story saying I would not be eligible for the plan until XX/XX/XXXX now and that my options are to pay $ 50+ or $ 80+ to get a different plan I requested a supervisor, XXXX came on the line, questioning everything, said that I could not get a $ 20+ payment and their mistake oh well, I asked for his manager, he claimed none was there, over talked me, said I wasn't getting anything and hung up on me. I called back again asked to speak with a manager Ms. XXXX who allowed me to explain everything, she apologized for the initial rep being incorrect but explained that this lil {$3000.00} loan means nothing in the long run and it's going to hurt me more than it will hurt them, etc when I told her to cancel all future payments. She refused to send me confirmation that the payments were canceled and said that they can not continue to allow me to be on any interest only payment plans period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX services original creditor - XXXX XXXX- {$360.00} Date XX/XX/2023 XXXX. XXXX XXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$690.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  Amount - {$1300.00} Date - XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Blocking of Fraudulent Accounts Pursuant to FCRA XXXX XXXX Complaint Details : My name is XXXX XXXX, and I am submitting this complaint regarding fraudulent accounts that have appeared on my credit report due to identity theft. I request that these accounts be blocked under my rights outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ).

Details of the Issue : I am a victim of a data breach, which resulted in the theft of my Social Security number and other personal information. I became aware of this identity theft after being denied credit by my bank. The fraudulent accounts impacting my credit report are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I have no connection to them. 

Actions Taken : I have submitted a formal dispute with Experian, including : A copy of my government-issued ID and Social Security card for verification.

A copy of my FTC Identity Theft Report.

A copy of my original dispute letter detailing the fraudulent accounts.

Legal Basis for Request : Under FCRA Section 605B, credit reporting agencies are required to block information resulting from identity theft within four business days of receiving the dispute and supporting documentation. Furthermore, 15 U.S. Code 1681c-2 ( a ) mandates the exclusion of fraudulent information from my credit report and communication to furnishers of the fraudulent accounts regarding this action.

Contact Information : Please contact me at [ Your Contact Information ] for any follow-up. I expect prompt resolution as stipulated under the law. 

Supporting Documents : I have attached the following : Copy of my FTC Identity Theft Report Copy of my government-issued ID and Social Security XXXX XXXX dispute letter Thank you for your attention to this matter. 

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

I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account namXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX , XXXX   XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these medical collections account with all 3 credit bureaus, XXXX, XXXX and Experian, after their investigation XXXX and XXXX deleted this account and found that it wasn't verifiable account # XXXX from Company XXXX XXXX XXXX XXXX but Experian found it to be verified and other lies the problem, how did Experian verify this account without breaking the HIPPA law and my rights, I demand another investigation on what methods and documents and person did XXXX XXXX Agency use to verify this account, and if they violated my HIPPA rights to obtain my medical records without my written consent and prove that this account belongs to me, and all balances, dates, are 100 % correct and my name and address and phone number XXXX is correct according to the Identification documents I attached to this complaint or I will take legal action against all parties involved, Thank you for your time.
Product: Debt collection

The # is XXXX XXXX a landline in Alabama giving an XXXX saying that they are Regions Bank attempting to collect a debt. I have NO accounts with regions and even called them gave them the # which keeps leaving messages even though the # is blocked. They have reported this to their fraud department. I owe NO debts to anyone!!! 
I haven't called either of these # 's back as I know this is FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a CFBP complaint # XXXX on XX/XX/XXXX. With a request to remove unauthorized inquiries with FTC report. Equifax did not remove all inquires requested in the report. Due to Equifax breach I would like the inquiries removed that they left ( XXXX ). XXXX XXXX ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX XXXX XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : XXXX XXXX XXXX XXXX  o Experian : XXXX o XXXX : XXXX Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : XXXX XXXX  : {$6900.00} o Experian : {$6900.00} XXXX XXXX XXXX XXXX XXXX High Credit / Credit Limit : XXXX XXXX  : High Credit : {$6700.00} ; Credit Limit : {$5700.00} o Experian : High Credit : {$6700.00} ; Credit Limit : {$5700.00} XXXX XXXX  XXXX XXXX XXXX. Past Due : XXXX XXXX : {$0.00} o Experian : {$0.00} XXXX XXXX : XXXX  XXXX. Payment Status : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : XXXX XXXX XXXX XXXX  o Experian : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. Comments : XXXX XXXX : Charged off as bad debt. Dispute resolved ; reported by grantor o Experian : Account was in dispute- now resolved - reported by subscriber. 
XXXX XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : XXXX XXXX : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXXXXXX XXXX XXXX  : XXXX Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

PNC made a change that will not let me link my XXXX  saving app.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights.

15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Debt collection

This 3rd party Collection agency has Medical Statements that violate the HIPPA Policy which are my medical records. This is a Violation to my rights and my privacy with the hospital and I never agreed to sign for a 3rd party collection company to have my personal medical records.
Product: Debt collection

I was a victim of an identity theft ring who broke into my storage unit in 2015. Shortly after they created multiple shadow identities and secured a loan through XXXX XXXX. When I checked my credit after a notice of charge off I immediately researched and they had a copy of my ID and all my information from files stolen in that unit.They leased an apartment in my name and opened multiple credit cards. I have been attempting to resolve this collection filing complaints with all three credit bureaus and filing two police reports. There has been no cooperation from Exeter at all on this matter.