23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and XXXX XXXX  XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
Product: Mortgage

I had a mortgage with XXXX, which was acquired by MB Financial Bank shortly after. My wife and I purchased another house closer to work some time later, but we continued to pay our escrow mortgage on the first house until we could sell it. Fast forward 2 years and we have found a buyer for our first property, but to our dismay, it had been burglarized one weekend. I called our insurance company ( after the police of course ) to start a claim, only to find that we did n't have insurance any more with them because the account had been closed " due to non-payment ''. I called MB Financial and they said that the insurance was dropped without a reason so they decided to take insurance out on the house themselves ( I still do n't know the name of this provider ) but of course, the plan did n't include personal property coverage like the insurance I had purchased. Anyway, long story short, I am out {$7000.00} due to this burglary ( they took all of our appliances ) and I see no hope of getting it back ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX : {$2000.00}
Product: Debt collection

I have disputed this debt after seeing it listed on my credit file, this is unknown and I believe it does not belong to me. I have requested validation in my dispute and have received nothing. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX, XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from Nationwide Debt Reduction Services , LLC concerning reducing my credit card balances, ,but i am not sure who these people represent. Are they real or just out to scam me out of my money? I have not contacted them or given them any of my information. Can you help me out?? Date of this pamphlet wasXX/XX/2019., ,credit card debt is {$18000.00}. and settlement is {$8200.00}, ,new proposed program payment would be {$290.00}. thank you.
Product: Credit card

This issue is with Goldman Sachs, Apple Card. 
I have made multiple phone calls to both XXXX and Goldman since XXXX. I have sent four certified mail letters to Goldman 's dispute center. I finally heard from Apple Card on XX/XX/year> with an automated email message that they were opening an investigation on my account and would respond within 90 days. However, the next day ( XX/XX/XXXX ), I received another email message that said my dispute was resolved. The figures they gave were the exact same figures that I am disputing. Their figures are wrong! It feels like they closed my dispute without looking at my claim. 

I'm attaching all the letters I wrote as well as both email messages cited above. I need for you to get confirmation from Goldman Sachs that my dispute is still open and investigation is forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I stopped paying my Aspire credit card due to the loss of wages resulting from the pandemic. I was starting to somewhat recover and decided to contact the credit card company and they agreed that they would lower my minimum due ( Orig. $ XXXX, after pandemic $ 235+ ) I was shocked that they were expecting me to pay that much considering the circumstances. I called and spoke with a gentleman who assured me that my minimum would go back to normal in 24 hours. I checked my account and nothing changed. I didn't think anything since I was told to be patient. I starting making payments - what I was able to which was $ XXXX. sometimes more. My minimum payment due keeps increasing and the fees keep piling up. Instead o my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not provided me with valid verification according to my consumer rights that this account is actually mine. I have sent multiple letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting that Experian show me validation by a signed written contract that this debt is actually mine. They have to date refused to do so. I requested that Experian physically validate this information with this company without any automated XXXX system which is not fair to me as a consumer however I feel like I am being given the run around. The amount of this debt is with XXXX XXXX  and it is for {$12000.00}. To my knowledge I have not even done business with this bank so I need some one to take a look into why Experian is reporting this on my credit report with out a written contract validating this debt claim and why.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries showed up on my reports and I have no idea where they came from. My identity theft report from the FTC and the IRS were recently sent to me.
Product: Credit reporting or other personal consumer reports

The name of the account is XXXX. They continue to report false information to all XXXX credit agencies. This account was closed and paid in full in XXXX  This account was never late nor does my credit report reflect late payments. Yet XXXX has continued to illegally report false information. They had a system wide purge and have XXXX record of me ever even having an account let alone a payment history. I spoke with my account specialist at XXXX and we got to the bottom of it by calling them on conference call the gentleman openly admitted after providing social and credit card number, and date of birth that there is no record of an account. So the XXXX rep questioned why are you guys still reporting false information the customer service rep then hung up the phone. I have also provided all three with an email chain of conversation with Customer Service, stating the exact same thing that they have no record of me ever even have an account this account needs to be removed. It is highly damaging my report. This is an issue that should not be going on when my credit report is highly valued nor do I make late payments on anything. This account must be removed due to the reasons listed above. I have also mailed copies of these emails to the other credit agencies and still nothing has happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process.

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Credit reporting or other personal consumer reports

On or prior to XX/XX/year>, provided harmful information to my Credit Card Company which resulted in my credit limit to be lowered without any delinquency on the account itself. This was done without my written consent in violation of 15 USC1681 b ( 2 ). 
On XX/XX/year>, I called Trasns Union and spoke to XXXX XXXX Senior Supervisor and on a recorded line told me they are acting as an unauthorized third-party in my contract, and have interfered in the performance of contract, they could not provide me with any document with my signature giving them consent nor could they provide me with the contract between myself, trans union and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Care Credit App discloses inaccurate payment deadline information that has now resulted with me being charged late fees and reduced credit limits. I use the CareCredit app which alerts me when my payment is due and Ive always paid my payment on time according to the deadline that states on the app which is by XXXX XXXX  EST. I went to pull up my account this month as I need to take my daughter to the dentist to notice that Ive been being charged late fees and they reduced my available credit limit by almost {$400.00}! I then pulled up the statement in my App account to find out that the statement discloses that the payment must be made bXXXX XXXX XXXX EST which is contradicting based off the App. I contacted them to request a refund of late fees and to get my available credit back to me considering the App had incorrect information and that I was not aware of the XXXX XXXX EST cut off and they were unable to resolve the issue. Their only response was sorry.. well that doesnt cut it! They need to fix the misleading information they have on the App before this happens to others and they need to credit the late fees and credit limit back to me. I feel this is just their way of scamming people. This is NOT okay. I cant take my daughter to get her cracked tooth fixed now. I want this resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to equifax, as well as filed several complaints now through CFPB in reference to incorrect information being reported on my report. Each time I have received a generic responses from Equifax with no resolve. Furthermore Equifax has refused to reinvestigate the incorrect information in my report. There was charge off on my XXXX  XXXX XXXX XXXX  account. The date of first delinquency on this account reflective in the screenshots I have provided in this complaint was XX/XX/XXXX. The account has been reaged on several occasions, due to them reporting a CO on several occasions after it first occurred which is illegal. Once this account became a charge off it became a dead account, and should not have been reported every month thereafter as a charge off or reflect late payments because it manipulates the statute of limitations. After notifying Equifax in writing that they were violating the law they updated the report so that the CO isnt reflective to appear that they are reporting accurate information but they are not. They have without a doubt manipulated the statute of limitation on this account. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should NOT be on credit report AT ALL. It is the bureaus responsibility to report accurate information.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I XXXX have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I called Equifax to follow up on the results of a dispute that I filed based on a fraud claim on which Equifax has my supporting documents on file ( police report, FTC affidavit, ID, ss card, address verification, etc ). The claim on this particular item was originally filed on XX/XX/19 with XXXX. They reported the fraudulent account to XXXX  and Equifax. Both XXXX  and XXXX deleted the account immediately. Equifax did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions