23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/2021 Re : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account # XXXX, which you claim This {$800.00} debt is mine ). This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed an inaccuracy in my personal information/name. These remarks has been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my FTC fraud report, FTC report # XXXX to Equifax on XX/XX/2021. I called Equifax on Monday XXXX XXXX first spoke with XXXX, XXXX id # XXXX proceeded to ask her did they receive my FTC XXXXShe confirmed she did receive it. I then stated the pursuant to 15 USC 1681 C-2a, once the report was furnished to them it has to be removed from my credit report within 4 days.Once I stated the LAW to XXXX, she told me the FTC report wasnt real and end ended the call. I called Back and Requested a manager, I then spoke with XXXX id # XXXX. I stated the law and requested to have the fraud removed, he also denied my Demand after seeing himself the fraudulent inquiry from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.
Product: Debt collection

I have a debt with a company that my ex wife works for. I also currently have a garnishment order in place through my employer for the debt. I found out by checking my account balance that the company she works for has garnished my hsa ( health savings account ) which is an exempt account for the debt. My ex wife is the only person that knows about that account since I use it to pay our children 's medical bills. I called the medical facility and was told that she was given account information and receipts of my medical payments. This is a violation of fdcpa procedures and a violation of my privacy to use personal information to obtain payments for my debt. This is not the first time my information has been acquired either. I have also obtained new phone numbers since my debt has been with her company and she has obtained the phone numbers without me providing them to her. My personal information is being shared throughout her agency. I have called and complained already regarding the phone numbers she obtained with no resolve. None of my garnishment paperwork shows anything about my hsa account either.
Product: Student loan

On or about XX/XX/2002 I tried to file a forbearance with then Sallie Mae ( Navient ). I had just had my XXXX child and had not found adequate work to pay my loans. The loans were near default when I called the provider. They promptly sent the paperwork out to complete and return. After doing so the provider let my loans default and when I heard from them again. They used pressure tactics to get me into a rehabilitation program which I signed on and then began to pay the payments to which I could not afford. I ended up having to sell my house and move which is when they were not able to find me and I let my loans slip into default again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EQUIFAX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian continues to report a collections on my report that they have been reporting over XXXX years from XXXX XXXX for {$6100.00}. It should be removed after XXXX years
Product: Debt collection

XXXX XXXX XXXX, XXXX keep harassing me and my daughter about a old debt from 2004 that was charged off by Capital One prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was removed and now showing again.
Product: Credit reporting or other personal consumer reports

What happened? 

I am filing this complaint because XXXX continues to report three student loan accounts on my credit report without my explicit consent. Despite my requests to have this information removed, they have refused to comply. This unauthorized reporting is negatively impacting my credit score and overall credit report.

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent.

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used.

3. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.

4. 12 CFR 1002 - Regulation B - Implements the Equal Credit Opportunity Act and requires creditors to provide notice of the adverse action, including the specific reasons for the denial. This ensures transparency and allows the applicant to understand and potentially address the reasons for denial.

5. 20 U.S. Code 1232g - Family Educational Rights and Privacy Act ( FERPA ) - Protects the privacy of student education records. This law limits the disclosure of such records without the student 's consent.

6. 15 U.S. Code 1691 - Equal Credit Opportunity Act ( ECOA ) - Prohibits creditors from discriminating against any applicant with respect to any aspect of a credit transaction based on race, color, religion, national origin, sex, marital status, or age. It ensures that all applicants are treated fairly and that decisions are made based on consistent criteria.

7. 15 U.S. Code 1691a - Definitions and rules of construction - Defines key terms and sets forth rules for interpreting the ECOA, ensuring that the rights and protections afforded to applicants are upheld.

8. 15 U.S. Code 1602 - Definitions and rules of construction ( Truth in Lending Act - TILA ) - Provides definitions and rules for how the Act should be interpreted, including terms like " creditor '' and " credit sale, '' ensuring that all credit transactions are conducted fairly and transparently.
Product: Credit reporting or other personal consumer reports

XXXX unlawfully allowed Transworld systems to report on my consumer report without my consent. I have never been an any written or oral financial relationship with Transworld. I have sent a debt validation to both parties and both have failed to provide any information about this unverified fraudulent debt.
Product: Debt collection

XX/XX/XXXX- received a call from a collection agency for an attorney. The collection agent had my full name, date of birth and full social security number. The actual debt was my daughter in law who I have no contact with her or my son by their chose. After explaining it was not my debt and I wanted to know details, she told me this information. The debt was originally taken XX/XX/XXXX in the amount of {$1400.00}. The original Debtor was Western Shamrock and then sold to XXXX XXXX XXXX and then to XXXX XXXX XXXX XXXX XXXX, in which she was a collector for that company. The collection agent stressed that I needed to pay immediately the amount of {$900.00} and then go to the police station and file charges on my daughter in law. After explaining I do not have that amount of money, she lowered it to {$510.00}. She told me that if it wasn't paid right then then the attorney 's would file the suit against me and take any measure to secure the payment, lien on my house or freeze my bank account and more things along that line. She could see that my credit was good and she didn't want this to be a bad mark on my credit so I needed to pay immediately. I would not pay without speaking to my husband and us trying to contact our son. I was finally able to get off the phone with her, without just hanging up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed several creditors that I was not familiar that all date back to XXXX per my credit reports. I reached out to Transunion and XXXX in regards to the following accounts : XXXX XXXX XXXX   XXXX I requested to have these debt validated citing FCRA and FDCPA as a reference in XXXX. Per USPS tracking # XXXX and # XXXX these were both delivered on XX/XX/XXXX. Specifically, I requested they validate the information and provide with copies of any documentation associated with this account, bearing my signature. This exact language was used. To date, I have received updated credit reports showing the accounts in question have been " updated, '' but I have not received the requested proof of debt along with any documentation bearing my signature.
Product: Credit reporting 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/block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX business days after the date of receipt.
Product: Debt collection

I have a lot of Medical bills on all XXXX of my credit report that do n't belong and i have been trying since last year to have them remove plus other fraudulent stuff that has been removed and put back on my credit i do n't know what else to do so i am going to download all the information i have!
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Debt collection

I was enrolled in a settlement plan that would resolve 50 % of my debt if I made XXXX on time payments of set amounts. I have requested written documentation and documentation sent via email on XXXX separate occasions before closing. I was told that a letter verifying the settlement was sent on XXXX of those occasions and the letter was never received. I have confirmed my address multiple times and I'm still receiving bills from this company. I made my final settlement payment in early XXXX and they are still refusing to send me email confirmation of the account closing but have supposedly sent out another letter.
Product: Debt collection

I Recieved a Wage garnishment for this credit card account on XX/XX/2018 that i did not open and was a result of identity theft. This company took out {$1000.00} from my check and i would like my money back. XXXX XXXX XXXX-ACCT XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX. On XX/XX/2020 I received a CC statement with a " XXXX XXXX '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe XXXX any additional funds. However, my account accrued prorated daily interest onXX/XX/XXXX-XX/XX/XXXX2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and XXXX did send me an email, which I later realized. However, as an XXXX XXXX XXXX during Covid-19, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to XXXX in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because XXXX is claiming there was no banking error they will not change the delinquency reporting. Because XXXX will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if XXXX reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.
Product: Debt collection

I signed up for XXXX XXXX in XXXX and used a landline account from then until XXXX. Dial XXXX to call. We came to the conclusion that it would be preferable to try a different provider because of the poor online services, the abundance of schoolwork, and the infrequent ability to submit assignments because of slow internet and internet breakdown services. I told XXXX over the phone that I was terminating my service with them. They made an effort to bargain with me for a cheaper price, but I refused and kept my ground. After that, they sent me a bill for {$130.00} that was still owed, which I settled. I signed up for XXXX XXXX  services a week ago ; I am still a customer of theirs and have never missed a payment. 
Three years after terminating my subscription with XXXX, a bill alleging that I owed them {$0.00} cents showed up in XXXX. We resolved the bill when I called back. I told the man with an Indian accent that I owe them nothing and that he should stop scaring and harassing me until I received a second bill in XXXX claiming this time, {$90.00}. This is stealing. He then made me feel threatened before hanging up. To my amazement, nine years after formally closing my account with them, I am still " owing '' an internet bill from the same firm. 
I saw that my account had two phony phone numbers generated. One of the phone numbers used by the phishing collecting company known as transworld systems inc for {$270.00} is also attached, along with XXXX, XXXX, and a number that I had given to a friend since XXXX before she relocated to the XXXX in XXXX.