23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the emergency room ( XXXX Hospital, operated by XXXX XXXX XXXX ) in XXXX 2015. As prompted, I offered my credit card information to the financial team, and they began billing me monthly, in the amount of {$510.00} dollars. 

I have statements from XXXX indicating every XXXX of these automatic billings, on time, and without any issue. 

However, I have recently received collections notices from a collections agency named " AllianceOne '' which claim to be on behalf of " XXXX XXXX XXXX XXXX ''. This is unexpected, as XXXX XXXX XXXX is still billing me, as expected, for {$510.00} per month. 

I have officially disputed the validity of the debt with AllianceOne, but have received no indication from them of the validity or proof of the debt. I have contacted XXXX XXXX XXXX multiple times ( over phone and email ) and have left messages with their human resources and their financial departments, but have received no response, email or otherwise. 

I received XXXX additional letters from AllianceOne this week indicating a different debt amount, and still no indication that they have received my dispute of debt ( sent approximately the first week of XXXX 2015 ). 

I am concerned that this may be a fraudulent collections attempt, as I am still being charged as expected on the XXXX-month billing cycle for treatment through XXXX XXXX XXXX, and have not been delinquent on any payments. 

Thanks,
Product: Debt collection

XXXXXXXX XXXX,2022 XXXX The account was paid for a card.This is a paid in full acoount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and this complaint due to new evidence. 
I'm sending this complaint because I became a victim of Identity Theft and I have noticed fraudulent activity on my report. I have filed FTC report and included in this package.

I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
These hard inquires are not mine and I never authorized them : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Please remove these items from my report immediately. I know my rights.
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 XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance {$40.00} ; XXXX XXXX XXXX XXXX Balance-
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there I have sent multiple letters to these companies disputing items that I truly believe are incorrect and wrong. Not mine and I truly never had any accounts with these companies before. Yet they keep reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report. 

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address. 

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track. 

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked. 

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian to remove unauthorized inquiries off my credit report. Sent certified letter.
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 in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXXXXXX XXXX XXXX : {$0.00} "
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with old addresses and information not current or accurate on my credit report. 
My name is XXXX XXXX XXXX My SS is XXXX My DOB is XX/XX/XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Debt collection

I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app orally threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights
Product: Credit reporting or other personal consumer reports

I HAVE TOLD XXXX & EQUIFAX THIS ACCOUNT IS PAST ITS 7 YEAR EXPIRATION DATE & THAT THEY'RE IN CLEAR VIOLATION OF THE FCRA LAWS. BOTH REFUSE TO REMOVE IT & DECLINE TO DO ANYTHING ABOUT IT BUT LIE TO THE CFPB TELLING THEM THEY CHECKED W/THE CREDITOR. THE CREDITOR HAS NOTHING TO DO WITH THIS BUT THEY DO NOW AS I INVOLVED THEM VIA THE XXXX & WILL INCLUDE THE FTC IN THIS EFFORT IF NEED BE. SEE ALL ATTACHED. AS YOU CAN SEE THE FTC SUED THIS LENDER FOR ILLEGAL LENDING PRACTICES JUST LAST YEAR! I'M CALLING THEM ON MONDAY TO LET THEM KNOW THAT I TOO WAS A CUSTOMER & SHOULD BE ADDED TO THIS SUIT. I PLAN TO LET THE FTC KNOW THAT THE BUREAUS ARE REFUSING TO REMOVE STALE DATED INFO FOR THIS CREDITOR FROM CREDIT REPORTS. THE FTC WILL CONTACT THE CFPB & THAT COULD INITIATE ANOTHER LAW SUIT AGAINST THE LENDER & BUREAUS! YOU'RE THE ONLY 2 STILL REPORTING THIS STALE ACCOUNT. CFPB JUST SUED XXXX XXXX FOR THEIR POOR QUALITY CREDIT PRACTICES. YOU SHOULD BOTH BE NEXT!!!
Product: Checking or savings account

On XX/XX/2022, there was a check in the amount of {$100.00} where the funds were transfer into the account.at the same time they processed check. However, XXXX return as NSF and I called to have the check paid. I spoke to the representative where she had difficulty understanding what I needed so I ask for supervisor. She said she could reach out to another department help get it paid or she could transfer to a supervisor. Already frustrated I asked for the supervisor and got XXXX XXXX. XXXX XXXX started the conversation condescending and unprofessional which the representative provided the information. Before I could say anything else, he cut me off so I asked to speak to another supervisor. XXXX XXXX said NO, I can not transfer you to another supervisor and if I wanted another supervisor I would need to call back. So I called back spoke to XXXX XXXX that said he was knew and did not know what to do..he said Im confused. He stated he would transfer me to an associate then placed me on hold. XXXX returned to the phone to say the associate says it would be paid since the funds were transferred. At this point, I wasnt comfortable with the information provided. Once again I asked for a supervisor XXXX XXXX which he said he contacted the back office. I do not believe he contacted any back office because I wasnt on hold for no more than one minute. XXXX representatives and supervisors are trained to get the customers off the phones to insure they meet there metrics.
Product: Credit reporting, credit repair services, or other personal consumer reports

possible identy theft. received calls from 2 companies stating someone has tried to open new accounts. called a new one, and they flagged as fraud. we called all 3 credit agencies, and 2 put a fraud alert. however, equifax refused to do it on line or via phone, and demands we send letter with ss, dl copies etc. in order for them to put a fraud alert on my account. they refused to tell us anything except some info was missing from my account etc. This is going to delay a fraud alert with them and may cause futher damage. we are trying to get ahead of this, but they refuse to help except sending personal info by mail. this is prob from the breach of them who we were listed on, and they won't help.

All we want is a fraud alert NOW ... ... .not in another 2 or 3 weeks. Can you help!?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to report a concerning incident that occurred today, XX/XX/year>, at XXXX XXXX CST. I received a call from an unknown number, during which I was informed that I was being sued in a civil case by a company called XXXX XXXXXXXX XXXX XXXX. The caller had an outdated address ( from nine years ago ) and my current phone number but refused to disclose any additional information. They provided me with a case number ( XXXX ) and instructed me to call XXXX. 

Curious about the legitimacy of this claim, I researched XXXXXXXX XXXX XXXX XXXXXXXX and found their official website ( XXXX XXXX XXXX  ). I called their listed phone number, XXXX. When I spoke to a representative, he did not readily identify himself and was evasive when I asked for credentials and company information. He claimed to have my Social Security number and stated that I was being sued by CitiFinancial, a company I do not recall ever doing business with. 

Despite my requests for verification of their credentials, I was met with hostility and intimidation. I eventually hung up the phone after being told that my information doesnt fall from a tree. Upon further research, I discovered numerous online complaints about similar scams associated with this company. 

I am deeply concerned about the potential for identity theft and fraudulent legal actions. I would appreciate your guidance on how to proceed and any actions the Bureau can take to investigate this matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I opened case XXXX with InComm because XXXX of my cards were compromised without my authorization. Despite taking a long time to review, InComm denied my case and provided no real help. Just take a look at their reviewsyoull see how poorly they handle fraud cases ( if theyre not the real scammers themselves ).
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.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 year.

15 U.S.C. 1682 s-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. 

Also they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 


I told XXXX, XXXX, and XXXX to reinvestigate these total of 3 accounts : Account name : MONEYLION INC XXXX, Account name : MONEYLION INC XXXX, Account name : MONEYLION INC 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: Payday loan

I am currently under contract with Big Pucture Loans LLC. I borrowed XXXX XX/XX/2016 and I am still paying on it. It has a apr of 783.0324 % which is outrageous. The total i will pay out will be XXXX. When i went online to find out how contact them a headline stated the company was fraudulent. I then found out they are not authorized to conduct buisness in the state of Washington due to the outrageous APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage loan from Dovenmuehle Mortgage solutions in Illinois to XXXX  XXXX XXXX XXXX XXXX  ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to Dovenmuehle Mortgage solutions IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. Dovenmuehle IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with Dovenmuehle IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inquiries on my credit report from XXXX  and Transunion. My list can go on with dates and CSR I've spoken with. For the past 6+ months I've done everything these 2 credit bureaus have asked. I was told I needed to contact the companies that " pulled these inquires '' I did, I was told with all the inquires that my information wasn't on file. I would call XXXX  and Transunion and then was prompted to place a " fraud alert '' on my account. XXXX  did and Transunion failed to until I called for the 100th time. I was then told I needed to file a " police report. '' I went to the local Police department and was turned away. I then called XXXX  and Transunion and was told that their was nothing the could do. Basically, I needed to leave them and let them fall off. I had NO ISSUES with XXXX  at all they placed the fraud alert and helped me dispute the inquires right away. I had 33 and was able to dispute all but 5. I then called again. I was told by a rep with Transunion to file a complaint through CFPB. I have many on both reports that are affecting my credit score. This is very exhausting and I feel I have no other choice but to file this complaint. Every time I speak to someone, we have such a language barrier and ask to be transferred to a US rep. I'm told that the US office is closed. I'm very frustrated.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report.

Under 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.

Deviation from Metro 2 compliance standards, as outlined in the XXXX, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards.

Your actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.