23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is for the company CCB XXXX ( CCB stands for Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$410.00} ; XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to the FCRA law 15 U.S.C. 1681 ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information.-Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is * medical information.

* an individualized list or description based on the payment transactions of the consumer for medical products or services ; or C ) an aggregate list of identified consumers based on payment transactions medical products or services.

* 15 US Code 1681 ( 4 ) Limitation on redisclosure of medical information-Any person that receives medical information pursuant to paragraph ( 1 ) shall not disclose such information to any other person, except as necessary carry out the purpose for which the information was initially disclosed, or otherwise permitted by statute, regulation, or order. 
The medical bill for XXXX should not be on my credit report.
Product: Debt collection

I am opening up a new complaint as Vance & Huffmans response to my first complaint was inaccurate and misleading. Vance & Huffman to this day ( XX/XX/year> ) has yet to send me written notification as to who they are. They claim to have sent me notification on XX/XX/year> and I told them they did not ; I asked them to simply re-send what they claim to have already sentthey have not. I have checked my spam email and my inbox, there is nothing from Vance & Huffman. They also have my physical address to mail items. If they truly sent something, it should be easy to simply re-send yet they have not. I do not know who this company is, I have no documentation as to name, mailing address, when alleged debt was obtained by Vance & Huffman, account numbers, nothing. I had never heard of this company until I received a credit report alert on XX/XX/year>. It is my right to receive validation information within 5 days of first contact ; I have never been contacted by this company. I had never heard of them prior to receiving a credit report alert which prompted me to contact them. I have no emails, I have no voicemails, I have no physical mail. I do not know who this company is yet they placed a collection on my credit report. The online reviews of Vance & Huffman suggest that this is a practice they repeatedly engage in ; to place collection accounts on credit reports without having sent information on debt collection rights and validation.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding a dispute I have raised with XXXX concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted XXXX to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, XXXX has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that XXXX promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I 'm told by US Bank Mortgage that they have n't reported received the identity theft affidavit. I mailed it to Customer Service Fraud Department on XX/XX/XXXX. It was sent to XXXX KY per their request. I notice my name have been changed to XXXX XXXX XXXX. I was told it was received onXX/XX/XXXX. I was told a letter would be sent to me on XX/XX/XXXX concerning payments made to the insurance companies by U S Bank Mortgage. I have n't received any mail. I requested information concerning property taxes paid by U S Bank Mortgage.
Product: Credit card

On XX/XX/ I reported a fradulent charge against my bank in the amount of $ XXXX on XXXX The name of the merchant was shown as XXXX XXXX. According to Chase Bank the charge was made with a physical chip-enabled card and after an internal investigation, Chase has refused to reverse to fee. 

My wife has been hospitalized for almost one year and her card was in her purse at our residence all of that time. Nobody had access to her card and it has not been out of the house during that time period. 

I requested and received a phone number for the merchant and spoke to her yesterday afternoon. She indicated that she operates a massage business and her records to not show a charge of {$210.00} on XXXX 

Chase Bank says they have investigated the claim and found that the transaction was processed according to the information provided and was authorized.
Product: Debt collection

i submitted a complaint and my Case number : XXXX. Today I received another letter from Legal Recovery law Offices and this time the plaintiff is XXXX XXXX XXXX , XXXX. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the Legal Recovery Law offices numerous times. 

I just want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong amount owed to company this is a car I paid off already needs to be updated
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Removing Unauthorized XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit report from XXXX, XXXX, Equifax. The following eight companies have accessed my credit report without my consent, and I have no associated accounts with any of these lenders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Additionally, I have reached out to XXXX, Equifax, and XXXX to remove these inquiries from my credit reports, but they have refused, directing me to file a report with the Federal Trade Commission ( FTC ). 

These unauthorized inquiries are negatively impacting my credit score and significantly hindering my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling XXXX, Equifax, and XXXX to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter is crucial for my financial well-being, and I appreciate your assistance. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm writing about a concerning issue with my credit file. I've discovered a collection entry from your agency that I was never notified about. I have serious doubts about the validity of this claimed debt. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide the required validation and address this issue appropriately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, KS XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Formal Complaint Against Equifax for FCRA Violations Dear CFPB Representative, I am submitting this complaint due to Equifaxs continued failure to properly investigate, verify, and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes since XX/XX/XXXX, I have yet to receive proper documentation of their investigations, and the inaccuracies remain unresolved. 

Key Issues : 1. Failure to Conduct a Proper Investigation : Equifax has ignored its obligation under FCRA ( 15 U.S.C. 1681i ) to conduct reasonable investigations into my disputes. Instead, Ive received generic form letters that fail to address the specifics of my concerns. 
XXXX. Inaccurate and Unverifiable Information : Multiple accounts remain on my credit report with inaccurate information, such as incorrect balances, payment statuses, and open/closed account statuses. Examples include : XXXX XXXX XXXX XXXX ( Account # XXXX ) : Shows an inaccurate balance and charge-off. 
XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX Incorrectly reported as open with a balance I do not owe. 
XXXX XXXX XXXX ( Account # XXXX ) : No verification provided to substantiate the reported balance. 
XXXX. Exceeding the 30-Day Investigation Window : Under the FCRA, Equifax is required to complete investigations and provide written results within 30 days. My disputes have been pending since XX/XX/XXXX, well beyond this timeline. 
XXXX. Failure to Provide Verification : Equifax has not supplied any evidence showing how these accounts were verified. Requests for documentation proving the validity of these debts have gone unanswered. 

Impact on Me : These unresolved inaccuracies have caused significant harm to my financial standing, including denial of credit, higher interest rates, and reputational damage. Equifaxs negligence directly violates my rights under the FCRA. 

I have attached supporting documents, including dispute letters, Equifaxs insufficient responses, and evidence of inaccuracies on my credit report. 

This matter must be resolved promptly. If not, I am prepared to escalate further, including pursuing legal action to enforce my rights. 

Sincerely, XXXX XXXX XXXX Attachments : Dispute Letters Equifax Responses Evidence of Inaccuracies
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX, XXXX. Contacted my employer on XX/XX/2020 stating I had a judgement for a debt I had never heard of before. I contacted them phone and email and asked them for any information on this " judgement '' as I had not been served and it was not reported on my credit report. They have continued to contact my employer and harass him over this issue. I have never received any information on this matter directly from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX said I opened an account which is not true I was XXXX  at the time the account is XXXX there number is XXXX I call and can never get in touch with them. This is reporting on my Experian report and I would like this account removed off my report it says I have late payments 90 and 120 days which is not true because it is impossible for me to even open the account in the first place. This is really having a negative impact on my credit report and I would like this resolved!
Product: Debt collection

I have work compensation medical bills from the hospital that these insurance XXXX still havent paid after the judge ordered them responsible. It has gone to collections now and destroyed my credit. I keep providing insurance info and explaining my dispute only to be denied
Product: Debt collection

LJ ROSS ASSOCIATES XXXX XXXX XXXX XXXX XXXX Michigan XXXX Back in XXXX of XXXX, the above collection agency threatened to place a collection on my credit report if I didn't pay XXXX left from an original debt of XXXX from XXXX. I thought the debt was paid in full with the security deposit put down on the XXXX account 5yrs prior. When the rep from LJ Ross informed me that there was still a balance, I was annoyed for getting a call for such a petty amount but paid the debt immediately. LJ Ross still placed a collection on my XXXX credit report a week later, reporting the debt after it was paid. I called to inquire why and it was noted in my account that the female representative didn't like my tone during our phone conversation. Not to mention they reported an erroneous amount/date for the original debt. I disputed the dates and amounts with XXXX. XXXX updated my report with the correct amount, date and paid in full but didn't remove. I've been fighting for 6 years. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Multiple fraudulent accounts appearing on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Earlier this year I had a car breakdown and me and my now ex husband did not have the money to fix it. We went to a car repair place and they recommended the easy pay service. We applied and were told we would have XXXX  months to pay it off before there was interest. Well one they only gave us 60 days no interest which is not XXXX  months and then there interest amounted to XXXX XXXX in interest everyday in less than a year the loan more then doubled. My dad eventually called them on my behalf and they agreed to only a XXXX dollars. If I wouldnt have my dad I would still be paying of this loan for god knows how long.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

I got behind on my car note through Capitol One. I called to find out if they were able to assist me. I was offered a modification loan, but I had to make a full payment. Which wasn't a problem. I called to make the payment on XX/XX/XXXX as agreed upon with the representative, but they had already tried to take the payment by ACH. I specifically told the representative that I would call and make the payment by debit card. I was told when I called in I had to wait for the bank to send the payment back. I explained all over again that I really needed this modification loan so I needed to make the payment. Again he said wait until we contact uou. I stead I called them again the next day XX/XX/XXXX and was informed that the modification loan was not an option at this point. What they did offer was ridiculous and there was no way I would be able to live up to the agreement. I pay XXXX for a XXXX XXXX XXXX and I still owe over XXXX dollars on it.
Product: Credit reporting or other personal consumer reports

All information reflecting negative comments should be immediatey removed. Some if not all accounts say paid in full but yet negative reporting are affecting my lively hood. I will start the arbitration process if this is not corrected. A charge off is considered income, and according to the IRS income is forbidden to be on a Credit Report file. 15 USC 1681 2 AI. I should have received a 1099c for the listed accounts. XXXX XXXX XXXX has received a 1099c for car loan, but still are reporting this information on my credit file. I asked for immediate correction and or deletion of All Charge off Accounts.

Inquries I Never received any tangible items for these inquires listed and ask that they be removed immediately
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX XXXX XXXX XXXX XXXX SECURITY CREDIT SERVICES Account number XXXX and XXXX Re : Cease and Desist Demand for DEBT BY COLLECTION AGENCY Dear, SECURITY CREDIT SERVICES I am writing to formally demand that you immediately cease and desist from threatening letters and calls that you have been engaging in. This conduct is harmful, unlawful, and has caused a XXXX veteran with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Specifically, you are infringing on intellectual property rights, making false claims, and filing lawsuit papers as a collection agency. 

You are hereby put on notice that your actions violate USC 15 1692G did not provide debt validation claim, my intellectual property rights and must stop immediately. If you do not cease and desist from these activities within, 14 days from the date of this letter, I will have no choice but to pursue all available legal remedies, including but not limited to filing a lawsuit and seeking monetary damages, injunctive relief, and any other appropriate legal actions.

To avoid further legal action, please confirm in writing within 14 days that you have ceased and desisted from the aforementioned conduct and that you will not engage in any such conduct in the future. 

If you have any questions or wish to resolve this matter amicably, please contact me at XXXX or XXXX @ XXXX. 

This letter is written without prejudice to any other legal remedies or actions that may be available to me. 

Sincerely, XXXX XXXX
Product: Mortgage

Home insurance not being paid by escrow account. I have already contacted your agency and am now receiving phone calls with unknown name on caller ID, first no message then message no name no ID number to call Loancare. After several attempts and being on hold for up to 45 minutes am being told that you contacted them and they are looking into issue. We are receiving by mail that we do not have homeowners insurance, do not have flood insurance and offers to refinance with them. We are lucky enough that we have closed on a refinance ( at our expense ) so we do not have to deal with them. We now are left to fight to get our escrow account with them refunded to us. 
Especially during these times Loancare 's predatory insurance programs are hurting many consumers. 
How can we get help to get our refund of {$2800.00} from our escrow account.