23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alliance Collections is attempting to collect a debt that I had already paid. I had a medical bill that was unpaid because XXXX XXXX was sending it to the wrong address. When I found out about the bill, I contacted Advocate and paid it. Despite this being paid, Alliance Collections is calling me several times a day trying to collect.

The contact information for Alliance Collections is as follows : Alliance Collection Agencies , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Collections Department - ( XXXX ) XXXX General Information - ( XXXX ) XXXX
Product: Debt collection

I had a hospital Bill from XXXX XXXX that was fully covered by my insurance. I never owed the money that they tried to bill me for. The hospital had sent my bill to debt collections. After months of talking to the hospital, debt collectors and my insurance the mistake was fixed. I DO NOT owe the hospital any money my current balance is {$0.00} and has been {$0.00} for over a year. I still get calls about paying this bill and Ive tried to send them proof and contact them. The debt collection company has sent me out of service numbers and incorrect emails to send them proof of {$0.00} balance. I get told theyll look into it and I wont hear anything till they call to collect again. My credit score is ruined and my report says I owe money to them still. Ive filed 3 disputes against them through XXXX but only one dispute went through for a partial amount of the bill. The other two disputes I was told to contact the debt collection company where again I was given an out of service number.
Product: Debt collection

I received a notification, Friday XX/XX/2022 from XXXX that a new collections account was added to my profile. The collections account is from a debt buying company I've never heard of, nor have I done any business with. The company is called : Company Name : Stafford Group & Associates Phone number : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX and Fax # XXXX Website : staffordga.com Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX I called the company immediately, after speaking with an XXXX representative ; there was no answer. On Monday, XX/XX/2022, I received a message from someone at Stafford Group & Associates by the name XXXX XXXX I returned the phone call, and things went downhill. The rep from Stafford Grp & Assoc was very rude, mean, and condescending. I asked to speak to someone above him and he would not transfer me to anyone. I then told him that what they were doing is complete fraud, and his response was " prove it ''.
Product: Credit reporting or other personal consumer reports

EXPERIAN REFUSES TO BLOCK ACCOUNTS ON MY CREDIT FILE. I INFORMED THEM I WAS A VICTIM OF THE XXXX DATA BREACH AND SENT SUPPORTING DOCUMENTS. I HAVE DISPUTED IDENTITY THEFT 3 TIMES. EXPERIAN HAS BLOCKED ME FROM BEING ABLE TO DISPUTE THESE ACCOUNT ONLINE WHERE I CAN UPLOAD PROPER DOCUMENTATION AND WHEN I MAIL IN MY DISPUTES EXPERIAN ALWAYS CLAIMS TO NOT RECIEVE CERTAIN DOCUMENTS. I HAVE BEEN DISPUTING THESE ACCOUNTS FOR OVER ONE YEAR NOW AND EXPERIAN HAS BEEN VIOLATIONG MY FAIR CREDIT REPORTING RIGHTS AND ALSO MY PRIVACY RIGHTS. I NEVER AUTHORIZED EXPERIAN OR ANY AFFILIATES OF EXPERIAN TO FURNISH THE FOLLOWING ACCOUNTS BEARING MY NAME, DATE OF BIRTH OR SOCIAL SECURITY NUMBER IN NIETHER WRITTEN OR VERBAL FORM : XXXX ACCT. NUMBER XXXX BALANCE XXXX XXXX XXXX XXXX  ORIGINAL BALANCE XXXX STATUS PAID AND CLOSED XXXX XXXX ACCT NUMBER XXXX  ORIGINAL BALANCE XXXX STATUS PAID IN SETTLEMENT XXXX XXXX XXXX  XXXX ACCT. NUMBER- XXXX ORIGINAL BALNCE XXXX I HAVE NEVER PAID ANY OF THE ABOVE DEBTS IN A SETTLEMENT NOR TO THE COMAPANY. I HAVE ASKED EXPERIAN FOR METHOD OF VERIFICATION FOR THESE ITEMS AND I WAS DENIED THEM EXPERIAN SAYS THEY DONT PROVIDE DOCUMENTATION FOR ACCOUNTS THEY OBTAIN AND I WAS NOT ALLOWED TO ACCESS PAPERWORK IN MY CREDIT FILE. 

EXPERIAN HAS VIOLATED MY RIGHTS FOR ONE WHOLE YEAR. DENYING EVERY FTC REPORT AND DISPUTE THAT I GET AND ALLOWING THESE COMAPNIES TO CONTINUE TO DAMANGE MY CREDIT REPUTATION.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting

Transunion in their closure of XXXX negligently and willfully fabricated a date of XX/XX/2017 when the factual date of initiation was XX/XX/2017.Proof of this is evidenced in XXXX attachments.Giving the CFPB this false date would obfuscate their 30 day FCRA rule violation if it were true.I have reported Transunion to my state 's Attorney General and BBB.
Product: Student loan

I consolidated all loans in XX/XX/2018. AES was still receiving my payments every month and cashing the checks from my chase account. AES had been paid when i consolidated with fedloan. i called them and they told me to call XXXX. XXXX told me to call AES. AES wont refund my money or let me talk to someone in finance. It is the runaround and AES has cashed 19 checks for XXXX out of my account and never applied to the loan because the loan was paid in full by fedloan as it was refinanced. AES kept my money. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX  - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Uplift , Inc An account has been charged off but still continued to report on my credit report a negative XXXX XXXX XXXX  - Account charged off continued to report negatively after they were paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC has been been contacted numerous times, 6 to be exact, over the last 3 years regarding requests to verify two debt amounts they purchased after they were bought from a previous creditor, just before the statute of limitations would have made these debts unable to pursue. The debt amounts listed on my credit report are {$900.00} for XXXX XXXX XXXX and {$590.00} for XXXX XXXX. I have sent a total of 6 letters requesting verification of these accounts and have placed multiple calls, the last being Monday XX/XX/2019. 

At no time have I been contacted by this company regarding these accounts despite the fact they continue to update and claim the debts are still owed. During phone conversations, verification of debts owed are promised but never received. I am always told that the information regarding specific dates are not readily available to be given on the phone and would be included in the verification of debt they would send to me. Again, no letters have ever been received. 

These debts are past the statute of limitations for collections and have been disputed through XXXX and XXXX  multiple times. However the creditor continues to provide false information to keep these debts on my report, severely damaging my credit score.
Product: Credit reporting or other personal consumer reports

How is TransUnion investigating when by law only the Consumer can validate the debt. They are not following the law. I have not received anything regarding the investigation about the disputed item
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Debt collection

I have looked at my credit report to find this company who I have never done business with is reporting on my credit. 

Violations listed below A collection can not be listed as an open account A collection is by default past due Date of last activity is not the same they have not provided me with any signed contract showing my signature, a complete payment history, a purchase agreement witht the terms and conditions of that purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. BANK OF AMERICA XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$3500.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXXXXXX XXXX XXXX XXXX -BALANCE {$610.00} -Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXXXXXX - BALANCE $ XXXX Opened XX/XX/XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make and consumer report containing and of the following items of information. Any other adverse items of information. Other than records of convictions of crimes which antedates the report by more than 7 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 in inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a second written request to remove all the inaccuracies and unverified accounts on my report on XXXX XXXX I havent gotten a response back from Experian. I then wrote a 30 day non response letter on XXXX XXXX and still havent gotten a response. These inaccurate and unverified accounts are stopping me from getting a job and a house its very important that I get this removed! I have sent collection validation letters and they dont havent provided and verification to the accounts being on my reports so how is Experian saying they verified the information with the collection company when they didnt. I have not gotten any responses to my dispute letter that was spent. Do not close this complaint until this issue is resolved
Product: Credit reporting or other personal consumer reports

New collections opened in my name, when I should only have collections opened with XXXX, XXXX XXXX and XXXX XXXX. Received an email saying a new collection was opened in my name when I have not opened any new lines of credit. I have been putting in my social security number alot into the portal and phone calls and I am not comfortable with continuously putting my information out there when there seem to be no resolution.
Product: Credit card or prepaid card

I used my Chase Sapphire Card to charge a flight to XXXX on XX/XX/2023 with XXXX XXXX,. 
I had to cancel the trip due to medical emergency. The Chase ID number for the flight is XXXX XXXX. I called Chase to cancel the flight on XX/XX/XXXX. 

I learned through both Chase Sapphire and XXXXXXXX XXXX  that I am eligible for a refund for my trip because of medical reasons and was told by Chase to send medical documentation to XXXX. 
I did that twice on XX/XX/2023 and XX/XX/2023. 
Chase gave me a case number XXXX And a ticket number XXXX. 
I have been calling Chase Sapphire Travel repeatedly since XXXX XXXX and XXXX and they have not acted in a competent matter to get me my refund from XXXX XXXX. I have to use Chase Sapphire to act as the middle person to get my refund because I booked the trip with them.
Product: Debt collection

The collection agency IC Systems is attempting to collect a debt from me on behalf of XXXX for unreturned cable equipment. Firstly, XXXX has confirmed that I did return the equipment and owe them nothing. Additionally, XXXX has told me that IC System is no longer an authorized collecter for XXXX, and is in fact harassing XXXX customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Reporting Agencies have not updated my credit report after XXXX XXXX corrected a hard inquiry that was on my report. This was in error. So need Transunion XXXX and XXXX  to update their records to reflect the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out via certified mail to XXXX XXXX and TransUnion about providing validation for an U.S Bankruptcy  XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provid
e me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I bought a XXXX XXXX from XXXX  in XXXX XXXXXXXX al in XX/XX/XXXX. I financed it through regional acceptance. I had the car 1 month and was in an accident XX/XX/XXXX. I was not at fault per the police report. The at fault partys insurance XXXX paid XXXX check number XXXX and my gap insurance paid XXXX something which left a remaining balance of XXXX dollars. The remaining balance was owed by the warranty dept at XXXX. Fast forward to XXXX and I have my credit ran as Im trying to buy my first home and low and behold a collection account from regional acceptance for XXXX dollars. After several phone calls to regional acceptance I tried to explain that the remaining balance was owed by XXXX per my insurance company and offered to provide proof. Regional acceptance stated Im liable for the remaining balance until they receive a check and that the collection account will remain on my credit report for 7 years. XXXX  in ft XXXX was very diligent in righting their wrong. XXXX XXXX worked very quickly to resolve this issue. They sent a check for XXXX to regional via XXXX  check number # XXXX. Ive called regional acceptance several times to see if they have updated my account so I can have this removed from my credit since this is not my debt. I called and they forward me to the collections dept. when Im forwarded to collections Im hung up on. Ive called and left voicemails for a phone call back. No call was returned. I just want my account in good standing and have Regional acceptance remove the collection debt from my credit report since it was not my debt to begin with and shows it was paid as agreed.
Product: Credit reporting or other personal consumer reports

JPMCB AUTO Failed to ACH my Bank Account timely, Every time I Dispute, JPMCB AUTO response with a generic letter, that they verified that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX Payments were late, JPMCB AUTO never provides those statement. These were due to suspicious activity and fraud activity on the account and consumer is not responsible for JPMCB AUTO security failure or the bank failure to timely credit the account when the money was readily available.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX