23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent certified letters to XXXX, XXXX and Experian via physical mail asking them to help validate some inaccurate information I found on my credit reports. Today is now XX/XX/XXXX and I received a corresponding physical letter from a debt collector, XXXX XXXX XXXX. 

According to NMLSCONSUMERACCESS.ORG this company does not have a license to collect ANY debt in the state of Texas. 

From this physical letter they sent to me, they are in violation of XXXX laws. 

15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code 1692k - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 

These inaccuracies are preventing me from buying a house for my family, purchasing a car so I can be mobile and have some independence.
Product: Debt collection

This lady called me about a settlement offer. She stated that she was from American Profit Recovery a firm that she represents. She want d all my personal information identified by me but I told her that I would need a letter stating what this matter was about. She then proceeded to start yelling and told me I would be going to jail if I did not corporate. I hung up. Then a XXXX XXXX calls later on from the same number and leaves this message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}
Product: Credit reporting or other personal consumer reports

I discovered incorrect personal information on my credit report including an outdated address and multiple incorrect variations of my name. I filed disputes with XXXX, XXXX and TransUnion but have not received a satisfactory resolution.
Product: Credit reporting

XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.
Product: Checking or savings account

We have a business account with citizens bank. They charged an overdraft fee of XXXX. They charged ( 3 ) additional XXXX fees for a total of XXXX. I called the bank on XX/XX/year>, and requested that they waive the XXXX in fees. I agreed to the XXXX fee however charging an additional XXXX in fees is extremely excessive. I spoke with a supervisor named XXXX and she initially said that she would try to waive XXXX. My response was that it should be at least XXXX. She then told me that she could not waive any of the fees as they credited the account XXXX in XXXX for an overdraft fee that was charged. The fee in XXXX should never have been charged and this is why it was credited. My current complaint is regarding the additional XXXX in fees. Citizens bank should not be allowed to charge these fees.
Product: Credit reporting or other personal consumer reports

Lingering accounts with contradictory, nonsensical, and inaccurate information is displayed on my credit reports. Little has changed with Experian and XXXX despite submitting several disputes and also hiring credit repair experts to submit dispute letters on my behalf. Furthermore, the erroneous and lazy reporting an are affecting my status as an XXXX XXXX service member. My security clearance and access is in jeopardy despite working diligently to correct my financial status. I need these dead accounts to be removed as they have become obsolete and irrelevant. Especially those accounts that are 7 years old or more. I XXXX  my country and my unit will need me available for whatever is on the horizon. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXXt.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX closed my bank accounts, which were set up for auto-pay on my two XXXXXXXX credit cards, resulting in a late payment ( s ) which are not reflecting on my credit report. 

I reached out to XXXX, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal XXXX customer since XXXX, Ive never missed a payment. 

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.
Product: Debt collection

Couple of things here. This is directly connected to case XXXX of which you can share the information in each complaint with the other complaint party. 

I have yet another company attempting to claim this same unverified debt. Additionally now this debt - Which I was told went from a physicians office XXXX by Harvard Collections .... is oddly being collected XXXX as an ambulance bill. 

I have asked XXXX companies to provide proof that they actually purchased the debt .... maybe they XXXX work for XXXX as they use outsource collection agencies XXXX companies do, they make pennies on the dollar to our minimum wage - so the company saw that once vendor was collecting the amount wrong and sent it to another vendor? Or they are XXXX collecting the same thing with different descriptions? 

There is fraud all over this. I paid my co pays at the hospital that day, I am not sure why there is now a doctor charge and ambulance charge XXXX for XXXX from the same day with two different debt collectors. 

Additionally when asking for the original invoice, the notification of intent to send to credit collection agency, proof of ownership of the debt ... they guy said I can not provide you with that I can only give you the original invoice and our invoice ... XXXX well obviously I want more since XXXX agencies are trying to collect the same amount. 

So he provided me with two solutions .... 
1. I can just stop calling you and stop trying to collect, how about that? I asked if it would still be on my credit, he said yes, I said that is not good enough. 
2. Then he said I will settle this debt for you for {$150.00}, but refused to send that to me in writing with the requested verifications. How are you going to accept less as a resolution to me wanting verification of debt????? Sounds like a form of bribery to me. 

Then the XXXX manager - each time I asked for the documents I wanted they would escalate my call - told me if you want to verify that they tried to collect this debt, and that they did sell it to us you need to call them directly. You should be disputing with them and not us ... .. which would make my debt validation request pointed to the wrong party in the XXXX 30 days ... I think this is illegal. Additionally I am not disputing I was at the hospital, I am simply verifying where they are getting this amount because I have XXXX companies now that have tried to collect under different names. 

There has to be better reform ... how about transferring letters, from the original creditor and the collection agency each confirming they have completed a transaction for this XXXX debted amount. Something tangible, not just a hospital invoice and random collection company invoice ... I could make XXXX of those up and say I am the collection agent who owns the debt. The only thing this validates is that the collection company has my information. You have to come up with better regs around debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me and are appearing on my credit report without my authorization : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX ) - This is a collection account that I never opened, yet it appears on my report. 
It is negatively impacting my credit, and I demand its removal as it is not my debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ) - This account has been paid off, yet it still shows an outstanding balance. 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX ) - I have never had any accounts with this lender, yet it is being reported on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ) - Late payments are incorrectly reported, despite my payment history being on time. I have provided proof of timely payments, but the issue has not been corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Phone : ( XXXX ) XXXX ) - The account was fully paid, yet the credit bureau continues to report an outstanding balance. 

There are hard inquiries on my report that I did not authorize, and they must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Public Records A foreclosure is listed on my credit report, but I have never had a foreclosure in my name. 
A financial judgment appears on my credit report, yet I was never notified or involved in any legal proceedings.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR {$1500.00} Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXXXXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXXXXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account.
Product: Debt collection

National Credit Systems is reporting an account on my credit file that should n't be there. I do not owe The XXXX of XXXX any monies and I have provided this information to National Credit Systems on several occasions. I also asked National Credit System to  provide lease agreement information and validation of debt by letter and also by the original creditor The XXXX XXXX XXXX. National Credit Systems have failed to provide this information on several occasions. I want this debt and account removed from my credit report, this company will call my cell phone and hang up when I answer. It 's against the law to just report a debit without verifying the debt and providing proof. I want to see a balance from the original credit The XXXX of XXXX it will be {$0.00} because I owe them nothing. Please have this fraudulently company remove the following account from my credit files immediately. Can I also file a lawsuit against this company. The will not provide me with a full account number. The partial account number is XXXX amount {$780.00}. National Credit Systems should be investigated and permanently shut down. Please have them remove this account. Please and thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Got a requirement to recertify for my Income Driven Repayment XX/XX/2015. Payments have been lost, payment schedule has changed a half a dozen times finally being put on a repayment profile that is far from the least expensive because half of my loans do not qualify for the new repayment strategy that they charged me fees to get on because they said that the lower repayment rate would pay back the rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax & XXXX  failed to update my account for XXXX account. It was paid in Full and Satisficed. The payments was {$590.00}. Please have them update the payment " in full ''. 

Equifax also gave me XXXX credit score. That is all wrong. I have good payment history and even shows " Exceptional Payment History ''. Please gave them upgrade to a " Higher Score ''. 

My FICO Credit Score is XXXX. How come Equifax is the ( XXXX ) which is low. 

It is because that I am XXXX or XXXX? Equifax is a XXXX Credit Brazeau. Equifax favors XXXX  Race with good, favorable Credit Score. 
This Company must not practice in the " Great State of Maryland ''. The top head at Equifax should be Fired or get training to enlightened about XXXX XXXX XXXX issues. 

I will also report Equifax to the State of Maryland, office of The Attorney General Consumer Protection Division. Equifax should be punished like a spoiled, rude, XXXX Boys. XXXX them good. 

XXXX
Product: Credit reporting or other personal consumer reports

Recently reviewed credit report and noticed some unknown addresses and accounts. Please see attached file of my FTC report. please remove addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXX.
Product: Debt collection

On XXXX the XXXX I received a document stating two invoices with account numbers and amounts owed at a balance of {$2000.00}. On XXXX the XXXX XXXX I wrote to XXXX XXXX XXXX and asked for Validation of the alleged debts they said I owed on five separate accounts. On the XXXX of XX/XX/XXXX the read receipt was signed and sent back to me via USPS. No original documentation, signed paperwork, or anything they had on file pertaining to this account was sent as proof of validation and or verification of the alleged debt ; which was requested in my validation letter along with details of the debt, not just a monetary amount. I sent a 609 letter to XXXX  on XXXX the XXXX XXXX and they responded rather quickly ( XX/XX/XXXX I recieved my response ) having deleted 3 of the accounts ( that the Collection Agency didn't even mention in the return letter but I inquired about during first contact with my initial Validation letter ) but stated the two accounts listed in the  account had been verified and belonged to me. Again, the documentation I requested for proof of validation and what was used the verify said accounts were not given to me by the Credit Bureau either and by law I know I have the right to have valid proof that a debt is in fact my own otherwise it must be promptly deleted and all reporting should seize to any of the three major Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. I have submitted the proper information and I'm attached to verifiable proof where Equifax has has verified that my credit has been affected. I'm asking that you do your due diligence to have all negative items and reporting including hard inquiries be removed from my credit report. I am also contacted XXXX and experience as well. I can be reached at XXXX XXXX XXXX. My email address is XXXX XXXX XXXX thank you. Please reach out to me at your earliest convenience. My name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

I have repeatedly asked this company Receivables Management to provide the contract that I have signed with this company. I do not owe this debt that they have placed on my credit profile. The debt looks like it had an original balance of XXXX XXXX  to date the debt is well over XXXX dollars and increasing every week! Receivables Management is hitting my credit profile each week with negative information and increasing the debt XXXX XXXX  every week. This is illegal and is a direct violation of my rights as a consumer. This company is violating several FDCPA laws and refusing to uphold and operate ethically. Furthermore, I am not responsible for this debt. I am demanding that Receivables Management delete this account from my credit profile immediately as I do not owe this debt.
Product: Payday loan, title loan, or personal loan

This person XXXX XXXX keeps emailing me about a loan I took out but everytime I make a payment I still OWE MORE MONEY. HE IS THREATENING TO TAKE ME TO COURT & IS REFUSING TO SEND ME MY IDOMIZED RECEIPTS FOR ALL THE PAYMENTS I HAVE MADE. ITS ABSOLUTE RIPOFF AND I AM AFRAID THIS COMPANY IS ROBBING ME BY SCAMMING.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 CHILD SUPPORT XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3900.00} ; ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX