23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that MEADE & ASSOC # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from my doctors office but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and SelfXXXX apparently did an Hard inquiry on my credit report without my permission.

Common violations of the FCRA include : Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits.

Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity.

Screenshot attached.
Product: Checking or savings account

The company is either you or Lexington law Ive tried cashing the XXXX. The check cashing said they were owed money by or Lexington. I tried XXXX and the XXXX both said the check would not be reviewed. Also I went from XXXX min to XXXX min waiting for customer service this is ridiculous how are you going to send a check I cant cash
Product: Debt collection

received an email from a lawyer saying i owe xxx.xx, they said they tried contacting me numerous times with failed attempts. it also states that they were going to withhold my checks and contact my job/references to let them know what was going on. they stated i had 12 hours to reply to set up payment arrangements if not then they would take me to court to pay xxxx.xx. i ended up contacting the said place & they have no record of any loans by me. also looked up address that was on email & found a phone number, decided to call & they mentioned that the address doesnt match where they are located. woman on phone said it was a scam & to report it to you guys.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation for my consumer report regarding some fraudulent activity. There are multiple accounts furnished inaccurately and fraudulently on my report. These accounts have never been verified nor have I ever granted anyone permission to report anything about me. I have never entered into a consumer credit transaction with these companies either. 15 USC 1681i Requires an investigation into these matters before you try to send me an automated response I am requesting a manual investigation into these accounts. XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX. I have attempted to contact these data furnishers and request evidence from them as well and no one was able to provide me with a wet ink signature contract with me agreeing to any terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has wiped all of my accounts from my credit report and reinserted accounts that was previously taken off when I disputed them. Equifax has taken off accounts I did not dispute ruining my credit and credit score. I have several accounts that was on my Equifax that is now no longer showing. There is a XXXX XXXX on my account that do not belong to me that I disputed and it was taken off of my Equifax report and now Equifax has reinserted the erroneous account even after I sent in proof of my address and a copy of my XXXX XXXX report. XXXX XXXX is where equifax states they verify information. I sent equifax a copy of my frozen XXXX XXXX file my self. No one can pull XXXX XXXX because it is frozen due to fraud. The XXXX account is attached to an address that i disputed is not mine and is deleted from my XXXX XXXX report as well. The accounts that DO BELONG on my equifax is : XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX/XXXX, XXXX XXXX, and XXXX. Put these accounts back on my freaking credit. I never disputed them so they should have NEVER been taken off in the beginning. I see a lawsuit coming!
Product: Credit card or prepaid card

Around XXXX 2017, fraudulent charges were made on my Wells Fargo credit card. I disputed these charges to Wells Fargo and was successful in having some removed. However, Wells Fargo has refused to remove a significant portion of the charges, claiming that the signature on the receipts matches the signature they have on file for me. First, when stolen, my card contained my signature -- a signature that even a child could replicate. Second, the signatures are NOT the same. Third, this is the ONLY " proof '' they are going by. The proof is cryptic, vague and inconclusive. Wells Fargo is handing their hat on it to avoid liability, despite touting a zero liability protection benefit. Also, I requested the documentation for the charges they DID remove and they have not provided them to me. 

I disputed these charges in accordance with Fair Credit Billing Act. Not only does Wells Fargo itself promote " zero liability '' protection, the FCBA also affords me similar protection. If all it takes is for a fraudster to create a " similar '' simple signature, the " protection '' is illusory. 

I demand further proof other than a claim that the signatures appear similar. 

I have hired an attorney and the attorney received the same unacceptable generic, unresearched response.
Product: Debt collection

Debt was originally in 2016. It has been 9 years and shouldve been removed 2 years ago. debt continues to be sold and resetting timer on debt. Company debt is for isnt even a company anymore as well.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Collection Account Reporting by XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX regarding inaccurate and potentially unlawful reporting practices on my credit report. I believe these practices violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX  Account Balance : {$7800.00} Date Reported : XX/XX/year> Date Opened : XX/XX/year> Account Status : Open, Placed for Collection Details of the Complaint : XXXX. Balance Discrepancy : The reported balance is {$7800.00}, while the highest balance is listed as {$7700.00}. This inconsistency suggests potential errors in reporting, which directly impacts my credit score. I believe this inaccurate reporting violates FCRA guidelines. 

XXXX. Questionable Collection Reporting : This account was reportedly opened on XX/XX/year>, only XXXX month prior to being reported as Placed for Collection. Reporting an account so quickly without thorough validation raises concerns about XXXX XXXX Internationals adherence to FCRA requirements for accurate and substantiated reporting practices. 

XXXX. Lack of Documentation from Original Creditor : I have not received any documentation from the original creditor, XXXX XXXX XXXX XXXX  verifying the origination, history, and legitimacy of this debt. Under the FDCPA, I am entitled to complete validation of the debt prior to its reporting to credit bureaus. 

Requested Action : I request that the CFPB investigate XXXX XXXX XXXX for potential FCRA and FDCPA violations. Additionally, I ask that the CFPB require XXXX XXXX XXXX to : XXXX. Provide full and accurate documentation from XXXX XXXX XXXX XXXX verifying the debt. 

XXXX. Correct or remove any unverified or inaccurate information currently affecting my credit report. 

Impact on Consumer : This inaccurate reporting has harmed my credit score and may affect my ability to obtain credit. These errors have caused significant stress, financial insecurity, and frustration. 

Please notify me of the outcome of your investigation and any corrective actions taken. Thank you for your attention to this matter and for supporting consumers like myself in maintaining accurate credit reporting. 

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

Commonwealth financial does not have a license to collect in the state of Florida. I have sent a letter of validation that I may or may owe any debt to the company commonwealth financial. Commonwealth has failed to validate any information that includes my signature when this debt became payable or any other requests that I have asked. I also feel that commonwealth financial might also be in HIPPA violation being that this is a medical bill that I may or may not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and in doing so I had to pull my credit reports and found there is an inaccurate item and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 30 days past due twice according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance XXXX  XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account statusOpen XXXX/XXXX  Last reported XX/XX/XXXX {$2100.00} Reported balance Credit limit {$1000.00} You're using 217 % of your account 's limit XXXX Credit limit {$1000.00} Minimum monthly payment {$33.00} OpenedXX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$700.00} You're using 0 % of your account 's limit OVERVIEW   Credit limit {$700.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 7 yrs, 8 mos ) XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX( 8 yrs, 11 mos hese lenders have accessed your credit file : XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

i was recently released from a long XXXX  when i found on my credit report to be suspicious activity or in other words my identity was being use without my authorization. On XXXX  i sent to Equifax, XXXX, and XXXX via priority mail an Identity theft Affidavit, dispute letter and supporting documentation such as Proof Of XXXX. The expected delivery date was XX/XX/XXXX. Also on XX/XX/XXXX i sent dispute letters and supporting documents individually to the creditors XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX with expected delivery dates of XX/XX/XXXX and XX/XX/XXXX. ( after verification with mail carrier it was confirmed that all packages was in fact delivered on their expected dates ) On XX/XX/XXXX Equifax 's system shows that they received the documents. In between that date and the date of XX/XX/XXXX Equifax was investigating the claim. On XX/XX/XXXX Equifax completed the investigation but there were still XXXX accounts on my credit report that resulted from identity theft. Those acounts that were not removed as a result on my SSN being compromised were : -XXXX XXXX XXXX acct # XXXX Balance : {$16.00} -XXXX XXXX XXXX acct # XXXX Balance : {$170.00} XXXX XXXX acct # XXXX Balance : {$0.00} On XX/XX/XXXX I recorded a call with a representative by the name of XXXX who best advised me to file another dispute. So felt with no other options i took the advice of the representative.
Product: Bank account or service

My debit card was stolen once I gave my card I did n't get it back by someone I know I called my bank account told them to freeze my account they did n't. This person wrote my name on a check and everything and did multiple transactions. The person disappeared now I 'm left in debt of {$890.00} dollars and change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a background check for a new job. When I had an interview with the investigator she said that I had some debt that showed up on my credit report. I was unsure why this was so. She recommended I go to XXXX XXXX to check where the debt originated. When I was with her she said I originally owed {$350.00}, but now owed {$93.00}. When I checked out XXXX XXXX  it said I owed {$350.00} to one group and {$93.00} to another group. I tried tracking down the {$93.00} debt, but when I tried looking up the original creditor online it was no longer in service. I tried looking up the other company and got transferred to various people all with different account numbers for the service and different amounts for the debt. I have been scammed and had my identities stolen in the past, so all of this seemed a little worrisome for me.
Product: Credit reporting or other personal consumer reports

Transunion Fail to provide notice of dispute sentence on my credit report its been over 30 days going on 90 this is a super VIOLATION OF MY CONSUMER RIGHTS as According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then 30 days still no update so this a violation of my right delete these account immediately From XXXX XXXX XXXX and even before that NO NOTICE OF DISPUTE was done to my credit delete immediately for this violation. 


FDCPA Section 807 ( 8 ) 807.

False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was charged again for a transaction that I already paid for through the company on XX/XX/2021. I reached out to the merchant and the company regarding the refund. The merchant is willing to fix the refund but the company has not move forward with the dispute since 4 months ago. Ive reached out to the company several times over and over, the only thing I am offered is for someone to get back to me via email that I have not received within 4 month.
Product: Student loan

My original complaint number is as follows : XXXX I satisfied my PSLF obligations in XX/XX/2024. Despite this fact, Mohela is showing I have a balance on a loan that should be zeroed out.
Product: Credit card or prepaid card

On XX/XX/2019 this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 60 days past due for XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Debt collection

This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34
Product: Payday loan, title loan, or personal loan

I have contacted Affirm on several occasions requesting that the information on my account be updated. I have a court-ordered name change. They have refused to update my name on the account, to my current legal name. Please advise, this should have never gone this far.
Product: Debt collection

I am XXXX XXXX and my daughter ( who has power of attorney for me ) is helping me with this complaint. I have a Truist Credit Card and in XXXX of this year entered into a contract repayment agreement. I have made every scheduled payment as required. Everyday, sometimes twice a day, debt collectors from Truist call demanding over {$1000.00} to bring account current. When my daughter and I explain about the repayment agreement they claim they know nothing about it and demand the money. I have told them I have XXXX and this is very confusing to me to talk with my daughter, then they yell at her when she tries to explain the payment agreement. This next part is from XXXX XXXX XXXX, XXXX 's daughter, I believe Truist being aware of my father 's XXXX is using this to try to collect more money in violation of the payment agreement. XXXX XXXX at XXXX has been contacted many times about this situation and has done nothing. Today XXXX calls from Truist.