23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My daughter was in a car accident in XXXX. She was hospitalized in XXXX at their hospital. She was covered by insurance and car insurance. The hospital accepted assignment of the insurance. I started getting bills from " XXXX XXXX. '' The doctor listed on the account was not one of the doctors listed in her hospital file. I was able to obtain, back then, the request from this " provider. '' The hospital went over this document and told me that this doctor listed is not a provider in their hospital. They also provided the hospital bill that showed the procedures done on her. The ones shown were not what was billed. They are trying to collect fraudulent charges based on an accident that happened almost 6 years ago. Besides that, my daughter was XXXX and a legal adult. This does not belong on my credit and needs to be removed immediately. I demand a cease and desist for the continued pursuit to collect on this. I have provided the only documents that I still have after 6 years. The original company declined to pursue it after I provided the paperwork proving that the charges were fraudulent and were not related to my daughter 's care.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Reporting and Demand to Stop All Reporting Activities Loan Account Numbers XXXX and XXXX Dear XXXXXXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting of late payments related to the student loan accounts listed below, which have been improperly reported on my credit profile without my consent : Loan XXXX Direct Loan - Subsidized Balance : {$2200.00} Interest Rate : 3.40 % School : XXXX XXXX XXXX XXXX Direct Loan XXXX XXXX XXXX : {$1600.00} Interest Rate : 6.80 % School : XXXX XXXX The information reported on my credit profile includes late payments that are inaccurate and unverifiable. Specifically, I have noticed late payment entries for months during which my account was deferred. Under the terms of the deferral, no delinquency should have been reported, making the information currently reported on my credit profile false and in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Violation of FCRA and Opting Out of Information Sharing I invoke my rights under 15 U.S.C. 1681e ( b ), which requires all credit reporting to be accurate and complete. Your company has violated this law by reporting late payments during a period of deferment. Additionally, under 15 U.S.C. 6801 ( b ), financial institutions are required to protect and not misuse personal financial information, including Social Security Numbers ( SSNs ). Reporting my SSN without my consent is a clear breach of federal privacy laws.

Violation of Bankruptcy Law and UCC Code Furthermore, under 11 U.S.C. 523 ( a ) ( 8 ), special bankruptcy provisions apply to student loans, yet your company has continued to report late payments and delinquencies as if they were ordinary transactions, which is a mischaracterization of the nature of the loan. The Uniform Commercial Code ( UCC ) under Article XXXX mandates that secured transactions, including student loans, must be reported accurately and fairly. Your reporting practices regarding these loans constitute a violation of both UCC and bankruptcy laws. 

I expect to receive written confirmation that these steps have been taken promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a dispute letter to Equifax as I found a company by the name of XXXX XXXX   reporting inaccurate information on my credit profile. XXXX XXXX was and still is reporting multiple opening dates across the 3 bureaus, so I knew the information was inaccurate. On XX/XX/2018 Equifax responded with an investigation report saying the account has been verified. When I saw this I knew there was no way Equifax did a proper investigation. On XX/XX/2018 I sent another letter to Equifax in response to the investigation letter they had sent me. This letter was an FCRA 611 method of investigation letter in which Equifax would have 15 days to show me their method of how they verified the inaccurate item. I did not receive a response from Equifax in 15 days, so I called Equifax on XX/XX/2018 only to be told by a supervisor the FCRA 611 does not pertain to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am contacting you regarding the unauthorized use of my Social Security number, which has resulted in identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ), and the complaint number is attached for your reference.

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block and remove all fraudulent information from my credit report. The following items do not belong to me and are the result of identity theft : Incorrect Personal Information : Account Number : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX Incorrect Personal Information : Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unauthorized Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Unauthorized Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Identity Theft Fraudulent Accounts : XXXX XXXX, XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Bank Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX  Account Number : XXXX Identity Theft Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In accordance with FCRA 605B, these fraudulent accounts and inquiries must be blocked and removed within four business days of receipt of this request. Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an updated copy of my credit report free of charge after these corrections are made.

Please also notify any third parties who have accessed my credit report in the last six months of these corrections, as required under FCRA 611. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

all the information I sending is about the fraudulent accounts shows on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Request for 1099-C Forms and Account Information Dear Upgrade , Inc. , I am writing to formally request specific information regarding the following accounts reported as charged-off on my credit report : Under 26 U.S. Code 6050P, creditors are required to issue a Form 1099-C for any cancellation of debt of {$600.00} or more. A charged-off debt is considered a cancellation of indebtedness and is reportable as income. Please provide the IRS Form 1099-C for these accounts immediately.

In addition, I request the following information for each account : The date the account was charged off.

The account 's closing date.

The date the account was first reported to the credit reporting agencies.

The date the account was last reported to the credit reporting agencies.

Please provide the requested documentation and information within 10 business days of receiving this letter. If you have not issued a Form 1099-C for these accounts, please provide a written explanation as to why you believe you are not required to do so under the law.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My PayPal account under email XXXX was limited due to a past balance on 2 other accounts that I was not aware of. I immediately paid both accounts upon learning of the balances. The payments were made over a month ago, but my account still remains limited. PayPal continues to refuse to remove the limitation stating that I need to pay the balance. They tell me I have to contact the collection agency that I paid to have them notify PayPal that I've paid. The collection agency tells me I have to contact PayPal. In the middle of all this, PayPal is refusing to remove the limitations on my account despite my providing them proof of full payment of past balances over a month ago. They are holding {$310.00} of my money unlawfully due to these limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I XXXX XXXX enrolled in XXXX XXXX to acquire a certification in XXXX XXXX.As I progressed in the course of study, Unfortunately I acquired XXXX in XXXX. I subsequently notified The XXXX  XXXX. The XXXX XXXX  assured me they would cancel my account. Due to the reports I received I was not going to make it due to my condition. In the XXXX XXXX my account was canceled. But my account was sent to USCB XXXX XXXX Its on my XXXX XXXX XXXX XXXX and XXXX  Reports. I called XXXX XXXX and inquired as to why and how was this done. This collection agency never called me, never tried to reach me I called them asking for validation. Also I asked for itemization of the bill.Never received validation or itemization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  Account Number : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX
Product: Debt collection

On  XXXX   XXXX  I began a payment plan for my   XXXX   XXXX  /Navient student loan. After few months of paying, I got laid and become unemployed for several months, until  XXXX   XXXX  through  XXXX   XXXX .     I paid as I could.     On  XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on  XXXX   XXXX  but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,  XXXX   XXXX  -   XXXX   XXXX   called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The arti cle 805. Com munication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section  16  92b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not co mmunicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Student loan

I applied for a Sallie Mae student loan in XXXX of XXXX. While attending school, I had been making monthly payments to help with accruing interest. I decided to take a break from attending my university before the start of the Spring XXXX semester, because I had an outstanding balance from the fall and I was trying to figure out how to pay for my schooling without obtaining another loan. After my grace period was finished, my full payment amounts had started to be withdrawn through Sallie Mae with no issue. However, in XX/XX/XXXX, I looked at my credit report and realized that I had 2 separate student loans. On my credit report, it showed that I had an outstanding loan through Navient that I " was behind on payments for. '' After a quick XXXX search, I learned that Navient and Sallie Mae used to be one, but had split. I was NEVER informed of this split, never received anything in the mail, and had to do a back payment upfront on the loan through Navient. I am EXTREMELY infuriated that I was not made aware of this split prior to it happening, and that I had to find out about this " late payment '' to Navient by looking at my credit report. My goal was to not have multiple outstanding student loans, and now I have 2 when I only applied for ONE. My main concern is that I was never notified of these circumstances. I would like to be contacted reference this matter.
Product: Debt collection

I am us, XXXX veteran, I wanted to buy a home and I started by checking my credit report, I noticed that the estate at XXXX XXXX apartment has placed my record under collection with 3 credit agencies. I tried to reach out to them to review the matter but I was turned down so many times. I was told I have to make payment for past dues on the rents with utilities. I sent all payments invoices to them to review the payments still I was turned down again and again. The negative report on my credit report has affected my ability to gain a favorable decision with loan lenders, I am asking your office to intervene and review this matter carefully.
Product: Debt collection

they say I owe XXXX dollars from XXXX which I know they are lying because back then I woul have paid it so that tells me they are try ing to scam me. 
the name of collector is XXXX XXXX persons name is XXXX XXXX XXXX phone XXXX I think statute of limitations expired anyway I think they just got my info from another credit card the address they have listed did n't exist In XXXX
Product: Money transfer, virtual currency, or money service

Since XXXX XXXX XXXX, I have been getting the error message : " Sorry, account temporarily XXXX. Please contact support. '' when logging in from my authorized device. My Case ID is # XXXX I have XXXX factor authentication enabled, so am not sure why this happened in the first place. 

I have had no issues with verification and have previously made XXXX purchases on my account. I messaged support via their website on XXXX XXXX XXXX and only received a holding response thanking me for my query, so I called up their support number on XXXX XXXX XXXX, got through after XXXX mins waiting. I was told that I had to " reset my password '' and that my issue had been " escalated to a XXXX ''. They sent me an email confirming this. I successfully reset my password but still have been unable to access my own account. 

Once again, I called support on XXXX XXXX XXXX, got through after an hour, but no support offered beyond reiterating the previous message that my issue had been escalated and I was asked to " be patient ''. No timeframe was given as to when my seemingly straightforward issue would be resolved. 

It 's been over a week now of having a significant amount of money tied up in my account which I can not even access. I am not sure when this will be resolved, will they grant me access to my account in a few weeks / months / years? 

This company seems willing to accept deposits, but does n't allow customers to even access their accounts - this raises questions as to their legitimacy.
Product: Credit reporting or other personal consumer reports

I consistently ensured timely payments, so I'm puzzled by an error in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX service reports a charge thats not mine.I have know contract with this company.I dont know anything about this debt.I didnt give this company consent to share this false information.