23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital Accounts LLC : # XXXX Capital Accounts LLC did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named collection agency, should this item not be deleted within the 15 day period allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 


I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear TransUnion, I hope this letter finds you well. I am writing to bring to your attention an error on my credit report and kindly request your assistance in rectifying the matter. 

Upon reviewing my credit report, I noticed that there is an account listed with inaccurate information. The account in question is an installment loan with XXXX XXXX, Account Number : XXXX. According to the information provided, the bank claims that I paid {$2100.00} in interest during the year XXXX. However, I would like to emphasize that I have no recollection of incurring such an expense nor having any association with this loan. 

Given the discrepancies mentioned above, I kindly request that you investigate the matter and take the necessary steps to remove this erroneous account from my credit report. I have enclosed copies of my credit report highlighting the incorrect information for your reference. Additionally, I have included any supporting documentation that may assist you in verifying the accuracy of my claim. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, such as XXXX, investigate any disputed items on a consumer 's credit report within 30 days of receipt of a dispute letter. Therefore, I kindly ask you to initiate an investigation into this matter promptly. 

It is essential for my financial well-being and creditworthiness that inaccurate information is promptly rectified. I trust in XXXX 's commitment to ensuring the accuracy of credit reports and upholding the rights of consumers. I appreciate your attention to this matter and your assistance in resolving this issue as soon as possible. 

Please inform me in writing of the outcome of your investigation and any actions taken to address this matter. Additionally, I kindly request that you provide me with an updated credit report reflecting the removal of the disputed account. 

Thank you for your prompt attention to this request. I am confident that XXXX will handle this matter with the utmost professionalism and diligence. If you require any further information or documentation from me, please do not hesitate to contact me at the provided contact details. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made Equifax, XXXX, and XXXX aware of info that was not accurate being reported in my consumer report on XX/XX/year>. It has been over 30 days and I have been yet to be notified of investigation results. The inaccurate information has yet to get removed from my report. Below is the letter notifying them that they have not complied as well as the original letter sent on XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my XXXX XXXX consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative information that belongs to someone else is on my Equifax Credit report. I reported it to them, they agreed that it was not my information but it is still there. The address is also not mine. It is from a pet hospital. I do n't have a pet.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX sent a paid in full letter. 
XX/XX/XXXX XXXX XXXX XXXX reported to Transunion Credit bureau the account was closed. 
XX/XX/XXXX XXXX XXXX XXXX reported to XXXX Credit Bureau the account was closed. 
XX/XX/XXXX XXXX XXXX XXXX reported to XXXX Credit Bureau the account is in positive : account is current. They did not report the account was closed and paid in full. 
XX/XX/XXXX I spoke with Transunion Credit Bureau which states XXXX XXXX XXXX reports I owe a balance of XXXX, this is inaccurate information. They also stated that XXXX has reported XXXX additional times of inaccurate information after vehicle was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did it again. They fixed prior errors reporting me late, but I paid the mortgages off, so they had to do it again. Specialized Loan Servicing reported To XXXX : 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages To XXXX  : 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages. 

They keep defaming me & wrecking my credit again. This has been since XX/XX/XXXX. I respectfully DEMAND retractions from Specialized Loan Servicing for this abuse and deliberate harassment. I am a senior citizen & my husband is a veteran. 

Again : I have my receipts & their receipts, so what's their purpose. 

THEY NEED THEIR LICENSE REVOKED AND TO BE PUT OUT OF BUSINESS. 

They gave me an ulcer from all of this & cost us substantially financially just so they could keep charging extra fees ( stealing ; criminial conduct ) and trying to prevent us from refinancing. 

I have more supporting documents but your website would not allow me enough space. I will file a separate complaint with those docs
Product: Payday loan, title loan, or personal loan

My line of credit ( LOC ) payment with Citizens is due by the XXXX of the month. It is set-up with a pre-authorized debit payment to come out of my checking account. ( same bank ) The amount due is approximately {$96.00}. Since I began making {$300.00} payments on the XXXX of each month, my pre-authorized payment due on the XXXX has not been debited from my checking account. On XXXX XXXX, my {$300.00} payment was made, however, on XX/XX/XXXX, the bank debited my checking account for the XXXX statement balance of {$96.00}. This is the first time this has happened. 

I called the bank and they informed me that their institution had recently made a change in their loan payment processing systems, It was explained to me that with the changes, anyone making a payment, prior to the due date, that is equal to or greater than the statement balance due, will not prevent the pre-authorized debit payment from being made by their system. 

The rep I spoke with issued a " ticket request '' to the clerical dept for the purpose of over-riding this new process. He said that my {$300.00} payment on the XXXX will be recognized and my pre-authorized debit payment will no longer happen as long as my payments on the XXXX of each month continue. 

While I am satisfied that Citizens will alter this new system process for me, my concern is one of a larger scale for other loan customers of this institution. How can a financial institution require customers to pay more each month than they are required to. If someone pays a debt/loan payment earlier than the due date, haven't they met their obligation for that required payment? I pay many of my other monthly bills before the due date without any issues or additional monies requested or expected. 

Many customers probably live very tightly, paycheck to paycheck. Had this issue happened to one of those customers, there could have been additional financial repercussions for them : i.e. late payment fee and if there wasn't enough money in their checking account, possibly an insufficient funds fee and perhaps other fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has faudulent and incorrect address information " XXXX XXXX XXXX XXXX XXXX , GA XXXX '' showing as one of my former addresses. This was a part of an identity scam in which my postal mail was forwarded to that address. I want that address removed as I never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Tree credit reporting companies was given over 45 days to resolve my complaint. I never received anything from them.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXXXXXX 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

I am writing to address the matter concerning XXXX XXXX and XXXX XXXX. Enclosed, you will find XXXX XXXX 's rebuttal to the judgment submitted by XXXX XXXX. 

It has come to my attention that XXXX XXXX 's actions are not reflected in my credit report. Therefore, I request the dismissal of this correspondence and the case associated with it. 

Attached, please find a copy of my credit report and supporting documents for your reference. We firmly believe that XXXX XXXX 's response deserves thorough review and consideration by the relevant authorities. 

We trust that you will carefully examine the details of this case in an impartial manner. Should you require any additional information or clarification, please don't hesitate to contact me. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report keep saying I have a serious delinquent account, but all my accounts are onetime and nothing is late.
Product: Credit reporting or other personal consumer reports

I currently have an account on my credit report from XXXX XXXX XXXX XXXX, which was sold to NCA, a company affiliated with XXXX XXXX XXXX XXXX. However, XXXX 's Law Group is unable to provide any information regarding the delinquent account, citing an incorrect Social Security Number ( SSN ). I have reached out to XXXX 's XXXX XXXX via email to request clarification and to have the information removed, but I have not received a response. 

XXXX XXXX XXXX has also not removed the account, stating that the debt was sold to NCA. I filed a dispute with XXXX, but they have confirmed that the debt is being reported as accurate, even though no one is able to verify my SSN. 

I am formally requesting an investigation into the actions of Rise Credit of Alabama and XXXX 's XXXX XXXX, with the goal of having this account and the associated debt removed from my credit report due to the discrepancies regarding my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally notify you that my landlord is not adhering to XXXX  state law regarding tenant rights, specifically under the XXXX Code 44-7-13 and 44-7-14. According to these provisions, landlords are required to keep rental properties in a habitable condition and are prohibited from collecting rent for properties that are deemed unlivable. Despite giving my landlord ample time to address and rectify the issues making the property uninhabitable, no solution has been provided. Given these circumstances, I assert that I do not owe any payment for the rent. I kindly request your assistance in addressing this matter and ensuring my rights as a tenant are protected. For the company to do what is fair and equitable to me as a consumer by deleting the items identified.
Product: Debt collection

On XX/XX/XXXX Navy Federal Credit Union deducted XXXX from a joint account I had with my significant other and listed the debit as a DR without notification to me at all. The debt had started to be paid off with {$50.00}, which was stated to me and it dropped off. I have reached out to this establishment several times to their office in my area and over the telephone to come to some sort of real closure to this issues. I have even tried to speak to the person who withdrew the monies from a new account that I had established with them for almost 2 years now. The representative said they have the right withdraw the monies that was owed anytime they wanted and their is no limitation to how long a debt is owed if it comes around they will just collect with no warnings. Again that was the monies that said was owed is an old debt from XX/XX/XXXX/XX/XX/XXXX which the representative said she sent several years ago. I am not saying the debt should not be paid but I am really dissatisfied about the way the monies was deducted from an account that I have established with someone else. Even the employees in the credit union were not understanding why the actions were taken like they were. I have also found notification online from the XXXX  XXXX of the tactics the credit union have taken to collect monies and have a suit against them in previous years that they do owe consumers more respect in the way they want to collect old debt from customers. 

I'm just having a hard time with the way the monies was taken without any further notifications or warnings and think it is right after 7 years.
Product: Checking or savings account

I exchanged currency with one of the university student about 15000 dollar. 
A few days later, the Bank of America called me and tells me they need to close my account and freeze the balance remain in my account. 
I try to open an new acccount in XXXX XXXX, and they open it at that time but close it the day after that. So I still don't know what is the problem with my account. And by checking the XXXX report, I see that my account has been reported as suspected fraud activity by Bank of American. So I go to police and file the report of fraud. 
The police report number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a problem with this dispute and another account from XXXX XXXX for XXXX XXXX and something dollars.. i was incarcerated on all these accounts ... in a state prison ... for 6 years and bearly was released XX/XX/2021. That makes these transactionsnot not my responsibility to pay them.. I was state and county property ... thier insurance pays for al and any bill that happens while i iam there ... this makes them responsible for these bills. Please help fix them.. thank you..
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a collection account being reported by TrueAccord Collections that does not belong to me. The account lists XXXX XXXX as the original creditor, but I have never had any obligation to pay XXXX XXXX. On XX/XX/year>, I submitted an FTC report to XXXX XXXX, and they informed me it would take 60 days to remove this information. However, the account is still being reported to XXXX. 

TrueAccord Collections has never contacted me regarding this alleged debt, nor have I received any correspondence about it. I have also attached evidence showing that my information has been compromised in multiple data breaches, further supporting my claim that this account is not mine. 

I am demanding that this account be removed from my credit report within 7 days. Failure to comply will result in legal action for violations of the Fair Debt Collection Practices Act ( FDCPA ), as well as compensation for financial harm and emotional distress caused by this inaccurate reporting.
Product: Consumer Loan

I first received a type of advertisement from SpotLoan.com stating I was pre-approved for an {$800.00} loan, via the Postal Service, then received another one a few days later. I contacted SpotLoan online and began the process of filling out the application. I was then contacted by telephone by XXXX/Relationship Manager. She explained the process and asked how much of a loan I needed and I chose {$500.00}. I was then told the APR could reach as high as 390 %. The online application for a {$500.00} loan states the payment would be {$83.00} and that is what I believed it was to be. I went ahead with the loan and received their contract via email requesting an Electronic Signature which I initialed XXXX. I did so without reading through the email. I was told via telephone contact with XXXX/Relationship Manager that I would receive a Direct Deposit within 48 hours. She then asked about how I would like to make the payments, either by mail ( Check ) or by ACH, I said by mail preferably. That was the end of our conversation. I then began to read the contract and found that my payments were to be {$150.00} and further reading I found that when I initialed for my Electronic Signature it also stated my agreement to have payments made via ACH. I then called SpotLoan only to find out the XXXX/Relationship Manager was not there, I said that I was just speaking to her not more than 10 minutes ago and was told again she was n't there and he asked if he could help. I then explained about my agreement to make payments by mail yet the payments are now set up as ACH. The call taker then told me the computer will have all the information listed the following day and that I could call back then to get the payment issue straightened out. It was XXXX XXXX XXXX, 2015 when this loan processing took place and the re-contact by telephone. The call taker stated that SpotLoan would be open tomorrow, XXXX XXXX XXXX, 2015 and that I should call back then and speak to XXXX since she was the one that drew up the loan agreement. I waited until XXXX XXXX XXXX, 2015 and called SpotLoan only to find out XXXX was not in the office that day and it was suggested I call back XXXX XXXX XXXX, 2015. The loan had already processed and the {$500.00} loan was deposited to my account XXXX XXXX XXXX, 2015, at that point I really did n't know what to do. I also found that I my APR on this loan was 390 % and that the payments nearly doubled from what was listed online as {$83.00} to {$150.00}. I contacted numerous agencies here in Oregon and did n't get any helpful information until today when I received a call from the State of Oregon only to tell me, since SpotLoan is operated from a XXXX XXXX and since it is Sovereign, Oregon Loan Laws do not apply and that I should contact the FTC to file a complaint. Which I attempted earlier and the FTC suggested I file a complaint through the CFPB which I have just done. 
I thank you in advance for your thoughtful consideration regarding the most important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Documents attached. I am a victim of identity theft.