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

in accordance with the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602. States I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am reaching out to request an update of my personal information with XXXX, Experian, and XXXX. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.
Product: Debt collection

We actually have 2 accounts with this company since the largest is medical I am filing this under medical. I will file the other one on its own. The doctor office changed the insurance on 3 of our 4 family members. It overlooked doing so on my daughter. When we discovered the issue. We provided the current medical information multiple times, but it was never fixed. This in part was caused by me having a XXXX and struggling to communicate, but I did give them the new card. 

The bill was refereed to XXXX XXXX XXXX in Colorado XXXX CO. Here is their contact information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. The insurance company offered to pay us if we paid the contracted amount due to the medical provider. XXXX XXXX XXXX rejected this idea wanting the higher amount due uninsured people rather than those covered by public assistance as our children are since they receive Social Security survivor benefits as well as private insurance. They also where demanding interest on the higher amount. In effect, they where seeking extra profit they where not legally entitled to receive. 

Instead of negotiating in good faith they choose to serve my Dad with legal papers informing him of the debt, that they where suing us, and revealing confidential medical information about our daughter. They would appear to have violated the Fair Credit Act and HIPPA in providing these written documents to my father. They had previously threatened to sue me personally but serving my father with documents related to a suite against my wife is outrageous. They informed the court they served me, but my time cards show I was at work at the time. They clearly served my dad.
Product: Credit card or prepaid card

In late XXXX, I contacted Citi about XXXX miles missing from my rewards on my XXXX XXXX card that I had met the spend bonus for. I was instructed there was a system error that prevented the points from posting because when I converted my old XXXX XXXX card to a Citi Double Cash card which marked the XXXX XXXX card as " closed '' instead of " transferred ''. I was subsequently denied my claim of having the bonus XXXX miles added to my new card. This is a potentially deceptive & unfair as I opened the account under the premise that I would be able to spend on the card, get the bonus miles, and then be able to continue to use the card for trips. Had I known I would be held liable for a system error out of my control that Citi has, I would have strayed away from opening this card. The card in question that was " closed '' is still technically open. I should not have issues because of Citi 's system not marking the account correctly thus causing me to open an account with a hard inquiry with usage.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the items which do not belong to me and opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm filing this follow-up complaint to formally inform XXXX, Equifax, and XXXX Credit Bureaus of my intent to update my credit reports within the next 15 days. I earnestly expect these three Credit Bureaus to promptly remove the specified inquiries from my credit records. This communication is a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries listed in this complaint, as well as those in the aforementioned complaint, be removed upon completion of the 15-day credit report update period : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft pursuant to 15 U.S.C 1681a ( q ) ( 3 ). I filed an identity theft report on XX/XX/XXXX. There are inquires being reported on my consumer report by TransUnion. There is an inquiry from XXXX XXXX on XXXX, XXXX, XXXX and there is another inquiry from XXXX XXXX XXXXXXXX XXXX  on XXXX, XXXX, XXXX. I did not give written consent to have these inquires reported. I made TransUnion aware of this by sending off supporting documents via certified mail on XX/XX/XXXX. The supporting documents included a copy of my license, for identification purposes, a copy of my W-2 for proof of address, a screenshot of my consumer report that shows the inquires, the identity theft report, an Affidavit, and a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that was added to my credit report fraudulently that does not belong to me and all 3 companies were made aware. The account is XXXX last reported XXXX XXXX and it says it was opened on XXXX says original creditor is XXXX and that {$1700.00} is owed. This account if fraud and does not belong to me and I want it removed at once. Police have been notified as I am a victim of identity theft for over 8 yrs now. Please enforce this account be removed as it is fraud and does n't belong to me.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX, Ohio XXXX Cell : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX, Chairman, President and CEO Huntington Bank XXXX XXXX FL XXXX XXXX, Ohio XXXX Dear XXXX XXXX XXXX, I sent you the enclosed 2 letters but my issue with Huntington Bank remains an open issue. I have been speaking with XXXX XXXX of Huntington Bank with no resolution to my problem. XXXX XXXX  phone number is XXXX. I want to know the name of the Huntington Representative that calls on XXXX XXXX XXXX. The dealership gave me a 5 year loan on a car loan that I didnt need and didnt want. I didnt qualify for the loan because I am a retiree and I had two homes that I owed were foreclosed. I was scammed and charged thousands more for the XXXX XXXX XXXX and your company approved the loan. I received several notifications from other Banks that I wasnt approved for a car loan. My last car that I had my Mother had to sign for because of my bad credit when I lost 2 homes. That loan was made thru XXXX XXXX. Since XX/XX/XXXX, I have paid {$25000.00} for this car which was only worth {$22000.00}. The car is only worth about {$17000.00} at this time. Since your company makes loans why dont you make the appraisal on this car? Huntington Bank believes I still owe over {$5000.00}! 



I would not have bad credit if I didnt loss {$650000.00} when 2 of my homes were foreclosed. This was because I was scam by a nonprofit XXXX that stole over {>= $1,000,000} from the VA and didnt pay me any rent that they owed to me and they didnt exercise the purchase of the home after they received all this money from the government. They were allowed to write me over {$300000.00} in bad checks and then they were allowed to steal my home from me. Please contact XXXX XXXX, Ohio Attorney General so he can prosecute all these people who scammed me, a retiree. 



Huntington Bank was also scam when you spent {>= $1,000,000} for the naming rights of XXXX XXXX XXXX. XXXX  XXXX XXXX has most of the conventions. XXXX is one of the worse cities for a convention. 85 other cities in the United States rank higher than XXXX for conventions. The XXXX XXXX XXXX that has your names attached to it is a ghost town with no conventions. If you want me to represent you and try to get Huntington Bank a large refund from XXXX County who scammed you I am willing to do this for you for a small commission. 



Looking forward to hearing from you regarding my requests. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

I don't know Spring Oaks Capital , LLC NOR I have made business with them. I have no obligation to pay any amount to this collection company since I have never done business with them. Collection company need to validate my information and since they already mention they purchased the debt ( debt not validated ) I won't pay a dime. Collection companies only have access to the statements the original creditors send along after paying pennies over dollar for each debt. You won't get my money and you need to delete this trademark placed on my file. So get that UDF updated or I will pursue SUEing the company. A validation ( certified ) letter was send on XX/XX/XXXX asking for validation, this information was never provided by them. Also, they were asked to cease all collection during all this period of investigation time and they haven't, hence, violated the CFPB and FTC.
Product: Credit card

ACCOUNT OPENED WITHOUT MY CONSENT OR KNOWLEDGE ALREADY TRIED TO DISPUTE UNDER CFPB Complaint Complaint ID : XXXX & XXXX PER CONSUMER PROTECTION LAWS THIS ACCOUNT NEEDS TO BE CLOSED AND REMOVED FROM ALL CREDIT AGENCIES. 

I HAVE FILED FTC Report Number : XXXX AND PER THIS REPORT THESE ACCOUNTS NEED TO BE CLOSED ASAP REFLEX AND VERVE
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 paid my loan in XXXX and the amount of {$620.00}. They tried to take the funds from a different account that account bounced because the money wasnt in that account. The {$620.00} was processed on XXXX XXXX. They are marking my account as two months behind due to the fact I am on a medical leave my loan is normally due on the XXXX and I have not paid my loan yet and well on this coming Friday, which is the XXXX when I called the woman said they will report whatever the hell they want For any length of time they choose basically letting me know even if it was 10 minutes late they will report in which I know all car loans have a grace period of a few days. I have never had this issue other than Im trying to recently the past few months take funds from another account. Was it on my profile since I have two car loan I feel like their company is being very fraudulent and needs to be held accountable for their actions. I recently just got denied an apartment because my credit score just dropped over XXXX points. I was a XXXX and now just went to a XXXX
Product: Credit reporting or other personal consumer reports

This morning I was shocked to find unauthorized inquiries on my credit report with no explanation. I routinely check my report, but this time there were unexplained discrepancies. I even refreshed the browser hoping for an error, but the inquiries remained. I am deeply frustrated by this and ask that the documents I've sent be carefully reviewed to resolve the issue once and for all.
Product: Debt collection

I was a victim of identity theft and my consumer rights are being violated. XXXX XXXX and American Recovery Services Inc ( ARSI ), are attempting to collect an alleged debt that I do not owe. I have provided XXXX XXXX with the FTC Identity Theft report and have sent them more than enough proof to relieve me of this alleged fraudulent debt. I have attached the documents. It is unlawful that these organizations are colluding together to take advantage of me and attempt to collect this alleged debt which I have informed them multiple times that I do not owe them any money. They are also ruining my general reputation by reporting these fraudulent accounts that are not mine to the credit reporting agencies. The are committing deflation of character against me. I need support and I am going to be forced to take legal action if I do not get help. These big companies are harassing me and abusing their power! I will not back down, please help me. My consumer rights are being violated according to the FCRA and FDCPA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX starting reporting a collection account on XX/XX/XXXX showing a balance due of {$58.00} from XXXX XXXX. This balance was never disclosed to me and it was supposedly for an account that was closed approx 10 years ago. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default.This account was too old to be reporting on my account to begin with. I have the right to have outdated information removed. 

I have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. XXXX XXXX never provided any form of debt validation. I have the right to accurate reporting. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

In XX/XX/XXXX, I was in the process of obtaining a loan and this one small collection was hindering my ability to obtain the loan. The lender wanted the collection paid. Even though I didn't agree that this debt was mine, I paid the {$58.00}. 

This collection account in still reporting to Equifax and XXXX credit bureaus. XXXX has removed the collection from my report due to inaccurate information. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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. 

Fair Credit Reporting Act states that any inaccurate information that is being reporting must be removed completely and may result in fines of up to {$1000.00} per violation, as well as punitive damages. XXXX XXXX has shown negligence in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that   XXXX   XXXX   is reporting on my credit report. If   XXXX   XXXX   can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to   XXXX   XXXX   in regards to this issue but have yet to receive a response.
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  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , PA   XXXX   This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
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Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
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I demand the following account be properly verified or removed immediately.
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NameofAccount : Date Reported : ProvidePhysicalProofofVerification :   XXXX   XXXX    {$46000.00}   XXXX   XXXX  , 2011 Unverified Account
Product: Credit card or prepaid card

Capital One has violated my consumer rights under the FCRA, GLBA, and EOC, by unauthorize use of my social security card. This company has furnished over thirteen inquires on my consumer reports all of which I have successfully removed. After inquiring about this issue in XXXX XXXX, the company admitted to discrimination of my credit score and admitted to partial inquiries but dismissed the rest also saying that it would erase all my information and deactivate the credit monitoring program they set up on my behalf through XXXX XXXX they also stated they would remove my email address and stop sending me promotional offers. They have yet done that. I recieved a letter with an account number ending in XXXX and a case number. During a call in XXXX the associate said they could not locate my account which I did not create nor have access too and they have no information however they WILL in fact be calling, texting, emailing and mailing me more promotional offers in which I quickly declined however they are still sending me offers. I recently got a letter this week in XXXX of XXXX  stating they would like me to call about the issue and want about 10 item of information on me to " verify '' my identity such as employment and income information. I am tired of this. I would appreciate the company leaving me alone as I have never had a relationship with them and only have had discriminatory actions taken upon me for ONE application for which I applied in XXXX and the company took the liberty to place TWO applications on the same day without my permission and they also gathered my info and apparently applied in XXXX too.