23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 : //www.ftc.gov 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from RADIUS GLOBAL SOLUTION last reported XX/XX/XXXX in the amount of {$75.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both RADIUS GLOBAL SOLUTION individually and have not received any reply back In addition, the HIPAA and Arizonas Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the XXXX Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX.are in effect in this situation. 
The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.

PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care.

RADIUS GLOBAL SOLUTION, is not in compliance with HIPAA, or Arizonas Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX XXXX  and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose.

You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act.

Please respond, in writing within 10 days that you are processing this request.

I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XX/XX/2018, we were contacted by XXXX XXXX XXXX XXXX XXXX about a debt of {$150.00} to XXXX XXXX. We explained to them that it was not our debt. After a discussion with an extremely unpleasant gentleman, it was made evident that my son ( with the same name as mine ) was responsible for the debt. The gentleman demanded that I give him all my son 's personal information. I could not, for two reasons : 1 ) My son and I have been estranged for several years ; I did not have the information. 2 ) This company fosters and nurtures all that is evil and disrespectful. I have never witnessed such contempt, harassment and threats against me and my credit as I did from this company. Because I couldn't give him the information, he put it on my credit report as my debt, with the full understanding that it wasn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a XXXX XXXX. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against Experian 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Experian has refused to block the items in my credit report that are directly linked to human trafficking. Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or XXXX
Product: Debt collection

Midland credit collection constantly contacting me for a debt I dont own. Im asking for a cease and desist all forms of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I opened a checking account with HSBC under the terms that I would be receiving a {$220.00} bonus for opening the account and thereafter depositing {$500.00} a month to the account through direct deposit for 3 consecutive months. After meeting the criteria and not receiving the bonus I called the customer service line. I called this line on 7 separate occasions, 6 of which I was promised by the employee that my bonus money would be deposited shortly. On the 7th call, they decide to remit that payment promise and inform me that I no longer am eligible for the bonus. They wasted hours upon hours of my life with their lies and still refuse to pay out the bonus. The incompetence of this bank is absolutely astounding.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that I did not apply for. The consumer reporting agency needs to report all information with complete accuracy. This account does not belong to me. I've attached a copy of my report to this complaint. I am now requesting you investigate and provide verifiable proof with record that this account belongs to me, I demand this account be updated. Thank you for your understanding and prompt action
Product: Credit card

I previously had a credit card with XXXX. XXXX terminated their service and I was given a Citizens Bank card from XXXX. 

I have been attempting to use this card for purchases but it has not worked. 

After three failed online attempts, I attempted to go into a store to use the card. It was declined. I called the number on the back of the card and gave them information. I requested that I be contacted in the event of fraud suspicion, and the company agreed. I was told at XXXX ET that the block would be removed and i would be able to use the card as normal. 

I attempted a purchase at XXXX ET. No luck. 

I called Citizens Bank back. They told me the block would only be removed if I woud come into the bank in person. When I replied that this was unacceptable and asked to cancel my account. They said I would have to come in person or send a fax with my photo ID. There are no citizens banks anywhere near me. And As I live in the year 2024, I do not have easy access to a fax machine. I was forced to use this bank and it is refusing to let me terminate their services. 

The customer service I got from this company consisted of lies and material misrepresentations. Nearly two decades of regular use and not a single missed payment was met with this. 

Please reach out if you have questions. 

Thank you.
Product: Debt collection

Debt recovery solutions keeps sharing on my credit file that I owe XXXX XXXX XXXX a debt of XXXX. I do not have any knowledge of this debt. I have not seen a XXXX XXXX  other than my XXXX XXXX XXXX in many, many years but they still keep putting this on my credit report. Now my credit report states that I have owed the debt since XXXX, 2019 which is a complete, fabrication. I have no idea who this the original creditors are.
Product: Debt collection

I have checked my XXXX credit score and saw a significant drop due to an unrecognized amount of debt collection. 

LAW OFFICES MBA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX XXXX XXXX Due to an unrecognized bill come from XXXX XXXX XXXX XXXX XXXX ''. 

I have never been to this place and when I called the " Law Office '' the woman took my SSN and told me I owe the amount of {$1300.00} and hang up the phone without any more information. 

I am afraid of a general identity theft by this Office and in general.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Credit report XXXX dated XX/XX/XXXX, Consumer Statement have incorrect information about a landlord tenant dispute dated on about XXXX. The landlord reported un unpaid rent and was aware the dispute originated for failure to provide laundry facilities and cable television. The landlord dispute is not longer valid after 7 years, consequently, under Consumer Statement ( Note : This statement has no expiration date ) is incorrect.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir/Madam, I am writing to formally dispute the following accounts, which have been inaccurately reported on my credit reports by XXXX, XXXX, and Experian. These accounts are not mine, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX I would like to bring to your attention that these unauthorized accounts have violated my rights under the FCRA as follows : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : According to this section, I have the right to privacy regarding my personal credit information. The reporting of these unauthorized accounts on my credit report breaches this right, as I did not consent to their inclusion. Furnishing of Accounts Without My Written Instructions ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided any authorization or instruction for these accounts to be reported under my name. These violations have caused significant distress and potential harm to my financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized accounts are removed from my credit reports. Additionally, I request that any necessary corrective action be taken against the responsible parties to prevent future violations of my rights. Enclosed with this letter are copies of my credit reports from XXXX, XXXX, and Experian, highlighting the unauthorized accounts. I have also included any relevant correspondence that may assist in the investigation. Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and uphold the protections guaranteed to me under the FCRA. Please feel free to contact me if you require any additional information or documentation. Sincerely,
Product: Debt collection

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''. 

I dont own a XXXX  card nor do I work with LVNV funding or Resurgent I have not given any signatures or agreed verbally to do any business with any of these companies.
Product: Mortgage

Last fall my husband and I paid off our mortgage in XXXX XXXX XXXX with Nationstar Mortgage. <P/>-We never have received a release of loan. -No recording was done with our county that our loan has been paid. -We were told and was sent a document that our taxes was paid off. The taxes were never paid last XXXX. We paid our taxes with extra fees last XXXX. -Escrow statement sent to us shows money missing the bank can not tell us were it went. <P/>Our main concern is that we have them to send the county a release of mortgage to show our home is paid off. <P/>Any help will be much appreciated.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the letter last XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THIS ACCOUNT that still reporting on my account : XXXX XXXX  XXXX XXXX //LATE close - Balance $ XXXX Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against Hyundai Motor Finance ( HMF ) I am complaining against Hyundai Capital America aka Hyundai Motor Finance ( HMF ) ( which is related to Kia Motor Finance ), which adversely affected my credit which resulted in me being denied credit by some auto dealers, humiliation and defamation, for which I am seeking relief and damages. 
In or about XX/XX/XXXX, I had signed a lease with Kia motor finance to lease a XXXX vehicle. According to the lease agreement my monthly lease payment was $ XXXX for a total of 36 months I paid all my monthly lease payments as stated in the lease agreement. 
Somewhere in the middle of the lease period ( after over a year into the 3-year lease ), Kia started harassing me that I needed to pay a few XXXX dollars more. XXXX claimed this was some additional ( property? ) tax I needed pay. However, I was not the owner but a renter of the automobile and the lease clearly stated my obligations were as stated on the lease, namely $ XXXX for 36 months which I was paying or would pay as per the agreement. 
Then, Kia ( aka Hyundai ) apparently reported me to credit bureaus as being delinquent on my auto payments by a few XXXX dollars. 
Recently, in XXXX XXXX, when I was shopping around to get a new vehicle, I discovered that Hyundai had adverse information about me in my credit reports because of which some auto dealers denied me credit. 
My credit report also showed multiple hard inquiries from Hyundai/Kia dealers or other financing entities which also adversely affected my credit scores. 
This caused me great stress, XXXX  and distress and harmed my credit standing and ability to purchase or lease a new vehicle that I wanted to.
Product: Checking or savings account

My social security check comes to me through Comerica Bank ( direct express) and it seems like something was wrong with my account. Whenever I tried to use my debit card at stores, they would ask, did I have another card. I never use all my money and I wasnt able to pay my bills properly and my credit score was going down. Whenever I tried to go into my account or even changing password, I could not get in.  I called in XXXX  and said I wanted the supervisor because something was wrong. I also asked for statements because I it wouldnt let me in online. XXXX XXXX and XXXX were days I called. The XXXX, the woman looked at XXXX  and said it started then. The statements came for XXXX  to XXXX  and I was horrified. I called immediately and asked for account to be closed because someone was using my account. There were different names purchasing things with XXXX ( I dont use XXXX) at least 10 - 12 times a day, daily for months. A supervisor never called. I faxed a statement and emailed one. They refused me. I went to police and filed police report.  I faxed XXXX, and report on XXXX XXXX.
Called XXXX XXXX ( they said I gave permission to ppl to take my money)