23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
Product: Debt collection

Started my daughter XXXX Treatment at the XXXX, Tx XXXX XXXX at XXXX XXXX XXXX location in XX/XX/2018. I moved & transferred locations. My daughter currently receives treatment at XXXX XXXX XXXX. XXXX, Tx XXXX XXXX location. The balance was transferred to this location as well & is associated with a new account number. I have only 1 account with XXXX XXXX for my daughter XXXX. But 2 accounts are showing. 1 that is current and is not in collections & this one which is inaccurate. I have disputed before but it is still on my credit report. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and saw an account reporting as a collection account and a derogatory on my report for XXXX XXXX XXXX with Account # XXXX. This account has no balance because I do not have a debt with these people.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX XXXX ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account name : XXXX # XXXX XXXX XXXX XXXX, Account name : 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 an Affidavit of Fact was sent to Equifax Certified mail : XXXX with confirmed delivery XX/XX/2022. XXXX Certified mail : XXXX with confirmed delivery XX/XX/2022. 

This was a request for inaccuracies amongst the three credit reporting agencies to validate alleged debt accounts. The listed accounts below are negative accounts that are reporting on my consumer credit profile and causing great harm to me mentally and financially. 

Equifax and XXXX have failed to respond in the time allowed by the FCRA. 

XXXX XXXX XXXX Account # XXXX Amount : {$3900.00} ( both Equifax and XXXX ) XXXX XXXX Account # : XXXX Amount {$130.00} ( both Equifax and XXXX ) XXXX XXXX  XXXX Account XXXX : XXXX Amount {$9800.00} ( Equifax ) XXXX  XXXX XXXX Account XXXX XXXX XXXX Amount {$6400.00} ( XXXX )
Product: Debt collection

XX/XX/22 I sent a debt verification letter to Arbor Solutions and never got anything back. My information was sold to another company.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my consumer report. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized items must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for equifax credit monitoring services for over 3 years at this time. When the breach occurred I was not informed by the company at any time. When I called on XXXX17 to receive free monitoring services and/or be reimbursed for the year I have been paying for the services since the breach, I was only offered the same services as those who were not already paying customers. 
When one pays a company for service and they do not provide ( or in this case actually do the opposite and lose your data ) then one would expect some form of recompense. Instead I was given the run around and offered only the same mediocre services given to non-paying customers. 
Services costing $ XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

Lets start off with my identity has been stolen years back and I had no knowledge of it until XXXX day I purchase my report. Seeing accounts Ive never opened was so shocking to me. I would like for my complaint to be reviewed and for my letter to be read throughly and not quickly. All the accounts listed is XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the negative items on my credit report from the following creditors : XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 

I believe that some of the information reported by these creditors is incorrect and does not accurately reflect my creditworthiness. Specifically, I dispute the following accounts : XXXX XXXX XXXX : This account shows a late payment, but I have always made timely payments. 
XXXX XXXX XXXX XXXX XXXX : This account also shows a late payment, but I have never been late on any payments with this creditor. 
XXXXXXXX XXXX XXXX XXXXXXXX : This account shows a late payment, but I have always made timely payments. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX : I dispute the collection account, as I have never received any notices or communications regarding this debt. 
XXXX XXXX XXXX This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXXXXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX Bank XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX Bank XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 
XXXX XXXX XXXX : This account is listed as a charge off, but I have never had an account with this creditor. 

I request that you investigate these items and remove any inaccurate or unverified information from my credit report. Please provide me with written confirmation of the actions taken on my behalf. 

Thank you for your prompt attention to this matter. 

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

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES XXXX 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

The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

I received an offer from Chase Slate for a zero percent balance transfer on XX/XX/XXXX. I submitted a request for balance transfer to go to two of my XXXX XXXX accounts on that same day. One in the amount of {$9000.00} and one in the amount of {$6000.00}. With a balance transfer fee totaling {$750.00}. 
I called to check on the status on XX/XX/XXXX as XXXX XXXX had no record of the transfers. Chase representative advised to call back on Friday, XX/XX/XXXX, if they still had not been processed. The Chase representative indicated that the payments were electronic transfer, and should be cleared by then. 
I called back on XX/XX/XXXX to again check the status. I was advised at that time that they were not electronic, but cashiers checks that had been mailed on XX/XX/XXXX. At that time, it was indicated that it could take up to 21 business days for the checks to process, and there was nothing that could be done until that time. Upon requesting to speak with a supervisor, I was told the same thing, that I could call back on XX/XX/XXXX to request that an investigation be started on these checks. The supervisor specifically said XX/XX/XXXX. I also expressed my concern that there was a payment coming due on XX/XX/XXXX.  The representative would not validate this concern, stating that it for sure would be resolved by that date. 
XX/XX/XXXX, called back, as the balances are still showing on XXXX XXXX and are now showing on my credit report as balances for both Chase and XXXX. The representative manually counted the dates and indicated that an inquiry and escalation could not be technically filed until XX/XX/XXXX, as that was really the 21 business days, due to a holiday. I became insistent and told her that the escalation needed to happen on that original date given to me by the supervisor. She did begin the inquiry escalation process, which I was told could take up to 30 additional days to complete. She also indicated that it may be rejected due to the time frame not being met. But that I would hear something regardless within 3 to 7 calendar days. Today being XX/XX/XXXX, calendar day 6 and I have not heard from them. Nor have the checks been received or processed by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. The company has
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXXhas violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose. 

The Following inquiry should be removed from my credit profile. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX and equifax, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the
Product: Credit card or prepaid card

I signed up for a free trial of Banana Republic Style Passport in XX/XX/XXXX. According to the Terms and Conditions, I clicked on the link in my membership profile to cancel, which led me to a screen saying if I would like to cancel I need only to send an email to XXXX. I have been a long-time shopper at Banana Republic but realized this subscription service wasn't for me. 

I sent the email to cancel my free subscription on XX/XX/XXXX. This email should have executed the cancellation per Banana Republics Terms and Conditions. On XX/XX/XXXX they sent an email back asking me to confirm the email address with the account I would like to cancel, so I responded to confirm. They sent me a third email with a list of offers for me to stay a member with the last line of the email being if I would still like to cancel to send an email. The Terms and Conditions do not state that in order to cancel I need to send multiple emails to Banana Republic. I sent the initial email saying I would like to cancel and my subscription should have been cancelled at that time. 

Banana Republic charged me monthly for {$81.00} from XX/XX/XXXX- XX/XX/XXXX. This equates to a total of {$1400.00}. 

I opened up a dispute with Synchrony Bank who runs the Banana Republic cards. The dispute what closed after Banana Republic sent pictures of emails that was sent to my address about " Style Passport '' as proof I should have known I was still a member. 

Synchrony Bank told me that because I did not send in a letter or my own documents with proof of my initial cancellation email that the dispute was closed. It was not made clear to me that I needed to follow up with documentation proving the email was sent. 

I have opened up a second dispute after calling Banana Republic directly to discuss on XX/XX/XXXX, when they said they can only repay the last four months of charges.
Product: Debt collection

All the sudden appear this Medical Debt Collection in my Credit Report, per my investigations they were billing to XXXX XXXXit sounds familiar to me, until I discover that I am under XXXX XXXX in the Credit Report with the XXXX Credit Bureaus XXXX, XXXX, XXXX XXXX. 

Coachella Valley Collections pick up XXXX XXXX which is not my legal name, I am XXXX XXXX under Social Security, XXXX and my Private Health Insurance, my US Passport. Therefore there is a question mark here why are they billing for XXXX applied to me XX/XX/XXXX I have been home, also that I saw a Doctor that even do n't know who he is. I got my team of Doctors treating me. 

I am in this battle since XX/XX/XXXX, XXXX IS THE ONLY ONE WHO HAS NOT REMOVED THIS MEDICAL COLLECTION XXXX XXXX I BELIEVE. 

I SENT A LETTER ON XX/XX/XXXX AFTER I HAD SENT 3 MORE, TO ASK THEM WHAT IS MY SOCIAL SECURITY NUMBERIF I OWE THIS MEDICAL BILL, WHY THEY DID NOT BILL MY INSURANCE OR XXXX, I HAVE HAD MEDICAL INSURANCE ALL MY LIFE, WHY IF I VISIT ANY OF THEIR OFFICES WHY THEY DID NOT CHARGE THE CO-PAYMENT ALL THIS QUESTIONS YOU WILL SEE THAT I AM ASKING THEM. 

HAVE THEY ANSWER ME, NEVER NONE OF LETTERS HAVE BEEN ANSWERED IT, WHAT DOES THIS TELL ME? BOGUSI NEED YOUR HELP, THIS MEDICAL COLLECTION HAS TO BE REMOVED AS SOON AS POSSIBLE, I AM BEING EVICTED DUE THAT THE BUILDING WHERE I LIVED WILL BE DEMOLISHED IT, FOR A NEW CONSTRUCTION AND WE THE TENANTS MUST FIND A PLACE TO LIVE. 

MY BIGGEST PROBLEM, RENTING IS BECOMING AN ISSUE WHEN THEY RUN MY CREDIT AND SEE COLLECTIONS, THEY ARE NOT RENTING ME. ON TOP DISABLEDIT MAKES ANGRY BECAUSE I HAVE NEVER BEEN IN ANY OF THIS MEDICAL FACILITIES THEY ARE CLAIMING I RECEIVED TREATMENTS AT ALL, I DO N'T EVEN KNOW WHO THE DOCTOR IS AND THEIR MEDICAL FACILITY. 
SEE ATTACMENTS.
Product: Credit reporting or other personal consumer reports

I have sent documentation to Experian for the past 2-3 months to have my address on my credit profile updated to my correct address and they refuse to update my correct address. They have completely removed my address from my credit profile which has caused me not to get a credit score from them.
Product: Credit card or prepaid card

I opened a Best Buy credit card account in 2012. At the time, the account was serviced by XXXX XXXX. At some point, the servicer changed to CitiBank and it remains Citibank. Since a few months after the account was opened, unbeknownst to me, the account was charged a " debt protection fee '' each month. I attempted to resolve this issue by contacting Citibank. It is their opinion that I signed up for this " service '' at the time I opened my account but they can not provide any proof I enrolled in the " debt protection program '' and I would never sign up for such a predatory program. 

I never noticed my account was being charged this fee because I opted into e-statements only. The only way to see the fee is by downloading a hard copy of the statement. The fee does not appear on the simple online monthly account summary which shows all purchases, interest charges, etc. 

It is my opinion that the " debt protection program '' was added to my account without my consent and that XXXX XXXX/Citibank intentionally concealed the fees. I never signed up for the service and it is not something I would ever sign up for because frankly, the program does nothing to protect consumers but in fact serves only to maintain the account balance. If the account holder only pays the minimum balance each month, the balance will not decrease due to the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit Beauru to do a verification of everything on my report. they did they stated everything was ok I did a thorough research and found improper inaccuraties on my account. 
In accordance with the fair credit reporting act XXXX account # 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.