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

XXXX : XXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX to collect.
Product: Debt collection

On XX/XX/XXXX Pheonix Financial Services sent erroneous bill with account numbers that have no association or permission from me to have been created. It lists XXXX of XXXX County as the original creditor for alleged ambulance transport that never took place. I never received emergency care during XXXX. 2 different account numbers are listed on the bill and I did not give consent to the creation of either one. It also lists XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the current creditor who assigned it to Phoenix Financial Services. I have made several attempts to have ALL 3 entities correct the matter to no avail. I have also requested a copy of the original contract with wet ink signature and no response. Injury has resulted from the inaccurate reporting placed in my credit file. I would appreciate this matter being resolved expeditiously. Thanks in advance and please forward to ALL parties named.
Product: Debt collection

I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
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 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

On or around XX/XX/2023, XXXX violated the FCRA by adding a FALSE negative remark on my credit report which caused each of the credit bureaus to lower my credit score by XXXX points!!! This was in retaliation for me disputing an inaccurate credit balance on my accounts with XXXX. I have been diligently paying off my credit cards in an effort to buy a house and XXXX actions ( false reporting ) has snatched this opportunity away from me temporarily. I believe XXXX intentionally put the remark on my report to decrease my chances of getting a XXXX INTEREST CARD to transfer my XXXX balances to the new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX 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. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

On XX/XX/XXXX I had to go on XXXX because when I walk I was off balance. I work at a XXXX XXXX and you always have to be steady on your feet at all times. For eight hours in a day my duties consist of walking the unit to to keep track of the patients every fifteen or five minutes, I have to be with a patient for and hour if a one to one monitoring is required and during that one hour I may have to help the patient on to the toilet, patients need to go to have lab work done so now I have to get them there in a wheelchair, I have to bend to put on the patient shoes and carry heavy items when needed. I called my mortgage company to let them know I was not working and I was told they would research and see what I qualified for and not to worry. I received a Mortgage Assistance Application filled it out and mailed it on XXXX XXXX I was advised the process took about thirty days for the team to review. Each time I was requested to submit something else they needed and each time it was another thirty day for review the understanding was PHH Mortgage was going to see if my back due mortgage payments could be put to the back of my account so the account can be current. However I received notification from them dated XX/XX/XXXX that I didn't qualify because I was ninety days past due. I did pay my mortgage for XXXX and XXXX. So I was denied the program called Helping Homeowners Modification and Streamline Modification. So I just received documentation from PHH Mortgage dated XX/XX/XXXX the documents is Understanding Net Present Value ( NPV ) I don't understand it and I must get help from someone who does. Also, if I don't agree with their decision I have XXXX days to appeal ( I received this packet on XX/XX/XXXX, plus according to their records, the owner of the loan is XXXX XXXX XXXX XXXX XXXX. I feel that PHH Mortgage is trying to prolong the process so they can foreclose on my property. I worked on one job for eighteen years in XXXX the company decided to move out of NJ so what was invested I had to put it in a IRA Roth account, meanwhile trying to get another job bills had to be paid including my mortgage and over time I ended up spending what was suppose to be my retirement in the future. I've had my home for over twenty years and I've put my retirement investment into my home to keep a roof over my me and my children 's heads. I've called programs for mortgage assistance and no one seems to be able to help me. I'm trying to get assistance from my job I've submitted and application XX/XX/XXXX, however I will not know if I've been approved until thirty days from the date of XX/XX/XXXX. I'm also waiting to be approved for XXXX XXXX XXXX. I can not lose my home, please I hope someone can help me.
Product: Credit reporting or other personal consumer reports

Experian is reporting a bankruptcy on my credit profile. Experian stated the company that reported the information has certified that the information is accurate. So in return I contact the courts and they informed me that they do not share information with any credit reporting agencies. This is a false claim by Experian and this bankruptcy has yet to be removed from my Experian credit report.
Product: Credit reporting

XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, Equfaix and XXXX. Please assist with having this information remove from my credit file. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

The Bank of America always forces us to interact with robots when contacting customer service. There is no direct phone number to reach, and someone needs to text and interact with a robot, and the robot does not help at all, always diverting the real problems by providing many non-sense answers. There could be an urgent situation someone needs to contact directly to a person. This deceives the customer when they advertise there is befit to using XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think XXXX was hacked. Please monitor XXXX. I checked my account and there is requests for loans. My credit score was lowered for no reason at all. Please call or email me at the information below. 

Email : XXXX XXXX or XXXX
Product: Credit reporting or other personal consumer reports

These accounts have recently shown up on my credit record, and I have some doubts regarding the veracity and correctness of your inquiry. I thought the item was not being reported lawfully last month, therefore I sought an investigation. You have decided to stop investigating my credit reports, according to the letter I got a few days ago. This decision was based on your belief that I may have employed a third-party credit repair business. This is clearly in violation of the FCRA, and I also think it's a delay tactic to buy yourself 30 more days to fulfill my first request.
Product: Credit reporting or other personal consumer reports

I submitted several disputes because of XXXX XXXX that are not mine and they haven't mailed proof of the original documents if these were in fact my debts. This makes me question all inaccuracies. The disputes that I submitted were updated in one day. They didn't DELETE ANYTHING THAT WAS INACCURATE AT ALL!! They are violating my rights as a consumer. There are not even full account numbers. ( XXXX ) reads as follows ... ... ..Receivables XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX XXXX I never entered into any agreement with them ... .I demand that these Collections be removed! They don't even have full account numbers. 

( XXXX ) reads as follows ... ... account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never entered into an agreement with them either and they never provided proof. These all violate my consumer rights and are reporting inaccurately I demand that they be removed. 

( TransUnion ) Doesn't report accurately either for XXXXXXXX XXXX XXXXXXXX. There is no account number at all! These all violate my rights as a consumer ....
Product: Money transfer, virtual currency, or money service

The airtm platform overnight, they send me a message that the account is limited and does not even allow me to take out my wallet and they do not give me an answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion regarding an invalid item on my husband 's credit report. The same day, I filed a complaint with the CFPB regarding the debt collector. TransUnion took well over 30 days to respond. Attached is the letter I received, with the post-marked envelope it was sent in. I filed both the dispute and complaint on XXXX XXXX, XXXX. TransUnion came with an XXXX XXXX postmark. 

TransUnion also concluded that the debt being reported was correct and would remain on my husband 's report. 

Meantime, we received a letter from the debt collector in reponse to the CFPB complaint stating the opposite ( also attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for 6 to 8 months to have erroneous, fraudulent information removed from my consumer report with Equifax. I have made countless phone calls, submitted faxed documentation along with proper identification, written and mailed certified letters and still have not yet received remedy. I have made demands with this company to still have none of them met according to federal law. Pursuant to 15 USC 1681 : fair and accurate credit reporting. I am suffering from severe emotional and financial distress and harm due to the relentless efforts being ignored. Equifax is willfully and intentionally mishandling my private information all while continuing to break the law as well as breach their own company policies. I've reported this information as inaccurate, erroneous and fraudulent on several occasions through postal mail, phone calls and fax. I have spoken with countless reps and supervisors including XXXX XXXX of the XXXX XXXX XXXX Department as well as been transferred to the O.C.C. department and spoken with a supervisor by the name of XXXX XXXX whose employee ID # is XXXX, all on a recorded line. I was told on several occasions that this harmful information would be removed within 4 days, and I also requested updates to my consumer reports via mail to reflect such corrections and removals. As of today XX/XX/22 nothing has been done. I do not wish to file another dispute, I am demanding deletions. Equifax has failed to properly verify, validate, investigate or reinvestigate any of these accounts, and based on that alone they should be removed promptly. I also have communication from their Settlement Administrator regarding my data breach claim being accepted and processed for payment : Claim # XXXX. Equifax has requested me to submit FTC complaints which I have also done. The reference # is XXXX. I am demanding removal of all negative information including : bankruptcy, late payments, collection accounts, incorrect names, etc. This company has blatant disregard for my rights as a consumer and I am tired of being given the run around by them.
Product: Credit reporting or other personal consumer reports

It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is Nelnet the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. I request that you promptly delete all late payments and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions. 

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 an account without my written instructions. 


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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter of factual dispute and a copy of my credit reports attached to show the errors. As of today XX/XX/2021 there has been no updates to my XXXX XXXX, XXXX or Equifax credit reports. I have found multiple violations and errors on accounts in question without resolve such as different account numbers reporting to each credit bureau, or the lack of an account number, etc.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( XXXX ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 
The following incorrect addresses 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 XXXX XXXX XXXX XXXX  XXXX My actual and current address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the XXXX timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. If you need further information, you XXXX contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX Accounts listed : 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  15 U.S.C 1681 A. section 602 states I have the right to privacy.

15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT ADJUST - Account type : Debt Buyer - Original creditor : XXXX Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year XXXX. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With National Credit Adjust - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : 1 ) How much money the debtor owes 2 ) The name of the creditor to whom the debt is owed 3 ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with National Credit Adjusters, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.