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

Credit Center , XXXX is reporting a delinquent medical collection account to the credit bureaus under my name. I have sent multiple debt validation letters to Credit Center , XXXX. I sent the original request for debt validation letter on XX/XX/21 via USPS mail. I sent a second validation letter on XX/XX/21 via USPS Certified Mail. ( See attached receipt ) I did not receive correspondence from Credit Center XXXX after my first validation letter was sent out. They waited for me to file a complaint with the Consumer Financial Protection Bureau at which point they still did not provide CFPB or myself with sufficient validation of this alleged debt, instead they attached an XXXX  spreadsheet with a manually typed " timeline '' and a notation that states they'd be happy to validate this debt if I contacted their office. I went ahead and sent out a second validation letter on XX/XX/21 via USPS Certified Mail. ( See attached receipt. ) This company responded to my Certified letter but failed to legally validate this alleged debt. Instead, they sent me copies of sensitive, protected, private information from my medical records including specific medical tests and procedures that were performed as well as prescriptions that were prescribed. This is a direct VIOLATION of HIPAA regulations. I did not sign nor did they provide me with a HIPAA release form authorizing them to have access to this information. Credit Center , XXXX has violated my HIPAA rights. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to XXXX, Equifax and XXXX about Hard inquiries that I did not recognized. I sent in a dispute letters in XX/XX/XXXX via priority mail. ( I will attach tracking number below ) to each Credit bureau and did NOT receive a letter, call or any explanation of why the inquiries can not be removed. I did call to see if they received it and they said they did. I called in XX/XX/XXXX and they did not give me any details of anything but, even if they did it was past the time they were supposed to get back to me within the 30 to 45 day period and I still have not received or heard anything from the credit bureau. I have 5 hard inquiries I do not recognize and I did not approve any hard inquiry for them to use. I did not give any permission for this and I do NOT have any accounts that I pay with these companies and they should be removed. These are the accounts below with the hard inquiries. 

XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Checking or savings account

USAA fraud department refused to reimburse funds to the account due to a scam of {$740.00}. I immediately notified the bank of the incident and uploaded all supporting documentation to show the malicious and complexities of the fraudster. The banks reasoning is that the money sent to the other account was a registered XXXX user and isn't fraud. However, this is fraud because the user created fake XXXX business emails to solicit the money. I believe that I did not act out of negligence and this was a thorough and premeditated attack on my finances. USAA does not have an appeals process at this time. It is important to note that I have banked there for 8 years and am considering switching due to their unethical business practices.
Product: Credit reporting or other personal consumer reports

Hi Experian, I don't know what is going on because I just checked my credit report and can not believe what I see. I found this fraud account opened without my knowledge and shall delete from my credit report. I spoke with the fraud team from XXXX XXXX XXXX and she told me since this account was opened due to fraud, she will closed it out. I was told that I have the right to delete this fraud account from my credit report. Account number XXXX is fraud and I would like to use my right to delete this fraud credit card from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these negative items from unknown companies to show up on my credit report. I need them removed immediately.
Product: Vehicle loan or lease

The company in question is AVID Acceptance out of Utah/ We are not struggling per say but we pay a few days late, not 30 days late as of yet and for the last three years we have this loan. The loan itself is and has been a predatory loan on which we were charged excesive fees from the dealer but more importasntly we are, we were and we will be charged over 18 % interest rate. The balance does not go down at all. At the time we needed the vehicle and we agreed to the terms. It is still predatory because our credit history was small. Everything was paid on time but there was not a lor of trade lines. To the day these insipid people call us everyday and sometimes twice a day. My wife get interrupted at work and it's simply harrasment that I am going to stop at any cost. 
Last week we hit the bottom when they offered a " deal '' to my wife to postpone the payment for XXXX until the end of the loan so we could have a breather for this month in the midst of a pandemic and with XXXX upon us. After the disgusting loan clerk/collector got the document signed by my wife, they said we neded to still pay XXXX yesterday. That did not make sense other thatn this company continue to steal our money in fees and scams/ Bait and switch kind of procedure. 
We cancelled the " deal '' and paid XXXX. At this point if possible I want to report this company for harrasment, deceptive practises, predatory lending and whatever else applies. They are a firm that I will never recommend to anybody else and would like to take them to court. Please notify me of any action I can take in your behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

During hurricane Sandy XXXX University promised an educational experience at their satellite campus in XXXX XXXX, NJ. The site is was regularly absent of employees. I was displaced due to hurricane Sandy and submitted withdrawals in a timely manner. XXXX owes the repayment of this debt because it doesnt belong to me. The institution did not do their due diligence and XXXX University is defrauding me with their inaccurate claims and its affecting my private life.
Product: Credit reporting or other personal consumer reports

I HAVE LOOKED AT MY CREDIT AND MY SOCIAL MUST HAVE BEEN STTOLEN TO APPLY ANND HAVE ACCOUNTS THAT DO NOT BELONG OR HAVE EVER BELONG TO ME NOR HAVE I APPLIED PLEASE HELP - INQUIRIES - XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - XXXX XXXX- NOT MINE - XXXX XXXX - NOT MINE XXXX XXXXXXXX - NOT MINE - XXXXXXXX XXXX XXXXXXXX XXXX NOT MINE XXXX XXXX XXXX XXXXXXXX NOT MINE - XXXX XXXX XXXXXXXX - NOT MINE XXXX XXXX XXXX XXXX XXXX- NOT MINE XXXX  - XXXX - NOT MINE XXXX  XXXX - NOT MINE - XXXX  - NOT MINE
Product: Credit reporting or other personal consumer reports

Re : Discrepancies in Bankruptcy Reporting on Credit Reports XXXX Reference Number : XXXX XXXX Reference Number : XXXX Dear CFPB, I am writing to formally request assistance regarding discrepancies in the reporting of bankruptcy on my credit reports, which is affecting my credit profile. The alleged bankruptcy was filed on XX/XX/XXXX, in the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX - XXXX Division but this is reported differently by XXXX and XXXX. 

Discrepancies : XXXX Report : Reports the bankruptcy as being filed in the XXXX XXXX XXXX XXXX XXXX 

XXXX Report : Lists the bankruptcy under XXXX XXXX XXXX XXXX. 

Relevant Details : Bankruptcy Case Number : XXXX Bankruptcy Type : Chapter 7 Discharge Date : XX/XX/XXXX Request for Validation : Despite my requests for documentation and validation from both XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any documentation to substantiate the accuracy of this bankruptcy reporting. Additionally, XXXX updated their files and my credit report and is NOT reporting this same bankruptcy as they couldn't provide validation for this bankruptcy. This discrepancy between the two credit bureaus raises concerns about the accuracy and completeness of the information being reported.

Legal Basis : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, consumers have the right to dispute and request validation of information reported on their credit reports. The FCRA requires that credit reporting agencies investigate disputes and provide accurate information. Inaccuracies or inconsistencies in reporting violate the FCRAs requirement for accurate credit reporting.

Accuracy Requirement : According to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that the information they report is accurate and complete. The discrepancy in the reported bankruptcy filing locations suggests a potential violation of this requirement.

Right to Documentation : 15 U.S.C. 1681g grants consumers the right to obtain and review their credit reports and any documentation related to disputed items. My request for documentation from both Equifax and TransUnion has been unfulfilled, which hinders my ability to verify the accuracy of the bankruptcy information.

Action Requested : I respectfully request that the CFPB intervene to ensure that Equifax and TransUnion : a. Provide accurate and consistent documentation regarding the bankruptcy case being reported from 2 separate locations. report.

b. Correct any inaccuracies or inconsistencies in the reporting of this bankruptcy immediately.

c. Update or rectify any erroneous information to reflect the correct court and case details immediately.

Thank you for your attention to this matter. I appreciate your assistance in resolving this discrepancy and ensuring the accuracy of my credit report. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Balanced {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX Balanced {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balanced {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened opened at XXXX XXXX IN on XX/XX/year>, under the account number ( XXXX ), a personal credit card account opened at XXXX  XXXX on XX/XX/year> under the account number ( XXXX ) with a balance of {$860.00}, and another personal credit card account opened at XXXX  XXXX on XX/XX/year>, under the account number ( XXXX ) with a balance of {$420.00}. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect 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
Product: Debt collection

I recently received a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Debt collection

On XX/XX/22 report # XXXX - This company, XXXX XXXX XXXX stated they couldn't locate this debt. They have also VIOLATED FDCPA by not sending out proper notices required by law to my address to inform me of this alleged/unknown debt. Instead, they reported it to the credit reporting agencies which has damaged my credit and has gotten me denied for a home loan. This account was in collection activity, and they still reported it. That's also a violation of FDCPA. This company have broken various laws. Each law broken is {$1000.00} each. I have attached my ID as proof of residence and also proof that this company stated THEY COULD NOT LOCATE THIS ACCOUNT when in fact it was on my credit. It doesn't make sense for me to 'provide '' proof of this alleged debt to your company if your the one that is reporting it? 

I have added Transunion and XXXX on this letter because they are in violation for allowing this company to REPORT INACCURATE INFORMATION. THESE CRA 'S didn't run a proper investigation.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report tonight, and I honestly have no idea how this happened. I check my report regularly, but this time, there were sudden discrepancies that Ive never seen before. I even tried refreshing my browser in hopes it was a glitch, but the inaccuracies remained. Because of this, I am asking for a thorough review of the documents Ive sent to put an end to this concern once and for all.
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. 
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 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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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 or other personal consumer reports

I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account from my report at once
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. 

As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.
Product: Debt collection

AFNI is on my credit report again, after being removed, and have had been made contact with. I do not owe AFNI nor the company that they are claiming to represent any money what-so-ever. This company needs to leave me alone! I Want them removed from my credit reports in less than XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and making it hard in me and my family financially. I need this information removed from my credit as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX  unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I disputed a tradeline from XXXX with Experian on XX/XX/2020 that came back verified XX/XX/2020 from Experian. On XX/XX/2020 another letter asking was sent for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Since Experian is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Experian failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Experian. 
All supporting documents have been attached
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.