23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX i disputed this bill with Consumer Financial Protection Bureau, and it was removed by Paragon Revenue Group. This bill was re-added to my credit report from you on XX/XX/XXXX for {$2500.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely, XXXX XXXX Previous Case from CFPB XXXX Also
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance XXXX {$320.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$2300.00} Bankruptcy XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if 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. 

Please remove the following items from my credit report, immediately : 1XXXX XXXX - late payment 2XXXX XXXX- charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Too many people called XXXX and me and distracted us from focusing on my family during the crisis. My credit is a mess because of you.
Product: Debt collection

THIS COMPANY HAS THE WORST CUSTOMER SERVICE EVER. I HAVE BEEN CALLING FOR 2 WEEKS BUT THE DEPT I NEED IS NEVER AVAILABLE. THE REPS HANG UP ON ME CONSTANTLY OR THEY ; XXXX PLACE ME ON HOLD THEN HANG UP. I NEED A DISPUTE MARK ON MY CREDIT REPORT TO BE REMOVED. THE ONE TIME I SPOKE WITH A REP IN THE CORRECT DEPT THEY GAVE MEBAD INFORMATION THEN PLACED ME ON HOLD THEN HUNG UP. PLEASE HELP )
Product: Credit reporting or other personal consumer reports

I looked at my credit Report it shows on these false information they charging more on my monthly payments than Im so post to be allowed on my contract I signed & false on time pay history on some accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ), ( XXXX  XXXX  Account Number : XXXX ), ( XXXXXXXX XXXX XXXX Account XXXX ) ( XXXX XXXX XXXX XXXX Account XXXX ), ( XXXX XXXX XXXX XXXX  Account XXXX )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the reporting of charge-offs on multiple accounts in my credit report dated XX/XX/year>. I recently made payments on these accounts in XX/XX/year>, but my report does not reflect these updates. Given these discrepancies, I am requesting the deletion of the charge-off status on the following accounts : Accounts in Question : Capital One Account Number ( Masked ) : XXXX Balance : {$11000.00} Pay Status : Charge-off Capital One Account Number ( Masked ) : XXXX Balance : {$1500.00} Pay Status : Charge-off Capital One Account Number ( Masked ) : XXXX Balance : {$1200.00} Pay Status : Charge-off XXXX XXXX XXXX Account Number ( Masked ) : XXXX Balance : {$1900.00} Pay Status : Charge-off Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ), creditors are required to furnish accurate and updated information to the credit reporting agencies. The failure to reflect my recent payments on these accounts violates this requirement, resulting in incomplete and misleading information on my report. 

In light of these inaccuracies, I am requesting the deletion of the charge-off statuses on these accounts to prevent further negative impact on my credit history. I expect a response within 30 days regarding the results of your investigation, as mandated by FCRA guidelines. 

Thank you for your prompt attention to this matter.
Product: Debt collection

R & R Prfssnl Recovery has a account on my credit that doesn't belong to me they have never sent me any documentation of the account or a time for me to dispute the claim. I have received nothing from this company
Product: Vehicle loan or lease

Bought the car XXXX XXXX XX/XX/year>- XXXX company went bankruptcy 8 months later. 

- Issues : Not able to get XXXX software updates for recalls No manufacturers for spare parts Car will randomly turn off due to unannounced XXXX XXXX  that is causing my car to malfunction and not work as intended. 
Sensors get water into them and now do not work. 

Chase has not reached out to take this car back per the XXXX XXXX am still paying on a car that classifies as a lemon law but no one will take it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is hard enquiry addded to my credit report on the XXXX XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want it to be removed I do not know anything about it. 
On the XXXX of XX/XX/2022 an XXXX was added from XXXX XXXX finance. 
XXXX account was added but it is an old account I want it to be removed. 

XXXX XXXX was added as an enquiry I want it to be removed I am not responseble for this Old account XXXX XXXX XXXX was added I want it to be removed it was closed. 
XXXX XXXX XXXX XXXX XXXX  XXXX was added as an account I do not recognise this account I want it to be removed from my report. 
Also XXXX XXXX XXXX  I do not know this enquiry I want it to be removed ' XXXX  was cloced years back I want it to be removed. 
XXXX XXXX XXXX XXXX XXXX  I also want that account to be removed it just recently added without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I paid for my credit report initially on XX/XX//2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of XXXX XXXX XXXX with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on EXPERIAN. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you
Product: Credit reporting or other personal consumer reports

I notice on all three credit bureaus that refuse to remove old charges off and collections account off my credit reports. It been over seven years the credit bureaus allowed these companies to keep reporting each month on my credit reports. Making hard for me to get a good job and to have a better credit score please look into the matter. 







Thank You.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter in the mail a few days ago from Convergent Outsourcing , Inc. in regard to a debt collection of {$1400.00} that I do not owe. Due to the fact that I have no recollection of the said account that are referring to. I am an identity theft victim as of XXXX. I have a police report, and a FTC report, and my credit file reflects this status. 

I am going to be emailing the company at XXXX with this report attached, along with the police report and a cease and desist order. 

That any further reports on the credit, communication, etc will be automatically forwarded to my attorneys and their teams.
Product: Debt collection

I have a near {$1000.00} XXXX debt which is impossible because Ive had XXXX for a decade and the initial charge came up when I was trying to buy a house and wouldnt have opened any kind of new credit. I began the home buying processing in XXXX and bought a house in XXXX and again I already have had XXXX why would I open a XXXX account and not pay!!?! XXXX was NO HELP!!! Im infuriated nothing about my credit history even lined up with this! My credit was so high nearly XXXX before all of this Im ruined!
Product: Debt collection

I pulled my annual credit reports and found I had a collections account on my reports. Penn Credit Corp in the amount of XXXX. I had no idea of this debt and was not notified that or recognize this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I attempted to rent a home from a property management company. They misrepresented the property, we never took possession of it and were told we weren't financially responsible. I have a letter and receipt saying there is a {$0.00} balance. They offered us a different property, then withdrew it. 
We filed a complaint with XXXX  over the whole situation after they tried to bill for rent after the fact. The case is still open and we have communicated with Hunter Warfield aggressively, going as far as to continually send the updates from XXXX as we received them. The case is pending and the balance in question is part of the direct complaint. This is also being handled at the Attorney Generals office. 

They have ignored anything we have shared and wrongly placed this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Product: Consumer Loan

While reviewing my credit report, I noticed that an unauthorized and fraudulent inquiries were made by CAPITALONEBANK on XX/XX/2016 & XXXX/XXXX/2016, on XXXX, XXXX, XXXX AND XXXX.I did not authorize these anyone employed by CAPITALONE BANK to initiate any inquiries into my credit. This act was fraudulent and unauthorized, thus, a clear violation of my FCRA and a breach of my Privacy Rights. 
I have requested CAPITALONE BANK to permanently delete these adverse information and/or provide me within 5 business days any written signed documents from me authorizing such inquiries so that I can verify the validity of these inquiries. 
I am requesting that CAPITALONE BANK contact all the credit reporting Agencies to dele these inquiries without further delay as this directly affects my ability to obtain credit, employment and housing.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX CFPB complaint has been led 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 at XXXX XXXX  and XXXX XXXX appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 card or prepaid card

I did a balance transfer in the amount of XXXX and I send it to TD bank to pay off my credit card and on XXXX the XXXX I was received and TD bank has place this funds on hold make me unable to use my credit card and any future payments I made to this account will on hold in the future I also made a payment in the amount of XXXX and again they put this payment on hold they wouldnt call both of my banks to verify the funds has clear and I offer them the phone numbers but they refused to call my banks and Im stuck with only XXXX dollars on my credit card vs XXXX limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a request to Equifax following the passing of my father to mark his credit file as deceased and get a final copy of his credit report to verify that there is nothing outstanding that I didn't already know about. What I received in response, addressed to me at my address, was a credit report for a completely different individual. I have her full name, date of birth, current & previous addresses, I know what credit cards she has and how much she owes, I know the bank and balance of her checking account, and all the reported places she's worked. While I don't know her full SSN, I can tell you that the last 4 digits of it match that of my father. That is the only similarity between the two and I believe that is where the mistake was made. A second letter from Equifax makes the same mistake and details a change to the account. 

I called Equifax to tell them about the mistake. They got information from me about my father and said that they were sending me the correct credit report. They didn't seem surprised or alarmed that they had sent out the wrong report initially. After my information was divulged in the breached by this same bureau last year, this is even more troubling. Since consumers don't have any choice in the bureau having our sensitive information, I would hope that they would make every effort to protect that information through security measures and preventing human error. This does not appear to be the case. 

I'm attaching my initial request to Equifax, the single page letter about a change to the account, and one page of the credit report to emphasize the sensitive information I was provided. I did double check to make sure the SSN which I had provided was correct. I have not redacted any information from the pages, but will not share this information with anyone else. I do intend to send the individual a letter so that she can contact Equifax directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have dispute this account over and over and I never get no verification of any document sent to me for any account and these student loan where removed and the credit bureau aloud them to come back on after a year later what verification are the credit bureau even ask the creditor to provided to make sure these account are accurate I would love to know
Product: Debt collection

WAKEFIELD & ASSOCIATES ( creditor : XXXX XXXX XXXX XXXX ) has attached a collection fee/interest rate toward the debt of {$810.00} they state is in my name. The original debt started at {$710.00} and after fees has increased to {$810.00}. Attaching this fee to the debt is ILLEGAL and a direct VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). This debt of {$810.00} MUST BE DISPUTED AND DELETED FROM MY CREDIT REPORT. I will be suing if this debt is not disputed and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, Transunion, and XXXX are reporting fraudulent information.