23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

remove all negative items dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to dispute the correctness of specific information within my credit report. Enclosed, you will find the necessary documents highlighting the disputed items. It is imperative that the inaccuracies or omissions I've identified be rectified or eliminated. 
To substantiate my claim, I have included copies of my driver 's license, utility bill, and XXXX XXXX XXXX. I urge you to promptly investigate these matters as they are negatively impacting my financial situation and causing distress in other areas as well. Your swift attention to this issue is greatly appreciated. 
Thank you for your prompt assistance. 
XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

SINCE THIS INCIDENT ON XX/XX/XXXX, I HAVE CONSECUTIVELY MADE PAYMENTS FOR THE NEXT 6-12 MONTHS. 

This is XXXX XXXX reaching out in regard to my personal guaranteed business credit card I have established with your bank institution. 

I am emailing you pertaining to a late payment that is not only affecting my personal credit, but my business XXXX score as well. I have been a loyal customer with capital one since XXXX and I never struggled with paying my credit card on time. Earlier this year I came across this mishap and I am asking for forgiveness. I am asking to be understood as this late payment was a mistake made unconsciously. Due to my identity being compromised and my debit card being confiscated, I needed to wait for my debit card to come in the mail to update it to the auto pay option. If you take a look back into my payments with capital one for this business credit card, some are ATM payments made directly at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, PA XXXX United States Unfortunately, Capital one only has two locations in the PA area, and both are 30 minutes outside of XXXX. THIS IS VERY INCONVENIENT, and I am asking for you take this into consideration as to why I couldnt make an ATM payment when my debit card was confiscated. I also ask that there be an expending of Capital One Bank institutions in the city of XXXX. I know this will help not only me but multiple Capital one customers. 

I understand that you may have a million requests at hand, but I ask that you look into my profile and help turn my 99 % payment history rate into 100 %. Although this is just one late payment, it has tremendously affected both my companies and my ability to apply for credit and get approved. ATTACHED IS PROOF OF THE LATE PAYMENT AFFECTING MY PROFILE ON ALL THREE CREDIT BUREAUS. ATTACH IS ALSO PROOF OF MY DEBIT CARD COMING IN THE MAIL AFTER MY DEBIT CARD PRIOR WAS CONFISCATED. ATTACHED IS ALSO PROOF OF HOW FAR THE NEAREST CAPITAL ONE ATM IS NEAR TO MY LOCATION. PLEASE ADD MORE CAPITAL ONE BANK INSTITUTIONS IN THE CITY OF XXXX!
Product: Credit reporting or other personal consumer reports

There are credit inquiries in my credit report from XXXX XXXX til the present that I did not authorized. I only authorized one person inquiry which was in XXXX XXXX with XXXX XXXX XXXX  I have not applied for any credit since then and any inquires after XX/XX/scrub>XXXX XXXX are not authorized by me and should not be on my report
Product: Checking or savings account

I was n the midst of leaving Wells Fargo due to many disheartening and shady actions on their part, such as sending payments earlier than I requested and restricting my debit card and evasive rude customer service.

Since I was transferring my funds I kept my minimum in my account I deposited sufficient funds to cover any outstanding balances yet they didnt post them in a timely manner and kept charging me overdraft fees Customer service was contacted yet they were evasive and disingenuous as they usually are
Product: Debt collection

I was told to call and make my payment or schedule payments on the amount owed. Specifically told creditors not to save my bank info and they withdrew amount without my authorization.
Product: Debt collection

I owe medical debt due to a XXXX XXXX and XXXX will not stop calling me even after I explained I would set up a payment plan when I could but untill then please stop calling. 

I lost my job during covid and have frequent panic attacks often having to be hospitalized. 

They have called up to XXXX times in XXXX day from different numbers and then hang up on me. 

This is causing so much XXXX I don't know how to get them to stop calling and give me some time to get a job. 

I have job interviews set up and will catch up on this medical debt but the completely XXXX you and then hang up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- XXXX XXXX XXXX XXXX, I closed all of my accounts with Wells Fargo XXXX In XXXX of that year, I received {$1000.00} and {$140.00} charges and I was confused by this as I had closed all my accounts. I contacted Wells Fargo immediately, fearing fraud. WF advised me ( verbally through their customer service line ) not to pay in case it was fraudulent. It then took about six weeks to clarify what the charge. It turned out to be legitimate : overdraft protection kicked in when an autopay was pulled from the account after I had closed it. With this information in hand and the clarification giving me much relief that it wasn't fraud, I paid the bill in full immediately Unfortunately, In the few weeks that it took to get to the bottom of what was going on, my " excellent '' credit rating plunged over XXXX points to " good ''. In the past two years, I have written to all three credit reporting agencies, hired a firm that works on expunging unfair credit ratings, have appealed numerous times to Wells Fargo as the credit reporting agencies all told me that a letter of explanation from them would restore my credit. Wells Fargo continues to reply the same way which is to say Overdraft Protection was charged and there was no fraud. Which I am not disputing. The only thing I am asking is that the nuance of the situation be acknowledged and that be considered in a letter to the credit agencies. Again, I paid the amount in full the moment the explanation was provided to me. I carry no debt, own my home, and again have had exemplary credit for decades. That I would be punished with this egregious downgrading of my credit for making a legitimate inquiry and awaiting the response of a corporation that has the power to undo this in a heartbeat is beyond frustrating. Thank you in advance for anything you can do for me.
Product: Credit reporting or other personal consumer reports

XX/XX/23 XXXX ID security alert/ XXXX XXXX XXXX : Fraudulent application may be submitted in or my identity may have been used without my consent to fraudulently obtain goods or services. Someone write " I am XXXX XXXX XXXX XXXX XXXX do not extend credit without first verifying the identity of the applicant. I can be reached at XXXX XXXX XXXX .this alert will be maintained on file for 1 year beginning XX/XX/23. 
They used my name, and my phone number.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to Resurgent Receivables LLC and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX Bank, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights. I have previously disputed the Resurgent Receivables LLC account information on my credit report with XXXX, XXXX and XXXX, but the information remains on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian, which stated that my FICO had dropped 25 points. I have been a victim of ID theft, so am very conscious of any changes. I was able to review the latest report, which shows no changes. I called x4 to talk to someone about what the drop is based on without luck. There seems to be no way to access an individual and the telephone prompts do not cover this problem.
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 any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$69.00}
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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 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

The credit reporting agency XXXX has multiple incorrect addresses on file for me. I have disputed it and they continue to verify it but again not true! I looked up one address and it belonged to a business!! But they refuse to reinvestigate it.
Product: Debt collection

Transworld Systems Inc is reporting a debt collection account with the original creditor of XXXX XXXX XXXX XXXX. I never received notification of the debt owed, nor did I receive notice of my rights to dispute.
Product: Debt collection

Healthcare Receivables Group violated my H.I.P.P.A. rights once again and is attempting to collect on an alleged debt that does not belong to me. I have previously experienced unfair treatment from Healthcare Receivables Group. This is now my 3rd complaint about this company. Please be advised Healthcare Receivables Group are not Holders in Due Course. Healthcare Receivables Group received a validation notice from me stamped by the postmaster and received XX/XX/XXXX ; Healthcare Receivables Group have not responded and has continued to damage my credit files.

An authorized representative from Healthcare Receivables Group responded to complaint no. : XXXX on XX/XX/XXXX stating their account would be deleted from my credit report and sent back to XXXX XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX this account was NOT removed from my credit file and was actually UPDATED. 
I have uploaded a current credit report from XXXX to support that Healthcare Receivables Group continues to violate the FCRA & the FDCPA. 

On XX/XX/XXXX An authorized representative from Healthcare Receivables responded to complaint no. : XXXX stating their account was removed from my credit profile on XX/XX/XXXX and confirmation was confirmed on XX/XX/XXXX with XXXX. I spoke with a customer service rep from XXXX. ( I will not name her. She was extremely helpful. ) Healthcare receivables UPDATED their account again, it was not removed as stated in their response to my complaint dated XX/XX/XXXX. 

I did not sign or approve a medical releases of my private information to Healthcare Receivables Group. It has been proven that Healthcare Receivables Group are not Holders in Due Course, it has also been proven that my HIPPA rights have been violated once again and that I have never received any goods or services from these debt collectors. Please remove this account from my credit file It must also be noted that Healthcare Receivables Group never allowed me to properly dispute their debt before placing their account with the bureaus for collection. Proving they do not honorably allow their alleged clients to dispute the validity of their debts before placing their accounts with the bureaus for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Executive Correspondence Advisor Office of the President Kohls Department Stores Re : Kohls Charge Account ending in XXXX Kohls Case : XXXX CFPB Case : XXXX In regards to your response XX/XX/2020. I'm a have to disagree with your letter because I didn't open the Kohl 's Charge account mentioned above and of course it's going to be the same personal information provided if my personal information was obtained during the identity theft stage but it doesn't apply to me opening the account, I even sent you supportive documentation showing that I was XXXX  during the time period the account was opened in my name and you failed to provide the proper documentation that I requested, you provided statements that I'm not familiar with so therefore I trust the information provided didn't address my concerns. So looks like I will be proceeding with legal action because you didn't provide the following listed below. 

Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 
Name on file of alleged debtor. 

Alleged account number. 
Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification thatthis debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful.
Product: Credit card

Ive reached out to this company over the last 6 months and they refuse to fix the identity theft attached to my name. They are violating my consumer rights and will be sued for FCRA violations if this is not corrected immediately.
Product: Debt collection

The company Hunter Warfield calls nearly every day, twice a day and leaves a robo voice mail that they are calling about a debt. However, when I have answered the phone there is just dead air space. This company does not appear on my credit report.
Product: Checking or savings account

1. On XX/XX/XXXX I was assessed a XXXX overdraft fee on one of my PNC accounts.

2. I had 100.00 on one of the other accounts to cover any transactions, plus based on my budget and expenses, I knew those XXXX would cover anything coming. I am enrolled on overdraft protection.

3. When I called PNC to ask as to why I was charged that fee, I was told that it was because balance on the account was XXXX. When I told representative about the account with the XXXX, she told me such account was not part of the overdraft protection.

4. Back in XX/XX/XXXX, a PNC employee by the name of XXXX XXXX assisted me with an issue and he opened a checkings account for me ; I'd asked him to ensure all of my 3 accounts were connected and part of the overdraft protection. At any point during such conversation did he told me that would have not been possible.
Product: Checking or savings account

I called USAA on XX/XX/XXXX18 at XXXXXXXX XXXX to report a transaction I didnt recognize. I was transferred from credit card to debit card customer service. The rep on the phone asked me for my ssn, name, date of birth, and phone number, and PIN for phone banking and I provided it all. They then asked me for my childrens names and dates of birth, which I felt was invasive and would not provide. I asked to speak to a supervisor and she refused unless I provided that info. After a lot of back and forth she did transfer me, but no one would access my account or take the fraud report b/c they say I could not verify myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the prior complaint # XXXX, the credit reporting agencies are not following the guidelines on removing items and not replacing them. XXXX  XXXX XXXX  said they removed 2 late  payment from all the credit reporting agencies. XXXX  is the only one that only show 3 late payments which is correct but theses dates should be removed XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. 
On Experian Boost they are showing 5 late 30 days, which is incorrect. 4 late payments 60 days and that's not correct. Also on the Experian Boost report for XXXX, they have 4 late 30 days and 3 late 60 days, both are incorrect. Between Experian and XXXX XXXX XXXX, This should be corrected immediately. I only have 2 open accounts on my report not 6. Experian have XXXX on my report which is currently under bankruptcy. I have file a dispute several times for XXXX  / Experian to correct this.
Product: Debt collection

To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. On XX/XX/ I took action with all credit reporting agencies to correct these inaccuracies, certified mail, with no relief! I have noticed a collection, trident asset management ) As collector of debts, attempting to collect a debt I am not aware of. I have never received a letter of debt validation from these agencies.l believe they are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. lf you'd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status.If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC Vs XXXX XXXX XXXX make clear that it " debt parking '' without proper notices is a violation of consumers rights.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.