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

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The discovery that a debt was not disclosed to me, nor was any contract established with a collection company, raises serious concerns regarding privacy and legal compliance. This situation potentially constitutes a violation of the Health Insurance Portability and Accountability Act ( XXXX ), as it pertains to medical debt. The absence of transparency regarding the debt 's existence and the involvement of a collection agency suggests a lack of proper authorization or consent. HIPAA regulations are designed to safeguard individuals ' protected health information, ensuring its confidentiality and proper handling. Failure to disclose medical debt and involve individuals in the debt collection process not only breaches HIPAA regulations but also infringes upon their rights to privacy and due process. Addressing this issue requires thorough investigation and corrective action to rectify any violations and ensure compliance with relevant laws and regulations.
Product: Debt collection

Since approximately XX/XX/2020, the company HRRG or Healthcare Recovery Group has been calling my phone with an automated system in an apparent attempt to collect a debt. When I speak with them, I am informed they have no information on me or my telephone number. I currently have no outstanding debts and have no idea why this company is calling me. These calls occur almost on a weekly basis. I have ask them to stop calling and to remove my number from their system. They assure me they have taken the number out of their system yet the calls continue. I have filed complaints with their company, the state and the XXXX. The calls continue. I am asking the CFPB to assist in making this unwarranted And unwanted harassment stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a XXXX XXXX XXXX XXXX   showing with issues and the loan was done in fraud by XXXX XXXX XXXX XXXX There are documents forged and not a legal binding contract nor is the instrument by XXXX XXXX XXXX XXXX   legally binding. 
I need by Experian legally proof and the documents proven legally sign by the party as it states personally appeared before. Need proof of Signature as Authentic by me. 
I have attach copy of the document and its what's make/makes the instrument legally binding for the debt. 
If Experian cant prove the document is my Authentic signature I will pursue to add them in my lawsuit as errors or information as showing false/Forged by what ever parties.
Product: Debt collection

I was reviewing my credit file and this company CACH/RESURGENTS is trying to collect {$440.00} from me and I have never had any dealings with this company and they are reporting late payments on my credit report from XX/XX/XXXX-XX/XX/XXXX. Please have them send me documentation of account opening and proof of me signing a contract with them which says I agreed to pay them {$440.00}. If I owe them this money, what did i receive or purchase for {$440.00} because I have no idea this account was opened in my name. I have no knowledge of this debt and do not owe them {$440.00}. 

Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting

I filed a dispute with Nelnet regarding the reporting of the defaulted credit lines from back in XX/XX/XXXX. Nelnet responded back citing the FCRA, essentially calling my dispute frivolous and saying they are not required to investigate. THIS IS INCORRECT- my dispute is not frivolous ; in fact I provided additional facts to support my claims than in previous disputes, provided a different argument, and their claim that the trade lines will report for seven-years after the loan was paid in full is legally incorrect since these loans are Stafford loans, not Perkin loans. 

I requested the negative information posted on my credit report from my XX/XX/XXXX default to be removed since the company has breached our rehabilitation agreement. When I spoke with the credit collector regarding these defaulted loans in XX/XX/XXXX, I was informed that if I complete the full rehabilitation program, that they would remove the negative marks from my credit report. I relied on this agreement, so much so that I even stalled paying off the loans in full until the program was complete since they told me that if I pay it off in full before the program is complete that they would not remove the negative marks from my report. So, I waited to pay it off, and once the program was complete, I paid off XXXX out of XXXX of the student loans in full right away. This can be verified from my payment history. Despite the fact that I upheld my end of the agreement, Nelnet did not uphold their end and continues to report the negative marks on my report and refuses to investigate my claims by hiding under the " frivolous '' claim. I ask for Nelnet to uphold their end of the agreement and remove my negative marks from my credit report for loan numbers # XXXX-XXXX and XXXX-XXXX for loan groups XXXX and XXXX. 

Further, their assertion that the negative reports must be reported for seven years after the loans were paid in full is legally incorrect. That claim would only be legally correct if my loans were Perkin loans, per 15 U.S.C.A. 1681c. That same statute, however, does specify a statute of limitation for reporting the negative information to seven years + 180 days after the date of delinquency. The date of delinquency for these accounts was XX/XX/XXXX ; 90 days past due was XX/XX/XXXX ; and the statute of limitations is thus XX/XX/XXXX. In the alternative of fulfilling their agreement to delete the negative notations from my account, I want a firm commitment to remove the negative marks by XX/XX/XXXX.
Product: Debt collection

This debt was discharged. Now its back under a new company. XXXX is tanking my credit over something that was there fault. Why should I pay this debt when I had told these people to turn off my service? All three credit reporting agencys are now in such a bad place I cant even apply for a car lease. Theres still errors on my reports and when I try to dispute them its like I dont exist. XXXX  is another one and I have never applied for a XXXX card but I have to wait till they drop off. WHY??? This is so unfair. There even telling me I have no work or credit history when I apply. Why does social security have a more detailed history on me then these credit reporting agencies? They are supposed to be so important in getting cars and homes but I find that the information is so wrong. I also have student loan asking for the principal. Are they going to tank my credit too?
Product: Credit card or prepaid card

Under the XXXX, I was given a debit card from US Bank onto which my XXXX funds would be placed. On XXXX I noticed XXXX dollars transferred out of my card to someones bank. I filed a dispute and US Bank replaced the card and put money back into my account. Then, after using a new card they had sent, I became locked out of it and could not use it or log in. This was around XXXX. I called US bank and they helped me log in. Apparently my email had been changed to an unknown one to me. There was only XXXX cents left in the account. I filled out a dispute form again, and then they denied my claim. 

I then contacted the Officer of the Comptroller of Currency, that responded by letter, saying that I should be getting a reply from US Bank. US bank then sent me a letter stating that my account had been credited {$19000.00}, exactly the right amount that had been stolen. In order to unlock my account, US Bank needed further proof of my identity, which I provided to them on their own website ( sometime in XXXX ). I have no hard copy of it. After still being locked out, I called on XXXX and the representative said that the web form I had filled out did not exist. That same day, I sent an email with all required documents to XXXX, which was another option to prove my identity. I am still locked out and have not received my replacement card. Although I did get another letter explaining how to prove my identity ( dated XXXX ). I hope you can help me access my funds. 

US Bank rep did say that I could access the account, close it, and have a check sent to me so I could place it in a safer spot, in my bank.
Product: Checking or savings account

in XXXX and XX/XX/2023, I made 2 payments to XXXX XXXX for {$2500.00} each from Bill pay. I inserted her routing number and account number to get her paid. I thought she was paid but she never received the payments. In fact, her payments went to a completely different bank and account number. This happened also to my payments to XXXX XXXX. Again a different account and bank than what I entered. 

I told Huntington about the problem and they cursory said it went were it was supposed to go when it did not. I want the money back now.

I again spoke to Huntington and they said that something was changed in the online bill pay in XXXX. I did not change anything so they froze my accounts without my knowledge or consent which wreaked havoc on my business. I want those funds returned immediatlely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX  XXXX XXXX XXXX XX/XX/2016 XXXX  $ - account closed in XX/XX/2016 for XXXX but it shows open not closed and it keeps showin late. 
XXXX XXXX ( fraud asked for signed documents plus proof its me. Never received any proof and its still on my credit
Product: Debt collection

I am a victim of the XXXX data breach. Caine & Weiner contacted me via a letter XX/XX/, about an alleged debt I have no knowledge of. I disputed the entire debt amount of {$510.00}. Not only did I dispute the alleged debt and notify Caine & Weiner that the debt did not belong to me, I also asked Caine & Weiner to provide me with specific information pertaining to the alleged debt as required per the FCRA. Caine & Weiner did not provide me with the pertinent information and is continuing to attempt to collect on a fraudulent debt and is negatively reporting this fraudulent debt to all three Consumer Reporting Agencies, resulting in my credit score decreasing almost 30 points. Please have Caine & Weiner remove this fraudulent alleged debt immediately and pay remedies to me for violation of the FCRA laws listed in supporting documents. I have filed an identity theft report with the FTC. I will also file a police report with law enforcement, a complaint with the XXXX and State of Attorney General then file suit. Please see all supporting documents attached.
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect information on my consumer report. Under federal law the reporting agencies are required to report accurate information. My name is XXXX XXXX XXXX there should be no other names or variations of my name listed are this is considered identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX there should be no other address listed and if there are it is incorrect and causing me to be denied credit because of this incorrect information. Delete every phone number listed it is not mine and you do not have permission to report it. The employer listed as XXXX is incorrect and needs to be delete immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the account ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX BANK 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

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Product: Checking or savings account

XXXX XXXX Claim # XXXX On XX/XX/2023 I disputed a transaction with XXXX through Capital One bank. I disputed this transaction because the vending machine I purchased from the merchant did not work at all and I had to replace by purchasing a new one. I sent Capital One all of my evidence via email. I can tell that they did not read my evidence because they still sided with the merchant. I asked them to reopen the case. They never requested additional details about the case. They just told me that it would take 10 business days to review. I contacted them during this time to submit additional documentation to support my case and the phone rep gave me the wrong email address : XXXX the correct email address is XXXX. So I resubmitted the documents to this address today and I received a statement that they sided with the merchant again proving that they did not review my evidence again. And after the phone rep today XXXX XXXX XXXX stated that they would reopen the case. 

The vending machine I received from the merchant selling on XXXX voltage was above the standard and maximum amount for the US. Based on the Department of Energy the standard in US is XXXX XXXX  the machine I received was XXXX XXXX. The merchant lied and said that the machine was XXXXXXXX XXXX. The machine did not work at all. 

( In the United States and Canada, national standards specify that the nominal voltage at the source should be XXXX XXXX and allow a range of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 5 % to +5 % ). Historically, XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX have been used at different times and places in XXXX XXXX. 

There is not only a physical difference between plugs, but also an issue of electrical incompatibility. There are various voltages as well as frequencies used throughout the world. For instance, in the United States, we use XXXX ( XXXX XXXX ), while in many other countries, XXXX ( XXXXXXXX XXXX ) is used. This is because the electrical standards were originally established by the individual countries and at the time, there was no international standardization. So if you travel to another country, and you would like to take your favorite electrical device ( e.g. digital camera, laptop, XXXX player ) then make sure you also have an appropriate converter as well. ) The merchant also lied stating that the machine was left outside and got wet. This is not true my machine was installed at the mall location the same day and housed under two roofs. I asked the merchant over 5 times how could I return the machine and they ignored my request each time. The merchant offered to send parts for me to fix the machine myself. This is not an acceptable solution this is equivalent to me purchasing a brand new car, it not working and the dealer saying we are not going to let you return the car, but we will send you the parts to fix it yourself. The company is basically stealing my money by selling a defective product. 


The bank has been less than helpful because if they review my material they will find that I was not a fault and the merchant sold me a defective item.
Product: Credit reporting or other personal consumer reports

I have had my rights violated consistently with XXXX XXXX XXXX XXXX XXXX XXXX is listed as a charge-off with the designation Profit and Loss Write-off by Grantor. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), I believe this information is being inaccurately reported.

If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from your institution, as required by IRS regulations for reporting the cancellation of debt. However, I HAVE NOT received such a form. This suggests one of the following : The account is being inaccurately reported to the credit bureaus, which is a violation of FCRA Section 623, Or Your institution has failed to report the charge-off correctly to the IRS, which could potentially indicate fraudulent activity. 
Under the FCRA, you are obligated to ensure that all information you report is accurate, complete, and verifiable. If this account is listed as a charge-off in your internal financial records, the information on my credit report must align with the way it is filed with the IRS. Inconsistencies between these records are a clear violation of federal regulations. 
This inaccurate reporting has severely impacted my ability to obtain new credit and caused undue harm to my financial standing
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and fraud, during my due diligence I have noticed several accounts that were opened without my knowledge or permission. During this time I have notified all the credit bureaus about the fraud and inaccurate information. I have called numerous times and sent a certified letter to Trans Union with no success. I was told today XXXX that " they '' don't remove inaccurate information, that it was my problem to call the creditors to remove it, I informed the agent that I do not have a relationship with this creditor as I have never done business with them. I have several disputes dated XXXX, XXXX, XXXX, and XXXX with the last one still sitting in review stage after over 2 months. The file number associated with this account is XXXX. I am demanding that any and all information related to XXXX XXXX  be removed from my credit profile as I have NEVER done business with them in any context. I have also submitted a police report, a FTC identity theft report with no resolve.