23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector XXXX XXXX reported a XXXX account that was opened on my name in Michigan ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the three credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both XXXX XXXX and XXXX XXXX are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, AFNI INC is doing the same thing and the account is currently under dispute. As soon as I told AFNI that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE TO BE DELETED IMMEDIATELY OR LEGAL ACTION WILL FOLLOW AND SUIT WILL BE BROUGHT UP ON TRANSUNION FOR VIOLATING MY RIGHTS!!! 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). you transunion have violated my rights i am disputing all of the debt they have allegedly verified and they stated all of the information on the accounts as accurate but that is not true i did my research and found improper inaccuracies there are many inconsistencies among the three credit bureaus even after the disputes and validation letters i sent them that include but are not limited to dates accounts opened, date last active, date of last payment, last reported date, past due amount, high credit and balance. furthermore in accordance with the fair credit reporting and convergent accounts # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # 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 a consumer reporting agency can not furnish an account without my written instructions you will be held liable i need the accounts deleted from my credit report immediately as you have now violated my rights and taken longer then 30 days to respond
Product: Debt collection

I have been reporting that this debt along with others are not consented by me. I have had my identity stolen and trying to clean up this massive mess someone left for me. This capital one credit card in particular looks like it was written off in XXXX however late payments are still being reported as the last one was XX/XX/XXXX. This is not my account and demanding it be removed. Also the reporting balance is higher than what the limit actually was. This account was opened using fraud and not by me. They may have my correct information but again was not done by me. I have been trying to fight this with no success. My identity was stolen and still dealing with the effects of it.
Product: Debt collection

I went to this XXXX XXXX on XX/XX/XXXX. I paid XXXX dollars which is my co-pay for urgent care with insurance. I am now getting bills and a credit collection notice for the XXXX dollars I paid. I can attach proof from my bank account. The girl who took my payment had XXXX XXXX  hair, was XXXX XXXXXXXX and had XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the alleged debt reported by XXXX XXXX XXXX XXXX XXXX on my credit report with account number ending in [ XXXX ]. I challenge the ownership and validity of this debt, as it has been erroneously reported as a " charge-off '' without proper verification or validation. 

Background : Ownership Dispute : The account in question does not belong to me. I have never entered into any agreement with XXXX XXXX for this account, nor have I received any documentation to substantiate the legitimacy of this debt. 

Inaccurate Reporting : Despite my previous disputes, XXXX XXXX continues to report this alleged debt as accurate on my credit file. This reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that creditors only report verified and accurate information. 

Failure to Validate Debt : Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX is required to provide documentation to validate the debt upon request. To date, no such validation has been provided.

Charge-Off Status Misrepresentation : The account is reported as a " charge-off, '' which indicates the debt was written off as a loss. However, a charge-off does not absolve the obligation to validate the debt or accurately represent its ownership.

Concerns : Misrepresentation of Debt : Reporting a debt without proper ownership validation not only violates federal law but also causes unwarranted harm to my credit and financial standing.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. t I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 agency.
Product: Checking or savings account

I made deposits on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to cover purchases I was about to make.

On each of the occasions above the bank processed an overdraft transfer resulting in an overage that matched the transfer that I made and then processed a {$12.00} handling fee.

I discussed the issues with the bank on each occasion and was told that the bank process the transfer and fees on a different schedule from deposits. The fees are assessed before deposits are taken into account so it didn't matter if a made a deposit and it showed in my balance before the purchase because the bank did not look at the current when the fee was assessed and refused to refund the fees. This has been going on for months.

I believe most folks would not complain or even notice but I am very aware of my balance as this company has a long history of playing games with fees, however in the past they have been good about refunding. So I have not left. I have been with this bank for a very long time and they do very questionable things with their fees.

I would like my fees refunded but also believe something needs to be done to reign in the questionable practices at this bank it has gone on too long and the employee on my case was beligerant about their right to charge me whatever they want even if it is clearly incorrect.

After looking at my account the employee agreed that there was an error but said policy was not to refund fees even if they were incorrect XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian are continuing to be negligent with reporting information on my consumer report XXXX, XXXX XXXX XXXX, natural person, consumer, did not consent to, benefit from, nor authorize the reporting of the following accounts : XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX {$680.00} - ACCOUNT # XXXX, {$740.00} XXXX. XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX XXXX XXXX - ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been giving a hard time disputing inaccurate information off my credit report. I have disputed several items from report in which has effected me from getting credit. One item is a bankruptcy i have disputed this item several times. all three credit bureau say that the United States Bankruptcy Court has verified the information of which is inaccurate.

According to FCA credit bureau are to verified through the furnisher not a third party. i have supporting documents stating that the furnisher do not report to any credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I was involved in an auto accident that as a result of the negligence of the other driver i was injured and my car totaled. Prior to that I was never!! late with payments. The insurance company paid more than XXXX to XXXX XXXX XXXX XXXX for my can o ( they are the finance company ) I do also have an attorney and we are suing the driver. I have constantly communicated this with XXXX and they have now turned into the most aggressive collections agency ever. rude, harassing to the point I had to change my contact phone number on the account to a dummy number because they would call 5-8 times per day! My attorney got involved and the amount is being included in the suit, however XXXX XXXX now reports the payments 3 times per month on my credit report and un willing to negotiate any terms other than 30 days then listing as settled. This is a blatant attempt to extort. My score decreases ore than 22 points each time they post this and now its so low I cant get another car. It took me 3 months to have the update the account as they continued to report late and the outstanding bal was still more than XXXX even after posting the payment from insurance XX/XX/XXXX! This is extortion, in accurate, unprofessional and now I have to wait for my settlement to pay off all debit and hope for a huge score increase to buy a new car!
Product: Credit reporting or other personal consumer reports

XXXX XXXX did not provide me the option to opt out before reporting on my credit, 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure. 
Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.
Product: Debt collection

No mine. I not knw who medical billing ppl are. Not been any medical hospital since XX/XX/XXXX. This {$510.00} duplicate debt report # XXXX was sold to different 3rd collection Co XX/XX/XXXX Bec it got deleted twice of same amt XX/XX/XXXX & XX/XX/XXXX was disputed 2 different collection co XXXX  XXXX XXXX XXXX XXXX XXXX XXXX sold to different collection co when got disputed & erased from my credit report & now sold to 3rd different collection company Ability Recovery collection started new one in XXXX of same exact duplicate {$510.00} each that is not mine!
Product: Money transfer, virtual currency, or money service

Capital One sent me a trace number. I called XXXX XXXX with the trace number and was told that number didn't match anything. I then told XXXX XXXX  my identity had been stolen and gave XXXX XXXX my personal information and was advised that yes someone tried to open an account in my name. But XXXX XXXX was suspicious and froze the funds. They then sent the money to XXXX XXXX who also told me they have the money and it is in hold. XXXX XXXX needs to speak with someone from Capital One to have the money returned. I have advised Capital One of this but no one will contact them. 

I received a letter from Capital One telling me I, on XXXX, set up a link to XXXX XXXX  and authorized the transaction. First I was in the hospital at that time and next, I NEVER established a link to XXXX XXXX. I called and spoke to Capital One about the 2 transfer links that were set up by me previously, and neither of them are to XXXX XXXX. I asked the person if there was ever a link to XXXX XXXX and he told me no. SO, whoever sent this letter is completely wrong and takes the easy way out by just denying my claim. I have given them all the info they need and just want them to use it and get the money.
Product: Debt collection

On XX/XX/2017 I opened an account with XXXX XXXX.I switched providers thinking everything was good with no money owed, I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Product: Credit reporting or other personal consumer reports

I am filing a formal compliant challenging the reinvestigation of the disputed item ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my TransUnion credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), including Sections 623, 611, and 605B ( 15 USC 1681c-2 ). Despite my previous response, TransUnion is indicating that the information in question has been verified as accurate and updated for XXXX  updated and verified as accurate updated XX/XX/XXXX, XXXX  XXXX status updated XX/XX/XXXX and verified as accurate for XXXX XXXX  updated XX/XX/XXXX, I am challenging the method and sufficiency of the investigation. 

Specifically, I believe TransUnion failed to meet its obligations under FCRA Section 605B. As you are aware, this section requires credit reporting agencies to block information that appears on a consumer 's credit report as the result of identity theft. I submitted the necessary documentation to support my claim of identity theft, yet TransUnion failed to block this inaccurate information in a timely fashion as required by law. Additionally, the mandated notice of the dispute was not been properly reflected on my credit report or in a timely manner.

Under Section 611 ( a ) ( 1 ) ( A ), I have the right to challenge this dispute the completeness or accuracy of any information on my report. Additionally, under Section 623 ( b ), information furnishers are required to conduct a reasonable investigation into disputed information. However, I question the validity and thoroughness of TRANUNION investigation, and the methods used for verification. Finally, I also insisted that they do not use automated verification methods such as e-Oscar to investigate my claim, as these methods are insufficient for verifying the accuracy of such serious allegations.
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 Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

I filed a CFPB Complaint # XXXX and Experian responded with " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. '' How can I prove that the complaint was sent directly by me and authorized by me? My EXPERIAN Report Number is XXXX.
Product: Checking or savings account

Citibank response to complaint number XXXX handled by XXXX XXXX from Citibank was inaccurate and incomplete. I have never been given a Client Manual of Consumer Account from Citibank for any of my checking accounts. In his response to my complaint he supposedly downloaded this manual for for my review of Citibank policy in regard to stop payment of checks, but only the cover page of manual was enclosed. ( I wonder if this was done on purpose and used as reference just to deceive CFPB and me ). The records on my checking account were modified in regard to check number XXXX for {$1700.00}. Teller # XXXX does not appear on the records anymore and neither a copy of the check is available for my review unlike with previous checks I have written.
Product: Checking or savings account

I was promised XXXX XXXX  for opening an Amex Business checking account. 

1. Funding $ XXXX. 
2. Completing 10 transactions. 

I completed all of the above but did not receive the bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account off and asked numerous of times for it to be closed its still showing on my credit profile Ive reached out to customer service plenty of times they advised me to pay the balance of {$20.00} which I did not make but paid it for it to be deleted as due to fraud its still showing on my credit Open Account XXXX XXXX  XXXX This account may be hurting your score Account Details Status Open Date Opened XXXX Last Payment -- Balance {$20.00} Limit -- Date Closed -- Monthly Payment {$20.00} Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XX/XX/Date Reported XXXX Remarks -- Amount Past Due {$20.00} High Balance {$20.00} Terms -- Account Type Secured credit card Late Dates XXXX ( 30 ) Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- KIKOFF LEND - XXXX Worst Status Current Responsibility Individual Account Number XXXX Late Count -- 30 / 60 / 90 Days Late -- Date Reported XXXX Remarks Account paid from collateral Amount Past Due No Info High Balance {$120.00} Terms XXXX Account Type Secured loan XXXX - XXXX Status Closed Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks Closed Amount Past Due No Info High Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I transferred money out of one credit card to another. The receiving bank, XXXX XXXX, posted the incoming transfer on XX/XX/XXXX. Citi never released the money from my account. Calls to both banks have not fixed this problem. I now owe money to both banks and Citi is charging interest they should not be.
Product: Credit reporting or other personal consumer reports

i am writting to formally request the removal of fraudulent inquires that are on my credot report that was added without my knowledge or consent i have been a victim of identity theft my information has bee exposed to multiple data breaches which i belwive has lead to my information being used in attempt to open accounts in my name the fraudulent inquires in question are as follows : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the inclusion of a timeshare on my credit report. 

This account is not mine, as it was fraudulently sold to me under false pretenses. I immediately sent a rescission letter to cancel the contract, but it was wrongfully denied. 

The account was never opened, set up, or used, yet it has been reported on my credit file. Additionally, this account has been charged off and closed multiple times in the past but was reopened in XX/XX/year> without my knowledge or consent. 

I have made multiple attempts to dispute this information and have provided supporting documentation, including the rescission letter. I request a thorough investigation and immediate removal of this inaccurate account from my credit report, as required under the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

Since XX/XX/2020, I have be attempting to have a Mr. Cooper ( Mortgage provider ) to accurately apply mortgage payments to the home mortgage account. Please see the attached document for a visual picture of the transactions taking place. Even with providing requested documents ( ie receipts ) the account has not been reflected accordingly. The mortgage provider continues to hold funds in an " Unapplied '' status when the bankruptcy attorney has requested the funding to be released to get accurate loan payoff to relocate mortgage loan.
Product: Debt collection

In XX/XX/XXXX, my identity was stolen and someone tried to purchase a XXXX phone in my name. A police report was made, contacted all credit bureaus and am fraud alert was reported to XXXX. XXXX apologized and the debt was immediately removed from my credit reports. 

On XX/XX/XXXX, Received a notification from Convergent that I owe the creditor XXXX XXXX {$1800.00}. I called them to explain that I do not owe this money and to bring this back to me after I dealt with an emotional experience with identity theft was unfair. After the conversation, I thought they understood but I continue receiving the same letter month after month. I received another letter today and I am tired. I want them to stop and leave me alone.