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

This is not a refusal to pay, but a notice that I am disputing what is being reported on my consumer report by XXXX XXXX XXXX XXXX and Equifax. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this alleged debt, the date of the alleged medical service, name of the patient, proof that there is some contractual obligation which is binding me to pay this debt to YOU. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATED OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " Breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX of XXXX as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor where they agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 

Please be advised that this complaint is not only a formal dispute but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my consumer credit report. 

I never gave the original creditor XXXX XXXX XXXX XXXX permission to sell this so-called debt to XXXX XXXX XXXX XXXX . I do not owe XXXX XXXX XXXX  any money. I never signed a contract with them. I do not know who they are. XXXX XXXX XXXX XXXX is reporting this so-called debt on my consumer credit report illegally. Because of this XXXX XXXX XXXX XXXX owes me {$1000.00} in damages because I can not obtain credit and this negatively hurting my credit score. PLEASE DELETE THIS NEGATIVE REPORTING OFF MY CONSUMER REPORT. 

Both Equifax and XXXX XXXX XXXX have violated many FRCA laws and that constitutes my right to have any and all negative information removed. If this is not removed I will sue! 
15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any accounts without my written permission. 
15 U.S.C. 1692c states that without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing with XXXX XXXXXXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : Original balance {$750.00} Account number XXXX Account number XXXX Original balance {$100.00} Original creditor Account number XXXX Original balance {$860.00} XXXX XXXX XXXX creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} Original creditor Account number XXXX Original balance {$390.00} Account number XXXX Original balance {$2400.00} Account number XXXX XXXX XXXX XXXX Original balance {$260.00} Original balance {$2400.00} XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Product: Credit reporting

I contacted TransUnion about unauthorized credit inquiries form their own company at XXXX, CA XXXX, and asked them stop. Their response was that it might be a permissible purpose. From the list they provided, it was not permissible, and they no longer respond to any communications. It needs to stop, and they ( as a credit reporting company ) should not be allowed to make inquiries at random.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX, XXXX XXXX has disclosed my personal information without my verbal or written consent. XXXX XXXX has closed my account without written or verbal consent on a account that was current, recently at the time had gotten a credit increase and was not notified of account being closed until after they closed my account. XXXX XXXX, XXXX XXXX XXXX has lowered my credit limit due to what has been reported by another creditor which I have not given them verbal nor written to lower my credit limit. This is causing great harm and hardship to myself and family. To the creditor reporting agencies, I have sent dispute letters and advising them of fraud and Identity theft. My credit score has gone from XXXX down to XXXX!! All due to Fraud and Identity Theft. I have contacted XXXX XXXX on the phone and sent them a letter of dispute stating fraud and identity theft certified in XX/XX/2022. I called XXXX XXXX on phone after the app advised me, I was limited on credit, and they advised that my limit was decreased due what was disclosed from another creditor. I advised them verbally that that they did not receive anything from myself requesting a decrease verbally or written and that was identity fraud. This is against my privacy and information that has been report is inaccurate. I have contacted the IRS.GOV and gotten a 9-digit pin as well as put in an Identity theft with FTC.GOV
Product: Debt collection

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 Date XXXX Balance {$89.00} StatusCollection account. {$89.00} past due as of XX/XX/XXXX. 
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$89.00} StatusCollection account. {$89.00} past due as of XX/XX/XXXX. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Since XXXX my loan with Navient was supposed to be for a fixed rate of 2 % and a fixed monthly payment. This was after a long struggle with how my payments were at interest only and they listened to past phone calls and determine I never agreed to that. They couldnt reimburse me so that was how it was handled. I noticed recently my payments increasing and realized its back to a variable interest rate. This may have been for a while too. I have called and wrote and they deny my past agreement. I wanted to stop paying, so they also just violated the FDCPA yesterday by calling me for payment on Sunday and left a voicemail XX/XX/XXXX.
Product: Debt collection

I had a wireless account with XXXX XXXX XXXX XXXX started in XX/XX/2022 and was cancelled end of XX/XX/2022. They misrepresented their services and their rates. Because I cancelled 3-4 day into new billing period the amount due was only supposed to be {$4.00}. I offered to pay this at time of cancellation but was told to wait for final bill. Unfortunately when the final bill arrived, the balance due was {$190.00}. This is incorrect! When I called XXXX to inquire, they told me the balance was XXXX ( XXXX ) when I proceeded to ask questions the representative was very rude and hung up on me. I am disputing this bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I logged into credit karma after checking an email stating I have new approvals offers for credit. I found that XXXX  XXXX XXXX  XXXX  was framed in people with a credit karma guarantee that XXXX get approved or they will pay me XXXX XXXX I applied for the. And and ultimately got denied, contacted credit karma via chat was on chat for extended period of time and got transferred to XXXX people or departments each stating theyre escalating my case and the next would be able to give me all I for needed to file claim for guarantee. None explained anything, the lady stating she was escalating my case to a department that only works with customers via email and now theyll give me the information needed, this was after they tried to tell me I logged into credit karma XXXX not us, I asked how I have the app I only use the app. Then after saying that she says oh I see then it shouldnt affect you then so youre telling me either youre lying or someone else logged into my account in XXXX? I didnt know you could have a credit karma XXXX XXXX XXXX the exact same credentials.. any company making you go through hoops for XXXX $ is scamming or perpetuating a fraud. I took the hit on my credit.. I have all the screenshots as proof.
Product: Debt collection

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, 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 XXXX, CA XXXX, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has the count as 120 days late on Equifax, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX the payment status shows paid but on Equifax it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.
Product: Debt collection

Hello, I recently look at my credit and I see that these companies is still on my credit report. I have reached out to the companies serval times and still haven't gotten these issues resolve. I wrote a letter and asked for verification to XXXX, XXXX, and XXXX  they have not sent me any documents bearing my signature as of today. The following companies are : Midland Fund - Opened XX/XX/XXXX, and XXXX XXXX - Opened XX/XX/XXXX. I would like your help with this matter.
Product: Checking or savings account

A XXXX XXXX profile requested I open up a Chase account. Two counterfeit checks were submitted to that account with his and by his contacts. If money had been he would use large sums of money for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This XXXX XXXX XXXX has my social security number, ID, address, work information about me. Two counterfeit fraud checks by him with his contacts caused me a blockage with not one but each time I asked him to stop he would insist with his status that all was perfectly normal and when the checks did not go well that he was going to somehow sort the situation. I asked if you know your supposed contact are fraud and causing problems then why not stop asking me to open up accounts and instead contact authorities for help. Nothing from this XXXX XXXX nothing to what he caused me with banks. Those counterfeit checks that was deposited into Chase were the result of this profile XXXX XXXX XXXX there is no way with my XXXX XXXX pay or social security money I would be capable of having those amounts or fraud checks. Chase I had more than one account. The XXXX, the XXXX etc the last one that was closed because of the XXXX etc resulted because of this XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have refused to remove the negative accounts that do not belong to me from my credit reports. Despite multiple requests, these fraudulent accounts remain, damaging my credit and personal reputation. 

On XX/XX/year>, while applying for the Alaska Permanent Dividend Fund ( PFD ), I encountered a serious glitch on their website. As I was submitting my application, the page refreshed and began displaying another individuals personal information. This included their address, date of birth, Social Security number, and bank account details. 

On that same day, I received two phone calls from individuals who had seen my personal information on the PFD website during the glitch. They confirmed that they had access to all of my private information. 

Soon after this data breach, fraudulent accounts began appearing in my name, clearly using the information that was leaked through the PFD website. I did not authorize the use of my personal information in any form, and my identity was stolen to create these fraudulent accounts. 

I demand that XXXX, Equifax, and XXXX immediately remove these fraudulent accounts from my credit reports. This is my last warning, and I would prefer to resolve this matter peacefully, without the need for court intervention. However, if this issue is not resolved promptly, I will take legal action. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and you are legally obligated to ensure that my credit report only reflects legitimate accounts. If you continue to refuse to act, I will pursue all available legal remedies, including litigation, to hold you accountable for the damage caused by this negligence. 

the following account are not mine and inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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
Product: Debt collection

Capital Accounts XXXX XXXX XXXX TN XXXX I dispute the alleged debt of {$5000.00} and I have not received any proof of its validity from the debtor. I have asked for this debtor to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX  report. Looking into that after seen XXXX late payments on XXXX. I called my XXXX  where I received the loan for my car. I see XXXX say I owe XXXX, XXXX has I owe XXXX and Transunion says I owe XXXX dollars on my car loan. All info is incorrect which is messing up my credit score. I only owe XXXX. However, I have sent out to bureau and the information still shows inaccurate. Still continuing to report errors on my credit report, which is causing damage to my credit. I requested an investigation and they have failed to correct the errors.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and my account with Exeter Finance LLC my account number was XXXX and was opened on XX/XX/XXXX which is over 7 years ago and it was charged off if XX/XX/XXXX. I am requesting this company provided me with a 1090C documents and if they can not I requested they remove this item from my credit report seeing how it is it has been over seven years since the account has been open.
Product: Debt collection

I keep receiving letters from Chase Card Services for an alleged credit card debt of {$7100.00}. I have enough letters to wallpaper my house with from Chase. 

I called the number listed in their letter, XXXX and asked how do I get these constant letters to stop? I was told I was on the with a debt collector and that letters would not stop until I paid the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had some late payments that are not correct or the same as other credit reports on an account that I was never late for. Consumer reporting agencies have taken on a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. the account : ( XXXX XXXX XXXX XXXX ) : ( XXXX ) Investigate and provide evidence with statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated on time as they should.
Product: Credit card or prepaid card

I am a very active XXXX XXXX XXXX XXXX widow who competes in national and international swim competitions with state and national records, paints, dances, does powerlifting, plays the piano and attends live performances of classical and contemporary music or opera about twice a week. 

In the interest of meeting a single XXXX with similar interests I met with XXXX of XXXX XXXX XXXX XXXX ( hereafter XXXX ) on XXXX XXXX, XXXX. After being assured that XXXX could do that I paid {$3300.00} to XXXX. That sum was charged to my XXXX XXXX card and appeared on that account on XXXX XXXX, XXXX. 

Sometime after that XXXX called and offered XXXX as a match. He was described as retired, educated and a good match for me as he likes to exercise and enjoys music. 

On XXXX XXXX, XXXX I met XXXX for coffee. I was shocked to learned that he was still married, is XXXX, likes solitude, his only exercise is walking and for music he had attended XXXX live jazz performances during the past year. XXXX spends most of his time babysitting a grandchild. 

None of this was disclosed to me before I agreed to meet XXXX. I do not date married men. XXXX holds itself out as a XXXX matchmaking service. I have in the past not dated anyone XXXX. This should have been disclosed to me in advance. XXXX interests and level of activity are no where close to anything that interests me. 

Since XXXX failed to perform I contacted it to cancel our agreement and request a full refund. XXXX refused. 

On XXXX XXXX, XXXX I sent a letter to Chase XXXX disputing the {$3300.00} charge on the basis that XXXX had not performed its obligations under the agreement. 

On XXXX XXXX, XXXX XXXX XXXX sent me a letter refusing to reverse the charge saying that XXXX had not promised a refund. I never claimed that XXXX had promised a refund. 

On XXXX XXXX, XXXX I sent another letter to XXXX XXXX pointing out, among other things, that I had never claimed that XXXX had promised a refund. I asked XXXX XXXX to reconsider its original decision and reverse the charge. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to me saying saying the charge was valid because we are unable to support that a billing error has occurred on your account. I never claimed that a billing error had occurred.