23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reviewed my credit report and have discovered inaccurate personal information and several errors that must be immediately investigated., I am allowed under the HIPPA 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 ( # XXXX, XXXX, XXXX XXXX XXXX ( # XXXX ), XXXX  XXXX  ( XXXX ), XXXX  XXXX  XXXX  ( # XXXX ), CONGRESS COLLECTION ( # XXXX ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me, but anything more than to XXXX XXXX ( # XXXX, XXXX, XXXX XXXX XXXX ( # XXXX ), XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX ( # XXXX ), CONGRESS COLLECTION ( # XXXX ) is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt, and HIPPA authorization. I have asked for 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX an unauthorized inquiry from American Express appeared on my XXXX credit report.this was not authorized by me my ss # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : - Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX, XXXX. 
Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of dispute to XXXX, XXXX, and Equifax on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.
Product: Credit card or prepaid card

On XX/XX/2022 I used my XXXX XXXX XXXX card to add {$50.00} to my Payactiv card. I then purchased gas on XXXX XXXX. Since then Payactiv will not let me add money to my Payactiv card. The button to add funds shows my XXXX card, but it is grayed out. I call them twice a week at XXXX, XXXX, XXXX, XXXX. They will not answer the phone and tell you to log into the app and use chat. I chat for a bit and then they stop chatting. I have had case XXXX with XXXX, XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Each time I'm told the case will be escaladed. Three times Payactiv has deleted my card and I have added it back three times and it still does not work. In email Payactiv wants my employer number, and my payroll number. I'm retired and have neither. I believe this company is discriminating against XXXX  and that is why nothing is being done to fix it. I feel if this was related to a payroll account, it would be fixed immediately. XXXX XXXX give you a XXXX cent discount if you use the Payactiv card. Being a XXXX  I need to take this discount, especially with the high cost of gas. I'm asking you to contact Payactiv and get this fixed so I can get the XXXX XXXX discount. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am submitting this complaint about the consumer reporting agency EXPERIAN. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to EXPERIAN to validate or delete inaccurate accounts being reported on my consumer report. EXPERIAN responded with a false claim the accounts have been validated. EXPERIAN has yet to show proof or any contractual agreement to support the claim of the account being validated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022 Armstrong and Associates XXXX XXXX XXXX XXXX AL XXXX Reference XXXX Armstrong and Associatesis debt collector I am responding to your contact about collecting a debt. You contacted me by phone XXXX, email XXXX XXXX XXXXXXXX XXXX and identified the debt as XXXX XXXX XXXX XXXX with account number XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make I need to communicate with you to solve my case I need assistance in XXXX  please I do not I need to communicate with you to solve my case I need assistance in XXXX  please I do not understand what they charge me if I have medical insurance thank you
Product: Debt collection

I am asking for the in correcting collections on my account to be removed. I have reached out to the credit bureaus and no response.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX - Opened XX/XX/XXXX with a balance of {$2400.00} XXXX  XXXX - Opened XX/XX/XXXX with a balance of {$770.00} XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1200.00} XXXX XXXX XXXX - Opened with a balance of {$1700.00} XXXX XXXX - Opened XX/XX/XXXX with a balance of {$2000.00} There are also unauthorized fraudulent inquiries that i do not recognize with : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - On XXXX XXXX XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Mortgage

I have a mortgage with LoanCare Servicing. I have been on electronic statements and records for a long time. Over the last few weeks I have been unable to access my online account, and therefore can not access statements and other information vital to the process of escrow for a new home. Several times I have waited on hold for very long periods trying to get LoanCare to fix this. Each time I am told they will call me back " in a few days ''. I never receive the call. My attempts to resolve this via email have not been successful. 

LoanCare is harming my ability to obtain a new loan, see the status of my existing account and manage any account aspects. They have also been very rude each time I have discussed this issue with them. 

LoanCare Servicing XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXXXXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  XXXX - XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL [ EXPERIAN ] I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. 

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. 

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against Experian, XXXX, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential XXXX or XXXX XXXX. Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. Experian also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. Experian. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of THE account and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 

XXXX XXXX  Account # : XXXX Failure to comply with these demands will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA . As evidenced by past lawsuits against Experian, XXXX, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

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

I have a debt that has been bought by Credit Systems Inc . The total was XXXX. Plus and interest rate of 13.99 % per annum. Which on my original contract states the interest is {$32.00}. 

I thought my garnishment was going to be over a month ago. But I keep getting charged. From XX/XX/20 to XX/XX/20 I have been charged {$18000.00}. I've contacted the creditors and been told that this additional debt has been the interest rate. But according to my original contract this is much more than I was originally told I would have to pay.
Product: Debt collection

I got sued and paid the loan off. Now I want it off of my report.
Product: Mortgage

We had to put the house in forbearance in XXXX of this year. The covid=19 impact started in XXXX, when XXXX and I 's employer started to cutting back the amount of hours we could work. In XXXX, more hours were cut. XXXX and I were stretched beyond our means. So I strarted researching solutions. We were afraid to go into forbearance at first, we heard horrible stories about peoples homes being taken just as soon as the forbearance plan ended. In XXXX we had no choice, he was working 30 hours a week, I was at 20. This begins the challenge with LoanCare. They promptly allowed us forbearance, through a canned email. I tried several times to contact a live person to get details, no one answers the calls or the emails outside of the automated response ( we received your email and are working to get it into the right department ) This is the only type of email I have ever received from LoanCare. There is never any instruction on whats coming next, what I should have ready just nothing. I need ed to speak to a LoanCare representative in XXXX, I knew that forbearance was coming to an end. I called multiple times a day, left several emails every day. Still no response. So to cover our home I had to request anothe months forbearance, because I had no idea what was going to happen next, I still have no idea whats coming our way. Today I received another email, stating that I had documents to esign. There was no document to sign, A few minutes ago another canned email warning me that that this document was going to expire and needed a signature. At no time since LoanCare bought our loan from XXXX  ( awesome company, communicative, returned phone calls and emails with a 24 hour period consistently ) have I heard a live voice, or received a personalized letter from that company. Its a scary, stressful and daunting thought knowing that I am tied to a company for 3o years and that when an emergency comes up I will not be able to get direction or help from this company. The last time I cheched online it stated my next payment would be due XX/XX/XXXX. Today it say that payment is due on the first. Kind of short notice. I'm not sure I can come up with the entire payment with such little warning. To me it seems that LoanCare is going to do things in an unethical manner, and I have no idea what to do.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, {$15000.00} was taken out of my Bank of America XXXX account via XXXX. This happened as I sat in the bank lobby waiting to talk to a banker and after a teller confirmed that I was talking to Bank of America XXXX department on my phone. By the time I saw the banker, my savings account had been drained. Both Bank of America and XXXX refuse to refund any money because I authorized the transactions. I did under their direction. I have filed a police report and have filed complaints with both Bank of America and XXXX. Ive already received the rejection letters from Bank of America. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Experian and it's still not resolved. This fraud items are severely impacting my life and I can't get a apartment rental or car rental and my car insurance premiums is high as well and they all tell me it's because of credit report and what is causing this issue is fraud account and inquiries. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF as well as XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX I did not authorize or open this two accounts above and have in several letters provided Experian with affidavit and police report and have not received a response. This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 


Lastly their is an inaccurate late payment reporting on XXXX XXXX XXXX  - XXXX opened XX/XX/XXXX account, I did contact XXXX XXXX and they said they sent an update to the credit bureaus so this 2 late reporting should be removed.
Product: Debt collection

I am a XXXX veteran. I was homeless. XXXX XXXX XXXXXXXX is a non profit that has a XXXX XXXX program for homeless veterans. XXXX XXXX XXXXXXXX moved me into XXXX XXXX with 12 month lease. XXXX XXXX  XXXX staff facilitated a section XXXX application for my housing longevity. They did not pay the exiting fees of 2 months rent. The delinquency went to collections. I asked XXXXXXXX XXXX XXXX to help me with collections process. A case manager said XXXX cant help with collections. So I am currently in the process of writing a grievance to XXXX XXXX XXXXXXXX and the XXXX XXXX XXXX because they promised to pay this via contract. There is no way for me to pay this. It is negligent for XXXX XXXX XXXX, a non profit for veterans, to place me in a housing circumstance that compromises my financial, medical, and food security.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX keeps trying to collect on a debt for XXXX XXXX and has reported it on my Transunion credit report repeatedly. I am XXXX and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities in XX/XX/XXXX, XXXX XXXX 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX XXXX reopened the same collection on all XXXX of my credit reports under a XX/XX/XXXX date. I disputed them again and all but TransUnion has removed them from my report. I am XXXX and have been covered by XXXX since XX/XX/XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX A, 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. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX 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. 




In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts
Product: Credit reporting

I have been a victim of identity theft and I have XXXX fraudulent collection accounts that is on my trans union credit report. I filed a police report and submitted to the company as I was told to do once I found out about these accounts. I was told once they received the police report that the accounts would be deleted off of my credit report. I sent in my police report and then I called to check to see of they got it, now the supervisor is telling me the only thing they can do is redispute the account. The company are not sending documentation that these accounts are mine, they are only verifying through an electronic data which has my information. NO signed contract no agreement that these accounts are mine not anything. They are not holding up their end of the agreement and I am being accused of something I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I checked my credit report from Transunion and XXXX. My credit score dropped 70 Points on Transunion and 75 on XXXX. They said thats its because my XXXX XXXX XXXX had increased by {$46.00}. I have never changed anything on the card for $ XXXXI dont understand how my credit scores could drop that much and I dont have any delinquent or late payments accounts. I have attached some documentation that shows how many times my score has changed. Such a decrease in my score prevents me from obtaining a good rate.
Product: Mortgage

I paid off my home mortgage on XX/XX/XXXX. Bank of America wasmy mortgage company. I checked my Bank of America account on XX/XX/XXXX and found that the full amount of my mortgage still showed as outstandingalthough I paid off the mortgage using a cashier 's check ( as requested by BOA ). 
When I checked on this further I was told that the bank made a mistake andcredited my payment to another individual 's line of credit account. The matter wasthen resolved and my mortgage balance was reduced to {$0.00}. However on the XX/XX/2015, BOA withdrew {$1400.00} through the ACH account I had setup to process my mortgage payments. Once again, after paying off my mortgagein full, BOA withdrew yet another mortgage payment. On XX/XX/XXXX Icontacted BOA again and told them what they had done. They informed me at thattime that they would reverse that charge and I would see it appear in my Suntrustchecking account on XX/XX/XXXX or XX/XX/XXXX. Today, XXXXI contact BOA since I have not seen the reversal. I was now informed that thereversal would be returned to me as part of the refund of my escrow account andI would not see that refund until the XX/XX/XXXX. 
In summary, although I paid off my mortgage on XX/XX/2015, BOA without authority, misappropriated {$1400.00} from me and are now saying that they will notreturn it until they have had it for one full month. It appears that this is an easy wayfor BOA to tap financial resources not belonging to them and to use them for onemonth interest free. Multiply this by the number of people who pay off theirmortgages every day and you can see just how much BOA is reaping. Of coursethis assumes that BOA will return my money by XX/XX/XXXX, but I haveno confidence they will based upon what they have told me thusfar.