23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX is utilizing debt collection agencies to attempt to collect for a debt I am not contractually obligated to pay. See previous cases XXXX and XXXX. RPM LLC is the latest collection agency hired by XXXX XXXX to collect on a debt I do not owe. XXXX has not produced a written contract to support their position, however, XXXX continues to use collection agencies as their agents to harass me. We are preparing to file action against XXXX XXXX in XXXX XXXX, XXXX XXXX, Arkansas and I will, without hesitation and great satisfaction be glad to amend said complaint to include the collection agency RPM LLC.
Product: Debt collection

My rights have been violated in relation to an account on my credit report. 
I.C. SYSTEM, INC XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is XXXX XXXX accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is XXXX XXXX correct and needs to be deleted. 

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Name AMERICAN FIRST FINANCE and XXXX are falsely reporting an outstanding balance of {$2400.00}. 

AMERICAN FIRST FINANCE and XXXX are falsely reporting monthly payment updates/account activity/ active payment history on the account. The account was was charged- off on XX/XX/XXXX. The account is inactive since that time. 

AMERICAN FIRST FINANCE and XXXX falsified the last payment date on the account. XX/XX/XXXX, the last payment was changed from XX/XX/XXXX to XX/XX/XXXX by AMERICA FRIST FINANCE, there was no payment made. 

AMERICAN FIRST FINANCE and XXXX are manipulating the statue of limitations by showing activity and negatively impacting my family beyond measure. I've worked really hard to maintain good credit throughout the pandemic. The false appearance of recent derogatory events is impacting my ability to obtain decent housing.
Product: Credit card

Consumer Financial Protection Bureau Subject : Request to remove incorrect charges from Synchrony Bank for returned items I am writing this letter to request removal of incorrect charges against me from Synchrony Bank, for items that have been returned to the store already. On XX/XX/XXXX, I made a purchase worth {$7300.00} from Ashley Furniture located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and used the in-store financing option from Synchrony Bank to finance the same ( See attachment # XXXX for invoice ). However, the store delivered the items in the wrong XXXX. On XX/XX/XXXX, I visited the store to request correction of their mistake, and the store agreed to deliver the correct item and pick up the incorrect items. The store delivered the correct items on XX/XX/XXXX, and picked up the incorrect items ( See attachment # XXXX ). 
This is where the problem starts. My XX/XX/XXXX statement showed a balance of $ XXXX, since Synchrony had added two charges for the same items. I visited the store again, and they ( XXXX XXXX XXXX, see attachment # XXXX ) confirmed that this was a mistake on their end and they had incorrectly charged me twice. He confirmed that the issue was resolved and I should get a refund applied to my account. I was not happy with the experience or the hassle, and I requested everything to be returned. The store processed the return and I returned one of the items - Couch on XX/XX/XXXX, and the remaining item - Coffee table on XX/XX/XXXX ( See attachment # XXXX for multiple visits and complaints in store ). 
At this point, I had returned all items back to the store, but I still keep receiving bills from Synchrony. I called Synchrony Bank multiple times and have asked for help from the store, but with no success. Instead, the charges keep piling up on my account. 

I request your help to get these charges removed from my account, as I have returned all furniture pieces delivered by Ashley Furniture. 

Regards, 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: Credit reporting, credit repair services, or other personal consumer reports

I Informed Equifax in XX/XX/2021 of inquiries that I did know about on my credit report. I filed a dispute and they sent me a letter saying the inquiries was verified. I then disputed them again in XX/XX/2021 and didn't receive a response at all. In XXXX I called and disputed the inquiries again and then received another letter saying that they have verified and the inquiries will not be deleted. I informed them that they didn't verify nor did they validate the inquiries because I didn't make them. I asked them to remove the inquiries because they are not true. They are still on my report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Customer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed the information is incomplete and not accurate. According to 15 USC 168 ( e ) b violation, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXX XXXXXXXX ], [ XXXXXXXX XXXX XXXXXXXX ], [ XXXX XXXXXXXX XXXX XXXXXXXX ], [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX  XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate. 

[ XXXX ] Open date is not reporting correctly, high credit is not reporting correctly, credit limit is not reporting correctly, last reported date is not reporting correctly, date of last active is not reporting correctly, date of last payment is not reporting correctly, this account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, an unverified physical address remains on my credit report in violation of Federal Law. It has been found that the physical address DOES NOT associate with me. This identifier has no relation to me and is on my report directly as a result of the creditor XXXX XXXX XXXX. I have attached supporting documentation in previous attempts that this creditor has been negligent with this information and this particular account and address needs to be deleted from my report immediately. If you review the response from CFPB Complaint # XXXX by the company Experian, they admitted to neglecting the removal of inaccurate information by stating " Regarding the disputed items, at your request to conduct a reinvestigation, we contacted the data furnishers and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, HOWEVER, they MAY have updated other aspects of the accounts. '' The federal law is quite clear in this regard about inaccurate data. A complaint has also been filed with the Florida Department of Agriculture and Consumer Services with XXXX  # XXXX against Business titled Experian Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX with XXXX XXXX XXXX XXXX
Product: Debt collection

National Collegiate Trust illegally sold my debt to XXXX XXXX XXXX XXXX. They contacted my father, XXXX XXXX XXXX, and sent him a bill with an account balance {$13000.00}. They have repeatedly contacted him about my own account status and my financials, despite the fact that I have a XXXX era no-contact order with my own father. They have divulged information such as my address and my phone number to my biological father, and they have sent him a bill in the amount of {$13000.00}. NCT had arranged a payment plan with me that they then reneged on, selling my debt illegally to XXXX XXXX. XXXX XXXX have used profane language when speaking to me, have taken very rude tones, have given information that is incredibly private to people with whom I do not speak, and even took a phone call from someone pretending to be me. Not once did they make an attempt to directly contact me about the debt until XX/XX/XXXX, at which point they were attempting to collect XXXX dollars, and not willing to settle. I was never given any forms about how to dispute the debt and no good-faith attempts were made to resolve this without escalating to a lawsuit. 
The letter I have in my possession is dated for XX/XX/XXXX ; account number : XXXX, balance : XXXX. It is addressed to my FATHER, who forwarded it to me after getting my residential address from XXXX XXXX. When I told the agent that she could not call me, she said, " Well we have to be able to call you. '' I said - well don't, and she indicated that they couldn't not call me. Debt collectors are not entitled to call us whenever they want.
Product: Debt collection

On XXXX Enhanced Recovery Company ( ERC ) reported a 'new ' collection from " XXXX '' to my report dropping my score by 20 points without notice or warning. I obtained a more detailed report from XXXX and saw that ERC opened this account on XX/XX/XXXX and states that I owe XXXX. ERC also obtained my credit report on XXXX. I do not owe XXXX any money and there is no reason to report this debt as if it is new with no communication from the agency that has had access to all of my current personal and contact information as of XXXX. Based on previous credit reports and information obtained from my research, the only XXXX debt on my credit was successfully disputed and removed in XXXX and XXXX because it was fraudulent and I did not open this account. The debt is being sent to different agencies and reported as 'new ' and it is ruining my credit that I have worked hard for over the past few years. I did not contact the company because I have dealt with them in the past over other debts that were obviously not mine ( using an address I have not lived at for nearly 10 years ) and they are rude, nasty and disrespectful. They also attempt to get you to agree to pay so they can start collecting on time-barred debts. This company is illegally trying to collect a debt that is not mine after 5 years and successfully disputing this account with other agencies and having it removed twice. This company has no interest in speaking with customers over fraudulent accounts and just want to verify your information, new or old, so that they can look for other debts of yours to collect on. This company has used the pandemic as a means to recover debts by reporting a collection to my credit to force me and others to pay for deletion to keep their company open during this time. I have disputed this collection once again with XXXX  and XXXX  as soon as I saw the notification early this morning.
Product: Debt collection

I visited the Florida XXXX on XX/XX/XXXX. After my visit, the hospital sent me an invoice statement showing that I owed a {$0.00} balance. 

Weeks following, a company called HRRG started calling and harassing me nearly every day. I told them that I do not know what debt they speak of that they claim I owed. The hospital says I do not owe them anything. 

They have continued to call me for the past two years, harassing my life every single day, although I have told them to stop calling me. They even made up an account number, making it seem like I have a legitimate debt when I do not. They created this account number out of thin air. 

I researched their company and found out they call and scam people. They are not a legitimate business. They steal people 's medical information. This claim has been made by countless people who have left reviews about their company, the same way I have been treated by them. They call people and claim that these people owe them money when they do not, and try to scare people into paying them money that does not belong to them. 

They changed their name from HRRG ( Healthcare Revenue Recovery Group ) to ARS ( Account Resolution Services ) around XXXX. They are still continuing to call and harass me every single day. 

A woman who called from their company even told me she's not going to stop calling me although I told her to stop calling and that I do not owe them money. 

This is taking a toll on my life, as they are calling my phone every single day from different phone numbers, sometimes even multiple times a day. 

Please look into this company. They are a fraud. They are not legitimate and they are going to continue to call and keep on scamming people if something is not done to stop them. They have already been able to change their name and identity as a business. Something needs to be done to stop these thieves from illegally calling and stealing people 's money! Someone needs to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing XXXX XXXX XXXX and provide supporting documents to Experian, Experian refuses to delete the collection account from my credit report. After filing a complaint against XXXX XXXX XXXX with CFPB, XXXX XXXX XXXX agreed to have the collection account deleted from my Experian credit report. I have provide Experian with a copy of XXXX XXXX XXXX deletion letter via Experian document upload web site. Experian stated they had received the deletion letter. Experian stated that XXXX XXXX XXXX normally doesn't include an AUD control number on a deletion letter. Experian stated that XXXX needed to provide their Experian rep with the AUD control number.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX XXXX via certified mail 2. XXXX XXXX via certified mail Please see the attached files I have disputed this information directly with the creditor to disputed some inaccurate items being furnished on my consumer report ( XXXX and Experian. I have allowed the furnisher XXXX XXXX to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within XXXX XXXX therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents
Product: Credit reporting or other personal consumer reports

Equifax is the only credit bureau reporting an unverified account on my credit report. My information was compromised in the Equifax data breach, and I have provided my data breach claim ID. XXXX and XXXX have since removed this account, so I am baffled that Equifax is continuing to report this account that list me as an authorized user. Furthermore, the debt is uncollectible because the statute of limitations in Texas is 4 years. This account states that it was opened in 2016. I am requesting that the following account is removed from my credit report : XXXX, XXXX. XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX. Retailer XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

It was deeply upsetting to discover incorrect accounts on my credit report without any explanation. When I checked my report as I always do, I was startled to see discrepancies that hadnt been there before. I even tried refreshing the browser, thinking it was a technical glitch, but the errors persisted. I need a detailed review of the documents I provided to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mail server is out of control and Equifax can't use the USA XXXXXXXX XXXX to mail credit reports. 

1. Can't address letters correctly - this is a computer error where the name and address are doubled. - Fortunately the postal system can still function. Time and time again I have given Equifax my correct foreign address - and still they print it double. 

2. Recent mail now takes 28 days to reach me - because Equifax uses the XXXX XXXX XXXX to mail to XXXX. How many hands pass through this to go completely around the world. Customs inspectors in XXXX and XXXX XXXX now read all my credit reports. The USA XXXX XXXX takes 10-14 days to reach me is much more secure. 
3. This Computer error mail server also sends me other peoples credit reports. look up Confirmation # XXXX and # XXXX mailed with my XXXX  address, are other peoples credit files. Conf. # XXXX has my address and name doubled. 
4. Complaint # XXXX is not showing on my list of disputed items at myequifax.com. - 5. Mail server is out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I noticed a company on my credit where I did not sign or give any of my personal information. It is for {$1000.00}. I disputed this account # XXXX in XXXX and XXXX of 2021 with the credit bureaus to have it removed. In XXXX, I wrote directly to Paragon Revenue Group, who then violated my HIPAA rights by sending a detailed medical bill from a hospital listing medical services and medication along with personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX XXXX XXXX {$550.00} XXXX/DEPT OF ED XXXX {$3500.00} XXXX XXXX {$470.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$570.00} XXXX  XXXX {$250.00} XXXX  XXXX {$520.00} XXXX XXXX   XXXX {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm extremely frustrated with the student loan accounts that are being reported on my credit. These accounts were opened at a time when I wasn't attending school, yet the bureaus continue to ignore the inaccuracies I've pointed out. I've tried twice to get the bureaus to investigate the legitimacy of the accounts. The first investigation stated that the accounts were " verified and paid as agreed, '' despite me never making a payment towards them. The second investigation by XXXX was opened on XX/XX/XXXX at XXXX XXXX, but the results were ready by XX/XX/XXXX at XXXX XXXX, which is completely unacceptable for a second dispute. I'm still waiting to hear back from XXXX and TransUnion, but I'm not hopeful they'll do any better. It's outrageous that the bureaus have my actual student loans reported as paid off and closed, yet these other accounts are showing up as mine. These accounts have several inaccuracies, including the dates they were opened and the loan term, which was only for one month. The creditor contact information is also different for each bureau. I attended no universities in XXXX, so I have no idea how these accounts were opened. I've included a copy of my second dispute to XXXX, which is the same for each bureau. This needs to be resolved ASAP.