23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX ( Pain management clinic ) gave United Collection Bureau based out of XXXX, Ohio a copy of my medical records, that includes my medical diagnosis, treatment plan, and health insurance information, including my health insurance policy number, group number, and the amount paid to my insurance company. I feel that this is a violation of the XXXX act. I know third party collection agencies can contact doctors, or hospital 's to obtain information in relation to collecting a debt, but I also know they are not allowed to obtain my personal account information, such as the ones described above. I want to know why United Collection Bureau needs to have a copy of my health insurance information including my policy and group numbers and the amount that was billed? i know the information is used to collect a debt, but I was not notified by my pain clinic, that amount was due. So I did n't get ample time to rectify the situation. I feel that United Collections Bureau, does NOT need to know my personal health insurance information policy number and group number, to obtain the amount of debt that I owe. The first time they phoned my house it was a human that tried to sound like a robo-call. Whoever was doing it, does n't realize that I have a voice mail and screen my phone calls, so she was leaving the robo-call message on my voice mail and not actually speaking to myself in person.
Product: Vehicle loan or lease

In XX/XX/2013 I financed a vehicle through Santander Consumer USA. At the time I had poor credit and the loan terms were obsurd. 
On XX/XX/13 I entered into. TRIPP ( temporary modification agreement ) which cut the monthly payment in half, however I was not told the ramifications resulting from this agreement or that interest only payment would expand the life or cost of the loan. I was also never provided written documentation, as promised in the TRIPP agreement as to how this would affect the payoff date for the loan. I have now paid over $ 21k in interest for a car that has a staled price of $ XXXX. As of calling last week, I was told I still owe over $ 10k on the car, which is beyond obsurd. Santander Consumer claims they wont settle my loan or allow me to pay or a percentage to get out of this predatory agreement.
Product: Debt collection

I am a victim of identity theft. I have filed all police reports, id theft affidavits and paperwork that is required under the FCRA. XXXX XXXX  was notified on 17 occasions, that I never applied for, opened, authorized anyone else to open, or benefitted from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and are not mine. I currently have a federal FCRA lawsuit in the XXXX XXXX of PA regarding the identity theft and am suing the major credit buraus. I have retained a consumer protection attorney to represent me for this identity theft. 

XXXX XXXX  was notified on 17 occasions and all relevant identity theft documents were sent to them at the following address via certified mail : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  responded on all 3 accounts that they were removing them from my credit reports, closing the accounts due to fraud and that I was not responsible for the balances. 

Upon checking my XXXX  credit report during preparation for my FCRA lawsuit, I noticed an MRS Associates made a soft inquiry on my report on XX/XX/2023. Upon further research, it has been determined that these same 3 identity theft accounts that XXXX was aware of, have been turned over to a collection agency ( MRS Associates ). 

This is illegal. I have attached the letters from XXXX XXXX  proving they acknowledged these accounts were the result of fraud. I have also attached a copy of my identity theft lawsuit that is filed in Federal Court, my police report and FTC Identity theft affidavits for these accounts. I have also attached screenshots of these accounts from MRS Associates web portal showing they are trying to actively collect on them without regard to my identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX COLLECTION : XXXX XXXX   ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$320.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The issue is causing me significant distress andXX/XX/XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604 a section two, it also states a consumer reporting agency can not furnish an account. without my written instructions under 15 USCs 166 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed an account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/year> that the item was deleted from my credit report through your secure portal. 

Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. I also spoke with a representative of TransUnion Via chat and was advised it was never actually never deleted and no date of reinsertion. I attached a copy of this conversation, the dispute results that states it was deleted. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I Herby Demand that you immediately delete these items from my credit report in order to avoid legal action. I have you in record violating 3 FCRA laws. Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per several conversations directly and following the investigation on the errors in my credit reporting here is the documentation of proof that the mortgage payments where made on time and paid from my account. The payments where deducted and cleared on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX only XXXX was noted correct. 
Mr Copper has posted incorrect information, in addition reporting wrong at the Credit Bureaus. 
In addition we are in state of emergency already in California due to the Pandemic here are the orders from our Governor not to report negative information. This was signed since XX/XX/XXXX. 

https : //dfpi.ca.gov/2020/03/25/covid19/
Product: Credit reporting or other personal consumer reports

I would like to file a formal complaint against Equifax. This is the fifth time since 2023 that I have requested accuracy on my consumer report. However, Equifax has repeated stated that the information is verified accurately. However, I have completed a thorough scan of my consumer report and found that my report still contains open dates that precede last activity dates or closed dates occur before open dates, last activity dates moving constantly, inaccurate remarks between bureaus, and unverifiable document from creditormay constitute a violation of these FCRA provisions. I am a single widow of XXXX children after the passing of my spouse of 13 years, to XXXX. These inaccuracies have caused a severe hindrance to my life as it has affected my creditworthiness to rebuild my life again. 
FCRA Violations & Requirements 1. 15 U.S.C. 1681e ( b ) You must employ reasonable procedures to ensure the maximum possible accuracy of the information you report.

2. 15 U.S.C. 1681i ( a ) You must investigate disputed items within 30 days and correct or delete any data found to be inaccurate, incomplete, or unverifiable.
Product: Credit reporting or other personal consumer reports

To whom it may Concerns section 16cfr1692a right to privacy section 15 cfr1692b 2. Reporting is a violation according 15 cfr1692d1 threats of violation or harm of reputation according 15usc1681a4 right to privacy according 15 u.s.c.6508 according 15 u.s.c.1611 criminally liable Fair credit act 1974 section 5usc522a its against the law for a credit bureau to have your social and report any debt as the only one that is to have your social is the federal government. Under 15 u.s.c 1692e they are in violation {$1000.00} per inaccuracies by number of months reported. AND YES I HAVE A THIRD PARTY COMPANY ASSIST ME WITH THIS MATTER. AND PLEASE DO NOT SEND BACK A STALL TACTIC LETTER IF YOU DO I WILL SEND IT TO THE CFPB FOR AN A COMPLAINT and still must finish their investigation within 30 days from the date of receipt of the original dispute. Because this is my legal right thank you.. And im Notify the bureau that any additional stall tactics will be considered a violation of FCRA.15 U.S. CODE 1692 ( c ) 15 U.S. Code 1681i ( a6 ) & U.S. Code 1681i ( a7 ) and 15 U.S. CODE 1681b meaning send me a 1099 FORM for every charge off on my consumer report AND PER 18 U.S.C. 8 HJR-192 NO STALL LETTER ARE accepted YOU WILL BE REPORTED. 

1.XXXX  XXXX ACCT XXXX XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  ACCT # XXXX. 






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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XX/XX/year>, I schedule a test with a merchant, the test to take place in their XXXX, Ga location on XX/XX/year>. 
Merchant changed the location, from XXXX to XXXX ( XXXX miles away ) on XX/XX/XXXX, they refuse to refund only to reschedule ( I can only take the test at the initial location, on the initial date ). 
Contacted Goldman Sachs Apple to remove the charge as I was not receiving the service and merchant refused to refund. 
On XX/XX/XXXX, got an email from GS Apple Card they had contacted the merchant and ask for supporting documents, surprising, because to me they didn't ask me anything. Regardless I provided documents via their messaging system. 
On Monday XXXX, I received a notification from Goldman Sachs apple credit card they had sided with the customer, upon much investigation, calls, emails and messages they informed me they initially filled my complaint as " unauthorized payment '' which tells me they never even look at all the previous communications.
Product: Credit card

I dont wan na open too consumer financial protection bureau complaints, but there are XXXX issues XXXX different credit cards issued to Bank Of America card XXXX XXXX and XXXX Both categories were changed before the charge was even put through is to start in the new quarter. I have an extra {$2500.00} on each card for the bonus. 
Both cards were from the same merchant AAA  XXXX  They did not receive the correct amount. I only received. It looks like the one and a half percent so its missing the relationship owner is a category of bonus. 
The merchant code for AAA XXXX  is correct. I received the same bonus on card ending XXXX. XXXX/XXXX  I wasnt given a ticket but the person very friendly I called up this morning. He said he would open a ticket. My concern is XXXX billing cycles to finish it when these funds should be available at the end of the billing cycle an appear on XXXX statement
Product: Debt collection

I received a letter stating that I owed money for my XXXX cell phone bill.  However, I am currently up to date with my cell phone payment and have never fallen behind.  Therefore, this debt is completely fictional and I am not going to pay it to this company that claims the debt has fallen into collections.  The company is called "MRS XXXX" from MRS Associates at XXXX NJ XXXX
XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, After recently obtaining my credit report, I have reason to believe that there are inaccuracies being furnished on my credit report. Congress has found that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 USC 1681e ( b ) Compliance procedures accuracy of report ; ( b ) Accuracy of report 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 about whom the report relates.

Reasonable procedures have not been followed by the credit reporting agencies ( XXXX, TransUnion, and XXXX ) and any third party affiliates ( XXXX XXXX XXXX XXXX ) because there are inaccurate late payments being furnished on my credit report.

This is backed by 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusion.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. If a payment or a late payment is a transaction, it has no business being furnished on my credit report because congress does NOT allow it, regardless of any company policy. A Transaction includes cash withdrawals or deposits, checks, online payments, debit card charges, wire transfers and loan payments .This will also include any transaction balances being furnished on my report.

Also, under 15 USC 1666b- Timing of payments ; ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

To ensure that maximum accuracy is maintained on my consumer report, the reporting inaccuracies shall be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I submitted a letter to Equifax ( attached to this complaint ) that my student loan totaling XXXX had been forgiven for making necessary payments. I asked Equifax to remove this from my credit report. I just checked my credit report from XXXX XXXX which shows that Equifax dropped my credit score XXXX points by placing a comment to effect reinvestigating previously disputed. First i don't recall previously disputing this account a comment should not cause your credit score to dropped XXXX points after spending 7 years rebuilding it. Furhtermore there is nothing to investigate you have legal documentation stating that i know longer owe XXXX and is should be reflecting XXXX. That doesn't cause your credit score to drop. In fact also attached is my XXXX report what just went up XXXX point due to this being reported as XXXX. Equifax has history of being reported by the Media for wrongfully impacting people credit scores by coding errors including a XXXX XXXX '' Equifax issued wrong credit scores for millions of consumers. '' XX/XX/2022. This has even made it to congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX. 
XXXX XXXX, Virginia XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credence Resource Management XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Request for Assignment Contract Account Number : XXXX Dear Sir/Madam, I am writing to formally request, for the second time, a copy of the assignment contract related to the above-referenced account, which has been assigned to your agency for collection. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to verify the authenticity of the debt and the legitimacy of the assignment of this account. Specifically, under Section 809 ( a ) of the FDCPA, I am entitled to request and receive validation of the debt you are attempting to collect. This includes obtaining the original contract or assignment that proves your right to collect this debt.

Additionally, under Section 623 of the FCRA, I have the right to dispute any information reported by a debt collector if it is not accurate or if I have not received adequate proof of the debt. As such, receiving the assignment contract is crucial for me to ensure that the information reported is correct and that your agency is authorized to collect this debt. 

Here are the details for the account in question : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Current Status : {$430.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Please provide the requested assignment contract at your earliest convenience. If you fail to provide this documentation within 30 days from the date of this letter, I will consider the debt invalid and will take appropriate actions to protect my rights under the FDCPA and FCRA. 
Under 15 USC 1681a of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( d ), a consumer reporting agency may only furnish information about a consumer 's credit if it has a permissible purpose and, generally, if the consumer has given written consent. In this case, I did not provide written authorization for the inclusion of the referenced account on my credit report. Therefore, the reporting of this account is in violation of the FCRA, as it was furnished without my explicit consent. The failure to obtain proper consent undermines the statutory protections designed to ensure that consumer information is handled with the consumer 's knowledge and approval. 

Thank you for your prompt attention to this matter. Please respond to the address, or email listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights on XXXX XXXX. 

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