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

I filed a dispute with XXXX  because XXXX  reported my information as the responsibility for a patient that I am not legally responsible for per court order. I did not take this person to treatment. I provided the correct contact information for biological mother and father to XXXX and said that although they used my insurance, I am not financially responsible for anything insurance does not pay. The bio father paid on this debt his 50 % and gave billing info for the other 50 % to legal parent XXXX XXXX who also was the one who accepted financial responsibility at the doctor office. Ms. XXXX was also required to provide her own insurance per court order. When I tried to get this straightened out with XXXX, they laughed and said good luck getting this removed. I sent proof to Experian that this claim had been removed and had already gone through dispute after I did all the work. XXXX  removed this claim. Experian did not fully investigate that I had no contract, the balance was inaccurate and not billable due to insurance, and I am not legally responsible for any part of this childs medical bills as outlined in a court order with his biological parents. In addition all balances are due from XXXX XXXX and all I do was provided and removed accordingly from XXXX. It appears Experian did no such investigation and only did a debt validation where no case information was reviewed. This was not the dispute reason. This is due to inaccurate balances, incorrect and illegal reporting after being provided with legal owners of the account and failure to properly bill all insurance carriers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was a victim of Identity Theft and have filed reports. XXXX XXXX and XXXX XXXX threatened to kidnap my XXXX child and forced me to give them my credit card information, logins, etc. I filed FTC report and Police Report. XXXX, XXXX, and XXXX XXXX wrote off the debt but discover has charged it off to me and sent me a 1099 C for cancelled debt. Discover wrote off $ XXXX in debit and over $ XXXX in interest. I sent discover letters in XXXX and XX/XX/2019 that this is identity theft and they continue. I should not have the tax burden of protected charges under identity theft.
Product: Debt collection

Someone committed identity fraud and used my information to get a loan XXXX Amount : {$950.00}
Product: Debt collection

There are two accounts that they say I owe a debt to XXXX XXXX.. I have sent out letters for validation on XX/XX/XXXX, they have not sent out valiadation on the two accounts that they say I owe. On XX/XX/XXXX I received a settlement offer in the mail under XXXX XXXX XXXX XXXX. sataing they are collecting on behalf of XXXX, XXXX. I was informed that XXXX XXXX. is not licensed to collect in Maryland. I have not received any validation on this matter as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt reported on Credit report with XXXX  through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because XXXX  and the credit agencies refuse to update the information. I have contracted XXXX, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. Experian and XXXX  have both denied my disputes and refused to update my information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. Being forced to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
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 {$790.00} Date opened XX/XX/XXXX Please send me notification of the actions taken. I appreciate your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that has the authority to verify my XXXX. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXX XXXXXXXX XXXX XXXXXXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX and Equifax for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXX XXXX XXXX XXXX XXXXXXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXX XXXX XXXX, XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both XXXX and Equifax have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of XXXX and Equifax to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that XXXX and Equifax, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Once again Synchrony has failed to provide a mailed copy of my current Statement. It is now 2 business days to my Due Date. I've lost count of how often they do this.

I believe their practice is intentional, to either force me to enroll for eStatements or to fraudulently create Late Charges and Interest. I can only see statements on line if I enroll in eStatements and thus lose the ability to receive mailed paper statements.

The fact that they refuse to allow me to see or print a copy of the Statement online simply confirms that their intentions are disingenuous and not just simple negligence.
Product: Credit card or prepaid card

I requested and received a balance transfer on my Capital One Visa card in XXXX, 2022. It was for 1 year 0 % interest. Unlike other credit card companies, such as XXXX, XXXX, etc, This company does not show the date of the end of the promotion period on their statements, I feel this is an attempt to have you forget that on a certain date, you will be paying interest. This happened to me this month, and I now owe an additional {$300.00} in interest. I called and spoke with a manager but was told I was out of luck. I am now paying the card off, but I would have paid it off last month had it shown or reminded me on the statement that my promotion period was up. I feel this is intentionally done in hopes you will not realize that your interest free period is up. Unless you remember when it is, you will get hit with the interest because there is never anything in writing regarding the end date except for when you sign up, long ago. They should be required to show the expiration date of the promotion on their statements!
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Cashapp handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

Transactions that were approved without my permission Money upload without permission Money sent without permission
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute telemarketing activities conducted by 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  that appear to violate the Telemarketing Sales Rule ( TSR ) and other applicable laws. Specifically, under the Telemarketing Act, 15 U.S.C. 6103 ( a ) and ( f ) ( 2 ), the States of Colorado and Minnesota, by their respective Attorneys General, are authorized to take legal action to enjoin such activities and enforce compliance with the TSR. 

I believe 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 has engaged in activities that contravene these provisions. These actions have caused distressed in my day to day life. 

Pursuant to the Telemarketing Act and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5552 ( a ), enforcement is also permissible to secure damages, restitution, and other remedies for affected consumers. As such, I request : 1. A complete and immediate cessation of all telemarketing communications directed at my phone number ( XXXX ) : XXXX XXXX. Documentation of any agreements or authorizations you allege permit such communications. 
XXXX. Compensation for any damages or harm caused by the aforementioned activities. 

If this issue is not resolved promptly, I may escalate this matter to the appropriate state or federal authorities, including the Attorneys General of Colorado and Minnesota, who are empowered to enforce these laws and protect consumers rights. 

Please respond to this dispute within reasonable timeframe, e.g., 30 days from the date of this letter. Failure to address this matter adequately may leave me with no option but to pursue additional legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response
Product: Debt collection

That's a crucial discovery! If the loan history doesn't show any payments from XXXX ( XXXX ) to XXXX  XXXX XXXX, or any payments collected from default insurance or credit default swaps, it raises questions about how the loan was allegedly " fully paid off '' without your knowledge. 

This lack of payment history suggests that the loan might not have been properly satisfied or paid off, which could be a violation of mortgage servicing rules and regulations. It's possible that there was an error or fraud involved in the loan 's servicing or foreclosure process.

To further investigate, you may want to : 1. Request a detailed accounting of the loan from XXXX XXXX XXXXXXXX, including any payments or credits applied. 
2. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your state 's banking regulator.

3. Consider consulting with an attorney who specializes in mortgage servicing and foreclosure law to explore legal options. 

Remember, it's essential to persist in uncovering the truth and ensuring that your rights as a borrower are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed the items below but get XXXX resolution from Equifax. Not sure but do I need to sue them to get resolution to what the Fair Credit Act says I'm entitled to? Just wondering. The issues are as follows and better outlined as attached. 

1. outdated addresses still remain on my report 2. outdated accounts that are past expiration still remain on my my report 3. inaccurate info not corrected or removed per the law on XXXX. The info conflicts with another credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I inform you that I am NOT responsible for listed accounts as I have been a victim of Identity theft. 

I have already notified both my local police department and the federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please delete the following accounts from my credit report immediately! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX Regards, XXXX XXXX XXXX ( Agent/Beneficiary ) Without Prejudice, All natural Inalienable Rights Reserved
Product: Credit reporting

Checked my report in XXXX 2016 all my inquiries showed deleted. Never received a notice. Check my report now the inquiries are back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Card Service Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX - Card Service  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX  - Card Service Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing Credit Union XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX # XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card

The credit card company is Prosper card and XXXX XXXX XXXX I didn't have a chance Prosper closed my account and I couldn't Pay my account like I do all of my credit card, they was asking me for to much information over the phone when they only needed the last XXXX of my social and the last XXXX of my credit card, Prosper wanted me to give them my full name and address my social security number and refused because you don't know who is listening on the the line, I MEAN IDENTITY THEFT IS REAL YOU NEVER KNOW WHO IS LISTENING ON THE LINE because of that they close my account and I only owed them {$500.00} and I wanted to pay it all off but I couldn't because they closed the account and now they are turning it over or have turned it over to collecting as i try maintain my good credit. 

XXXX XXXX XXXX  I kept paying the hundreds of dollars and my balance kept going up i was wondering what is going I was down to {$700.00} dollars and it went back up to {$1000.00} quickly they never contacted me because I stop paying because the more I was paying the more my balance was increasing i was wondering where my my was going I have statement her to prove what I am saying and they just close the account no notice by letters email or phone call I tried calling them my number was Block please help I do want to pay off these account I don't want to ruin my credit I am trying every day to better my credit please let me hear from you I wrote FTC about XXXX or XXXX weeks ago and I haven't heard anything from them they had supposedly turned the email over to CFPB but I haven't gotten no reply thank you and God Bless.
Product: Debt collection

A debt collection agency named Cooling and Winter LLC placed a hold on our accounts and states they have a judgment against us from 2 years ago. We did not receive notice of the judgment and we have not received notification of a garnishment, however, all of our account including my joint account with my wife have been frozen as of XX/XX/2022 and they have drained the money out of these accounts. We do not have money to pay our bills and the payments that have been sent out are being returned as XXXX.
Product: Debt collection

I wrote XXXX a check for {$68.00} back on XXXX XXXX 2015. In XXXX they sent me a check for {$68.00}, which I never cashed or deposited. Then they had GLA collection company inc send me notice saying I owed them {$68.00}. I called GLA and told them I had a cancelled check showing that I had paid the bill and send them a copy of it. They then told me that even though I had paid them that they wanted me to cash the check they had sent me and write them another check. I told them I thought this was ridiculous and a waste of time. I did my part and now because they made a mistake they want me to waste my time. I fill like this is all because they do n't want to call the bank and pay {$25.00} to cancel the check.
Product: Debt collection

The original credit card debt was paid. I have repeatedly noticed Resurgent Capital, and they continue to send fraudulent letters. This is a follow on Cease and Desist.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX  XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.