23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a debt validation letter to MEDICAL DATA SYSTEMS INC two times once on XX/XX/2021 and again on XX/XX/2021 regarding the debt they claim I owe to XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$3100.00} on the account XXXX and each time the company has failed to validate the debt. Instead, they sent a list of my medical records to me which is a direct violation of my rights under HIPPA regulations. I never signed a HIPPA release form authorizing them to have access to my medical records information. I demand that this information be deleted from my credit file and cease all collections activities immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your intervention regarding a matter with XXXX, Equifax and XXXX that has not been resolved despite my repeated efforts. I have sent letters to XXXX on XX/XX/year>, and again on XX/XX/year>, requesting that they address issues related to my stolen identity and verify the accuracy of the information on my credit report. To date, I have not received any response from XXXX by mail as I requested. 

In my correspondence with XXXX, Equifax and XXXX I notified them of the identity theft, and I provided them with instructions to verify any and all accounts listed on my credit report with my original signed documents and physical verification as required by the Fair Credit Reporting Act ( FCRA ), specifically Section 609. Despite my clear demand, XXXX has failed to comply with my request and has not provided the necessary verifiable proof or documentation. 

The lack of response and verification from XXXX, Equifax and XXXX is a violation of the FCRA and constitutes a failure to address fraudulent accounts and unauthorized addresses associated with my credit profile. I am now left with no choice but to consider their inaction as fraudulent behavior and potentially a breach of my rights under the FCRA. 

Accordingly, I request that the CFPB assist in taking the following actions : Ensure that XXXX, Equifax and XXXX deletes all fraudulent accounts and addresses that do not belong to me from my credit report. 
Obtain an update letter from XXXX confirming the actions taken and the current status of my credit report. 
Furthermore, I intend to pursue litigation to enforce my rights and seek relief under Sections 616 and 617 of the FCRA, which allow for the recovery of monetary damages due to XXXX non-compliance and any resultant harm. 

I would appreciate your prompt assistance in this matter and request an acknowledgment of receipt of this letter. Thank you for your attention to this urgent issue.
Product: Checking or savings account

XX/XX/XXXX  a deposit of XXXX a week later attempting to pay bills I noticed it had cleared called.in to assured it would take 2-3 day, i found that somewhat odd but shock i was worried i figure put into saving an earn interest, so busy I hadn't went on Vacation returned XXXX was when told of suspect ion of Faud my account was frozen I was upset of course, then i ask question everyone got no answer, There was no fraud excessive overdraft nothing, I was told the Banks just didn't want to bank with me finally I received cashiers check in this month. I want answers .and make sure this bank doesnt smear my name. 
Thank you XXXX XXXX
Product: Debt collection

CHASE AUTO ATTN : CHASE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Date : XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate.This letter serves as a DEMAND to validate this account Account Name & Account Number : XXXX  Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Debt collection

I will like for the CFPB and the FTC to see this blanket response from TSI regarding the dispute complaint that I sent them. Unless your office can provide debt validation within 15 days then I want this XXXX deleted from my credit report immediately. The CFPB and the FTC are to protect us from Third-Party debt collectors such as yourself. I attaching the computerized statements that they sent to me and this is NO WHERE debt validation. 

Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here along with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

TRANSWORLD SYSTEMS INCXXXX if not valid or verified properly, delete immediately. 
TRANSWORLD SYSTEMS INCXXXX XXXX if not valid or verified properly, delete immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 
I demand these items to be provided which would be the name of source or contact, address, phone numbers, date, day, and time when contacted. I would also need type of item, date of first delinquency, date of last payment and if the account is open or account and if it is with the original creditor or a collection agency. Please send all documents with the information above. 

I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. 

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

Equifax is reporting inaccurate personal information on my credit report which is adversely affecting my ability to obtain credit approvals due to conflicting information in their database that negatively impacts the identity verification process. This is damaging to my credit profile and per the Fair Credit Reporting Act, I am hereby requesting for the following inaccurate information to be removed : XXXX XXXX XXXX, XXXX, FL XXXX Please delete the above offending information as I have never resided at this address.
Product: Credit reporting or other personal consumer reports

Date XX/XX/2024, I have reached out to debt collectors asking for a 1099-c form that by law Im entitled to for tax purposes. They have not provided me with the form. They have reported to all 3 credit bureaus every month for two years as being a charge off. That alone violates my rights under the fair credit act. I would like these items deleted. Any help with this matter is much appreciated. 
XXXX XXXX XXXX. {$440.00} lVNVFunding. {$500.00} XXXX XXXX. {$400.00}
Product: Debt collection

Been a victim of identity theft since 2015. I have been trying to clean up credit and there is one item that will not go away from NATIONAL CREDIT SYSTEM. Tried to contact the company multiple times but they said they do not have a file on me.
Product: Credit reporting or other personal consumer reports

Ive notice 6 inquiries on my consumer report which are these companies and the dates. XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, I want to bring to your attention that, according to the FCRA, entities requesting my credit report must certify a legitimate business reason or permissible purpose. I am requesting verification of this certification from the entity that requested my report in connection with the disputed information. If Experian or the entity can not provide evidence of this certification, it raises concerns about the legitimacy of the permissible purpose and potential violations of my privacy rights. As a consumer it is the grave responsibility of the consumer reporting agency to respect my right of privacy and furnishing my consumer report to an entity that did not provide any certification or documentation demonstrating a legitimate permissible purpose then Experian has furnished my consumer report to an unauthorized user under the FCRA it is the consumer reporting agency duty to follow reasonable procedures to assure maximum possible accuracy. If neither creditor or credit reporting agency provide any documentary evidence please delete all inquiries IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Portfolio Recov Assoc
Product: Credit reporting or other personal consumer reports

Multiple more times, XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this google charge and XXXX XXXX XXXX recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX month payment, specifically XX/XX/2023. After proving to XXXX XXXX XXXX the charges were fraudulent and not approved by me, XXXX XXXXXXXX XXXX removed all charges and reversed the XXXX through XX/XX/2023 {$2.00} charges and specifically XX/XX/2023 late fee and late reporting but have failed to correct It on my credit report. The $ XXXX {$2.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX , EQUIFAX , XXXX AND XXXX XXXX Please have these $ XXXX {$2.00} charges removed from all four credit reports ( XXXX, EQUIFAX XXXX XXXX AND XXXX ), asap as it has negatively affected my credit! PLEASE SEE THE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Product: Checking or savings account

On or before XX/XX/2023, I contacted XXXX XXXX XXXX and cancelled my auto insurance due to the price being raised to {$710.00} a month on my renewal date XX/XX/2023. 
My auto insurance was {$230.00} a month. 
XX/XX/2023 Direct Withdrawal, XXXX XXXX XXXX XXXX XXXX - {$230.00} XX/XX/2023 Direct Withdrawal, XXXX XXXX XXXX XXXX XXXX - {$710.00} XXXX XXXX XXXX deducted {$710.00} anyway even though I had a new policy that was paid. I didn't give my authorization for the {$710.00} charge. I actually cancelled my policy because it was increased to {$710.00} a month. 
I contacted XXXX and they said I would be refunded but I wasn't refunded the entire amount. XXXX insurance was saying it was for the month of XXXX but insurance was charged in advance. I contacted the bank & XXXX twice but both are refusing to refund the unauthorized payment taken from my bank account. 


XX/XX/2023 Direct Withdrawal, XXXX XXXX XXXX XXXX XXXX XXXX Auto Deduct - {$1700.00} New auto insurance above XXXX month policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan accounts were frozen on XX/XX/XXXX, yet XXXX has been reporting my student loan accounts every month since XX/XX/XXXX of XXXX. I have XXXX missed payments when I'm technically only supposed to have missed payments from XX/XX/XXXX, to XX/XX/XXXX, for each of my XXXX loans which would be roughly XXXX missed payments. It is illegal that all of those missed payments have been reported to my credit during a time when student loans were supposed to be frozen and not to restart payments until XX/XX/XXXX. This has impacted my credit and also prevented me from being able to find somewhere to stay, apply for loans, or do anything to help myself because they were inaccurately reporting information that was supposed to be on hold for the entire ANYONE WHO HAD STUDENT LOANS IN AMERICA! I have contacted attorney XXXX XXXX XXXX, XXXX. in XXXX, Florida to seek legal reparations for losses that I took due to not being able to get loans or additional help because of inaccurate information reported to my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

XXXX, I filed a complaint with the XXXX  against Synchrony Bank for sneaky practices. I was offered a XXXX loan via PayPal through XXXX XXXX XXXX XXXXXXXX to purchase film equipment the loan money coming from Synchrony Bank. They claim there is no interest due on any purchases if paid in 6 months, however, I noticed while making scheduled payments my due amount was going higher. I contacted Synchrony Bank and learned they charge their own fee every month if said item is not paid off in the first month - this is essentially an interest fee they charge while hiding behind the advertisement that no interest will be charged if paid off in 6 months. 

This is very sneaky and when a payment is missed which I have since missed three payments they charge a rate of well over {$40.00} for late fees. Which I thought was not legally allowed. There is a lot of information online about Synchrony Bank ruining people 's credit scores charging whatever they choose for late fees and advertising no interest while charging their own monthly late fee. Synchrony Bank has not responded to the XXXX  and has since lost its accreditation. 

I don't understand why PayPal still uses this bank other companies ' their practices are crude and should be stopped. I would like to do what I can to help people realize any loan through Synchrony Bank will surely have a great impact on their credit as well as put them in the position of making it very difficult to pay off. 

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

I was Recently reviewing my credit report and noticed multiple fraudulent inquiries. See list of in accurate information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX [ XXXX ] XXXX of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello- I have this old closed account on my credit from XX/XX/2017 over XXXX + years .... 
M.Leonard and ASSOC. keeps updating the amount by a few dollars and reporting to my credit every month .I have sent a validation letter to them, and they have not provided any information and it has been over 30 days. How is that even allowed? 
Only noticed this was on my credit report and have not rcvd anything from M.Leonard and ASSOC.

This account needs to be removed from my all credit reports as it closed but keeps reporting a balance increase.. Please help me get this collection agent removed Thanks!
Product: Credit reporting

An old Debt that should have been removed from my Experian Credit Report, Account number XXXX by XXXX XXXX remains on my report. It represents a debt that is well over seven years old.
Product: Credit card or prepaid card

I have been using this card perfectly for a few months, I went to to XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX I tried to use the atm, to get money it did dispense any money, I tried again on the XXXX of XXXX and had the issue, I continued to use my card, perfectly fine for the weeks to follow, I filed a dispute for the charges and submitted the dispute form and supporting documents for my claim to XXXX. even after I filed the dispute my account was working perfectly fine, on XX/XX/XXXX I I tried to use my card, and it wasnt working, so I started a chat with a representative at money lion I was advised that I had to send my state ID and a utility bill as they wanted to verify my identity, I complied with there request, today I get an email at XXXX say that my account is being closed due to unusual activity on my account, there was no issue with my account or unusual activity until it was time for my account to receive a provisional credit for the disputes, my account was not closed due to unusual activity, but because they did not want provide the provisional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Product: Debt collection

I discovered a derogatory mark on my credit report associated with Hunter Warfield , Inc., for an amount of {$14000.00}. When I attempted to call them, they couldnt find my correct information in their records. I initiated disputes with all three credit bureaus, but none provided any assistance. When I requested verification of the debt, they were unable to confirm it was mine, yet the mark remains on my credit report, causing me significant frustration.