23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I set up automatic payments for my XXXX XXXX Credit Card last year using my credit union account to make the payments. There were NO PROBLEMS until XX/XX/XXXX. I received a message from Comenity Bank indicating that there was a problem with my bank account. To be clear, my credit union account HAS NOT CHANGED nor did I change the payment method for my XXXX XXXX Credit Card. I made the mistake of thinking the issue would be easily resolved by talking to " customer care. '' I spent 15 minutes verifying my information repeatedly, including having to spell my last name 7 times for the " customer care representative. '' That was a lesson in futility, so I began contacting them through their secure messaging center. ( Please see attached correspondence. ) After getting NOWHERE, I went into my XXXXXXXX XXXX Credit Card account, removed the credit union account information and put it back in. The only difference? I added the number 4 at the end of my credit union account as it appears on my checks. I informed Comenity Bank that this may have fixed the problem ( which I did not create, by the way ) only to have been met by another lesson in futility by Comenity Bank 's " Award Winning Customer Care Team. '' So, I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Comenity Bank sent the XXXX a canned response indicating that they would be launching an investigation and would send a letter to me within 30 days of receiving the complaint. The XXXX  closed the complaint on XX/XX/XXXX and I have yet to receive a letter from Comenity Bank. Unfortunately, I do hear from them in the way of harassing phone calls, text messages and Emails, including that they've frozen my XXXX XXXX Credit Card because I haven't paid my credit card bill, their interest charges and their late fees.
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 received a debt collection notice from XXXX XXXX, P.A claiming I owe a medical debt of {$5000.00}. I have never done busines with XXXX XXXX, P.A or have ever lived in the XXXX, TX. I have medical insurance and Tricare has confirmed that XXXX XXXX, XXXX. has never attempted to file any medical insurance claim. XXXX XXXX, XXXX. has been listed as knowingly filing fraudulent medical debt and has been sued recently as part of a class action law suit for this. Every attempt at contacting XXXX XXXX, XXXX. has resulted in no one answering the phone and only having a busy signal. This is impacting my credit score and XXXX XXXX, XXXX. has not responded to any communications to provide an itemized list of charges, the date of charges, attempts and dates of filing a medical insurance claim against my medical insurance and producing any records of bills including certified copies of when bills/notices were sent to me from the initial due date to when the alleged bill was past due. I do not believe they have followed any notice procedures or guidelines to notify me of any bills due as I have never received a bill from them and I have medical insurance if these charges are real. 

XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX They have XXXX XXXX XXXX XXXX XXXX to collect this debt XXXX File Number XXXX
Product: Debt collection

I have been sued for two private student loans in XXXX XXXX XXXX Florida. These loans are past the statute of limitations in Florida as they are more than six years past the first payment due date in the notes. 

I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and XXXX XXXX XXXX was notified of my XXXX and legal representation. It is a violation of the FCRA for these actions to have happened at all without response to or contacting my legal representation. 

Additionally the companies have tried to present this as credit card debt and not promissory notes, fraudulently misleading the court. 

These actions also violate the consent order by the CFPB and XXXX XXXX XXXX XXXX case Case XXXX
Product: Credit reporting or other personal consumer reports

Title XXXX of the United States Code, Section 1692b, is a provision within the Fair Debt Collection Practices Act ( FDCPA ). This section outlines limitations on communications with third parties by debt collectors. Here 's a summary of the key points covered in this section : 15 USC 1692b : ( a ) Communication with Third Parties : Prohibition : Except as provided in subsection ( c ) of this section, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( b ) Permissible Communication : Authorization by Consumer : A debt collector may communicate with a person other than the consumer as authorized by the consumer or as reasonably necessary to effectuate a post-judgment judicial remedy.

Practical Implications : Limitation on Communication : Debt collectors are restricted from communicating with third parties regarding a consumer 's debt, except in limited circumstances outlined in the FDCPA.

Authorized Contacts : Debt collectors may communicate with the consumer, their attorney, the creditor, and certain other authorized parties. They may also contact third parties if authorized by the consumer or if reasonably necessary to effectuate post-judgment judicial remedies.

Protection of Consumer Privacy : This provision aims to protect the privacy of consumers by limiting the disclosure of their debt-related information to third parties.

Exceptions : Certain exceptions may apply, such as when contacting the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

Understanding and adhering to the limitations outlined in 15 USC 1692b is essential for debt collectors to comply with the FDCPA and avoid potential legal liabilities. Similarly, consumers should be aware of their rights under the FDCPA, including protections against unauthorized third-party communications by debt collectors.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding an item on my credit report that contains inaccurate account information. Despite my repeated attempts to dispute this item and request validation of the debt and the original agreement, it remains on my credit report without any evidence of validation from Credence, XXXX, or XXXX. 

Account Name : Credence Rm Account # XXXX I have diligently followed the proper procedures to dispute this item by submitting written requests and providing supporting documentation. Regrettably, my efforts have been met with silence, and I have not received any validation or response regarding the validation process undertaken by the credit reporting agencies involved. 

Therefore, I am formally requesting verification of how this debt has been validated and a detailed breakdown of the procedure that was taken to validate it. It is imperative that I understand how this debt was verified, as it directly affects my creditworthiness and financial standing. 

In accordance with my rights under the Fair Credit Reporting Act, if this debt can not be adequately validated within the specified timeframe, I demand that this account be immediately removed from my credit report. Continuing to report inaccurate and unverified information is a violation of my consumer rights under 15 USC 1681.

I trust that you will take this matter seriously and promptly address the inaccuracies in my credit report. I remain hopeful that we can resolve this issue amicably and without the need for further actions. 

Please provide the following information : 1. Documentation validating the existence and legitimacy of the debt, including the original agreement or contract.

2. A clear explanation of the steps taken by your agency to validate this debt, including the date and method of communication with the creditor or debt collector.

3. Any correspondence or records exchanged between your agency and the creditor or debt collector during the validation process. 

Should you fail to provide satisfactory validation of this debt within the specified timeframe, I will have no choice but to exercise my rights under 15 USC 1681 and pursue appropriate legal action to protect my consumer rights and seek redress for any damages caused by the inaccurate reporting. 

I expect a prompt response and resolution to this matter. Thank you for your immediate attention and cooperation. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a store credit card through Walmart. I have had financial struggles for some time now and they have never offered me any options. I have been struggling with this card for about 7 years. On my online account it asked me to check why I was not making my payment. I marked something along the lines of loss in job/change in income. I have marked this before and they have never offered me any options. I finally called again on XXXX in which they finally offered me their hardship program. They took my payment down to XXXX a month and took away interest, etc. I was dumbfounded that it was that easy and that they had never offered me that program before.
Product: Student loan

I 've contacted the Dept. of Education/Navient on several occasions. I 've email : XXXX and the CEO : XXXX on several occasions to address my concern. 

I have never been late. My account has always maintained a deferment status. I have 38 derogatory marks/late marks on my credit reporter all 3 reporting agencies. They all show 120-149 days late. This is affecting my credit score tremendously as I am trying to close on a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease.

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against XXXX for these unfair practices and won the case last year. The debt collector XXXX hired has n't stopped their unfair collection practices eventhough case against XXXX has been won and XXXX is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against XXXX nor to desist collection for XXXX. I told them i was filing a claim at the attorney general because of the lawsuit against XXXX snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to XXXX was never properly verified by XXXX nor rid XXXX notified me that the debt was being sold. 
I got into a situation of not being able pay XXXX due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing XXXX i was going to file bankruptcy.
Product: Credit reporting or other personal consumer reports

I just notice a fraudulent hard inquiry on my credit report made by XXXX CARD on XX/XX/year>. I'm not sure on this happened. I called my bank to let them know that it was not me who made this inquiry. They said that I should place a credit alert and freeze on my personal credit profile. I told them I would like this inquiry removed from my credit report immediately.
Product: Mortgage

On XXXX XXXX, XXXX, I contacted Bayview via fax and notified them that the loan for which it claims to be servicer was cancelled by written notice mailed to XXXX XXXX XXXX at least as early as XXXX XXXX, XXXX pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX that same letter, I asked Bayview to not contact me again regarding the loan at issue. Since that time Bayview has repeatedly contacted me falsely claiming that I have " requested to be reviewed for a mortgage loan modification. '' I have attached a small sample of the letters Bayview sent after I asked them not to contact me dated ; XXXX XXXX, XXXX ( XXXXXXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX, XXXX XXXX XXXX ). These represent but a few of the harassing contacts and the frequency of the dates are a clear indication of the harassment. On XXXX XXXX, XXXX, Bayview sent a representative to my home claiming that Bayview had not heard from me and that Bayview believed that I had abandoned my property. 

Meanwhile, there is another party who has filed a foreclosure action on the very same loan in state court. 

Bayview 's contacts are harassing, and I have already notified it that the mortgage loan at issue was cancelled at least as early as XXXX pursuant to XXXX XXXX XXXX yet it has been months since that notification, and Bayview has provided no response whatsoever. It simply continues to send me modification packages falsely claiming I have requested those packages when I have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To who it may concern at the XX/XX/2019 two days before my credit card due date i called my own credit card bank seeking for an extension of 14 days to make my payment due the government shut down but instead they help me they decided to revoke my account and closed it permanently. 
This big bank has abused their power against by closing my account with them without any valid reasons but me seek for two week extra to pay them due the government ' shutdown and totally stripped me from all points that earned from using my own hard working money. At the XX/XX/2019 i and after i made my payment of 1000 $ to them I received a letter from Td bank saying that they revoked and closed my credit card account that I had for nearly three .and I've never missed a single payment and my account always been in a good standing payment for three years .Also, they are refusing to let me used my earned points by all means please help to stand against this unfair bank who his dealt with with nothing but rudeness and unjustness every time I called them to seek for my stolen points by them and ask them for explanation why did they closed my account but they never wanted to help or answer any of my question .nevertheless, by they closing my account they hurt my credit score badly and this show the luck of fairness and professionalism. and how this big bank use us to get as much of fees and interest and after they done they just close the account but never give the fess nor the interest back to us giving the fact this credit card has charged me the last three years totally 2500 $ in fees and interest please help me the hard worker people like me to stand against them.
Product: Mortgage

I have a mortgage with XXXX XXXX XXXX through XXXX. The structure of my home was recently damaged due to a neighbor / property owners negligence with treating the tree. The tree is dead, and the property owner was notified that the tree was dead prior to the damage to my home. My home is uninhabited and has been for more than a month while I work with my insurer to get the repairs completed. I reached out to NACAs HAND department for help, and the representatives refuse to answer the phone and respond to email attempts. I have called the NACA XXXX Department repeatedly for help, and I have been met with rude and hostile representatives who claim to be too busy to help NACA clients. NACA has refused to help me in any way.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was infair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actuons has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. The inaccuracies in question are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : Account with XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account with XXXX  XXXX Account Number : XXXX Account with XXXX XXXX XXXX XXXX  Account Number : XXXX Account with XXXX XXXX Account Number : XXXX [ Include any other relevant information about this account. ] I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 

Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims, including [ include any supporting documents if applicable ]. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,