23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a service with XXXX from XXXX to XXXX. I close everything down, returned the equipment and paid off what they told me what I owe and what was on the bill and that was it. I never heard anything from them until XXXX when I saw that they were on my credit report. They never sent me any notice ( s ) or anything for over 2 yrs. I started cleaning up my credit report in XXXX to my buy my home and I took care of everybody that was on my report and they were not there. In XXXX of XXXX, I moved and I was just checking my credit report in XXXX I saw Southwest collection for XXXX and called them and ask them what this was about and they said that I owed XXXX {$120.00} from XXXX. I told them that I paid what I owed and they said I did n't. I asked to show proof, they could n't, they said they would have to go into records to find the bill. They ask to send it to me and I gave them my current address and sent me a bill. I looked in my old bank account where I paid off XXXX with the last payment of {$30.00}. Also I see on the bill that they charged me for service XXXX and XXXX when I shut it off in XXXX. I told them that I paid everything, but they insist on saying that I owe them. I 've sent 2 disputes, one to XXXX ( they did nothing and are now re- investigating XXXX and XXXX just got rid of it because they 're in violation of fair credit reporting by not XXXX notifying me of the debt XXXX trying to collect on a debt that is over 2 yrs old and 3. putting it on my report without giving any kind of notice. I just recently talked with Southwest ( because they keep calling here ) and told them they were in violation and the guy said they could do whatever they wanted to do. Also they said they sent a notice in XXXX to an address that I live at in XXXX Please fix this and have them dismiss the debt and remove it from my report. Thanks P.S. I have bank statements showing what I paid, but having problems getting them. ( it is almost 3yrs ago ) I can get them if necessary.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Debt collection

Subject : Formal Request for Itemization and Validation of Charged-Off Accounts To Whom It May Concern, I am writing to formally request a detailed itemization and validation of any charge-offs reported by Affirm, Inc. to credit bureaus or associated with my account ( s ). Under the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, I am entitled to full disclosure of this information. 

Please provide the following within 30 days of receipt of this letter : An itemized statement of the alleged debt, including all charges, fees, and payments applied. 
The original agreement that outlines the terms and conditions of the account. 
Proof of your authority to collect or report this account, including any assignment or sale of the debt. 
Details of the charge-off, including the date and the amount written off. 
Failure to provide this information within the specified timeframe will leave me no choice but to pursue legal remedies, including a lawsuit for statutory damages as allowed under the FCRA and other applicable laws. 

Please treat this letter as a formal dispute of the alleged debt until you provide full and accurate validation. I expect no further collection or reporting activity during this investigation. 

You may send your response to the address provided above. I reserve all rights under applicable law.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of the disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users venerable to scams. This lack of responsibility leaves myself and other consumers very concerned and disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX act Convergent 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 an account without my written instructions.
Product: Credit card or prepaid card

Dear Sir/Madam, I bought two Visa gift cards ( issued by US Bank ) in XXXX on XX/XX/2021, with {$500.00} loaded in each card. When I tried to register these cards, I was told they were not activated. I then noticed that the last 4-digits of the cards do not match the last 4-digits shown on my purchase receipt. I called XXXX immediately to report this problem and hope to find a solution. They asked me to fax them the documents, including the receipt of the purchase and the photocopy of the cards, and I did this on XX/XX/2021. I called them today ( XX/XX/2021 ) to check the progress of the investigation, and they said they can not do anything unless I can show them I bought the cards that I have in hand. This is what I can not supply because the receipt is showing different cards were activated. Because they know which cards have been activated because the receipt has the last 4-digit of the activated cards, I asked them to deactivate and issue replacement of the cards shown on my receipt, but they refused. Please help to solve the problem. The photocopy of the cards ( front and back ), the photocopy of the card package ( front and back ), and my purchase receipt are attached as the supporting information for the complaint. Thank you very much.
Product: Credit card or prepaid card

Opened a new account with XXXX XXXX XXXX, and when I attempt to access my account online their entire website and phone tree is down. I can not register for access, see my info, or pay the bill that is due. Checking online shows this site has been down for weeks. I don't want a hit to my credit because I can't pay the bill.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account SUNRISECRED accopunt number XXXX balance {$260.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account name XXXX Account Number XXXX Account name XXXX XXXX Account Number XXXX Account name 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 a account without my whiten instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

My name is XXXX XXXX and I was a victim of fraud due to PNC Bank 's inability to stop someone from accessing my account and making unauthorized transactions on my account. Please find the letter attached attempting to blame me for the fraud that occurred on my account and attempting to charge me ( the victim of fraud ) {$4400.00}. I refuse to pay for any account transactions that I never authorized and will not be paying. I would like for these charges to be reversed with my record cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, the account in question ( XXXX XXXX XXXX XXXX XXXX ... XXXX ) was removed and now it is showing on my credit report again. The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report, Experian has disregarded this law.
Product: Checking or savings account

EPPICard also known as Conduent, Inc is the company that handles the Child Support Services payments for the State of Oklahoma. There is no option to receive Child Support Services through any other means. A few weeks ago I received notice that my card had declined on an autopay. Considering I never use the card except for 2 autoplays, I found it suspicious. I attempted to login to my online account only to find the password had been changed, signaling to me that the EPPICard system had a security breach. After resetting my passwords, I login to find over 50 fraudulent charges that would have been flagged by any other card servicing company. I called EPPICard and was told I would be mailed a form to fax in. I never received the form. I called another 5 times a week later. Every time I attempted to resolve the issue, I was hung up on or disconnected. Each call lasted between 25 and 55 minutes. Furthermore, their account verification over the phone puts the consumers personal info at risk. They ask for far too much personal information, including, your full Social Security and text verification over the phone which is a common request of scammers. Currently the issue is unresolved and I have made every reasonable attempt possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

XXXX is not providing complete information and the monthly payment and limit. There are also multiple XXXX late payment in the payment history which are wrong. 

Experian failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when XXXX reports this as Late XXXX? Clearly, this shows inaccuracies. 

XXXX also missed reporting the monthly payment, credit limit and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX  XXXX  XXXX {$970.00} XXXX  XXXX  XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX/XXXX  XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Student loan

I have been trying for years to have my loans rehabilitated by the National Credit Services. I check my credit report on XX/XX/2021, and see that my loans still show that I am in collections. 

I called National Credit services and they state the last payment that would put my student loans in good standing FAILED. And because that payment didn't fail in XXXX I would have to go back through the program allowing the defaulted loans to stay on my credit report for another 9 months. 

I never received any communication about a failed payment and if I did I would have happily provided new details for my last payment to have my loans in good standing. National Credit Services even has a record that I contacted in XXXX. I called in XXXX to find out why my loans weren't out of default and I was told that paperwork needed to be submitted to have my loans returned back in good standing and that I should wait for communication from the Department of Education. 

The resolution I am seeking is that I am able to make my last payment so that my loans can return to good standing so that I can have the ability to rent a home.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries on my credit report. Due to a recent data breach, my personal information was compromised, resulting in unauthorized accounts and inquiries appearing on my credit report. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) as a victim of identity theft to have this information permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by FLURISH INC. , XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX