23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Once again upon reviewing my credit report I noticed accounts from ARS placed. I have NEVER received any information written nor phone calls about this alleged debt until after I asked for validation. I have NEVER been aware of this alleged debt until I pulled my credit reports this year. I mailed validation letters twice via certified mail on XX/XX/XXXX and have received no reply to them according to my request. Under the FDCPA I have a right to debt validation. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. I have asked of ARS multiple times to allow ME to validate the alleged debt by doing the following : 1 ] Sending me a detailed breakdown of fees and any collection costs and medical charges.
2 ] Sending me a copy of my signature with the provider of service to release my medical information to ARS.
3 ] Sending me FULL DOCUMENTATION of what was received from the provider of service.
To this date I have NOT received any of the requested information above. I have only to this date keep receiving the same statements on ARSs letterhead that could belong to anyone and is NOT ... I repeat the ARS letterhead statements are NOT validation and can NOT and does NOT serve as proof that I owe this alleged debt. Reporting information to the credit bureaus that has NOT been validated is indeed a violation and ARS is violating the law. ARS is refusing to validate the alleged debt by not complying to my request as once again I am legally allowed to request validation. ARS must permanently cease and desist any credit bureau reporting of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 XXXX 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: Credit reporting or other personal consumer reports

Upon my credit report I have a few collections that im very unaware of. Those collections is keeping me from finding housing for my daugther and I which we are basically about to be homeless. I've disputed the collections multiple times, within days of the dispute, it states all information will remain the same for these collections Ive never had. Ive explained multiple times to all credit bureaus that im a victim of identity theft. 

XXXX XXXX XXXX {$810.00} XXXX, XXXX {$480.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$620.00} I've also disputed plenty inquiries that has been reported inaccurately and the credit bureaus still decided to leave the inquiries on my report.
Product: Checking or savings account

I'm currently looking for an apartment and was told to check XXXX XXXX XXXX. On XX/XX/XXXX, I went to XXXX and realized I was banned from XXXX XXXX XXXX for Improper sales and use. I submitted a wrongful request form and it would take 24 hours to look into. On XX/XX/XXXX I checked back to see if I had gotten a response. But I was still banned, so I reached out to the help desk for assistant. After giving my information, the assistant stated that my account had been hacked and I need to clear al of my information. He had me follow some a few steps and after a brief hold he stated I owed {$5000.00}, He stated " I needed to move my money right now so the hacker wouldn't have access to it ''. He had me send a Cash App amount of {$150.00} and XXXX of {$180.00}. He stated he would put the money back after he blocked the hackers. He made me call the bank and tell them " this is all legit ''. As The conversation went on he asked for more money and I told him " no '' because he still hadn't given me back my other money. I hung up telling him " I gon na call the police and bank ''. I notified XXXX and was told they don't cover XXXX or Cash App. Several hours later, I got called from the " XXXX help desk '' stating that if I wanted my money back I had to give them an extra {$250.00} dollars, I hung up. The number that called me was ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit department at Bank of America. The representative preformed a search for the referenced account using my social security number which I provided. No information was found. They then transferred me to another department, both departments then concluded I am not a customer. 

My credit report shows two opened, revolving accounts with BOA which I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I was notified by XXXX that there was a credit inquiry on my report for XXXX Toyota for financing. I did NOT give permission for this inquiry and never even visited the dealership. When I contacted the dealership and asked them why they ran my credit, they said its no big deal just call XXXX and they would remove it. XXXX stated that I should contact the CFPB and pending the results of an investigation by the agency they would determine steps for removal.
Product: Money transfer, virtual currency, or money service

International Transfer Date - XX/XX/scrub> 2024. 
Sent from XXXX XXXX account to Chase. 
Account number was incorrect, and Chase never initiated bounce-back to XXXX account XXXX 

Timeline of Events : XX/XX/scrub> 2024 : A wire transfer was initiated from XXXX account to the incorrect Chase account. No bounce-back or communication was received from Chase regarding the error. 

XX/XX/year>2024 : XXXX initiated a recall request to Chase for the incorrect wire transfer, with no response. 

XX/XX/year>2024 : I spoke to XXXX at Chase Bank XXXX XXXX, who initiated a Corporate Complaint. 

XX/XX/year>2024 : I received an email from XXXX XXXX ( Chase XX/XX/XXXX XXXX XXXX XXXX ) stating that Chase had been unable to reach me since then ( no context provided ) and would cease contacting me. 

XX/XX/scrub> 2024 : I reached out to Chase via XXXX and received a bot response with no action taken. 

XX/XX/scrub> 2024 : I visited Chase Bank and spoke to XXXX over the phone, who assured me the case would be investigated and promised contact by XX/XX/scrub> 2024. No follow-up has occurred. 

XXXX XXXXXX/XX/XXXX Enquiries to Chase ( No Response from Chase in 2024 ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am writing to formally lodge a complaint regarding the missing wire transfer initiated on XX/XX/scrub>, 2024. Despite numerous attempts by both myself and XXXX XXXX to resolve this issue, Chase has failed to respond or take any meaningful action to locate and return the funds. 

As outlined in the timeline above, this issue has persisted for over eight months, with multiple internal inquiries from XXXX to Chase going unanswered. Chases lack of communication and failure to resolve this matter is unacceptable and has caused significant financial and emotional distress. 

I have made every effort to work with Chase to resolve this issue, including visiting my local branch, speaking with representatives, and escalating the matter through your Corporate Complaint process. However, the lack of progress and communication from Chase has left me with no choice but to consider legal action.
Product: Debt collection

Dear Radius Global Solutions LLC, I am sending this letter in response to a collection notice I received regarding the alleged debt associated with account number XXXX. I respectfully request that you provide proper validation of this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please supply the following information : The name and address of the original creditor. 

The amount of the debt, including a breakdown of fees, interest, and other charges. 

A copy of any agreement that legally obligates me to pay the alleged debt. 

Proof that you have the legal authority to collect on this debt. 

A copy of any judgment, if applicable. 

Until I receive this information, I request that all collection activities regarding this account cease, including reporting this account to credit bureaus. 

Please consider this letter as my formal dispute of this debt. If you can not provide the requested information, please remove this account from your records and notify any credit reporting agencies to delete the associated entry. 

I request that all communication regarding this matter be conducted in writing. Please send the validation documents to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB complaint for the Credit Bureaus to correct or remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. Please investigate and correct the following accounts : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Dear Axos Bank, I opened Axos Checking and Savings accounts via the promo page https : //www.axosbank.com/pages/freedom on XX/XX/XXXX, using the promo code XXXX. The promo promised a {$300.00} bonus under the following conditions : - Open the accounts by XX/XX/XXXX with the promo code XXXX. 
- Fund the accounts within 30 days of opening. 
- Ensure direct deposits totaling at least {$1000.00} per calendar month, with a {$100.00} bonus credited after each qualifying month, up to three months in the first four months.

See also the attached screenshot for detailed terms. 

The accounts were funded on XX/XX/XXXX, and the promo code was successfully applied ( customer service confirmed that- as per the attached screenshots ). 
My direct deposits ( paychecks from my employer ) were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each of {$1000.00}, totaling {$2000.00} for each calendar month in the XXXX, XXXX, and XXXX months after account opening. 
Despite meeting the promotion requirements, I have not received any bonus. 

When I contacted customer service, I received conflicting responses : - I was told that the direct deposit funds needed to remain in the account for a full calendar month to qualify, which was not a requirement in the terms ( see attached screenshot ). 
- Another response claimed I wasnt eligible due to the one-checking-promotion-per-year rule, but I have never held a checking account with Axos before.

- Lastly, I was told my direct deposits were not legitimate, which I disproved by providing paystubs and also showing that the Axos interface properly categorized them as Deposits > Paychecks/Salary ( see attached screenshot ). 

I escalated the issue, and XXXX # XXXX was created, but no resolution or feedback was provided. 

I kindly request a thorough investigation into this matter and the deposit of the {$300.00} bonus as per the promotion terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Product: Credit reporting, credit repair services, or other personal consumer reports

1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate I ask that the accounts listed below are fairly removed from my credit report since the information is incorrectly reported. 

Before doing so i would like to state that the XXXX XXXX XXXX XXXX Is not my name! 
My name is XXXX XXXX and only XXXX XXXX The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the fact that this information is Incorrectly reported on my credit report I ask that it is removed. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Report on my Credit. This is a 2017 account. My XXXX  XXXX XXXX was totaled. The insurance and XXXX XXXX paid this 2017 account off. An insurance settlement was reached. It Goes off and then continues to reappear on my report. XXXX XXXX XXXX XXXX is now reporting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX/XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}
Product: Student loan

Fed loan servicing is a complete scam. After enrolling in part-time XXXX  school they automatically make changes to my account to set to deferment. No one should be making changes for my account other than myself, if I wanted to enter deferment I would have. On top of this, I was eligible for the deferment back in XXXX but it did not actually kick in until a few days before my loan should be paid in XXXX. After being notified by Fed loan of the deferment I received multiple emails that I should still pay, yet they make it impossible to take my loans out of deferment. After spending 30 minutes I finally was able to reach through to an actual person who informed me I must now fill out a form. The only place this form is found is before logging into your account at the bottom of their web page in small writing. AKA where no one will look. After that you must submit this form, they give plenty of options to submit for deferment and avoiding the loans, but force the form to get out of deferment to fall into the other category. This category, of course, takes longer because it does not give a defined path to a representative. While on the phone I also asked about the ability to target higher interest loans with extra payments because my employer also helps with my loans. Apparently you can only target higher loans with single payments, not auto payments. Now not only did they mess up my loan statues but have also messed up my employer 's contributions. Every single procedure and step about this company is designed to make you pay more and keep you as long as they can. They send emails to say look what we can do to help and then give a complete run around that often makes things worse.
Product: Credit reporting

Equifax keeps saying that I have submitted additional information which is not true, then feels that do n't have to do anything else. They mail me unchanged results and feel like they have fulfilled their requirement to you.
Product: Debt collection

I am writing to file a formal complaint against GENESIS CREDIT MANAGEMENT, hereafter referred to as " the Agency. '' My complaint is based on multiple violations of my consumer rights as outlined in federal regulations governing debt collection practices. Despite my attempts to resolve this matter directly with the Agency, they have not complied with legal requirements, compelling me to seek your intervention.

Account Number : XXXX ( XXXX ) and XXXX ( XXXX ) Violations Reported : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The Agency has failed to provide me with the required validation information regarding the debt they claim I owe. Despite this, they have proceeded to place a collection account on my consumer report, which I believe to be a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the associated regulations.

Failure to Allow Dispute - 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt within the timeframe specified by law. This denial of my right to dispute has not only impacted my credit report but also my financial wellbeing.

Use of Misleading, Deceptive Means - Violation of Consumer Rights : The Agency has engaged in practices that are false, misleading, and deceptive, aimed at misrepresenting the nature and status of the alleged debt. Such actions are in clear violation of the principles and protections intended to safeguard consumers from abusive debt collection practices.

Unauthorized Furnishing of Information - 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The Agency has furnished information about the account to consumer reporting agencies without providing all disclosures required by law. This act is in violation of both the Regulation F of the FDCPA and the Fair Credit Reporting Act ( FCRA ), undermining the integrity of the information reflected on my consumer credit report.

I request the Consumer Financial Protection Bureau to investigate these allegations and take appropriate action against GENESIS CREDIT MANAGEMENT to ensure compliance with federal laws designed to protect consumers. Furthermore, I seek correction of the inaccuracies in my credit report resulting from the Agency 's actions and restitution for any harm caused by these violations.

I appreciate your prompt attention to this complaint and look forward to your support in rectifying this situation.

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Santander is in violation of the settlement agreement for the identified predatory loan. They were supposed to clear my credit report of derogatory marks related and wipe my it off due to being identified as a predatory loan. They have now moved back to their previous tactics of reporting and updating my status as late payments for a charged off account and harassing me via phone and email. 

I am writing to formally notify you that Santander Consumer USA Inc. ongoing notifications and listing of repossession of my vehicle, associated with Loan/Account Number [ XXXX ], is in direct violation of the settlement agreement in the case of *People v. 
Santander Consumer USA Inc.*, finalized in XX/XX/XXXX. 
Based on the terms of the settlement, particularly as outlined in paragraphs 10, 11, and 12 of the agreement, Santander is required to provide certain consumer relief, including : - **Paragraph 10** : Santander shall not repossess vehicles for consumers who had a loss forecasting score of 401 or less and had defaulted without having their vehicle repossessed as of XX/XX/XXXX. 
- **Paragraph 11** : Santander is obligated to waive the deficiency on loans it owns for Mandatory Relief Consumers , including those with a loss forecasting score of 401 or less.

- **Paragraph 12** : A moratorium on collecting or selling certain consumers loans is in place, specifically regarding Deficiency Relief Consumers. 
As a participant in this settlement, I believe my attempted vehicles repossession is in violation of these specific provisions. I request an immediate review of my account and the situation, with a corrective action to remove degrading marks from my credit and ongoing updates to further sully my credit score.