23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, Creditor/ company that they identify as XXXX XXXX XXXX XXXX XXXX has contacted my girlfriend on 4 or more occasions and left messages in regards to a debt possibly owed through Rushmore Financial. These calls started on XX/XX/2020 and have been occurring multiple times daily through today XX/XX/2020. They state they will be serving me papers for debt owed through a courier to my home and or employer. However I am informed them multiple times that I no longer live at address on file nor work at employer they have on file. I have attempted to provide new address and they then hang up and call back and continue to harass me. When they call back they state same thing all over again about coming to my home and employer to serve me but won't allow me to provide new address. They also have shared debt or personal information with a 3rd party and I have documented voicemails. Their number comes up as NO CALLER ID as well.
Product: Credit card or prepaid card

Date : XX/XX/XXXX Amount : {$930.00} Action : I called the credit card company to complain about this accrual interest charge on my account after I received my statement on XX/XX/XXXX when I had a pending balance of {$160.00} on my account. I was n't aware i was going to be charged this amount as I was informed when taking the card that if I had n't paid the total amount by the end of a promotional 18months period, I would be charged the interest for the remaining balance on the account. To my surprise, when i received my statement on XX/XX/XXXX, I saw a charge of {$930.00}. I have called Zales for complaint and try to resolve the issue, but the customer service offered to remove 50 % of the charge and I have to pay the other 50 %. However, I could n't understand why 50 % was offered and not everything, even considering that I have already fully paid off my account after seeing the amount charged. If I received my statement on the XX/XX/XXXX, showing the charge, I would have addressed the interest immediately but the customer agent could n't understand that apart from my statement where the disclaimer is hidden I would n't have know that the agent in the store that made me get the card was lieing to me. But, I get all sort of promotional emails weekly but I was never sent an exclusive mail of this interest charge to alert me. I wanted the agent to reverse the contentious charge but the agent kept telling me that if I do n't accept the charge immediately, I will never be given another option, even after telling the agent I needed time to think about the offer of resolution considering I was very dissatisfied with what had happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : {$540.00} CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}
Product: Debt collection

I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996
Product: Checking or savings account

what is the mailing address of your cfpb which is impossible to find in your beaucratic website give me the information by e-mail only sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

XXXX Bank, XXXX XXXX is the XXXX XXXX XXXX for Conduent State & Local Solutions , IncXXXX XXXX  XXXX XXXX XXXX BoA ) has closed an alleged, account in a prior complaint through this CFPB platform for false representation. Conduent State & Local Soultions , Inc has refused to answer any affidavits that have refuted debts. Account number XXXX was the account in question and was closed by BoA as the adminstrator of the account. Notice was sent to the credit bureau 's. XXXX XXXX  XXXX, needs to confrim that the company that they are acting as trustees CSLS is reporting information correctly. I appears that CSLS is acting as an agency of XXXX XXXX XXXX in a vendor capacity. Mail being sent from XXXX XXXX XXXX, XXXX, NY XXXX is sent from XXXX XXXX XXXX, XXXX New York XXXX. All the correspondance is under the guise that it is an action of XXXX of New York requesting payment on debts when it is actually CSLS send recieving and conducting business under contract. When this matter was directed to the entire Board of Directors for CSLS via email communication, non response was the response. This simply is mail fraud. I have refused mail from the sender and have also sent letters to a lawyer that claimed PoA over my estate without my knowledge or consent. This means that CSLS as a vendor is acting in private equity for the State of New York to engage programs to require the State to enter a treaty. Filed below is a list of UCC filings that show the check kiting scheme. XXXX Bank XXXX XXXX appears finding transmitting utility as a XXXX foreign trust.
Product: Credit reporting or other personal consumer reports

NO PROOF OF INVESTIGATION ON XX/XX/2024 EXPERIAN RESPONSE WAS VERIFIED FOR ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) BECAUSE INFORMATION HAS BEEN VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. 

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Product: Student loan

In XX/XX/XXXX I took a student loan out for my daughter a sum XXXX original lender was XXXX XXXX, three months later I go on XXXX and default. XXXX XXXX sold my account to XXXX. When XXXX contacted me the principal default XXXX, interest accrued {$4300.00}, other charges accrued {$34.00}, collection cost accrued {$140.00}, collection cost projected {$5900.00}. The loan exceeded a total of {$38000.00}. In XX/XX/XXXX I did the student forgiveness program with XXXX. XXXX told me to pay as low as {$5.00} a month, but I had to pay {$5.00} for 8 months I completed the program. two months later I get a letter from SUNTRUST asking me to pay {$400.00} every month to pay the student loan. I do n't owe SUNTRUST anything. I am afraid they are going to destroy my credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent in a check in regards to a payment towards my Cabelas credit. I sent In a check as a payment method. I then recently found out short afterward the payment was not received. As you can see I am a honest loyal person I pay my credit card on time. I am currently trying to buy a house but this is reflecting my credit. I am asking for this error to be fixed in the system and not reflect as non paid. I would greatly sincerely appreciate it and help me buy my house.
Product: Credit card or prepaid card

On XX/XX/XXXX, I notified XXXX XXXX XXXX that an account had been opened in my company name without authorization, that I was disputing all charges, and the account should be closed. XXXX XXXX ( an account manager with XXXX  ) reached out to me. During our conversation he told me that he would issue {$950.00} in credits to my account but I would need to send him written authorization to reactivate my account for him to apply the credits to my account. He said the credit would be applied within 7-10 days. After waiting 10 days, the credit was not issued to the account. On XXXX XXXX, XXXX, XXXX XXXX replied stating that he was out sick and the email was not sufficient for the fraud team so I would need to send another written authorization. Another written authorization was sent on XX/XX/XXXX. A number of emails and phone calls were made to XXXX XXXX. He continued to promise us that the credit would be applied in a few days. We complied with his requests for written authorization based on the promise to issue these credits. The full amount of credits were never applied to the account as promised. On XX/XX/XXXX, XXXX XXXX stated that our account would not be reinstated. We immediately replied to send us a check for the balance on the account and on XX/XX/XXXX, XXXX XXXX stated that they would not issue a check for the credit balance on our account. We are still owed {$160.00}.
Product: Debt collection

XXXX I do not have a contract with this company. Please validate the debt
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from XXXX XXXX  on XXXX. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. XXXX XXXX have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXX XXXX furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX  for review or collection. This needs to be removed immediately. Pursuant to 15 U.S Code 1681b without permissible purpose this inquiry needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

This complaint is refer to my previous complaint filed with # XXXX. Which was closed without solution. However, I would like to get more help because of the unsatisfied reply from the company to this complaint. 

Consumer Financial Protection Bureau Subject : Complaint to Crypto.com Dear Sir/Madam, I am writing in response to the letter I received from the Consumer Financial Protection Bureau ( CFPB ) regarding my complaint against Crypto.com. I appreciate the CFPB 's attention to this matter, but I must express my dissatisfaction with the response provided by Crypto.com, as it fails to address the gravity of the situation and the exceptional circumstances under which I authorized the transaction. 
While I understand that blockchain transactions are designed to be immutable and irreversible, it is imperative that the CFPB recognizes the unique circumstances surrounding my case. I can not stress enough the fact that I authorized the transaction under duress, as I was subjected to persistent manipulation and undue pressure. These coercive tactics compromised my ability to make an informed decision and rendered my consent involuntary. 
It is unacceptable for Crypto.com to hide behind the immutable nature of blockchain transactions and the lack of control over third-party digital wallets as a justification for their refusal to take any remedial action. The CFPB must hold Crypto.com accountable for their role in facilitating a transaction that occurred under such exploitative circumstances. 
I demand that the CFPB conducts a thorough investigation into this matter, not only focusing on the transaction itself but also on the actions and responsibilities of Crypto.com. The CFPB must engage with Crypto.com and any other relevant entities to explore all possible avenues for rectification, recovery of the digital assets, and holding accountable those responsible for the coercion I endured. 
I implore the CFPB to take a strong stance against such malpractices and to act in the best interest of consumers who fall victim to coercive tactics in the cryptocurrency space. It is essential that the CFPB ensures a fair and just resolution to this matter, considering the exceptional circumstances and the potential implications it may have for others who have faced or may face similar situations. 
Enclosed with this letter, you will find copies of all supporting documentation I possess, including relevant correspondence, records, and any evidence that substantiates my claims. I trust that these materials will provide a comprehensive overview of the coercion I experienced and the urgency for the CFPB 's intervention in this case. 
I expect a swift and decisive response from the CFPB, indicating your commitment to investigating and resolving this matter. The protection and well-being of consumers should be at the forefront of the CFPB 's mission, and I trust that you will fulfill your duty accordingly. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the change in the New York Statute of Limitations bill signed by Gov. XXXX XXXX  into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.
Product: Credit card or prepaid card

Eppicard of PA has numerous consumer complaints and ABSOLUTELY NOTHING IS BEING DONE!! I HAVE charges months ago I didn't make or know about and several other people are saying the same thing! 
I even escalated it to a supervisor and promised I would get a call in 48hrs and of course I didn't which was 3wks ago.

I called back 2wks ago and all they did was apologize but still didn't help.

I need to take out my money now because for so many people with the same issue, something is very wrong and I think its embezzlement but something needs to be done now!
Product: Money transfer, virtual currency, or money service

Over the past XXXX years Ive had to keep making new accounts, due to money just vanishing out of my account. Mysterious businesses never be heard of charging my card. Taking my money I worked for sometimes leaving me with nothing. Ive called and tried to report it with the company, the only thing Ive been told was call the business that charged me. Once again a business that is unheard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX ( DISPUTE CODE - XXXX ) Hello, my name is XXXX XXXX and my personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized accounts. Ive attached a police report pertaining to the incident and sent it to Experian. In accordance with the Fair Credit Reporting Act multiple unauthorized accounts I have found on my credit report please immediately delete and remove all inaccurate accounts I have listed. 

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, Experian and XXXX consumer credit bureaus. I NEED this account XXXX XXXX XXXX  deleted from my credit report profile. 


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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I NEVER AUTHORIZED XXXX XXXX XXXX OR THEIR ORIGINAL CREDITOR XXXX XXXX TO USE MY INFORMATION OR DONE ANY TYPE OF BUSINESS ASSOCIATED WITH EXPERIAN OR ANY OTHER CREDIT BUREAUS. I HAVE FILED A POLICE REPORT ABOUT THIS ISSUE BECAUSE MY IDENTITY HAS BEEN STOLEN THROUGH THE PANDEMIC AROUND XXXX. PLEASE REMOVE THIS DEROGATORY ACCOUNT I HAVE NEVER ASSOCIATED MYSELF WITH IT IS VIOLATING MY CONSUMER RIGHTS AND I WILL TAKE IT TO COURT IF THIS IS NOT REMOVED. 

- XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, NTL RECOVERY AGENCY # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit card or prepaid card

I applied for benefit around 2021, I'm yet to be issued a XXXX prepaid card till date and i had XXXX on the card. I really need money a lot please let bank of America kindly do something about it thank you.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft. You are obligated to remove any items opened without my knowledge, consent, or authorization within four business days after receiving the following : ( 1 ) valid proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) a detailed identification of the fraudulent information, and ( 4 ) a statement from me affirming that the information does not pertain to any transaction I authorized or conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX