23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, On XX/XX/2022 insurance agent XXXX XXXX provided an evidence of property insurance under XXXX XXXX XXXX XXXX. The insurance was wrongly made in the name of an individual. After finding the error the policy was effectively canceled on XX/XX/2022 with a flat rate fee of {$0.00}. Several month later XXXX XXXX XXXX company ( an XXXX  ) claimed unpaid amount of {$52.00} and requested payment. No amount was due as per the signed and executed document on XX/XX/2022. After a couple communication of the same information to both the creditor and the debt collector, this alleged amount of {$52.00} was sent to collection. The amount requested was sent to collection using inaccurate documents and without consideration to the agreed upon cancelation flat rate of {$0.00}. The company initiating the debt collection is CCS COLLECTIONS. After sharing this information by phone and by mail to CCS collections, they still are enforcing the debt and submitted to the credit bureau. 
In short, this policy was never properly put in the correct name and therefore was canceled. Also, during the same period another insurance policy was entered. No monetary consideration or deposit were paid to activate this insurance, and any services thereto alleged was unauthorized as it was promptly canceled within a short amount of time for a flat fee rate of {$0.00}. 
Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Th List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX {$2300.00} OPENED XXXX, Account name : XXXX XXXX XXXXXXXX {$1500.00} OPENED XXXX, has violated my rights. 

I looked at my my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

My mother is XXXX years old!! They called her 7 times today alone!! I told them, on a recorded line, to stop harassing my mother yet they persist. My mother is now afraid to answer her telephone. We are in Texas in the mist of one of the worst winter storms on record and they will not stop!! This should be illegal!!
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Section 807 ( 2 ) ( A ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ) prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely reporting information on a consumer 's credit report. 

I am writing to file a formal complaint against LVNV Funding LLC regarding falsified information on my credit report. LVNV Funding LLC has violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate and misleading information, which is damaging my creditworthiness and financial reputation. 

However, I have never had any dealings or transactions with LVNV Funding LLC, and I believe this information is entirely fabricated. 

The actions of LVNV Funding LLC are in direct violation of the FDCPA, which prohibits debt collectors from engaging in deceptive, unfair, or abusive practices. By falsely reporting information on my credit report, LVNV Funding LLC has violated my consumer rights and caused me significant distress and financial harm.
Product: Prepaid card

My mother purchased a vanilla gift card for me in the amount of {$100.00} for XXXX. I was going to use it to get a new weed eater but we moved to a different state instead tried using the card at XXXX which sells vanilla gift cards around late XXXX early XXXX. My XXXX total was under the {$100.00} balance I have on the vanilla card. I could not get this card to work. I set up the pin which the XXXX employee told me to do. I was at XXXX for 45 min with my son and wife trying to get this vanilla gift card to work with no success. Very embarrassing and frustrating because at the time when I called the number on the card it told me my balance was {$100.00}. That number on the card no longer works.
Product: Debt collection

I am requesting verification validation of debt per my right under the FDCPA section 809 A and B. I have contacted this company before and they can not provide proof this is my debt. This is currently being reported on my credit report and its not mine. If these documents can not be provided within 30 business days, then this account needs to be removed from all 3 XXXX 's. I will contact an attorney if needed to protect my rights as I am aware of the actual and statutory damages for each violation. PRA is also a debt buyer therefore I want the bill of sale on this account for each time this changed hands. I have no problem taking you to court to get these records and you would have to provide a custodian of records to prove the documents are accurate. This also means I have the chance to so a deposition.
Product: Debt collection

When I pulled my credit report inXX/XX/XXXX, I noticed a creditor by the name of AMERASSIST had placed a collection account on my credit report and I was not aware of who they were. I never received any written notification from the collection agency prior to them placing this information on my credit report.

Amerassist was reporting the following information on my credit report ; AMERASSIST, Balance : {$1700.00} The law states that AMERASSIST was to contact me 5 days prior to placing the information on my credit report or at least 5 days after and they did neither. Once I was made aware of the debt by viewing it on my credit report, my ( first CERTIFIED " Request for Validation '' went out to them on XX/XX/XXXX asking them to verify the debt by providing me the following ; 1. Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect. 
2. Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor. 
3. Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes. 
4. Amount you paid for said debt 5. Date of last activity/payment 6. *Provide copy of HIPAA authorization furnished by the original creditor AS OF TODAY, THEY HAVE NOT PROVIDED ME WITH COPIED OF ANY OF THE ITEMS REQUESTED ABOVE. 

Also, The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; Debt collector 's name and mailing address ; Consumer 's name and mailing address ; If the debt collector is collecting a debt related to a consumer ( financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; information about consumer protections ; ) Consumer-response information ; and Consumer dispute prompts AS OF TODAY, THEY HAVE NOT PROVIDED ME WITH COPIED OF ANY OF THE ITEMS REQUESTED ABOVE. 

PLEASE NOTE THAT AMERASSIST IS IN CURRENT VIOLATION OF SEVERAL LAWS.
Product: Credit card

Received phone call from XXXX XXXX, fl. Someone phishing for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. These are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any accunts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX CT XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint against Optum Bank for repeated mishandling of funds in my XXXX XXXXXXXX XXXX ( XXXX ). The issue has persisted for about a year and remains unresolved despite numerous attempts on my part to address it with the company. 

Through my employer, I have an XXXX account with Optum Bank. The account includes two distinct funds : one allocated for medical and health expenses, and another designated for transit expenses. Both accounts are linked to a single debit card, which I use for transactions corresponding to their respective purposes. 

Over the past several months, I have encountered a recurring issue where the majority of my medical expenses are incorrectly charged to my transit account instead of my health account. This has led to a rapid depletion of my transit funds, leaving me unable to use the card for transit-related expenses as intended. 

I have contacted Optum Bank numerous times to request that the charges be corrected and the funds properly reallocated between the two accounts. While there have been instances where they reallocated the funds as requested, the issue continues to occur. At this point, I have lost track of the transactions and am concerned that my funds may not be accurately accounted for.

The repeated errors, combined with Optum Bank 's failure to provide a permanent resolution, have left me with little confidence in their ability to manage my accounts appropriately. I fear that their mishandling of my funds has resulted in financial losses, and their inability to address these errors is causing ongoing inconvenience and frustration. 

I am seeking the Consumer Financial Protection Bureau 's assistance in holding Optum Bank accountable for these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX  Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX  : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a Bankruptcy and other Information on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report and have a list of the Information that I upload and I highlight all the Misleading False Reporting Experian have Violated all these laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Under 15 U.S. Code 1681b Permissible purposes of consumer reports Under 15 U.S. Code 1681a ( 2 ) B ) Exclusions from a consumer Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXXXXXX XXXX  - Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXX XXXX -Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXX XXXX XXXXXXXX - Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.
Product: Debt collection

Debt was sold to a 3rd Party company, Midland Credit Acceptance - debt was paid and still reflecting as a charge off looking as though a balance is still owed company never informed me I could dispute the charges so I ended up paying and no attempts had been made to remove this from my credit report instead it looks like a charge off and no balance have been paid.
Product: Checking or savings account

Roth IRA CD Account. Under COVID regulations, allowed to withdraw and roll into Roth IRA without penalty. Verified orally on the phone there would be no penalty or fee. Incorrectly charged {$50.00} penalty for early withdrawal. Also charged a {$25.00} fee. Occurred in XX/XX/. Have called multiple times and visited XXXX branches over last 2 years. Each time told a ticket has been opened and there would be follow up. No resolution, no follow up.
Product: Credit reporting or other personal consumer reports

I was shocked to discover unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I checked my report as usual, but this time there were unexpected discrepancies. I even refreshed the page, hoping it was just a glitch, but the unauthorized inquiries remained. Im asking for a thorough review of the documents I've provided so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and falseinformation consists ocredit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX, TN XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is an incorrect address- please delete immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX, TN XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- This is an incorrect address - please delete immediately. 


XXXX XXXX XXXX XXXX, TN XXXX- This is an incorrect address - please delete immediately. 

XXXX XXXX - This is incorrect- Please Delete immediately. 

XXXX XXXX  - This is incorrect- Please Delete immediately. 


( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately. 

( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately. 

( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately. 

( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately. 

( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately. 

( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately. 

( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately. 

( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately. 

( XXXX ) XXXX - This is not my phone XXXX- Please Delete from my Immediately.
Product: Checking or savings account

On the evening of XX/XX/2023 I made an ATM withdrawal using my Bank of America debit card on a XXXX XXXX  ATM in XXXX XXXX  XXXX. 

The amount was for {$260.00} with a {$9.00} fee. 

No cash or a receipt was given from the ATM. The store attached to the ATM was closed and I called the number listed on the ATM for if there was an issue, which directed me to BoAs help line which was closed due to after hours. 

I submitted a claim the next day on XX/XX/2023 on BoAs online portal. This claim was denied on XX/XX/2023. I've attached the denial letter which claims that the transaction was successful. This letter is strange as it includes XXXX  ATM transactions from the other people too which seems like a privacy concern. 

I called Bank of America today ( XX/XX/2023 ) to have them explain why the claim was denied. I had them re-open the claim to get more information from XXXX. I was told this can take anywhere from another XXXX days. In the meantime my temporary credit was removed when the claim was first denied and was not brought back when I re-opened the claim. 

I called the ATM operator as well ( XXXX ) who told me they can not help me at all with providing more information. 

It's very frustrating to have a claim ( my first ) denied that could be solved with a ATM audit that was not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsely reporting information on my credit report. I've sent the company copies of my FTC Report along with my police report and other supporting documents showing my identity has been stolen. They are refusing to block and or delete those items and thats a violation. XXXXXXXX XXXX XXXX  XXXX DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX XXXX XXXX It also shows all of the inquiries on the report that needs to be removed immediately. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i,, I requesting that the item ( s ) be removed and or blocked to correct the information. I've called them several times on 12/12/2022 with no assistance with the identity theft matter. They told me they weren't going to block and or remove the accounts.