23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cease and desist ALL collection Activities. Account fraudulently opened in my name with MEDICREDIT is debt collectors Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. A debt collector does not have the right to communicate without a prior written consent period. FDCPA VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and multiple VIOLATIONS of FDCPA state and Federal laws, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud and GROSS MISREPRESENTATION. MEDICREDIT is attempting to collect a debt on the basis of fraud!

I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting.

2. Verification of your claim against me. A signed invoice or sworn affidavit. 
XXXX. A copy of the contract binding both partieXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. The wek ink signature of both parties. 

united states constitution article 1 section 10 Clause 1 Treaties, Coining Money, Impairing Contracts, etc. 
No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.

Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Close account and do not contact me again or I will file a lawsuit for fraud, FDCPA etc.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been the victim of identity theft resulting from a data breach. As a result, fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$8000.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my credit was pulled 4 times by the same company. I did not authorize this.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF ED XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXXXXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. 
Thank you for your attention to detail in this matter.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX
Product: Debt collection

I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans were not removed from report
Product: Mortgage

Wells Fargo has reported inaccurate information, late payments, to all 3 major credit card companies. 

The problem originated with Wells Fargo when they failed to notify me, via email, that on XX/XX/21 they deleted my mortgage auto-payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.
Product: Credit reporting or other personal consumer reports

Experian uses shady tactics with their subscriptions - if your card fails for whatever reason on the day of the monthly renewal, they lock your account out and you can't get back into it until you pay the next monthly payment. Once you do that, your monthly subscription does not start from the day you made the payment- it starts from your original renewal date... so you pay for a full month and you were locked out of using the account for 'x ' amount of days. This applies to cancelling the subscription as well - if your payment fails, you can't cancel your subscription until after you make a successful payment even though you aren't receiving any services. It's extremely shady and borderline fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit report is inaccurate. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a certified validation letter to Collection Bureau XXXX XXXX on XX/XX/2023. After 30 day no response! I sent a second certified validation letter on XX/XX/2023 it was return back to me. ( return to sender ). It been 50 days. NO RESPOND Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCT : # XXXX {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection XXXX XXXX in the amount of {$810.00} is not mine and showing on my credit report. I have contacted them several times and they have not complied. I even sent letters to all 3 credit Berueas and they too are not complying and they are not adhering to their timelines. I even have certified letters from all 3 bureaus not once but 2 times for this matter! The last certified mail was on XX/XX/2021 How many times must I send certified letters before I get a response? My original contact with the lender and the bereues was back in XXXX! 
I have asked to remove this erroneous item from my report. I want this taken off my credit report ASAP. This is not mine, and this is causing me issues in obtaining a mortgage.
Product: Vehicle loan or lease

My car loan has been paid off for 3 years and they have refused to give me my lien release. When I call the company they state they cant find my account but can see my loan is paid off. I have called 3 times and each time they state they cant find my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute is with Trans Union XXXX XXXX acct opened on XX/XX/XXXX was closed on XX/XX/XXXX by Trans Union but listed as closed by consumer. Pls list acct as it was before. 

XXXX cc open date and payment status isnt updated or correct. Opened XX/XX/XXXX and paid on time every month as agreed. Never late. 

XXXXXXXX XXXX XXXX  payment status isnt correct and start date isnt updated or correct. Started XX/XX/XXXX and paid on time every month as agreed. Never late
Product: Vehicle loan or lease

Company : Exeter Finance , LLC, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX On XX/XX/2022, I completed paying off the amount of a vehicle loan with Exeter Finance . By this date all the payments were paid and cleared with an Echeck through a financial institution. On XX/XX/2022 I printed a Payoff Quote from my Exeter Account Portal. The Payoff quote was {$0.00}. 
According to a statement on the Payoff Quote, Exeter will take 45 days after the account is paid in full to release the lien on my vehicle " ( or earlier as required by state law ). '' It is my understanding that Wisconsin Statute 342.22 allows a debtor to receive the lien release within 10 days if requested of the lien holder in writing. 
On XX/XX/2022 I submitted a written request to Exeter to release my lien within 10 days. I submitted the request on the Exeter secure message portal. I received a reply stating that I had to call Exeter. 
On XX/XX/2022, I mailed a written request to Exeter to release the lien within 10 days. As of today, XX/XX/2022 the document is in transit to the address listed above. 
On XX/XX/2022, I called Exeter Customer Service about the request I'd submitted on the secure message system. I was told that they would not accept the request I submitted on the secure message system because, " anyone could have submitted that request. '' After a lengthy conversation with the " management team '' I was told that they will consider the request when the mailed document is received. Although I quoted Statute 342.22 to them, they insisted that after my written request is received they will take 14 days to process the request, and another 10 days to release the lien. That is a total of 24 days, not the 10 days as I understand in the statute. All the funds have been deducted from the financial institution I used to complete the payoff. They have my money but refuse to acknowledge the Wisconsin Statute requirement.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were fraudulent inquiries made to my personal credit. I have sent in proof to the credit bureaus numerous times but they refused to have these removed. They are breaking the credit law and neglecting my requests. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! Names of the companies and dates of the inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I called XXXX too busy to take my call. Could not leave a message. Sent e-mail XXXX as of XXXX no response. Talk to agent on XXXX after 30 minutes on hold paid one time with debit card. I was told that I needed to call bank that you could not set me up on auto payment account number incorrect. Even though XXXX had the same account number for the last 2plus years. I called my bank they said the routing and account number are correct and there is no difference. I called back XXXX from XXXXXXXX XXXX to XXXXXXXX XXXX I was on hold. Paid by debit card again tracking # XXXX was told again that I am set up on auto payment starting XX/XX/XXXXXXXX XXXX XXXX XXXX. XXXX another hold time of 36 minutes. Agent so sorry going to write a ticket case # XXXX with everything thing that has happened XXXX said to give them 24-48 hours to response. It is now the XXXX and no response. I told the agent I am not paying for XXXX or a late fee and when I go on line it is trying to collect XXXX payment now which is not due until XXXX XXXX. I also asked for a copy of information that XXXX was sending by e-mail to the other department which I never received. I received two letters the same day one was a reminder to pay the other saying I had paid. Now I am receiving text message saying my payment did not go through plus automated voicemails telling me to call XXXX. I feel I have tried to resolve this issue in good faith. I am contacting the XXXX  and the Consumer protection Agency. The above information is what I e-mail XXXX on XXXX XXXX XXXX filed bankruptcy and Launch Servicing LLC can not figure out how to set up a auto payment and keep calling texting and now charing me a late fee.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP ! !!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit reporting or other personal consumer reports

this info on my credit report is not me please help me with this fraud I never had these accounts
Product: Credit card or prepaid card

I started a small business ( LLC ) in XXXX. At that time, I applied and was approved for an American Express Gold Business Card, with limited spending ( {$2000.00} ). When I applied, there was no verification requested besides having an EIN and a personal credit check. 
The American Express Gold Card has a ( {$250.00} ) annual fee. I have established a good credit relationship in the XXXX years of membership. 

I learned American Express offers other cards without an annual fee with XXXX percent interest for a period of time. I decided to apply for the American Express Business Blue Credit Card. I applied in XX/XX/XXXX and was denied claiming debt-to-ratio was too high. At that time I was in process of paying down my personal credit obligations and decided to reapply when the changes were reported to the credit bureaus. 

XX/XX/XXXX, I applied again for the American Express Blue Business Credit Card ( XXXX ) Reference # XXXX USD. This time, American Express requested that I submit bank statements. This was quite alarming as I had already established a relationship on the business and personal side. I am a holder of a XXXX XXXX American Express Credit Card that I have had for many years. 

I called and spoke with the credit department and was told American Express Business Card needs to look at my bank accounts to determine how much credit they could extend. This is the first ever a bank has requested bank statements from me for requesting a credit card. They did not request any bank statements when they granted me the Gold Credit Card. I have already established a credit-worthy relationship with them for many years both on the personal and business side. I did not request a business line of credit, if so then I could understand the request, but they should not be requesting bank statements from certain customers. These actions are clearly discriminatory and should not be allowed. I refuse to provide any bank with statements when requesting a Business Credit Card. American Express is utilizing discriminatory practices to deny Business Credit Cards to small minority business owners.
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts. I have no knowledge of these account. 

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to permanently remove the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three of the credit bureau, XXXX, Equifax and XXXX. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.
Product: Credit card or prepaid card

I'm still perplexed the way this account of capital one is reporting on my credit report. I've already spoke to the representative at Capital One and I've already went ahead and paid off this account in full and I don't understand why it's still showing charged off with a balance. The money has already been deducted from my bank account of over $ XXXX. 

Therefore, I am writing to dispute the information in my credit report that I received. This item Capital ONE, Account # XXXX is incorrectly reporting a current status of charged off with a balance of $ XXXX+. Again, this is inaccurate as this account was settled directly with them and paid off the entire balance that we agreed. I am requesting that the status be updated to reflect the account is now Paid as Agreed. '' or this tradeline completely deleted/removed. Please investigate this matter and correct the dispute item immediately.