23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX National Credit Adjusters XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Debt Verification Request Due to XXXX XXXX XXXX To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
XXXX. The specific amount of the debt and a breakdown of charges. 
XXXX. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Debt collection

I had internet service with XXXX XXXX at my residence located in XXXX, NH. I cancelled the services on XX/XX/XXXX of XXXX  and moved to XXXX XXXX, TX. XXXX  then decided to bill me {$94.00} for the month of XXXX, for a service that I had already cancelled at an address that I no longer even lived at. I called my bank ( XXXX XXXX ) to dispute the charge on my card, and they said they would contact XXXX  and handle it for me. I filed the dispute with XXXX XXXX on XX/XX/XXXXXXXX  and the dispute was resolved ( and the charge refunded ) on XX/XX/XXXX. 
Sometime around XXXX of XXXX  ( can't find exact dates ) I started to received collections letters from XXXX XXXX XXXX regarding unpaid debt to XXXX. i told disputed the claim with them, and it was dropped. Then in the summer of XXXX, Amsher purchased this bogus debt and tried to collect. I disputed it with them as well, and they took it to the credit bureaus. I've already started disputes with XXXX, XXXX, and XXXX. They recommended reaching out to your organization to stop XXXX  from doing this further. Due to their fraudulent charges, my credit score has gone from over XXXX a year ago to just a XXXX. This is pretty nefarious.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm filing a complaint against Equifax because on XX/XX/XXXX, I disputed 3 fraudulent inquiries that were on my credit report. The 3 inquiries were for the following companies : XXXX. XXXX / XXXX on XX/XX/XXXX 2. XXXX XXXX  / XXXX on XX/XX/XXXX 3. XXXX - XXXX XXXX on XX/XX/XXXX. XXXX / XXXX and XXXX - XXXX  were deleted, but the XXXX XXXX  inquiry remains. 

On XX/XX/XXXX, Equifax sent me a confirmation letter, with confirmation number XXXX, stating that all 3 disputed inquiries were deleted from my credit report. However, it's been nearly 4 months, and Equifax has NOT deleted the fraudulent inquiry from XXXX XXXX. I called them several times asking why the inquiry hasn't been deleted, and I'm always told to give it 30+ days for it to come off, as it shows in their system as being off of my report. The last time I called Equifax about this issue was on XX/XX/XXXX, and spoke with a representative who assured me that, this time, the inquiry would be removed, for sure, and gave me the confirmation number : XXXX. However, it's been 35 days and this inquiry still remains on my credit report. 

I want this fraudulent inquiry to be removed from my credit report, immediately!
Product: Money transfer, virtual currency, or money service

The scammer obtained access to an email account owned and run by the construction company that I hired for my business. The scammer continued an email chain that was originally started by the actual XXXX XXXX from XXXX XXXX. The initial email was an invoice for {$89000.00}. I said I'd send a check. The scammer then replied from the real email address of XXXX with wire instructions for an account that we now know is actually not affiliated with XXXX XXXX. I sent the wire on XX/XX/XXXX and today, XX/XX/XXXX, XXXX XXXX reached out to tell me that they had not yet received my check. That led to us discovering that his email account had been " hacked ''. 

My bank, XXXX XXXX Bank XXXX Arkansas ), wired the money to Wells Fargo Bank.
Product: Money transfer, virtual currency, or money service

Cash app said I owed them XXXX XXXX dollars I paid them the money and then the said due to privacy polices I could no longer used their services but didn't explain to me what policies I broke
Product: Credit reporting

TRANSUNION HAS VERIED INACCURATE AND INCOMPLETE INFORMATION MANY TIMES. 
XXXX DEFRAUDS ME.THE XXXX BALANCE VIOLATES THE XX/XX/XXXX CREDIT CARD ACT FOR DELINQUENT OR DEFAULTED ACCOUNTS. 
THEY HAVE NO BALANCE HISTORY FOR XX/XX/XXXX TO HIDE THIS FROM SIGHT. 
THEY DO NOT REPORT THE SCHEDULED PYMT OR MIN. PYMT PAID ON XXXX/XXXX/XXXX BECAUSE THE ACT used it as an index for fees and charges.With a balance history from XX/XX/XXXX to XX/XX/XXXX showing the increase in balance from less than XXXX to XXXX their crime would be discernable. 
INNACURATE BALANCE, CHARGEOFF AMOUNT, HIGH BAL.ORIG. CHARGEOFF, PAST DUE INCOMPLETE : NO SCHEDULED MIN. PYMT NO, ACTUAL MIN. PYMT, BALANCE HISTORY MISSING ALL OF XX/XX/XXXX, PAYMENT HISTORY MISSING XX/XX/XXXX YEAR, NO CHARGEOFF DATE, NO BALANCE ON XXXX/XXXX/XXXX AND ON GOING TILL C/O
Product: Debt collection

Hyundai Motor XXXX  Finance did not completely explain into detail the terms of the lease agreement. When the lease was at expiration date, the vehicle was handed in. Though I did not agree to follow up on another lease there was no issue when it came to the amount of miles agreed on the three year lease. There was nothing mentioned to me about any type of fee afterwards. A couple of weeks later I was notified by mail that I had an amount that was in collections in regards to the lease. I had made all my payments on time every month. I found it odd that collections was reaching out to me. Overall I call Hyundai and they mentioned that this was a fee. I care very much about my credit history, I made that payment to collections as soon as I could. If this could please be taken out out of my credit history, since this was all miscommunication in part of Hyundai 's employees when the vehicle was handed in. No-one mentioned anything about a fee, to be mailed to me.
Product: Student loan

I want Full Validation on my student loans. I want to know how much is owed, where was the money applied to and why are there extra charges added.
Product: Debt collection

Received call from unknown debt collection agency on Wednesday XX/XX/XXXX at around XXXX XXXX  saying they are attorneys and going to take me to court for wage garnishment for account 6 years old. Employee was rude and unprofessional. Employee used abusive and threatening language.
Product: Debt collection

To CFPB, My name is XXXX XXXX and I am following up on a complaint I requested about Midwest Recovery Systems ( MRS ), using fraud to put a collections account on my credit history. They do n't follow the FCRA law and the correct steps and procedures in the FCRA. They are saying this is from a pay day loan from XXXX in 2012. I have never applied or taken a payday loan in my life. I have also never been contacted by anyone regarding this account ever. I do not believe XXXX is even in business anymore. I want this immediately deleted off my credit report with all the XXXX major Credit Bureaus : It never should have been reported in the first place before having the chance to dispute it within the 30 legal days. I want proof of debt by providing the following : a ) proof of I.D provided at the time of account opening. b ) copy of signed contract ( not a signed application but signed contract ) c ) itemized statements of account activity.d ) itemized breakdown of how you came up with the balance owed. If this company should not resolve this in a timely manner, 30 days, I will pursue legal action as I take my credit very seriously. Only after immediate delete of the XXXX credit bureau and proof of valid debit I may be willing to discuss a resolution on this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

Two fraudulent charges showed up on my Bank of America credit card account in late XX/XX/2022. 
1 ) {$60.00} on XX/XX/2022, XXXX XXXX XXXX ) {$420.00} on XX/XX/2022, XXXX XXXX XXXX XXXX I notified Bank of America immediately. The bank issued me a new card and provided temporary credits on XX/XX/2022 and XX/XX/2022. 
The bank did not make any statements regarding filing a police report or contacting the vendor at that time. 
On XX/XX/2022, the bank put the charges back on my credit card. I called to ask why on XX/XX/2022. After being on hold for over 40 minutes, they said the fraud claim was denied. I was told that they can reopen the claim and temporary credits will be provided in two business days. But I need to contact the vendors to assist in the fraud investigation. 
On XX/XX/2022, no credit was given. After calling the bank again, I was told that the bank will not provide temporary credits anymore and they provided me with inaccurate information previously. I told the bank that we went to XXXX XXXX XXXX XXXX store and they can not help us much. After calling XXXX XXXX XXXX XXXX, I was told that the transaction was a store pickup and that the email on the transaction was not my personal email. However, I must file a police report regarding fraudulent charges as the vendors can only provide detailed information to law enforcement. 
I filed a police report and provided the police report number to the Bank of America fraud department. Even after all that, Bank of America still will not provide temporary credits to my account when the fraudulent charges are being investigated. 
As a matter of law, consumers should not be held accountable for fraudulent charges. The current business practices of Bank of America, in essence, are shifting the financial burden of fraudulent charges back to the consumer. This practice is immoral, if not illegal.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently noticed on my XXXX  Report As Of : XX/XX/2019 that there are several negative items and inaccuracies due to Identity Fraud. This information has been disputed several times and it continues to stay on my report and ruin my credit. The following are all the accounts i suspect have been exposed to identity fraud, due to charges I have no knowledge of. 

XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX XXXX   XXXX - Acct # XXXXxxxx XXXX XXXX XXXX XXXX - Acct # XXXXxxxx XXXX XXXX - Acct # XXXXxxxx
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

My wife signed a check over to me at Chase Bank ( this money was from a court settlement for context ), we of course did this in person however they need to verify that I am authorized to use the money signed over through the phone. For some reason they wont verify in person and demand we verify through a phone call. Her name isnt on the phone number she is currently using and its been around XXXX months with her name still not on it, we have done everything we can on that end, we are unsure when her name will be on the phone number. They also made it to where I cant access my account information through the app, locking me out of the app which is very fishy. The app was working just fine while the check was depositing until they couldnt verify that Im allowed to use the check and locked me out of the app. They said they will withhold the money for XXXX years and then send it to the government, thus losing money with no possibility of getting it back. This is extremely fishy, even under whatever policies they have. This seems like a bank running a scam on me and my wife with money that was, again from a court settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX amount {$1100.00} XX/XX/XXXX amount {$3600.00} XX/XX/XXXX amount {$1800.00} I have disputed these items with Experian a number of times I've also called the Dept of XXXX  as well.
Product: Credit card or prepaid card

When I signed up for this card, it was to be double your credit limit which was {$1000.00} and should have been raised to {$2000.00}. I was told this would happen in spite of the confusion when the account was first opened. I made XXXX calls in the last couple of months and was told the increase would take place today, XX/XX/XXXX. I made another call to another young lade today who advised that I had to request the increase by visiting this site : XXXX. I was granted a {$300.00} increase. What happened to the original offer? I fee Continental FinanceXXXX should honor the original offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting late payments for 2017 on my Iowa Student Loan despite the loan being subject to a forbearance at that time and the servicer who handled the account going out of business. I filed a dispute by mail because Experian would not allow me to submit one online after having already disputed it previously. Nevertheless, Experian maintained the inaccurate 2017 payment information. Specifically, the account was serviced by a now defunct servicer that had granted me an income contingent repayment schedule. The annual renewal came due after the servicer concluded all business operations. I was finally able to locate the new servicer by contacting the US Department of Education. When I located them I applied for a new contingent repayment plan contemporaneously with a forbearance for the months the account was in limbo, as advised. Although approved, late payment history was reported to my credit history anyway. This is an outrage.
Product: Debt collection

I reached out to Equifax company because they didn't provided any of the documents that I requested to show any of the accounts were verified. They also sent me back information listing an address that is not mine, that I included in my initial police report of identity theft. They claimed that they verified this information.
Product: Credit reporting or other personal consumer reports

YOU HAVE NO MORE TIME TO FIX THE ISSUE : XXXX Discover Bank Delete the account. OR provide me with the 1099, point of contact and how they verified the information even though it's not the same on all reports and how doing that can be considered accurate, as well as a notarized letter stating the CEO/CFO is aware of the issue and the debt is NOT already paid, been in collections, a tax write off or in que to be, and a pay to delete is not and has not been an option even though I should had been told it was. 

Law 15 usc 1681 Treatment of inaccurate/verifable info 5A : 3a.Factual dispute : date of last activity, factual dispute : pmt Factual disputes inaccuracies : 1 reaging the account is illegal ( you did that ) 2 Misrepresentation of the account status ( Not unanimous ) 3 Not reflecting a 0 after sold/trans/paid ( its a charge off ) 4 Inconsistent balance across 3 bueros 5 DAte of first delquincy illegally changed ( switched when updated after I reported the account then changed back after it was " verified '' ) 6 Changes after 180 days charge off status ( you are still showing it as CO but there should be 0 updates on a closed account let alone a Charged off account.

This has took more than 30 days and I have the right to get it removed.

Attached is certifed mail from the company not responding to my request and you guys allowing it.

Another violation : THE DOCTRINE ENGELHARDT ( MO ) 281 SW 715./13.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT.

send gifOMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION PROORT Y IFORMAAIPMPER 15 USC 160468
Product: Debt collection

I have 3 accounts with XXXX XXXX. I am a patient there. I was not notified of the outstanding balance and when I would have an appointment and ask if I have a balance I am told no there is not a balance. Recently, I applied for a home loan and was made aware of the medical debt. I paid it immediately. I contacted XXXX to ask why was I not notified and asked why was it sent to collections when they did not validate the debt. I was sent to the billing office and told basically there was nothing they could do to correct the issue because it had been sent to collections. I advised that I had paid the balance with MediCredit and XXXX XXXX XXXX. They said they no longer report to MediCredit so they did not send the debt there. I have the receipt where I paid MediCredit. I feel that XXXX and MediCredit are not communicating with each other and it is negatively affecting my credit. I would like for XXXX or Medicredit to take responsibility for not notifying me before this was reported to the credit bureau allowing me the opportunity to pay it. This is abusive practices on behalf of the collection agency and negligent behavior on behalf of the creditor.
Product: Debt collection

I am writing to file a formal complaint against [ Weltman , Weinberg & Reis CO., LPA ] regarding their unlawful debt collection practices. I believe that their actions have violated several provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) and request your assistance in addressing this matter promptly. 

Details of the complaint : Harassment and Intimidation : [ Weltman , Weinberg & Reis Co LPA ] has engaged in continuous harassment and intimidation tactics while attempting to collect a debt from me. They have repeatedly contacted me via mail, emails, often using aggressive and demeaning language. These actions have caused undue stress and XXXX, infringing upon my rights as a consumer. 

Misrepresentation of Debt : [ Weltman , Weinberg & Reis Co LPA ] has provided inadequate and misleading information regarding the alleged debt they are attempting to collect. Despite requesting verification of the debt in writing, they have failed to provide any supporting documentation, making it impossible for me to assess the accuracy and legitimacy of the debt. Assess an unlawful judgment against me without providing me with said alleged debt as requested. 

Unauthorized Disclosures : [ Weltman , Weinberg & Reis Co LPA ] has disclosed information about the debt to unauthorized third parties, including my family members and colleagues. Such unauthorized disclosures have violated my privacy rights and potentially damaged my personal and professional relationships. 

Failure to Cease Communication : Despite my explicit request for [ Weltman , Weinberg & Reis Co LPA ] provide alleged debt as requested, they have now requested an unlawful judgement against me, didn't appear in court and sending false documents to my domicile, along with persistently disregarding my rights under the FDCPA. Their continuous harassment has caused significant distress and interfered with my daily life and obligations. 

I have attempted to resolve these issues directly with [ Weltman , Weinberg & Reis Co LPA ] but have not received a satisfactory response. Therefore, I kindly request your intervention to investigate this matter thoroughly and take appropriate action against the law firm for their unlawful debt collection practices. I also request that you impose any necessary penalties or sanctions on [ Weltman , Weinberg & Reis CO LPA ] to prevent further harm to me and other consumers. 

I am willing to provide any additional information or documentation required to assist in the investigation. 

I understand that the Consumer Financial Protection Bureau is committed to protecting consumers from unfair and deceptive practices, and I trust that my complaint will be treated with utmost importance. I kindly request regular updates on the progress of this investigation and the actions taken to resolve this matter. 

Thank you for your attention to this complaint. I look forward to a swift resolution and the enforcement of appropriate measures against [ Weltman , Weinberg & Reis Co LPA ]. 

Sincerely, [ XXXX XXXX ]