23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against United Accounts , Inc. and XXXX XXXX. Lies for their inappropriate and potentially unlawful behavior related to the collection of an alleged debt. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and warrant investigation by your office. 

United Accounts , Inc. has engaged in false, deceptive, and misleading representations in connection with the collection of an alleged debt. Despite my repeated attempts to inform the agency that their claims are inaccurate, they have persisted in their unlawful collection efforts, and have threatened to use law enforcement against me if I continued to attempt to dispute the alleged debt. 

In a particularly concerning development, I received a text message from the phone number of XXXX XXXX. Lies, who is currently employed as a sheriff in XXXX XXXX. To my knowledge no party previously involved lives or operates in XXXX XXXX. In the message, the sheriff instructed me to contact the local police regarding the alleged debt, in a manner that suggested he was a XXXX police officer looking into the matter. I believe this communication was intended to intimidate and coerce me into paying the debt, despite my objections to its validity. 

The involvement of a currently employed law enforcement officer in the collection of an alleged debt, particularly when employing false or misleading representations, is deeply troubling and, I believe, in violation of the FDCPA. I respectfully request that your office investigate this matter and take appropriate action to address the misconduct of both United Accounts , Inc. and XXXX XXXX. Lies. 

The amount United Accounts Inc. is attempting to collect is {$110.00} text in question took place today XXXX Thank you for your attention to this matter, and I look forward to your response.
Product: Money transfer, virtual currency, or money service

I XXXX, XXXX XXXX XXXX Good Faith on behalf of XXXX XXXX XXXX /Principal I hereby instructed CFO ( XXXX XXXX ) of KEY BANK to apply Principals Balance to Principals Account each and every billing cycle for set-off ( complete performance ). 
Residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have Tendered the Payment for the ( Advance Rent ) that is being held at KEY BANK to be Transferred to the Principal Account making KEY BANK now subject to ( Non-Acceptance ) ( Breach Of Contract ) now forcing any cash payments that is made are ( under duress ). I also requested a Prompt Refund on ALL UNEARNED INTEREST once the account is corrected and performed. 
15 U.S.C 1615 I have not received a Letter in the mail or correspondence which is KEY BANK ClearLY Neglecting to perform there fiduciary duties causing more damages to Principal / XXXX XXXX XXXX. I am very Unhappy with the Management and Service KEY BANK is providing. 
XXXX XXXX Without Recourse Pay To The Order Of XXXX XXXX XXXX/ Principal XXXX, XXXX XXXX XXXX
Product: Student loan

I 've paid back my loan plus {$8000.00} interest. The variable rate has started and stayed at 8.5 % ( the highest rate ). I 've asked why it has n't changed at all and they said " it 's based on the market ''. What the XXXX is that supposed mean??? The market has been horrible and great in the last 9 years and it has n't changed at all. I feel like I 'm getting scammed. I 've paid back my loan with interest and I still have {$28000.00} to go. I initially started with a {$39000.00} loan. What can I do?
Product: Credit reporting or other personal consumer reports

I was applying for a credit card and it said I'd already applied with a different email address I don't know the email address so I don't know if my identities been stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to EXPERIAN, XXXX, AND XXXX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX have 30 days to respond to my dispute this is a VIOLATION of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

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

I have carefully reviewed my credit report in 3 BUREAUS. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze on my account because of fraud in XXXX of 2019. Any credit opened would require the company to call me to verify I requested any account. Last week XX/XX/XXXXXXXX placed a collection account on my credit report that I did not open. I disputed with transunion the Investigation resulted in the account being called accurate. This account is not my account. I never opened a account with XXXX XX/XX/XXXX ... I need the account deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by Equifax, XXXX, and XXXX. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX  XXXX, XXXX XXXX, and XXXX on my credit profile. 

Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the Equifax data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. 

I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. 

Thank you for your prompt assistance in this important matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> To : Experian Remove/update the following inaccuracies found on my credit report : XXXX remove due to inaccuracy in dates of last payment-Dispute Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 

XXXX remove due to inaccuracy in late payment dates-Dispute present/previous Account Status/Payment History Profile/Payment Rating. 

XXXX update for inaccurate information in the XXXX XXXX inaccurate information. 

XXXX stop reporting this account due to true identity fraud-Claims true identity fraud/account fraudulently opened. 

XXXX remove authorized user because I am not liable for account-Not liable for account ( i.e. account belongs to business ). 

XXXX remove due to inaccuracy in late payment dates-Dispute present/previous Account Status/Payment History Profile/Payment Rating. 

XXXX remove due to inaccuracy in dates of last payment-Dispute Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 


Send me a new credit report reflecting these changes. 


Thank you for your cooperation with these matters. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved. Copyright Notice 2024.
Product: Credit reporting, credit repair services, 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. 

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

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

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

Dear Equifax, I recently reviewed my credit report and noticed inaccurate information regarding account number XXXX This account was previously deleted from my credit report. However, upon my recent check, I found that it has reappeared and is currently being reported as a charge-off account. 

I kindly request that you investigate this matter and remove the incorrect information from my credit report. 

Thank you for your prompt attention to this matter.
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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX has violated my rights. 
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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have sent in the proper requested documentation to Equifax that they wanted. I have yet to hear back from them at all. I sent in this information to them certified mail and the date they received it was XX/XX/XXXX. This is severely damaging my ability to use my credit report to obtain the things I need to. 

I have called Equifax several times. When I log into my ( myequifax.com ) account, it shows an error " XXXX '' and asks me to call customer service. Well I have done this so many times with zero resolution. When I log into my account, it shows zero information. Zero accounts at all. I have over 40 creditors that report to my credit files for years now, and Equifax is refusing to fix this error and it's been 90 days now. The errors has apparrently been going on since XXXX of 2023. This is violating my consumer rights to view my credit reporting information and my XXXX score. No one else can view my Equifax info either. It is keeping me from getting loans. This has severely violated my consumer rights.
Product: Credit reporting or other personal consumer reports

List of accounts below has 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 - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights XXXX 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX 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 generallf, 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: Vehicle loan or lease

THIS IS NOT A DUPLICATE COMPLAINT!! CREDIT ACCEPTANCE CORPORATION HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY as pursuant to 15 usc 1611. Credit Acceptance Corporation has violated my federally protected consumer rights under 15 usc 1692 and 15 usc 1605 during a consumer credit transaction on XX/XX/XXXX for a used vehicle. I am the consumer and original creditor, and NATURAL PERSON i do not validate the alleged debt. As pursuant to 15 usc 1605a the finance charge should be the sum total of everything. In exhibit A there are three different charges, including a cash down payment. Which is also a violation of my federally protected consumer rights as pursuant to 15 usc 1605a, the finance charge doesn't include a type payable in a comparable cash transaction. Which is also clearly stated in Exhibit A, that the transaction was a consumer credit transaction. Yet there was a fraudulent loan that took place.I ask can CREDIT ACCEPTANCE CORPORATION define the term " Loan '' to me under the FDCPA? As pursuant to 15 usc 1692j a false and deceptive form was furnished in connection with alleged debt in the form of a contract, which CREDIT ACCEPTANCE CORPORATION claims is a " Loan ''. I have reached several times to correct this issue with Credit Acceptance Corporation, including asking for validation of debt and as pursuant to 15 usc 1692g Credit Acceptance Corporation has not done so. They have willingly and knowingly been non complaint and have damaged my reputation. Which is also a violation as pursuant to 15 usc 1692d ( 1 ) damaging my reputation. I have reached out to the CFPB and XXXX, Credit Acceptance Corporation has caused so much stress and pain mentally and emotionally in my life that enough is enough. Due to the attack on my reputation and inaccurate reporting, i am unable to provide for my family which is very devastating. Pursuant to 15 USC 1692c ( c ) I have notified CREDIT ACCEPTANCE CORPORATION in writing that I refuse to pay this alleged debt, and I am demanding that CREDIT ACCEPTANCE CORPORATION cease all forms of communication with me through any and all mediums. But CREDIT ACCEPTANCE CORPORATION still communicates with me indirectly about the alleged debt, through false information furnished on my consumer report which violates 15 usc 1692c ( c ). Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. Return all payments made on account as pursuant to 15 usc 1692h. Pay total cost of consumer credit transaction including down payment. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. I will also be mailing the copies of AFFIDAVIT, CEASE AND DESIST, DEBT VALIDATION, INVOICE to the Attorney General. These documents were also certified sent to Credit Acceptance Corporation XX/XX/XXXX.
Product: Debt collection

The debt is paid in settlement. XXXX XXXX  promise to report to credit bureau. Equifax has not updated the account for that creditors since XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as Navient XXXX These accounts were closed and charged off over 10 years ago and Navient is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact Navient and also disputed with the credit bureau ( XXXX ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX
Product: Credit reporting

Thet are reporting old address on my credit file that were never mine.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. 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 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: Debt collection

I dont know the debt they are speaking about and it has been disputed numerous times on my credit report they continue to use scare tactics and now have started calling my employer from what I can see the debt is over 7 years old and they cant and wont provide any information. I am currently working with a company to resolve these types of issues and now they have started to contact my employer.
Product: Debt collection

XXXX XXXX XXXX XXXX Credit Fresh are harassing me over a debt I do not owe. 
XXXX XXXX XXXX XXXX Credit Fresh is reporting a collection/charge-off account to all XXXX of my credit bureaus that is not mines. I have no signed contract or business dealings with XXXX XXXX XXXX XXXX Credit Fresh. Recently I received several harassing phone calls from XXXX XXXX XXXX threatening over this debt that is not mines. In addition XXXX XXXX XXXX proceeded to call and harass family members. I have never received any legally binding singed contract from XXXX XXXX XXXX XXXX Credit Fresh stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that XXXX XXXX XXXX XXXX Credit Fresh owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX XXXX Credit Fresh is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX XXXX Credit Fresh understands the importance of properly investigating my concern. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX XXXX XXXX XXXX Credit Fresh 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses. I have documented all of XXXX XXXX XXXX XXXX Credit Fresh 's violations to include : Calling me about a debt I do not owe, Left messages without idenitfying the company 's name, Left messages without disclosing that the call is from a debt collector, Called XXXX parties ( family ) even though the agency had my phone number, Disclosed to a XXXX party ( family ) that I owe a debt, Continued to contact me after I said to stop, Threatened me with legal action, Failed to remove this debt from my credit reports. I will continue to document all of my efforts until this is resolved.