23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I formally disputed a debt with TekCollect, which was originally from XXXX ( XXXX ) and transferred from XXXX XXXX XXXX ( XXXX ). Despite my dispute, TekCollect has continued to demand payment without properly validating the debt, violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ). 

Background : I signed a contract with XXXX on XX/XX/XXXX, for clear aligner treatment. In XX/XX/XXXX, XXXX went bankrupt and shut down, leaving many customers without full treatment completion, refinements, or follow-ups. 
Debt Dispute : I disputed the debt because XXXX failed to fulfill its contractual obligations, meaning I should not be liable for continued payments. 
TekCollects Actions : Despite my formal dispute, TekCollect continues to send emails requesting payment without providing proper validation, which is legally required before further collection attempts. 

Requested Resolution : I am requesting that TekCollect cease collection efforts and provide written confirmation that this debt is invalid due to XXXX contractual failure. If they claim the debt is valid, they must provide a detailed, itemized statement of charges and proof that TekCollect has the legal right to collect. 
TekCollects failure to validate the debt while continuing collection attempts violates FDCPA protections. I am requesting CFPB intervention to stop further collection attempts and ensure compliance with federal consumer protection laws.
Product: Student loan

I am co signed on my daughters student loan through Discover its been at least 10 years loan was XXXX and she still owes over XXXX this is stealing she is a mother of two and its very hard to make ends meet even with a college degree and this is just not right! In XXXX the interest rate is going up again so it will be well over 15 % if not higher! She has made 120 payments to still owe over XXXX! This is not fair and something needs done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason. XXXX XXXX states they sold it, but the company listed said they dont have this reporting and that it is in fact XXXX XXXX which is what is being furnished.
Product: Money transfer, virtual currency, or money service

I tried linking and transferring money from my Pnc account to my other online banking account and Pnc doesnt allowing account to link. Ive had problems previously
Product: Debt collection

I received a call from a gentleman named XXXX XXXX claiming to represent XXXX  XXXX for a loan I took out 4 years ago. I told him I believed I paid back any loans I had and I did not remember this loan. He had my name, last 4 of my social and my bank account information. He told me to look thru my records and call him back. When I XXXX  his number, I discovered that it belonged to a XXXX year old woman in Illinois. I assumed it was a fake call since he never disclosed the name of his collection agency. After the holiday he began calling my work non stop. I called him back and asked him to call my cell phone. I then asked for written documentation of the debt. He emailed a XXXX   document. It was basically an acknowledgement for me to sign agreeing to the debt. When I called him back, I asked for a copy of the loan contract and application. He began yelling at me. He said he didnt have it but he didnt need it. They were going to sue me for thousands of dollars and I was going to regret acting so dishonorably. He mentioned that I just bought a house and he knew I had the money. The XXXX  document has since been deleted. I dont know what collection agency he represents, and I dont have documents to show I signed a contract for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK XXXX XXXX XXXX XXXX, 2014 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

I entered into an agreement to pay past due ballance. Was given an option to pay minimum, or give additional amounts. I have sent additional payments, and requested by phone a monthly statement showing ballance due, with payments applied. I have sent in total 10 payments, and one large check in the amount of XXXX. This company rrefuses to send me any acknoledgement of recieved payments, along with new ballance. Also, this was a home equiety line of credit subject to a tax deduction. Company never sent my interest paid statement for the year 2021.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding my request to opt out of credit reporting in accordance with 15 USC 6802, which outlines the following : ( a ) Notice Requirements : A financial institution is prohibited from disclosing nonpublic personal information to any nonaffiliated third party unless a compliant notice has been provided to the consumer as per section XXXX of this title. 

( b ) XXXX XXXX : A financial institution may not disclose nonpublic personal information to nonaffiliated third parties unless : The institution clearly discloses in writing ( or electronically, as allowed by section XXXX ) that such information may be shared. 
The consumer is provided the opportunity, prior to any disclosure, to opt out of such sharing. 
The consumer is provided clear instructions on how to exercise this option. 
In compliance with these legal provisions, I sent a formal letter exercising my right to opt out of credit reporting. However, in response to my previous complaint, Amazon falsely asserted that I do not have the legal right to protect my credit from their reporting practices. 

In addition to my opt-out request, I also revoked all security agreements and revoked the power of attorney that had been granted to Amazon, both in writing. Despite this, Amazon 's response was misleading and included the following false statement : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. There is no option to opt out of credit reporting. 

This claim is factually inaccurate and misrepresents my legal rights under the applicable federal statutes. I have enclosed a letter from XXXX XXXX, which I believe constitutes fraudulent misrepresentation, breach of contract, and breach of fiduciary duty. I respectfully suggest that this matter be referred to the Department of Justice for further investigation.
Product: Credit reporting or other personal consumer reports

I have not received disclosures of opting out of reporting to the agencies and it is negative impacting my opportunities. I requested to opt out a over a month ago and the transactional history with XXXX XXXX is still reporting to the agencies. They indicated they are not affiliated with them and they have been reporting my nonpublic personal information to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint and no other third party is involved. I have received results back from the credit reporting agency Transunion and the account came back as verified. I'm demanding to see documentary evidence showing how the account was " verified ''. Show me a copy of the documents used to verify the account. The law requires the credit reporting agency to verify information not the creditor. The verification process can not be done backwards. A representative by the name of XXXX XXXX stated the way they verified the account is through the alleged creditor. Section 609 of the FCRA requires the credit reporting agency to send a copy of the documents used to verify the account and the FCRA states they are required to delete all unverified items. If you donot have documents to verify the account that means you did not verify the account and the account MUST be deleted. Transunion is also in violation of the Fair Debt Collections Practices Act. I have not given direct written consent to report any alleged accounts on my consumer report. To do so means you have infringed upon my consumer right to privacy pursuant 15 usc 1692a. Anyone else sending inaccurate information is being false, deceptive, and misleading pursuant 15 usc 1692e.
Product: Credit reporting or other personal consumer reports

I have hard inquries on my account I do not recognize. I have already contacted the banks with the inquiries and they do not have my personal information. I would like these deleted. 

Hard Inquries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have an account TD Financing which I used to purchase a television. They have recently switched websites to which I can make payments but I have been unsuccessful in logging in. I called two weeks ago about this problem and they couldnt figure out why what was going on with my account. They stated that my card was reported lost/stolen which I did not do. They advised to call back in a couple weeks but I have been unsuccessful in reaching anyone yo help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

today,XXXXXXXXXXXX I tried to unfreeze my credit report with Transunion and they required a pin that i do not know. i called and answered every question but they will ONLY mail it, which i told the rep is more risky than him unlocking it and that I had a professional Licence i had to update with an updated credit report and needed it unlocked today, no matter what i ask for they would only mail. XXXX  requires a pin but they allowed me to answer a series of questions from my report and unlocked it, Transunion is always problems, every year when i try to get my annual report Transunion always crashes online, the other 2 do not. they are NOT customer service and it 's my report not theirs. 
the reason i locked up my reports was because of the XXXX breach,
Product: Debt collection

*******URGENT******* I called the XXXX XXXX XXXX office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.
Product: Debt collection

I was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, United States about a Personal Loan Account with USAA Savings Bank - located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX in the amount of {$3200.00}. 

There were repeated calls from a number that was not identifiable, and I finally called back. I spoke with an XXXX XXXX, who identified herself as being with XXXX XXXX XXXX - calling in regards to my USAA account - she wanted me to give her personal information. When I would only provide the year of my birth- she wouldnt divulge any further information. She wanted my home address in " XXXX, XXXX " This is in direct violation of the USAA contract. At no times can an Agent of USAA give XXXX portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social Security Number. By providing me the City in which I live, the agent violated my rights as a proud member of the USAA family. I confirmed these rights as soon as I hung up with XXXX XXXX with a member of the USAA Staff and asked him to document my file accordingly. 

I have fallen into very difficult times- which USAA is keenly aware, as I have multiple accounts with them. In addition, I was a collection manager for over 30 years, and am very aware of the FDCPA, and of the privacy laws that the industry is governed by. Just because XXXX XXXX has loosened THEIR standards, it does not change the fact that my rights were violated, and USAA 's policies were not administered correctly by the agent. 

I am very seriously considering taking legal action at this point with my attorney, as this can not possibly be a random act by either this agent- or the company. I strongly suggest that USAA request every call from this agent for call monitoring, and from the group that handles these accounts as well - as management must have grown lax for such a privacy breach like this to occur. 

I am open to negotiating a settlement of this matter before legal action takes place - either USAA or a member XXXX XXXX management or legal team can contact me in writing at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or by phone at XXXX XXXX you must leave a message please, or call form a published number that identifies you - i will not answer blocked or private numbers.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

How is it possible that the DATE OF LAST ACTIVITY on XXXX reports XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX   XX/XX/XXXX. That's months, and year apart!!! There is no way that the same company/bank would send totally different data to the credit reporting agencies.
Product: Debt collection

In 2017, Collection Bureau of Kansas unlawfully created an alleged collection account as a result of an unlawful county court matter. Though this account is legally uncollectable, it still remains open, with the most immediate remedy to pay the debt. This affiant has attempted to make payment to release the matter from the XXXX XXXX Kansas District Court, so that a notice of compliance could be granted by the court. Debt collector XXXX XXXX was contacted by my financial and legal advisor via email to make an amicable settlement to pay off the alleged debt, however XXXX immediately became hostile, unprofessional and accusatory toward my advisor stating he misrepresented himself as an attorney. My adviser instructed me to make direct contact with XXXX, who has refused to respond in any form. This affiant then attempted to make contact with principal attorney and owner of the agency XXXX XXXX, who also has chosen not to respond to arrange a settlement. On information and belief, XXXX and XXXX are retaliating to prevent a successful payoff to restore Affiant 's motor vehicle record through the court. Affiant believes this is deliberate and intentional to prevent remedy. Affiant is preparing a civil suit agains Collection Bureau of Kansas to compel them to comply or have declared by the court null and void. Affiant is making this complaint to force compliance.
Product: Checking or savings account

First of all, I would like to say thank you to the CFPB. They have helped me twice over the past few years with XXXXXXXX XXXX  and XXXX. This complaint is about Fifth Third bank. I will try to make this as brief and to the point as I can. First complaint is on XX/XX/22 I went out of my way to get a cashiers check from my XXXX XXXX XXXX  to deposit into my new 5/3 account for XXXX. Mind you my account is and was in good standing and there was no reason for any extended hold to be placed on a cashiers check. I was told by the rep at the branch on XXXX XXXX. in XXXX NC there would be no hold placed on the check since my account is in good standing, it's a cashiers check, and I have enough in the acct already to cover the check. The next day I find there was an extended hold placed on the check and no one can tell me why it happened or when the funds would be available. We give our hard earned savings to banks because we look to trust them and that our money will be safe. When depositing money and hearing that I can not get the check back nor do they have any idea why the hold was placed nor know when it will be released it makes you not trust the bank anymore and that is why I am here writing this. My second complaint is that on XX/XX/22 when logging in online to see if the check cleared like it was supposed to, it did not allow me to log in and said to call the main customer service number. Doing so multiple times I was never able to get through to anyone. I also just brought my elderly mother in to open a new savings and checking last week and feel like a fool now for doing so.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with the CFPB about experian not supplying me with the proper documentation that I have requested. I have sent 6 requests now for all PHYSICAL documentation proving that the debts on my credit are mine and experian has blatantly declined to send me anything. FCRA 609 ( a ) ( 1 ) reads and I quote '' Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ),  clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request ''. I will attach documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX  data breach CONVERGENTOUTSOURCI Acct # XXXX {$1400.00} is not my account
Product: Credit card or prepaid card

In XXXX of this year I had my social security money deposited into Chime an online bank. When the money was posted tomy account t was almost immediately taken along with the 4 dollars i had in the account..I immediately called Chime customer service and tried to get them to stop the transaction they refused. total amount taken was XXXX  all the money i had to live on. I filed a dispute with them after waiting almost 90 days the told me the transaction was legitimate and they weren't going to return anything. I.ve tried everything to get them to reverse this rediculous decision to no avail. i have filed a police report I have contacted the Federal Trade Commission and the Social Security Administration about this matter. I asked Chime to send me all the documents they usaed to come to this conclusion the only thing I received was a statement of the activity on the account. I don't see anything that pretains to any sort of investigation. this has caused me tremendous financial hardship
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.