23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts pursuing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days of this notice. 

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In reference to US Bank 's handling of a fraud dispute concerning my account, I am formally lodging a complaint against them. After learning that my card had been lost, I found fraudulent transactions on my account in XX/XX/year>2024. I reported the fraudulent transactions to US Bank right away, and I was given the assurance that the matter would be resolved. However, a customer service agent then informed me that the reason my claim for {$6000.00} compensation was denied was because I had not submitted a claim form. I was informed that my caseworker will be contacted to deliver a claim form after I stated that I had never received one. Regretfully, weeks went by and I never got the paperwork. When I followed up with US Bank over the phone, a separate agent informed me that there was no record of my earlier request for the claim form. I was told once more that I will be contacted by my caseworker. Even after several months, I have yet to hear back from anyone or get my matter resolved. Consequently, I have had tremendous financial difficulties, getting behind on my expenses and suffering from extreme stress, anxiety, and sadness. I am currently taking prescribed drugs bupropion, lorazepam because of the distress this experience has brought me. Although I had faith that US Bank would protect my money, their inability to adequately look into and support my fraud claim has caused me much XXXX. Serious questions concerning their ethics and customer service are raised by the reps ' poor communication and lack of assistance. It is my request that the XXXX look into this issue and assist in finding a solution. I would appreciate any assistance in recovering my lost funds and ensuring that US Bank adheres to ethical standards when handling fraud cases. Thank you for your time and attention to this matter
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Dispute FERPA Violation by Government XXXX  Loan Servicer I am writing to formally dispute an inaccurate item on my credit report regarding my XXXX loans. I have identified incorrect information related to my XXXX loans that must be investigated and corrected immediately. Specifically, the government XXXX loan servicer has violated my rights under the Family Educational Rights and Privacy Act ( FERPA ) by improperly disclosing or mishandling my educational records. Furthermore, during the XXXX XXXX, non-government employees were hired to review personal information, which further violated FERPA protections. 

Disputed Account Information : Creditor Name : XXXX Reason for Dispute : FERPA violation due to unauthorized disclosure or mishandling of my XXXX loan information by the government loan servicer, including the involvement of non-government employees who were inappropriately granted access to sensitive educational records. 

Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter and immediate corrective action, including the removal or correction of any inaccurate information resulting from this FERPA violation. 

Please provide a written response to my dispute within 30 days, as required by law, detailing the outcome of your investigation. If the disputed information is updated or deleted, I request that you send a corrected copy of my credit report. 

If you require any additional information to process my dispute, please contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX claiming that I owe them money.and I do not owe them I have asked them to validate that and they can not. I dont know who they are but they have appeared on my report for the last ten years. I need this incorrectly debt removed from all 3 of my reports
Product: Payday loan, title loan, or personal loan

This is my second time using cash central. When I paid off the first time they needed me to call them and have a  three  way conference with my bank to prove I paid. This time I called and emailed my verification 3 times and they will not approve my payment even after it was taken out of my account. I am not sure why they can not find out if I paid on there end. I think it is shady that they need to go through this strange process.
Product: Credit reporting or other personal consumer reports

There are late payments on this account ( XXXX XXXX XXXX XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was still found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance XXXX : {$3100.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I reported an error committed to my account by western union on XXXX XXXX, 2017. I have reported this to Georgia Department of Bank and Finance as well as the Federal Protection Department. They suggested I report to your department as well. It has been 8 days with no response from your company except for refunding my account XXXX. I have called and I have emailed with no response from your company I need help, I started a money transfer with western union. How ever I received an error message. That said it was not completed and to try again later. So I did try again later and it went thru. Western union how ever sent the money out of my account 2 times causing my account to go negative. I have been told by 8 different people that I am not going to get my money back because the bill payer is not releasing the funds. However Western union is responsible for their system sending it in the first place. Case number XXXX in the amount of {$200.00} please read the email below. I am getting the run around and I do n't have funds to cover all the cost. One supervisor told me that yes it was an error of western union and regardless of bill payer not releasing the funds that I would get my money back in my account before XXXX XXXX, 2017. They are giving me a run around that I am responsible for the transaction that their system gave error message. I have contacted western union 11 times and no one has told me a thing. XXXX XXXX, 2017 the money is not at XXXX XXXX either. XXXX has not received the money and neither have I
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the alleged debt referenced in the notice you sent me on [ date you received the debt notice ]. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of the debt you claim I owe.

This is a formal dispute notice. I do not recognize or accept responsibility for the debt in question, and I will not make any payments until proper and sufficient validation of this debt has been provided, as stipulated by the FDCPA.

In order to validate this debt, I am requesting the following, as required by law : Proof that you, as the collection agency, are legally authorized to collect this debt on my behalf. This includes a signed contract between you and the original creditor demonstrating that you have acquired the rights to collect this debt. 
A copy of the original contract demonstrating my responsibility for the debt. This copy must be signed by me and show the terms and conditions under which I allegedly incurred this debt. 
A detailed statement of the current balance of the debt, including the original amount owed, all additional charges added ( such as interest, penalties, or agency fees ), and any other adjustments made since the debt was transferred to you. 
The complete payment history associated with the debt, including dates and amounts of all payments made to date, as well as any adjustments made by the original creditor or by you. 
The name and address of the original creditor. This includes the full name of the original entity with which the debt was incurred, not just the current creditor who may have purchased or received the debt.

Proof that the statute of limitations has not expired. If the debt is old enough, it may be outside the legal timeframe for debt collection in my jurisdiction. Provide the exact date on which the debt originated and justify that it is still within the legal timeframe to be collected. 
While this debt is in dispute and has not been properly validated, I request that all collection activities against me cease in accordance with my rights under the FDCPA, and that no further collection actions be reported to credit reporting agencies until proper validation is provided. 
Furthermore, please be aware that any additional attempt to collect on this debt without proper validation will be considered a violation of the FDCPA, and I reserve the right to take legal action if the law is not followed. 
Please send me all requested information in writing to the address listed above. Also, be aware that this is an attempt to protect my rights, and any further communication related to this debt should be made in writing. 
Thank you for your attention to this matter. I expect your response and full validation of the debt within the legally required timeframe, which is 30 days from the date of this letter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been spending countless hours working on getting the issues corrected with " XXXX XXXX XXXX XXXX XXXX XXXX '' and will not stop till things are removed or fixed even contacting my Attorney, News outlets, XXXX  and FDIC if it takes this but first trying to get a resolution prior to these routes. I have explained many times in disputes but it seems that its ignored other than saying the dispute is finial and its determined that the information is correct. XXXX  has XXXX as Revoked D with over 359 complaints in the last 3 years with many issues the same as mine. 

Total XXXX by XXXX XXXX XXXX XXXX  issued me a card around XX/XX/XXXX XXXX of {$300.00}. I happen to fall on hard times upon getting and using the card leaving the card with it maxed and unable to make any payments. It and Date of First Delinquency XX/XX/XXXX and Charged-Off around XX/XX/XXXX and was sent to Collection around this time. I finally was able to pay the account in full to the collector XXXX XXXX XXXX XXXX XXXX in the amount of {$430.00} on XX/XX/XXXX Ref # XXXX. 
Equifax is reporting this as being Charged-Off XXXX XXXX and XXXX of XXXX, a Charge-Off should only occur once and that is XXXX of XXXX when it was Charged-Off. Also in the last Dispute Update its being reported that my " Date of Major Delinquency '' was XX/XX/XXXX ( yet Date of First was XX/XX/XXXX ) having Fico showing me late less than 60 days ago instead of 4 years ago when it went past due... 
I first ask that you as a courtesy remove this reporting from all 3 Credit Reporting Companies as I paid in Full the Debt with the Collector XX/XX/XXXX, If this is not an option please remove this false date for XXXX XX/XX/XXXX and Charge-Off XXXX as this is incorrect. 

This above info is hurting my Fico score and is the only negative reporting on my file with over 30 perfect accounts reported.
Product: Bank account or service

I recieved a check for {$550.00} dollars that was post dated XX/XX/2016. I deposited the check into a personal bank account on XX/XX/2016 with my bank, Commerce Bank . Funds were not available for the check when it was processed on XX/XX/2016. Commerce Bank proceeded to charge me {$10.00} for a returned check AND did not re-run the check. My account was never overdrawn and I was told that the check would be sent back to the originator by a Commerce employee on XX/XX/2016. It is improper for a bank to process a post dated check before the date on the check, charge an account holder for essentially doing nothing except mailing the check back to the originator, not re-posting the check on or after the date it was deposited and not communicating to me that the check would not be re-posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was stolen on XX/XX/2020 and I was forced to purchase a new vehicle. I worked with XXXX at XXXX XXXX and XXXX and advised her that I was trying to buy a new house and that I didnt want my credit shopped around for any reason. I gave her a letter from XXXX XXXX finance showing that I was approved for XXXX XXXX She verbalized an understanding and took my paperwork from XXXX XXXX to the finance specialist. She advised him and he told me she did and that he understood that I did not want my credit run and that he XXXX XXXX ran it accidentally to multiple banks without my permission on XX/XX/2020 and neglected to tell me because he thought it was no big deal. On XX/XX/2020 I returned to the store and met with him and he advised me he would remove the XXXX XXXX inquiry. He advised me to contest it and he would not confirm it and it would be removed. I did as he requested. I also advised him that I spoke to the other banks and they said they would remove it if the dealership sent them a letter and they verbalized they would assist me. they however have refused to assist and have given me the run around and these inquiries are on my credit. I would like these inquiries removed from all three credit bureaus. I have video evidence of the dealership admitting they did the incorrect inquiries
Product: Debt collection

Medical Data System l reported a collection account to my credit report without my written consent. Medical Data System used my personal information and damaged my privacy without my authorization. My identity was stolen and Medical Data System l has committed fraud, which is a federal violation.

It is against federal law to furnish any medical information. It is a HIPPA violation and any medical reporting should be excluded.

15 US CODE 1681a ( d ) ( 3 ) ( A )
Product: Debt collection

Comenity Back Will Call Numerous Times Per Day from various numbers within in second of each other back to back.
Product: Payday loan, title loan, or personal loan

Interest rates on this loan are way higher than those established under law by the state of Illinois. They also are not a licensed lender in the state of Illinois and are violating state usury laws. I have paid back greater than the principle balance on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing wrong address they won't remove well its why the FTC violation occurred XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have 2 accounts and XXXX hard inquiries that are fraudulent, unauthorized, lost, stolen, and not mine. The following accounts and hard inquiries are not mine : XXXX XX/XX/XXXX, {$3.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$380.00}, XXXX XXXX XXXX, Equifax Consumer affairs, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX