23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - who hired collection agency Attorney for Collections : RAUSCH STURM XXXX  of XXXX, TX XXXX ( new name of Rausch, Sturm, Israel, Enerson, Hornik of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. 

Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff lawfirm Rausch et al.. 

Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by Rausch et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME XXXXXXXX XXXX  debt. 

This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. 

CAN THEY REALLY DO THAT??
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021someone tried to open three credit cards in my name. XXXX XXXX, XXXX and XXXX XXXX. I was alerted the same day from XXXX XXXXa that their were new hard inquirys on all three credit bureaus XXXX, Equifax, and XXXX. I contacted the credit card companies first and they were quick in getting the applications stopped and flagged the accounts as fraud the same day that the thieves originally applied for the credit card accounts XX/XX/XXXX. Then I purchased credit monitoring from all three credit bureaus and I Locked my credit file on all three so no one could do that again. I then disputed the information with all three credit bureaus and all the hard inquiries were deleted with in days. Except Equifax refuses to delete the XXXX XXXX hard inquiry. Their investigation shows that it was a factual inquiry and there for will stay for two years. I then called XXXX XXXX again and they assured me that Equifax was notified that the credit card application was fraudulent and that the application was stopped the same day they tried to open it and to delete the information from my credit report. I also filled out an identity theft victim form on the FCC website.
Product: Credit card

Ordered ( 2 ) mattress and foundation sets from XXXX on XX/XX/2023. Delivery date was XXXX XXXX. XXXX XXXX  received on set, but said they hadn't received the other set. Then both XXXX and XXXX XXXX  kept promising dates but never delivered. I called XXXX and emailed them ( many times ), and never did receive the 2nd set, so I cancelled the second set. We charged these to Affirm while we are building a new home. After many emails, calls, and even speaking with them, I have not received the refund. Now Affirm is saying the " complaint '' I filed ( 3 of them now starting in early XXXX, is over the 60 days and they can't do anything. I told Affirm that I will not pay any more to their account until I see a refund, and sent XXXX the same message. They are both a bunch of inept customer support groups.
Product: Credit reporting or other personal consumer reports

I disputed a student loan on my account which Ive never been to which I stated multiple time to them and the issue has not been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Indebted USA have violated my rights. 

I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent XXXX, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. XXXX remained silent and acquiesced to the contract. 

Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports.

Furthermore, I received a collection letter from Indebted USA, demanding that I send in a payment for a past due amount. I do not have a contract with Indebted USA. 

XXXX and Indebted USA have violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692b ( 4 ) not communicate by post card ; 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 that a consumer reporting agency can not furnish a account without my written instructions..
Product: Debt collection

Commonwealth Financial Debt Collection, reported the same account to XXXX  Credit Reporting Agency, then sold this account, in the amount of {$1300.00}, to another debt collection company, XXXX XXXX XXXX for {$1300.00} on or about the periods of, XXXX - XX/XX/2018. See uploaded documents. 

Both companies are reporting information from same the original creditor. 


Upon, notifying XXXX of the same account is being reported twice by two different collection agencies, XXXX refused to investigate and remove the Commonwealth Financial Debt Collection entry for {$1300.00}, which was recently sold to XXXX XXXX XXXX. 

XXXX needs to remove the Commonwealth Finacial reporting, it is suspected to be out of business.
Product: Credit reporting

These accounts need to be deleted because they are not mine and they have not been validated. I have disputed these accounts with Transunion numerous times. The response I get back is that the information has been 'verified '. I contacted each one of these collection agencies and I never received a response from the collection agency to 'Validate ' the account. With that being said I am sure that Transunion did not get a verification from the collection agencies pertaining to the collection agencies on my credit report that do not belong to me. XXXX is not a way to verify an account. I requested there '' method of verification '' meaning who did the physically talk to at the collection agency. I want to know what paperwork Transunion have showing that this account was validated and verified. The person they spoke with, what department, what day and time, and the paperwork they have showing ownership of the collection account.
Product: Debt collection

I went to XXXX XX/XX/2021 to close my account and paid off the full balance owed which was {$350.00}. Then I receive an additional bill and a past due notice on XX/XX/2021 and spoke to XXXX on XX/XX/2021 no worries she would take care of. She didn't see any info on the computer so it must be taken care of on XXXXThen on XXXX XXXX I get a collection notice with late charges added. I spoke with XXXX on XX/XX/2021. He assured me that this was a final bill because when I went to XXXX, the clerk could only see current billed info. Since I closed my account, I was being billed for that time that wasn't reflected above. He took off the late charges and assured me that if I paid the {$130.00} I would be done with XXXX. I received a bill for the {$130.00} and paid it on check XXXX on XX/XX/2021 and it cleared my bank so I assume I am done. Now I receive another bill saying it is past due. So on XX/XX/2021 I sent letters to the collection agency and to XXXX explaining in detail that I do not owe this debt. Now looking at my credit report it show up under collections. Please help me I am at a loss to get this off my credit report and to clear this up. It has been going on since XX/XX/2021 and I can not get it resolved.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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

I am writing to dispute certain information in my credit file. The items I dispute are highlighted and enclosed in the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and unverified information on my credit report. I am very distressed that you have included the below information in my credit file, which contains errors and inaccuracies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( All accounts ) I have never engaged in any transaction with XXXX XXXX  or XXXX XXXX - XXXX XXXX, and I believe this information represents fraudulent activity on my account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion or correction of any information in my credit report that is inaccurate, incomplete, or unverifiable. Section 611 of the FCRA states that if I notify you of a dispute, you must conduct a reasonable investigation and either verify, correct, or delete the information from my file.

Please investigate these matters and remove or correct the disputed items as soon as possible. If you fail to remove these inaccuracies, I will be forced to take further action, which may include legal proceedings.

Please send me a corrected copy of my credit report and notify anyone who has received my report in the past six months of any corrections made.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/1994 XXXX
Product: Credit card or prepaid card

" REGIONS BANK '' ACC # XXXX CONTINUE REPORTING ID FRAUD AND OUTDATED ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH BANK ... .NOTE : FORMAL COMPLAINT FILED WITH " FDIC   '' FOR UNFAIR PRACTICES / NOT MY ACCOUNT ... FDCI  CASE # XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

See attatched XX/XX/XXXX mail pertaining to XX/XX/XXXX - XX/XX/XXXX from usaa Please note ftc.gov article web : 1 ) Have you ever been billed for merchandise you either returned or NEVER RECIEVED? response YES see attatched Criminal Investigation Letter USPS ( local post office ) dated XX/XX/XXXX. 2 ) Has card ever been charged twice for the Same Item? response. YES statement XX/XX/XXXX PURCHASES ARE ALSO ON statement XX/XX/XXXX {$340.00} & {$210.00} SAME PURCHASES OF XX/XX/XXXX RETURNED ITEMS and XX/XX/XXXX XXXX  ARE THE SAME PURCHASES AS XX/XX/XXXX {$470.00} I REPORTED UNAUTHORIZED XX/XX/XXXX. Kindly Note ftc.gov web FCBA Apply FOR EXAMPLE : : : A ) Unauthorized Transactions. USAA FRAUD LETTER XX/XX/XXXX CONFIRMS UNAUTHORIZED {$470.00} XX/XX/XXXX CLAIM DATE. 
B ) Charges for which you ask for an explaination OR ** WRITTEN PROOF OF PURCHASE ALONG WITH REQUEST. I have been requesting written proof ** SIGNATURE ITEM WAS DELIVERED INTO MY HANDS. Deliveries delivered by USPS NOT  DELIVERED in that zip XX/XX/XXXX forward because they would not fit in my 2 inch letter mail box AND WERE NOT DELIVERED INTO MY HANDS. Some found outside common ground some XXXX Not Accepted or OPENED. Many were not even ordered by me. See attatched FTC ID THEFT case XX/XX/XXXX. USAA DOES NOT FOLLOW FTC GUIDELINES ALL OF THIS IS TWO ( 2 ) YEARS LATE. Still NO RESOLVE. 
KINDLY NOTE THE ID THEFT REPORT. I AM XXXX. I WILL NOT BE ABLE TO FILL OUT THESE FORMS. USAA IS, and NEVER HAS PROVIDED XXXX XXXX OPTION FOR MY XXXX. I HAVE NO ACCESS.
Product: Student loan

I am having an issue with my loan refinancing agency. I have refinanced my private loans through XXXX, and Sofi/XXXX XXXX. The loan is a 7 year XXXX refinance loan with an interest rate of 5.375 % fixed loan. The loan was issued XX/XX/XXXX. The initial agreement was for a $ XXXX monthly payment for a total of 54 months. I applied for the loan during my XXXX XXXX and finished my XXXX in XX/XX/XXXX. After XXXX, I pursued a fellowship in XXXX XXXX. I am currently not an XXXX XXXX and have one and a half years left before I can start getting paid like one. Since my XXXX was finished the loan reverted to full payment after 6 mths. I applied to re-instate the {$100.00} as I had not utilized the full 54 month period. However, my application was declined because the loan company had realized that my school was not a XXXX XXXX school at the time of my graduation. They told me it was an accident that they even let me refinance in the first place, as they did not check this prior to issuing my loan. However, now they are charging me about $ XXXX/month. I only make {$62000.00} yearly and am in no way able to pay this off with my current salary. I have called them numerous times and have been constantly redirected between SOFI, and SOFI/XXXX. I tried to apply for forbearance through SOFI/XXXX, and they declined my application as they reported I am do not meet the criteria for economic hardship. I then looked to refinance my current loan again through SOFI and they keep declining stating that my school is not a Title IV school so they would not make any changes on the loan. In short, the loan company is not allowing any flexibility in reducing my loan payments or restoring the original contract to {$100.00}. I know that once I do become an XXXX XXXX, I will be more than capable of paying off my loans but as it stands I currently am unable to do so. Additionally, I am unable to refinance the loan through other companies as even they believe my monthly payments would be more than my current income. Please help me address these issues, as they do not seem to care about my ability to pay the loans.
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 Account xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/2021, I opened a new checking account at US Bank branch at XXXX XXXX, UT with a promo code XXXX that gives me {$300.00} after meeting certain requirements. From the fine prints available at opening this account, the requirements are : 1. open a new checking account other than student or safe debit account by XX/XX/2021 ; 2. complete recurring direct deposits that total {$3000.00} or more within 60 days of account opening ; 3. enroll in e-statement by XX/XX/2021. 

For requirement 1, my checking account is the basic easy checking account and I'd never had a connection with US Bank before. Therefore it is a new checking account of eligible type. 
For requirement 2, I made 3 direct deposits of {$2000.00} each that total {$6000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. Therefore recurring direct deposits totaling {$3000.00} or more were completed within 60 days of opening the account. 
For requirement 3, I enrolled e-statement when I opened the account. Therefore it is met, too. 

The fine prints of the offer say the bonus will be deposited within 60 days after all requirements are met and verified. After more than 3 months I met all the requirements, I still didn't receive {$300.00} bonus. I made multiple calls over the past 3 months to US Bank but it didn't get solved. Until XX/XX/XXXX, I got a call from US Bank and the person in the call told me I did not meet the requirement because I had to make direct deposits of at least {$3000.00} in each single deposit. 

For such obvious misleading and made-up excuse of not grant me the bonus, I tried to have some questions clarified in the call but that person failed to do so. The fine prints of the offer clearly say " direct deposits that total {$3000.00} or more '', by which a normal person would interpret it as " multiple deposits as long as they add up to at least {$3000.00} ''. But that person stubbornly insisted it has to be one single deposit of at least {$3000.00}.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed {$1800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX Balance Owed : {$840.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX  XX/XX/2023
Product: Debt collection

I requested my consumer file from Lexis Nexis and i noticed multiple inaccuracies being reported so i sent out a validation letter by certified mail to LEXISNEXIS on XXXX and as of today no results/response. You have a dismissed bankruptcy placed on my file and YOU LEXISNEXIS has failed to respond through written communication within 30 days from certified mailed letter that was signed by XXXX on XXXX. Lexis Nexis has violated the FCRA 611 ( 15 U.S.C 16811 ) that they did not provide me with a description of the procedure to determines the accuracy and completeness of the disputed information. In dispute letter I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy, who they referred this dispute to ; and who responded back with the required " verification ''. U.S. Bankruptcy Court state that they do not provide any information to the Credit Bureaus. Furthermore : Please Note : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security, and tax payer identification numbers, names of minor children, last four digits of financial account number, and dates of birth, be redacted from documents filed with the court. " Therefore, ( XXXX XXXX XXXX ) claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance .You have caused many denials of credit, adverse actions against me, embarrassment, mental disturbance and humiliation. My family is affected by this. I dont deserve it.