23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint and present-day issue involves Central Credit Services, a debt collection agency at XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri. Zip code : XXXX. The debt collection agency, Central Credit Services, references their account # XXXX. 

The allegation of a delinquent debt by Central Credit Services is faulty. Their agency violates sections of FDCPA, and one of those sections includes their requirement to provide " Proper Verification of a Debt '' which is annotated within FDCPA 1692g. 

Central Credit Services mailed a debt-collection notice to me on XXXX XXXX, XXXX, alleging a {$1600.00} debt as due, identifying the original creditor of the alleged debt as XXXX XXXX. XXXX XXXX is based in XXXX, Wisconsin. Their notice is in error. I do not owe the debt. 

On XXXX XXXX, XXXX, I sent a dispute letter to Central Credit Services, utilizing Priority - Return Receipt postal mail. Central Credit received my dispute letter on XXXX XXXX, XXXX. 

I initiated a XXXX XXXX XXXX complaint against XXXX XXXX on XXXX XXXX, XXXX, disputing any debt that is allegedly due by me to XXXX XXXX, which is referenced in the Central Credit Services billing notice. The XXXX XXXX references my complaint with ID # XXXX, dated XXXX XXXX, XXXX. 

XXXX XXXX provided a written answer to my complaint on XXXX XXXX, XXXX. XXXX 's answer was directed both to me and the XXXX XXXX. XXXX 's answer to me is written, in part : " .... XXXX XXXX will write off the balance and remove the account from collections. '' Further, XXXX 's written response to me added : " .... We will have the collections agency send a letter to the patient ( meaning, me ) confirming the account ( s ) are CLOSED and DELETED from the ( patient 's ) CREDIT REPORT. 

On XXXX XXXX, XXXX, I sent a XXXX dispute letter to Central Credit Services, and referenced XXXX XXXX 's answer to my complaint and assertion that no debt is due to XXXX XXXX. My XXXX correspondence to XXXX XXXX was sent by Priority Certified - Receipt postal mail. XXXX XXXX received my XXXX correspondence on XXXX XXXX, XXXX. 

This entire issue originated with a Debt Buyer, XXXX XXXX XXXX, XXXX. The original ( alleged ) debt buyer, XXXX, had sold XXXX alleged debts of {$810.00} each to a debt collection agency known as XXXX XX/XX/XXXX. Both of those alleged debts, referencing XXXX XXXX, were disputed by me with XXXX in timely correspondence dated XXXX XXXX, XXXX. 

While XXXX XXXX is vague about how these alleged Medical debts have ever surfaced, it appears that either XXXX XXXX or an affiliate Hospital erred in sending their own billings to the Veterans ' Administration -- which had later paid Medical Billings in my behalf. In any event, there is NOT DEBT DUE TO XXXX XXXX. Indeed, XXXX XXXX has now confirmed it, ( finally ), and provided written correspondence to me and the XXXX XXXX 

Central Credit Services violates law if continuing to collect this alleged debt. It is necessary that Central Credit Services provide correspondence to me, indicating their acknowledgement that this matter is closed with no debt due to the ( alleged ) original creditor -- XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On thursday, XX/XX/XXXX @ approx. XXXX, I had been applying for a debt consolidation loan under Avant Banking XXXX XXXX, ) they helped me to find various lenders willing to extend me a consumer loan with a specific amount i requested to borrow, with an option of loan term payments. Avant bank ( XXXX ) continually sent me emails requesting me to either call them, or provide general information. An email under the same name showed up and i 'assumed " it was 'Avant Bank'..they asked me for more information, as follows, i pasted the email contents : Avant Hi XXXX, Thank you for applying to Avant Banking*. 

Were thrilled to have received your application, however, we need more information to complete the review process. 

Please provide all of the following items to complete the review of your application : Photo of your unexpired U.S. government-issued ID - such as a driver 's license or passport Cell phone bill dated within the last 30 days in PDF format ( must show your phone number ) Proof of address dated within the last 30 calendar days in PDF format - such as a bank statement or utility bill ( must show your full name and residential address ) Photo of your Social Security or Individual Taxpayer Identification Number card Please note, documents submitted must be clear, legible, and in its entirety - otherwise, it will not be accepted. 

For the security and protection of your personal information, please submit the requested documents by using this link : Secure portal to upload documents We can hold your application until XX/XX/XXXX. If we dont hear from you by then, we will not be able to give any further consideration to your application. 

If you have any questions, feel free to reply directly to this email. Thanks again for your interest in Avant Banking! 

Here when you need us, XXXX *Avant, LLC is a financial technology company, not a bank. Banking services are provided through XXXXXXXX XXXX XXXX XXXXXXXX, Member FDIC. 
Avant THAT ABOVE, IS THE EXACT CONTENTS OF THE MESSAGE, PLUS, THIS SEPARATE WINDOW WAS USED FOR ME TO UPLOAD MY PERSONAL INFORMATION TO THEM, USING WHAT THEY CALL THE : Secure File DROP HERE IS THE LINK : XXXX XXXX XXXX Like an XXXX ... i sent them the following : A COPY OF MY XXXX  BANK STATEMENT, A COPY OF MINE AND MY WIFE 'S SOCIAL SECURITY AWARD LETTERS, A COPY OF MY TEAMSTERS XXXX XXXXXXXX XXXX  AWARD LETTER, AND A COPY ( FRONT AND BACK ) OF MY TEXAS DRIVER 'S LICENSE. I then opened an email from AVANT Bank..for me to call. ( XXXX ) - a gal answered and i told her about sending the info in, and she told me they were NOT AFFILIATED WITH SUCH AN OUTFIT, AND THEY WOULD NEVER ASK FOR SENSITIVE INFORMATION. iT WAS A PHISHING SPOOF AND SHE TOLD ME TO REPORT IT to the specific email address where one reports phishing scams, I also initiated a FRAUD ALERT to all 3 credit bureaus, and you as well. I am attempting to delete my email address and open a new email account, changing BANKS, and taking deposits out of my bank until we get a new bank! well... that's it. I am a XXXX yr old baby boomer tech-dunce.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX  XXXX  keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, National Collegiate Student Loan Trust XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. XXXX XXXX, XXXX can not sue you on this debt and XXXX XXXX, XXXX can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not stupid enough to start the clock all over again by sending them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several letters to Experian, XXXX, and XXXX advising of incorrect names, addresses, birthdates, and socials. They only responded that they updated the information ; however, all files still show incorrect personal information. When I called, they stated they could not remove the incorrect information. This has caused me to get denied loans and credit because my identity could not be verified. These letters were all sent within the last year, with my last attempt being in XXXX of 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of id theft and there has been a collection account reporting that is not mine
Product: Debt collection

Called my ex-husband 's number who I am estranged from about my debt. I have a restraining order and they are jeopardizing my life. Jared Galleria/Sterling
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 COLLECTION Account Number : XXXX XXXX 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: 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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.

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 conviction 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: Debt collection

On XX/XX/2022 I sent Barclays a letter requesting debt validation pursuant of to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim that I owed an alleged debt was disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay you. At that time time, I also informed them that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact if any negative mark was found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. As you can see in the attachments, Barclays reported negative information to the consumer bureau 's without validating the alleged debt they have in my name. I also provided to them an invoice to pay for the 7 violations of 15 USC 1692 that Barclays has committed in the process of defaming my character. 

P.S. 

The following attachment is the notarized Affidavit of Truth I sent as well as a Debt Validation Letter, Cease and Desist and finally and invoice for the violations committed. The last page will show a return mailing receipt signed as evidence that they received these documents over 30 days ago and have failed to respond.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I filed a complaint a while back with Venmo and XXXX XXXX. I hope you're able to read it, but long story short is they " cashed '' my {$350.00} check and didn't fund any accounts with it, at lwast not MY account. My money is somewhere just not with me. I have acreenshots and proof which I provided with my last complaint. 

I've tried to follow up but they both are still giving me the run around. There is absolutely no reason that they haven't gotten me my {$350.00} they owe me. It has been 3 months. I have been behind 3 months on bills because of it. I'm still struggling because that was food for my kids and I for a month. It has put me so behind. 

I just want my money I am owed. I cashed it through the Venmo app, which is cashed by XXXX XXXX. I feel like it's not much to ask for to get my money I'm owed. There's no way this is taking 3 months to solve. You cashed my check, didn't fund me and I want my money.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challengedXX/XX/XXXXXXXX - XXXX XXXX XXXX - XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Listed below are the Collections that are being challenged XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XX/XX/XXXX- XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, 15 U.S.C. 1681 a 4 my right to privacy I do not want any negative items or collections on my credit report. This is my right.

15 U.S.C. 1681 a 2 states that I did not give any collector written instruction to allow them to report negative items to my credit report.

15 U.S.C. 1692 c ( a ) unlawful communication between collectors and credit bureaus. 

Therefore according to the law, delete all collection accounts that are on my credit report. 
Delete all late credit card payments Delete all hard inquiries. 

If you do not abide by the law you will be sued.
Product: Checking or savings account

On XX/XX/XXXX my cash app was hacked. The hacker somehow changed my email and my phone number completely locking me out of the account. They then proceeded to send {$1900.00} from my cash app balance to their account and an additional {$1100.00} from the bank account I had attached to my cash app account. I immediately filed a police report and disputed all charges with cash app. Today XX/XX/XXXX I received an ema from cash app stating they denied my claim because they believe the transaction was authorized. Despite me telling them multiple times I have proof of being hacked AND a police report. They refuse to see any evidence or give me a refund. Please help!
Product: Mortgage

The mortgage company charged me a {$6800.00} Va funding fee.As XXXX veteran Im exempt from paying the fee.Talk to XXXX XXXX the loan officer at the time of loan process because he stated he was going to save me over {$6000.00} dollars.I asked him to show me both in an email and a phone call.He never did.
Product: Debt collection

I purchased furniture in XXXX, paid it off in XXXX. Somehow the original creditor sold my debt to another company and now they are coming after me. I called and explained what was going on. I called the original lender and they sent me proof that the debt was paid off. Now the collection company has this debt on my credit report.
Product: Credit reporting or other personal consumer reports

Inaccurate late payment remarks XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I went to my bank to transfer XXXX USD to my Coinbase account. Prior to transferring the account, Coinbase was claiming to transfer incoming wire within 1-2 days. So, I proceeded to transfer to my account in Coinbase. I waited 2 business days and no funds were  available, so I submitted a ticket to support. Since Coinbase does not have a support number for wire transfer I could not speak to anyone about my case. After a couple of days I got a generic email saying they apologize for the delay, they were behind on wire transfer and all transfers should be completed. I replied back to the email explaining that my account does not have my funds transferred. Again after a few days, I get no response so I continue to ask for updates. Coinbase only replies with a generic message but no indication that my funds are available or what the delays maybe. Ive sent over 30 emails with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX credit card decision already 6 months keep unauthorized transactions on my statement active. I ask them to remove unauthorized transactions from my credit card statement but they stay active and at the same time I pay minimum payments. In the result of this I receive three late payments on my credit report I need XXXX XXXX to unblock my credit cards and to remove late payments