23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are two debts on my credit report that I am unable to discern exactly what the debt is for or who it is from?

It is medical it seems.

I have and had two ( 2 ) insurance companies. One paid health plan and the other is Veterans Administration and surely covers all emergency related costs.

Was a claim denied? Please provide evidence. What is the original invoice and for what. Both debts are within 100 dollars of each other and filed on the same day? Are they duplicates? 
Please advise
Product: Mortgage

Mr. Coo-er is the worst mortgage services in this country. I have fought with them for years. You really need to investigate them. Its not just me everyone hates them I have had HAF the past year and it always get posted late. HAF told me Mr. cooper recurved my mortgage payment on XX/XX/XXXX and it still hasnt posted. This happens to everyone and I am over them. You messsge them and the same thing always gets said. We will escalate the situation and contact you after one business day. Of course they never respond. I am so over this.
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : US DEPT OF EDUCATIONXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242.

Fact : Section 18 usc 241 : makes it unlawful for two or more persons to agree to injure, threaten, or intimidate a person in the United States in the free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States or because of his or her having exercised such a right.

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application was used as a bill of exchange to fund the account as collateral!

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank.

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act
Product: Student loan

I have been trying to dispute the total loan amount that I am being charged for several years. Some of the loans that are lumped in under my consolidation were made during years I was not even in school as well as years that I had already graduated from college. I received an itemized statement from my last servicer, however, then I was switched to a new servicer and they refuse to assist saying that they only can use what they were given by the previous servicer. I have asked for proof of my promissory notes for these loans and none have been provided. I have been experiencing this issue for over ten years.
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 Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have failed to provide documentation to proof the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!
Product: Debt collection

I received a notice from a XXXX XXXX that I owed money for a purchase made from a company XXXX XXXX, XX/XX/year> and also allegedly entered into a loan agreement with a XXXX XXXX XX/XX/XXXX which is affiliated withXX/XX/XXXX A loan company. It was for a large piece of machinery that I would not use nor have the room for such item. I never entered any loan agreement. Never received said item not any information via mail, or e-mail in regards to said loan agreement with either XXXX or this XX/XX/XXXX I never signed any documents for any loan or any item that was supposedly delivered but it never was. I contacted XXXX XXXX and there is a record of the sale, but it showed said loan was closed, but had no further information. I contactedXX/XX/XXXXdirectly and was told to e-mail them and it would be escalated to their fraud department. I have done that. I haven't heard anything, but after reading many complaints regarding this bank and XXXX XXXX on the XX/XX/XXXX site it seems this has happened to many people and it doesn't seem legal, but somehow they are getting away with creating so called debts and loans that try to pursue payment for these loans to the point of suing, which is now happening to me. I never ordered nor had a loan with XXXX XXXX or a purchase from XXXX XXXX. XXXX is now trying to collect this debt and even suing me, so I am filing this report to respond to their claim by officially stating through the FTC someone or some company created this whole thing and are trying to hold me responsible. I have also tried to track down the delivery of said package, but the tracking numbers aren't valid and I get nowhere without valid tracking info. Every avenue I take is a dead end, but rest assured I DID NOT ORDER THIS ITEM I am being held responsible for. This XXXX XXXX shows a loan paperwork, but nothing with a signature or any proof of acceptance. Also there are no reports on my credit report for this loan since it was initiated in XX/XX/XXXX I would think if I was default I would have receive numerous calls, letters or bad credit reporting for defaulting on said loan. NOTHING. Only after this XXXX XXXX sent me notice that I supposedly owed this money did it appear which I quickly disputed and it was then removed. I never even got a phone call from XXXX, XXXX XXXX or now this XXXX XXXX regarding this debt ....
Product: Credit card or prepaid card

1.I have never had an account with this company 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 SEARS/CBNA 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 farther efforts pursing 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 ) while 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.
Product: Checking or savings account

On XX/XX/XXXX Citibank decided to closed out my card, On that day I was hung by 4 times by your investigation team, I also was told that my account was being closed due to multiple claims that I have open, I have 3 fraud claims that were open and closed out in my favor, I have 3 disputes with merchants due to the merchants claiming that they have refunded me and I haven't recieved a refund also on XXXX my card was decline by citibank for my glasses that I purchased I Used another card to pay for set purchase, then on XXXX I contacted the fraud team the same fraud team that closed out my account due to blocks being on my card 5 times my card was swiped with XXXX and they all declined I have to use another card I provided you guys with receipts showing my card was charged with another card, now told XX/XX/XXXX I receive a letter in mail telling me that the provesional credit that was given was not in my favor and y'all took the money out my account this is the XXXX time every time I sent receipts to Citi via email XXXX or fax they never receive it, there a charge that I was charge for with target didn't even make the charge but apparently whoever used my card return stuff and the claim got denied due I sent letters back letting y'all know that the charge was fraud no still its being deemed as I made, so when I contacted Citibank I was made aware the y'all back office team is the one the closed out my account and they are the one that are trying to legitimize my account too see if it was me that put all money in my account, I have made every single cash deposit, I have made every single check deposit which is 2 which was the check that was deposited in my name and also the one that was deposited in my account for my business and didn't know that I couldn't deposit the check the check was in my business name and I didn't know that I couldn't deposit this so Im not understanding why my account is being closed there is no reason to close out my account, I have recording go how these agents are talking to me I have recording on how they blaming everybody instead of taking accountability for what is happen my account is being closed for no reason and now they want verify if my funds are mine excuse me all funds are mine I feel very discriminated against and I feel this is wrong
Product: Debt collection

CCRSI has been harassing me over an unverified 7 year old debt for months. Today they contacted the medical clinic I work with, interrupting me as I was providing medical care.
Product: Bank account or service

Today I went into the XXXX PNC Bank location on XXXX XXXX XXXX. to cash a check that was written to me from XXXX for overpayment in the amount of {$47.00}. I asked the teller if I could cash the check. He continuously asked what kind of a business was XXXX. I explained that it was my insurance company and that they are an insurance company for military personnel. He had my military ID card and my state issued drivers license. Yet he was determined to prove that the check was not valid. When he finally discovered that the check was good, he said he would have to charge me a {$10.00} fee to cash the check even though the check said PNC Bank. He told me it was because it was a company check. I felt like he was discriminating against me. After service like this I would never open an account with this bank.
Product: Mortgage

i tried to get the servicer and owner of loan to come to terms about my principal balance seems not to go down when making payments. according to the respa servicer or lender has to correct the error when managing my mortgage payments. i need specific information about the account.
Product: Debt collection

This account repeatedly appears on my credit file and it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a fraudulently opened account on my Transunion credit report for years. The last time Transunion actually allowed them to even re age the account and still verified it as accurate. I have contacted this company named XXXX that has a negative mark on my credit for XXXX and I have asked for any information or documentation of the debt, they have so far refused to provide any such documentation they in collaboration with Transunion just keep reverifying and re aging the account without actually investigating the matter. I have asked Transunion several times to do a real verification and they refuse to do so. So, I am stuck either paying a frequently opened account just because Transunion and XXXX say I owe it with not one shred of evidence, contracts or any signatures confirming the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address ( Insert address ). 
My name should also read XXXX XXXX, my current phone number XXXX. 
Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXXnon mailable address
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & XXXX shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!
Product: Checking or savings account

I have a FSA for commuter mass benefits for TOLLS  and the bank " XXXX XXXX  '' is not paying the XXXX as I instructed. I have funds available and they are not giving me access to those funds.
Product: Credit card

On XXXX XXXX, 2024, I submitted an application for a Capital One XXXX. Shortly after submitting the application I received notification from XXXX and XXXX that Capital One pulled my reports. This was expected. An hour later, I received notification from Capital One that more info was needed to process my application, which I promptly submitted. 

On XX/XX/2024 I received an email from Capital One indicating my application was approved, and shortly thereafter I received notifications from XXXX and XXXX that Capital One pulled my credit AGAIN for the same application. I did not authorize a second pull of my credit. If Capital One thought something on my credit had changed in XXXX hours, they could have done a soft pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX is in serious violation. They received my XXXX ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. Not following Federal Law makes Transunion Criminally liable. Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Transunion written permission/ consent to report anything on my consumer report. No consent means Identity theft which Transunion can be held criminally liable Transunion, XXXX, And XXXX is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I get about 10 calls a day from a company telling me I need to quickly use them to forgive my student debt before time runs out. Once I start asking questions about how to prove they are not a scam, or if I can find them online, they immediately hang up. Day after day, these calls come in, even though my number is on the Do Not Call list. These are the phone numbers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate and Inconsistent Reporting for XXXX XXXX XXXX Account Complaint Description : I am disputing the inaccurate and inconsistent reporting of my XXXXXXXX XXXX XXXX  account on my credit report. XXXX informed me in writing that they reduced the balance to {$0.00} and updated the account status to Paid in Full as part of their exit from the student loan business. They also stated they would notify the consumer reporting agencies. Despite this : XXXX. My credit report still lists repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX, even though the debt was canceled, and I am set to receive a XXXX for the forgiven balance. 
XXXX. The account is not marked as Paid in Full as XXXX promised, which violates the terms communicated in their letter. 
XXXX. The derogatory marks are causing undue harm to my credit score, as the debt has been forgiven and the balance is {$0.00}. 

This reporting contradicts the information provided by XXXX and violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information is reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX  General Clothing Stores XX/XX/XXXX Yes XXXX XXXX XXXX  Credit Card XXXX. 
XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes