23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I began receiving phone calls from a debt collection agency regarding a debt that they claim I owe. I explained to this company I have no idea of what they were talking about and I ended the call. They called 4 more times that day. That last call I was told by XXXX XXXX that they will make my life miserable by sending it to the credit bureaus and that it will be a negative mark on my report. They continued to call several days after that, I did not answer. I then began receiving letters in the mail regarding this debt for XXXX. On XX/XX/XXXX I sent them a letter requesting a validation letter.They then respond with the same exact letter with no changes nd again not a validation letter. XX/XX/XXXX I again send the collection agency a letter still asking for validation of this debt. Unfortunately the company sends me a letter wanting to settle the debt for half of the amount and still no validation letter. I send 3 more letters after that and and nothing. The last letter I send I then let them know that I am quite aware that if they do not respond with the validation letter they would need to take it down. Again another letter now telling me they will hold off until I receive my taxes. In between the times I am disputing this with XXXX who keeps telling me its a valid debt but we cant tell me how they verified it to know that its a valid debt. I have now disputed it with them 4x. This is a copy of the letter I've sent this company. 

National Credit System , Inc CrediXXXX file XX/XX/XXXX To XXXX XXXX XXXX. I am XXXX XXXX and I am writing this letter to request more information regarding this debt. 

( 1 ) I need a copy of the original contract with my signature for the debt. 

( 2 ) I need a full payment history from the original creditor as well as the name and address from the original creditor. 

( 3 ) I need proof that you now own or have been assigned the debt to collect from the creditor. 

( 4 ) I need a copy of the original debt meaning the amount when you purchased the debt. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on XXXX. How is this possible for an account that should not be on my credit report? 
It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.
Product: Credit reporting or other personal consumer reports

XXXX complaints with XXXX ridiculous explanations all before XXXX lie lie lie lie lie lie lie lie just another stall tactic
Product: Credit reporting or other personal consumer reports

I noticed huge amounts of errors on my credit report so I contacted the credit bureaus via mail to dispute the reporting. That was 45 days ago and I have not heard back from them in regards to my dispute. The fcra states that they have 30 days to investigate or the must delete the information. I am requesting that the information be deleted from my report because they failed to investigate, correct or delete and they also failed to notify me of their results.
Product: Checking or savings account

I 'm trying to use this app that allows me to take out money and be deposited in my account. But it takes so long to update my transactions it takes like 2 days in order to receive it and get the money
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the reporting of accounts without my permission by a consumer reporting agency, in violation of the provisions outlined in 15 U.S.C. 1681b and 15 U.S.C. 1681a ( 2 ) ( b ). I seek your assistance in addressing this matter and ensuring compliance with the applicable laws. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the specific sections mentioned above, I have the right to control the disclosure of my personal information and to provide explicit consent before a consumer reporting agency furnishes my account information to third parties. However, despite my explicit denial of consent, I have recently discovered that certain accounts have been reported without my permission. 

I have sent multiple disputes to the consumer reporting agency, clearly stating my objection to the reporting of these accounts and explicitly withholding my consent. Regrettably, the consumer reporting agency has either failed to respond to my disputes or has disregarded my requests, continuing to furnish the disputed accounts without valid authorization. 

I hereby request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take the necessary steps to ensure compliance with the FCRA. Specifically, I seek the following actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. Addresses:XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' Equifax XXXX, and XXXX are consumer reporting agency and I, XXXX XXXX, I am the consumer. I have the Right to make sure my private information isn't shared which is backed by 15 U.S.C. 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer 's non-public personal information. XXXX XXXX Bank, XXXX XXXX, and XXXX XXXX Bank are all financial institutions by definition under this Title. XXXX5 U.S.C. 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and No other : in accordance with the Written instructions of the consumer to whom it relates. '' I can tell you that I never gave XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX any my consent to furnish Any information and the consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely don't have any written consent. Any and All consent to XXXX XXXXXXXX XXXX, XXXX XXXX Bank, and XXXX XXXX whether it be verbal, nonverbal, written, implied, or otherwise is Revoked. 15 U.S.C. 6802 ( b ) ( c ) states the " A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXX XXXXXXXX XXXX, XXXX XXXX Bank, and XXXX XXXX never informed me of Any Right to exercise my non-disclosure option. Not only that U.S.C. 1681 ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other that records convictions of crimes which antedates the report by more than seven years. These accounts are not items that are not proper things to be reported, and against the law to be reporting. 15 U.S. Code- 1681s- 2 ( A ) ( 1 ) A states " 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. 15 U.S.C. section 1681 e states, Every consumer agency shall maintain reasonable procedures designated to avoid violations of section 1681 c of this Title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. Equifax and XXXX as well as XXXX are not maintaining reasonable procedures. Also 12 CFR section 1016.7 State that " A consumer may exercise the right to Opt out at any time. I am opting out of there reporting services because they have indeed been furnishing information that is against the law to report.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, MI XXXX - New address XXXX XXXX XXXX XXXX, XXXX MI XXXX - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXX - Old - Email : XXXX Company Information : - Company Name : XXXX XXXX - Address : Complaint : I am submitting this complaint to request the immediate deletion of the XXXX  XXXX collection account ( Reported : XX/XX/year> - {$2500.00} ) from my credit report. This account is inaccurate, and the constant harassment and threatening remarks from the creditor are causing me significant distress. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct, including making threats of garnishment or wage seizure.

4. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

5. _15 U.S.C . 1692f_ : This law prohibits debt collectors from engaging in unfair or unconscionable means to collect a debt.

6. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Debt or credit management

I haven't received my payment for having services with Lexington Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My financial history with XXXX should be private. 

Per the terms and conditions of XXXX it is noted they agreed not to share my information with non-affiliates. Experian is not an affiliate of XXXX. 

Per the SEC filing of XXXX it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} or more the balance is credited to the consumer. Reporting this account as a late is a violation of the oath XXXX agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account. 

XXXX and Experian or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. 

XXXX is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that XXXX transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.
Product: Debt collection

XXXX XXXX has called me and my job and I dont even have any letter from accelerated credit so I dont even know what it is in regards to. He called from number XXXX ( XXXX ) XXXX. When I XXXX this number the complaints are he calls for Debt collections for urgent care however I dont have an urgent care bill the last one I got was in XX/XX/XXXXand paid the XXXX dollars. I would like him to please stop calling and send Debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three time now provided Equifax with a letter of explanation from XXXX XXXX removal of late payments on my credit report. Which is attached with this file. I filed my 3 rd dispute with Equifax apprx XXXX, XXXX 2020. Equifax responded with a generic response and did not remove the codes but requested I go back to XXXX XXXX. However I provided the letter from XXXX XXXX clearing up the issue and included it with the recent dispute.. No one at Equifax looked at the documents otherwise it would have been removed immediately. I have attached page 4 of Equifax standard dispute response letter along with two pages from XXXX XXXX with the removal information on page 2 of the XXXX XXXX document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX to review the attached dispute form and investigate my dispute. The following accounts are paid in full : XXXX XXXX and XXXX XXXX Bank XXXX XXXX The following accounts and credit card was reported lost/stolen : XXXX XXXX XXXX and XXXX XXXX Bank XXXX The following debt collection account is fraudulent and not my debt collection account : XXXX XXXX  XXXX XXXX {$360.00}. The following public record is not my public record : U.S. Bankruptcy Court of Minnesota, reference number : XXXX, XXXX  XXXX Bankruptcy Discharged. The following credit inquiries are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX.
Product: Checking or savings account

Opened Chase XXXX  Checking and Savings accounts with {$32000.00} deposit, a check issued by XXXX, from my XXXX distribution on XX/XX/year> to qualify for {$900.00} Chase bonus. Chase emailed me on XX/XX/year> stating I was a victim of fraud and my account may be closed. After weeks of multiple attempts with the help of my local Chase XXXX XXXX Branch Manager and Relationship Banker in XXXXXXXX XXXX, Chase 's " back office '' in XXXX XXXX refused to verify my XXXX check and ultimately closed my checking account withholding my {$32000.00} without interest payments or bonus until XX/XX/year>. Chase Executive Office informed me in that when I signed the Chase XXXX  Checking Account agreement ( XXXX pages long ) that Chase has the right to restrict my funds, " for any reason, or no reason, forever '' and ever, XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXXXXXX, 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 an 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 or 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

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX  XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5400.00}
Product: Credit card

Found an entry on my credit report that is incorrect. It shows a balance overdue of {$330.00} dollars. According to the credit report, the charge was made in XXXX of XXXX. I have never received a statement from them. I did receive an email several months ago and called them on XX/XX/XXXX and was told I had a XXXX balance so I thought the situation was resolved. The card that it was charged to was never activated and the card is in my possession. I have tried repeatedly to contact Comenity Bank and the phone message says they are connecting me to customer service, the phone rings once and then hangs up. The address on the adverse information report is : XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX If I could get them to talk to me, I'm sure we could clear this up. I appreciate any help you can provide to clear this up.
Product: Credit card or prepaid card

in XXXX i paid full balance leaving XXXX - the next bill showed a balance of XXXX XXXX i called the company as soon as i saw the bill i called customer service for Indigo card to report the fraudulent charge. i believe that was XX/XX/2022. .they sent me a new card but transferred the fraudulent balance to the new card. i called them again a few times. by the middle of XXXX i was getting past due deliquent notices. i have written to Genesis Card Service and emailed XXXX Bank. i have received no response from either. the only thing customer service said was that it takes XXXX days to investigate. Now the delinquency is being reported to the credit bureaus rather than waiting for the problem to be resolved. this is an awful company and i need help getting it resolved.
Product: Debt collection

i recieve a alert that i had a collection on my credit report i contacted the company they sent me forms to fill out i explained it was not my account never lived there never let anyone use my info they told me send proof of address and other things i have faxed to them already
Product: Debt collection

Apex XXXX out of XXXX Pa continues too send me the same debt collection bill with the same amount every time. Ive already paid this and not knowing Ive paid it more than once already. As soon as I got on the phone with someone and explained the situation I was hung up on. Attempted to call back 8 more times and they would pick up and hang up. After all of this happened I XXXX Apex XXXX and the reviews Ive read were exactly what I am dealing with! They are a fraud and I need to get to the bottom of this as soon as possible.