23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yesterday XX/XX/18 I was utterly humiliated. XXXX at Secured Resolution ( XXXX ) called by office. 
Due to the nature of my employment I am a XXXX  and answered by phone call on speaker phone where I was XXXX an employee on how to handle XXXX XXXX. 
XXXX asked for me by name. I intentionally didnt not confirm by name but instead I asked who was calling. At this point I kept the phone on speaker phone thinking this call might have been a contractor calling that needed to be transferred to another department. 
XXXX then proceeded to tell me that I have an open bill and with XXXX XXXX. Now my entire office knows I am in debt and since the XXXX XXXX is a very popular XXXX XXXX by entire office knows I was pursuing XXXX XXXX. This is something deeply personal to me and that I did not want shared. It was so embarrassing. 
I quickly asked XXXX to call me on personal phone ( which should have been attempted first ). I confirmed my personal telephone number then XXXX continued to the mini Miranda. I had to hand up the phone on XXXX because I was at work doing by job. The Mini Miranda is supposed to be said before disclosing information. 
TO be honest I probably have a lawsuit on my hand : 1. I did not confirm who I am before Secured Resolution disclosed I have a debt 2. My personal number was not attempted before my work line 3. Personal information was divulged before giving the mini Miranda 4. Even after I told XXXX that he will have to call me on personal number he still persisted to continue disclosing 5. And if I had to guess XXXX did not remove my work number 6. Now Im in a very uncomfortable situation in my place of work due to the nature of this debt being disclosed.

What I would like to see : 1. My work telephone number removed 2. The employee need to be removed from his position or put through a training program 3. I should receive an apology letter 4. As an apology I believe Secured Resolution should take of these debt
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

I have two different collection accounts on my credit report from the same company. When I contacted Medical Data Systems I was told that the two account balances are all one account and that the account had to be paid at once and not separately, meaning that one couldn't be paid without paying the other. The first things that popped into my mind was if it's one account with the same date of service, then how is it legal to put it on my credit report twice? The account have been satisfied, but I haven't received any paperwork showing that the accounts are {$0.00} Balance. All I have to show is that is was drafted from my account. They gave me a shady response of not sending out receipts to customers which is really confusing. These accounts are paid and need to be deleted from my credit file being that they put two different accounts on my credit file when it's all one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with XXXX XXXX XXXX for XXXX originated from XXXX XXXX. I payed this account in full, actually XXXX on XX/XX/XXXX. I have contacted this company spoke with the manager several times XXXX XXXX requesting this information be corrected on my credit report reflecting o balance. In contacting XXXX she was very hard to deal with ( rude ) indicated she has contacting transUnion and taking care of the matter. I informed her my credit report had not been updated and transUnion indicated they had not received that info and the outstanding debt still on my credit report. Basically XXXX told me I was not a priority and she has done what she needed to do and transUnion needed to take care of it. So I reached out to the owner of 'XXXX XXXX ' XXXX and had a conversation with him requesting his assistance with XXXX . Shortly thereafter XXXX finally sent me a letter that I had requested prior showing the payment I made. Also XXXX asked me to give it sometime and it would be removed from my credit report ( this was in XX/XX/XXXX ). Since then I have contacted TransUnion for the 3rd/4th time disputing this info and also sent them a copy of the letter showing the account was payed. However, TransUnion Supervisor XXXX XXXX indicated not able to read/understanding the letter clearly he received from XXXX. Also TransUnion indicated XXXX verified the account accurate as recent as XX/XX/XXXX ( still outstanding ). As you see, I have been dealing with this outstanding issue since XX/XX/XXXX. It should not take this long to update a credit report. XXXX from XXXX has been very unprofessional through this entire process, verbally rude, and negligent in reporting accurate/correct info. Don't know were I stand legally in taking action for XXXX negligence and which I truly believe XXXX is doing this purposely or just inadequate and don't care about the consumer.
Product: Student loan

I  had a change in bank accounts. In   XXXX   XXXX  , I filed paperwork to have my autopay account changed to my new account. The change was never made. I called in  XXXX  and a representative told me the paperwork was received and she was unsure why it was never processed. She assured me that she would make sure it was processed. However as of this date, it has not been processed. I have had overdraft issues in the checking account that I am trying to close because   XXXX   continues to pull my payment from my old checking account. I do n't have the option of taking my business anywhere else due to the fact that it is a Federal Student Loan. All I want is to be able to continue making my payments to the appropriate checking. I think an over 4 month processing time is ridiculous considering their website states that it takes 10 days to process.
Product: Credit reporting or other personal consumer reports

CFPB Complaint against Credit Reporting Agencies XXXX ( separate complaint filed w/all XXXX bureaus : Experian, XXXX, and XXXX ) XXXX What happened : I have Identified XXXX Fraudulent Charge Offs and Collection accounts on my XXXX XXXX XXXX report Consumer Name : XXXX XXXX XXXX XXXX Consumer XXXX XXXX Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX of XXXX account number XXXX, XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX and XX/XX/XXXX of XXXX account number XXXX, accompanied by XXXX & XXXX XXXX XXXX XXXX XXXX XXXX  account opened on XX/XX/XXXX of XXXX account number XXXX. All have turned into XXXXXXXX XXXXs and Collections which resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Have left messages indicating they needed a call regarding pending legal action. Stated they were with XXXX at XXXX with names of XXXX or XXXX. Left similar messages with family members not associated with this loan disclosing the debt in violation of third party disclosure laws. When contacting them, they stated were suing me on behalf of ACE Cash Express and have already started the process. They are in CA while I am in AZ so they do not have jurisdiction to do so. Refused to discuss resolution if not paid in full, and that would just note as refusal to pay and continue lawsuit. Have called numerous times after this, and have never sent me a letter indicating they were rightfully collecting or giving me the opportunity to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

We received a letter out of the blue stating that Bank of America was closing down our accounts. The letter did not give a reason, but stated that it is their choice at any time to discontinue doing business with us, just like we can discontinue doing business with them. For more than 30 plus years we have done our banking business through Bank of America. We have a car loan, XXXX mortgages ( XXXX per home ), personal savings including our children 's savings account, XXXX business accounts including a lotto account for our XXXX business. Our personal bank was shocked. This decision was based by someone that would NOT give us an answer because they say they do n't have too. We have been told to refinance our mortgages, loans, etc., and close out our accounts. How can someone do this to their customers of long standing? Is this discrimination because my husband has sent money to his family in XXXX and XXXX? This is causing great stress and we would like an answer. This is n't fair. This is n't right. Please help us find an answer. Thank you.
Product: Debt collection

XX/XX/year> CAINE & WEINER COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Debt Validation Request ( ACCOUNT # XXXX ) Dear : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. Stating I owe {$650.00} on account XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C $ 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of this debt 2. The name and address of the original creditor 3. The date of the last payment 4. The date of the default 5. A copy of the original contract or agreement 6. A detailed accounting of all Fees and interest added to the dept.

7. Proof that the statute of limitations has not expired.

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights.

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as requested by law.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, the federally protected consumer, has placed numerous complaints through the CFPB ( 15 u.s.Code 6805 and 16 CFR 131.1 ) and certified mail for the entire year of XXXX about TransUnion Corporation and XXXX XXXX XXXX willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non public, personal information on my consumer report. ( FCRA Sec 603 ( d ) ( 1 ) ) without my expressed written consent. ( FCRA Sec 604 ( a ) ( 2 ) ). TransUnion XXXX and XXXX XXXX XXXX is also currently past the 30 day allotment to resolve this ongoing dispute which is also documented via the complaint placed via the CFPB since the last complaint that has been placed, on XXXX XXXX XXXX 
The law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ). I've repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer and the consumer reporting agencies, TransUnion Corporation and XXXX XXXX XXXX, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. TransUnion Corporation and XXXX XXXX XXXX has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report.

There is also income being reported, by TransUnion Corporation, on my consumer report as well XXXX XXXX XXXX XXXX XXXX  ) which also goes against federal regulations. Nor has this account been properly verified and/or validated according to federal guidelines. 
According to the compliance procedures of the fair credit reporting act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

I have attached the following : Passport Card, CAF Notice, Power Of Attorney, Fee Schedule, consumer report ( s ), Opt Out Confirmation ( s )
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

On XX/XX/XXXX, I consumer XXXX XXXX, sent Receivable Performance Management a cease & desist letter to stop the infringement upon my intellectual property rights. This letter was sent via certified mail with tracking number XXXX. RPM received an alleged debt from XXXX and have been harassing me for payment. RPM received a debt validation letter on XX/XX/XXXX so I could validate this alleged debt. RPM have not cease contacting 3rd parties, they are attempting to collect a debt that's not theirs or validated. I previously asked for a debt validation letter on XX/XX/XXXX and they have failed to provide me with sufficient information to be able to validate this debt.
Product: Debt collection

Recently I visited an ER, and later my insurance company, less a {$35.00} deductible paid the bill. 

Yesterday, I tried to rent an apartment and was asked for a larger deposit, due to the recent tradeline placed on my reports by an unlicensed to conduct the business of a collection agency in the state of Arkansas, Professional Medical Adjustment Bureau. 

I obviously dispute the alleged debt, but was given no opportunity to dispute because this debt collector did not send to me, within five days of its initial communication to me, my XXXX rights under the FDCPA. 

In my circuit, reporting to a credit bureau is a communication to the consumer and considered debt collection activity. See, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( " '' The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver. Consistent with the view of the FTC-and consistent with the views expressed in XXXX, XXXX, and Semper-the court finds that XXXX was engaged in " collection of the debt '' in violation of XXXX ( b ) when it reported XXXX 's disputed debt to the CRAs before sending verification of that debt to XXXX. " ) ). 

XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( W.D. XXXX XXXX XXXX ( Reporting to credit bureaus is a communication within the FDCPA. ) ). 

Banks v. XXXX XXXX XXXX, XXXX WL XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ) ( Rejecting the argument reporting to credit bureaus is not debt collection activity ) ). 

This collection agency has violated the FDCPA and the Arkansas XXXX, by failing to be licensed to conduct the business of a collection agency in the state of Arkansas, but nonetheless communicating with me through my credit reports and attempting to collect a debt from me via my credit reports. 

If this illegal reporting is not removed from my reports, I will file a private action in the United States XXXX for the XXXX XXXX of Arkansas. 

Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax told me that they're not going to conduct a further investigation on XXXX XXXX  that is not my debt and I am not obligated to pay them. I have not receive a credit report from Equifax and they did not do what they said they was going to do in my CFBP compliant on the second in XXXX XXXX. Will have that in the attachments. What Equifax said I recently submitted a request for investigation of an XXXX XXXX XXXX Acct Number # XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system, you would have known, this account is not even mine though your company claims to have verified or " you will no longer investigate this ''. Even though I have sent information that XXXX and XXXX has removed XXXX XXXX XXXX It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX  was contacted asking proof that I am a co-signer on this loan. I asked if I can inquire how they VERIFIED WITHOUT ANY PROOF, BEARING MY SIGNATURE.
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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a request on items that are no obligation to on XX/XX/20. Recently, just received a response, over 60 days, on XX/XX/20 and Equifax has ignored the request for accounts that were in question and has deleted accounts that were never asked to investigate. 

They removed Dept XXXX and XXXX XXXX, XXXX XXXX accounts which there were no issues with. Removing these accounts, brought down my credit score even more, which was purposely done. 

There's also no sign of investigation on the accounts that were in question ( XXXX, XXXX XXXX  XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account #, 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
Product: Credit card

On XX/XX/year>, I paid off my Sephora credit card balance, which was {$93.00}. On XX/XX/year>, I was charged an interest charge of {$3.00} from the previous statement. I did not know I would be charged interest since I had already paid my balance. Since I was unaware that I still owed them {$3.00}, they went ahead and charged me a late fee of {$37.00} on XX/XX/year> and it spiraled out of control from there. I now owe them over {$300.00} in fees only, but initially I paid off my balance. 


{$7.00} XX/XX/year> LATE FEE {$41.00} XX/XX/year> Interest Charge On Purchases {$5.00} XX/XX/year> LATE FEE {$41.00} XX/XX/year> Interest Charge On Purchases {$4.00} XX/XX/year> LATE FEE {$41.00} XX/XX/year> Interest Charge On Purchases {$3.00} XX/XX/year> LATE FEE {$41.00} XX/XX/year> Interest Charge On Purchases {$2.00} XX/XX/year> LATE FEE {$37.00} XX/XX/year> Interest Charge On Purchases