23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX  I sent a debt validation letter to Midland Credit Management. Requesting Written verification of the amount of the alleged debt, including a detailed account of any interest or fees charged ; The name and contact information of the original creditor ; Proof that your agency is licensed to collect debts in North Carolina ; A complete payment history for the account, including dates and amounts of all transactions ; and Copies of any documents demonstrating that I agreed to the terms and conditions of the original contract, including the signed agreement. I also requested that the company only contact me in writing from that day forward. 
On XX/XX/23 I sent a failure to validate letter. This is an expert from said letter " As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/23. 

Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA, and the FCRA. 

I must remind you that any attempt to collect this debt without validating it violates the FDCPA. I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report law violations to my State Attorney General, the Federal Trade Commission, and XXXX XXXX XXXX XXXX XXXX. '' On XX/XX/23 I received a threatening letter from Midland. The letter stated that if payment was not received by XX/XX/23 they may forward my account to an attorney for litigation. This violates the FDCPA and NC statute XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an inaccurate account with TransUnion several times. The account is US Department of Education XXXX. The account is reporting inaccurate opening date, date last reported, date of last activity, and payment history. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter! 

P.S. This account is also a duplicate. The account has been transferred and is already reporting correctly on my credit report.
Product: Credit reporting or other personal consumer reports

i sent identity theft reporty on XX/XX/XXXX to have enquiries removed that were due to identity theft but transunion refused to remove them i mailed, faxed emailed and did everything but they kept lying stating they had not received the mail was sent certified.i sent last certified, mail on XX/XX/XXXX, i tried to work with them but they did not assist me at all.They are reporting inaccurate information,15 USC 1681XXXX : Compliance procedures, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the XXXXx Data Breach oXXXX XXXX  and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.
Product: Checking or savings account

America First Federal Credit Union switched me to a Premium checking account which has a $ XXXX monthly fee. They did this without my consent and never sent me any paperwork. I first heard about it on their XXXX page.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I am a consumer by law and my information was misused. This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports.
Product: Mortgage

Newrez corporation is reporting a loan payment as late when it wasn't. There was a clerical error that easily could have been adressed by NewRez if they wanted to but Newrex decided that the payment was XXXX days late and past XXXX  days was late. On XX/XX/XXXX, I electronically sent a payment through my bill pay system to Newrez and they dedided not to process it in time and instead at XXXX time decided to go out and try to harm my credit and all they wanted to do was to make sure they received a late fee, But, that's not all. They lied as said they tried to give me a heads up by phone, which was false. They did send a letter on XX/XX/XXXX that arrived on XX/XX/XXXX, so that I didn't have a chance to correct the error in time. I told them that I was on a fixed income and was retired and damaging my credit would really hurt me. And even though I immediately via phone sent another payment to Newrez at XXXX the day I received the letter, they're rude customer service didn't care.Their strategy is to harm your credit, so they you can go to another company and they can then practice preditory loaning practices, I will lastly add that I have perfect credit and was never late on payment to them, DO NOT DO BUSINESS WITH THESE GUYS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to Transunion, XXXX, and XXXX on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies Transunion, XXXX, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX  @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Product: Bank account or service

This is the complaint on the services in association with Comerica Bank, Comerica Bank XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX. 
This card is from Direct Express Treasury, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX. 
This debit card is required used for Social Security recipients. 
The complainant is a veteran and has both documented XXXX and XXXX diagnosed. 
This account has resulted in numerous card changes based on reported security problems, deficiencies, transactions problems. 
Transactions and withdrawals, cash back transactions have been swindled. 
Several fraudulent and many non receipted transactions have taken place. 
Complainant is XXXX XXXX. 
This card service is in need of investigations for fraud, other financial crimes, racketeering, swindling, financial problems. Predators, robbers, thieves, crooks willconjure, stalk, plan thefts against Social Security recipients, based on the receipt ofpayments on and around the first of the month and they know that recipients have debit cards. 
Complaints have likely been filed against these services in the past and are likely current. 
XXXX recipients may likely be victims of stalking, robberies, thefts, and other crimes associated with the Comerica Bank debit card account. 

To resolve this on going problem, investigations should be able to determine fraud, unwarranted surveillance practices, thefts, any other financial crimes, white collar, organized, financial, bank frauds, violations that are the result of this debit card required system. 
Customer services, merchants, ATMs, banks, may be responsible for problems, complaintsassociated with the use of the debit card system. 
Consumers who have been victimized by these fraudulent services need to be compensated andother financial services need to take the place of these fraudulent services. 

This institution is responsible for the insolvency and its many complaints that may or may not be documented. 
Banks closures are a recommended solution and will likely benefit the increasing continualfederal debt crisis as numerous other financial institutions have faced numerouslawsuits, litigations, rulings, cases, complaints, and the like.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.
Product: Debt collection

I am writing to address an urgent matter regarding the recent payment I made to settle the collection account on my credit report. Despite fulfilling my part of the agreement by promptly paying the balance due, I have discovered that the collection item has not been removed from my credit report as promised. 
To provide you with a brief overview of the situation, I recently reported pro collect to CFPB and was informed by them " The consumer was sent to collections on XX/XX/2022 from XXXX XXXX XXXX. The balance due is {$100.00}. The consumer was mailed a letter notifying the consumer of the debt due. The consumer 's dispute was reported and proof of debt will be mailed to the consumers mailing address. As a solution the consumer may call the office at XXXX ext. XXXX XXXX XXXX to pay the bill. As a courtesy Procollect will extend a courtesy deletion. Within 24-48 hours Procollect will furnish a paid in full letter via email or fax. Thank you for your time and patience in this matter '' We agreed on a resolution where I would make a payment and Procollect would extend a courtesy deletion, effectively removing the collection entry from my credit report. 

I made the payment in full, as per our agreement. However, I have since reviewed my credit report and found that the collection item is still listed, negatively impacting my credit score and financial standing. This discrepancy is causing me significant distress and concern, as I have taken proactive steps to address this matter in good faith. 
I kindly request your immediate attention to rectify this situation. As agreed, I expect Procollect to honor its commitment and promptly remove the collection item from my credit report. Additionally, I would appreciate receiving a paid in full letter via email or fax, as previously mentioned in our communication. 
Please understand that this issue is of utmost importance to me, and I expect a prompt and satisfactory resolution. I am confident that we can find a suitable resolution to this matter. 
I eagerly await your response and a prompt resolution to this issue. Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These false entries have severely disrupted my life, leading to considerable stress and worry. I must emphasize that I never gave permission for this information to be linked to my name, as I am a victim of identity theft.
Product: Credit card

I have several Kohl 's cash I have been trying to use because they expire on XXXX/XXXX/2016 ; XXXX/XXXX/2016 ; XXXX/XXXX/2016. 

I have been billed on my Kohl 's Capital One credit card {$9.00} for order # XXXX ; another {$9.00} for order # XXXX ; and yet another {$24.00} for order # XXXX. I received an email from Kohl 's representative XXXX XXXX XXXX stating " XXXX, I have verified that your order was cancelled due to information mismatch ''. Consequently, we re-entered the information correctly so there was no " mismatch ''. Still ca n't get the order processed before the Kohl 's cash expires. Very frustrating. Have over {$100.00} of Kohl 's cash that needs to be used.
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information was compromised due to a data breach involving [ Company Name ]. This breach resulted in [ describe the impacts, e.g., fraudulent accounts, unauthorized inquiries, or inaccurate information ] appearing on my credit report.

This incident violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires companies to ensure the security and accuracy of consumer information. The company failed to protect my data, allowing unauthorized parties to access and misuse my information.

Additionally, this breach indicates non-compliance with the FTC Safeguards Rule under the XXXX XXXX, which mandates that companies implement safeguards to protect consumer data. 

I have contacted the company to resolve these issues, but they have failed to take appropriate action.
Product: Debt collection

On XX/XX/2018 I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/2018 and was signed and delivered on XX/XX/2018. To which I never received any response and then today I go onto my credit report on XX/XX/2018 and see that they have been added to my credit files XXXX XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law. 

On top of all this then when I submitted a complaint via CFPB they had the audacity to say that I must have been looking at an inquiry on my credit report and that they had NOT reported it to the credit bureaus. ( see attached ) Which very clearly they have as you can see from the attached documentation of my credit file. 

Once again I expect this to be deleted from my credit file ASAP.
Product: Checking or savings account

OnXX/XX/XXXX my bank debit card was charged for {$99.00} for an app called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I did not authorize this purchase nor do I use this app for any purpose. I requested to have the funds refunded and the company wrote this to me : Hi, We received your refund request for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), but we ca n't provide a refund for this purchase because it does n't meet with our policy. We apologize for any inconvenience caused. 

You can learn more about our Google Play refund policies here. 

If you 're requesting refunds for an app ( or in-app purchase ), it 's best to get help directly from the app 's developer. You can find developer contact information on the app 's page in the Play Store under the " Developer '' section or on your order purchase receipt. 

To prevent accidental or unwanted purchases in the future, we recommend that you turn authentication on or change your password. 


Thanks, The Google Support Team
Product: Debt collection

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.
Product: Debt collection

This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although Americollect has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the XXXX major credit bureaus and it was removed from XXXX and XXXX but not XXXX. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to Americollect to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing Americollect can do. When I also reached out to Americollect via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked Americollect since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from Americollect. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and Americollect. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against Americollect and the provider, I want this collection removed ... immediately.
Product: Credit reporting or other personal consumer reports

i just recently looked at my credit report from experian and transuion on XXXX XXXX i saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. [ XXXX XXXX XXXX XX/XX/XXXX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ] XXXX. [ XXXX XXXX XXXX XX/XX/XXXX ] XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ] These inquiries have no permissible purpose to be on my report. Delete all inquiry due to violation of 15 USC 1681 B
Product: Credit reporting or other personal consumer reports

XXXX New York and Illinois offices are reporting false fraudulent and wrong info on my Experian XXXX and who knows who elses credit business. I have been forced to repeatedly and continuously submit complaints here and at appropriate state agencies for the instate illegal conduct. I am without hope and traumatized that this co is allowed to continuously and repeatedly and unfairly report and publish illegally and without stopping. The credit bureaus have a low standard of review to affirm a debt but they do not get to ignore my evidence and side with the co repeatedly and without stopping. This is illegal and wrong. Laws are being broken and ignored at the credit bureaus to affirm this debt and all info for no other reason than to hurt me and cause me to look bad. It is wrong. The exact date of this contract is XX/XX/XXXX. The exact date it became void and unenforceable is XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with BOA, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # XXXX.
Product: Credit reporting or other personal consumer reports

I will attach a copy of the snippet from my credit report. Its appears that XXXX did not correctly investigate for Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 


Status shows '' Not reported '' Recent Balance : " Not reported ' first reported : " date not reported '' date of status : " date not reported " This item should have been deleted after verification. Per XXXX no investigation was done. 
There is also remaining items disputed that should have been removed that have no status but are still currently reflected on XXXX 's credit report.

Hard inquiry XXXX XXXX XXXXXXXX, XXXXDont bank with or use XXXX XXXX XXXXXXXX. Never applied for any credit. Please remove. 

Names ; XXXX XXXX-never used or know by this name Address : XXXX XXXX XXXX XXXX Fl.- This is not a physcial address which means I never lived here,