23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As ascribed and written to Midwest Recovery Services : To Whom It May Concern : THIS IS NOT MY DEBT. MORE IMPORTANT, I AM NOT AWARE OF YOUR ORGANIZATION OR CLIENT. Effective XX/XX/XXXX, under the Fair Debt Collection Practices Act, there has been no debt letter, confirmation of debt or opportunity to rebut alleged debt. Furthermore, noticed this collection on personal credit report. After a request for debt validation, this errant reporting constitutes an illegal continuation of collection activity. Again, since there was no opportunity to challenge or validate this debt ; under section 809 (  b ) of the FDCPA, following a request for debt validation, collection agencies must cease its collection effort ( s ). 

Your organization is in violation of the FCPDA, and subject to fines of {$1000.00}. Plus, actual damages and attorneys fees, which I opt to collect ( via small claims court ). This illegal collection activity has caused severe problems ; thus, prospective awards-resulting from damages incurred-need be substantial. 

Again, the Fair Credit Reporting Act ( FCRA ) does not allow inaccurate reporting of information on a credit report. Therefore, if not IMMEDIATELY removed, your organization is subject to aggressive punitive action. Your legal staff will agree that non-compliance with this request places you your organization in serious legal jeopardy. 

Finally, in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), that you are liable for willful non-compliance. Failure to provide original contract, without any alterations, mark, stamps and bearing my original signature has resulted in a claims action against Midwest Recovery Systems. I now seek {$5000.00} ( XXXX XXXX dollars ) in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act as applicable. 

Failure to satisfy this request in accordance with the legal principals of estoppel is understood as a waiver of any and all claims against me ; and facilitates a tacit agreement to compensate me for costs and attorney fees. 

NOTE : YOU MAY NOT CALL. ANY CORRESPONDENCE NEED BE WRITTEN. ALSO, MIDWEST RECOVERY SERVICE IS NOT LICENSED TO CONDUCT COLLECTION ACTIVITY IN OHIO. MOREOVER, DUE TO SIMILAR UNRESOLVED COMPLAINTS ( AGAINST MIDWEST RECOVERY SERVICES ), THE BBB HAS REVOKED ITS PARTICIPATION. 

Cordially, XXXX XXXX XXXX Cc : Credit Reporting Agencies and Bureaus : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Equifax Information Services, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXX XXXX XXXX XXXX XXXX XXXX .States I have the right to privacy XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) 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 more than XXXX XXXX XXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Additionally, I need Equifax to disclose the complete account number and send me a letter with the full account number, That Equifax denied as per my phone call Thank you XXXX XXXX Delete this account ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

collection account closed an paid collection company did not remove the collection from all XXXX credit beareus in a timely matter from my credit report..they have it in writing that its removed but only shows on XXXX XXXX
Product: Debt collection

XX/XX/XXXX {$370.00} Alltran Financial , LP claims there is an unpaid lease charges reported by XXXX XXXX XXXX. Alltran Financial claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX all obligations have been fulfilled and their record shows a zero balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from Alltran Financial , LP, and confirmed my lease payment has been fulfilled and account was closed since then.
Product: Checking or savings account

I was robbed at XXXX XXXX  and had everything taken from me including my wallet along with identification and ss #. I have a police report as records and from thus robbery accounts was opened up in fraud in my name and was put in chex systems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX ) Payment Status : Collection/Chargeoff/last reported : XX/XX/XXXX Date Opened : XXXX Account Status : Derogatory Amount : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off account Auto
Product: Credit reporting, credit repair services, or other personal consumer reports

On or the month of XX/XX/2020 I made a order from kohls using my credit card ... I had noticed that my order had not came in this was during the height o corona virus I tried calling kohls over and over again to check on my order but was never able to speak with anyone because their system was so flooded with calls so I figured I had not received my product because everything had slowed down do to the pandemic around mid XXXX I checked my credit report and I saw where kohls had put a bad report for none payment on my credit report I contacted kohls ask them to explain why did they put incorrect info on my credit report I asked them how do I owe u a bill for something I never receive that I never received my product and that I called and called to check on my product and because their phone system was flooded with so, any calls there would either be hours of wait time or they ere only allowing so many calls into their system.I explained to the representative that I had been trying to get my product and why did kohls never sent me a bill or never called me saying I owe this bill I was told to pay the bill and all my money would be returned and that they would correct the problem with the credit reporting agent..kohls sent me a check for my full amount but never correct the negative on my credit report ... .I am asking that kohls remove the negative info from my report because I have did nothing wrong ... it was kohls who didnt do their job its kohls who did not send me my product but expected me to pay for products that I never received ... is was kohls who, did the research and realized that I did not get my product and returned me all of my money for a product I did not receive even tho they know I am correct because they agreed and refunded me my money but they still refuse to remove the negative lie that they put on my reports and that is against they law to put negative info on someone report .I am asking kohls to, please remove their negative info like they said they would 3 months ago
Product: Debt collection

I had a set of dentures made and they did not fit properly, I returned to the dentist and explained the problem. After several unsucessful attempts to correct the improperly made denture, I was toldthey were unwilling to repair them and the dentist admitted there was a problem but they were unwilling to make any further attempt to correct them and I would have to live with the improperly made denture. I was unable to swallow or eat with them in my mouth. I finally went to a different dentist who told me to NOT wear them because they would cause damage to my mouth because they were not made properly and did not fit in my mouth correctly! I had an unpaid balance and contacted the office and told them I was unwilling to pay anymore for teeth that did not fit. I asked for a full refund of what I had already paid and they refused and sent the bill to collection. I still have the teeth which i am unable to use. I paid almost {$2000.00} for something that was made wrong
Product: Debt collection

I moved homes in XXXX and called XXXX to install an alarm system. The salesman came to my home and sold me an alarm. It was installed by replacing the exisitng alarm control panels with XXXX panels a few weeks later. I had signed a 2 year contract for montoring for a total of {$1100.00} paid monthly. After a few weeks.of use my wife came home and opened the front door and we found the alarm never worked when she open the door, as typically we came through the garage entrance. We contacted XXXX and they sent us an engineer who told us that the sensors in the front door werent working and we need to have then rewired. When the engineer checked the rest of the home and he told use that the whole house need to be rewired the alarm to work. The XXXX salesman came our house again and told us we would need to.spend a further {$2200.00} for wiring with fronts, side, patio, garages doors and window sensors. We complained that this should have been expalined ahead us signing the contract and so they sent us a 2nd senior sales manager to our home. He agreed that XXXX engineers couldnt have tested the alarm system on the initial visit and said he would discount the sensors and wiring to {$1700.00}. We respectfully declined the offer given we had all the expenses of moving to a new home. He told us that he would have the contract cancelled and apologized for the issue. A few months later we started to recieve bills from XXXX for alarm monitoring and we called several times giving our explanation and were told someone would be back in contact. Many calls and bills later, we found out that Sales Manager had left XXXX. Eventially we were presented with a demand for the 2 year montoring fee in full. We tried to raise this within XXXX but there customer service team has 1 escaltion route to another team that has no discretion, no power and simply stated we " signed '' a contract. XXXX passed this to Apelles LLC debt collection in XXXX after 4 yearrs of disputing the demands. Apelles were initally understanding of our postion, which we disputed within 30 days of them contacting us, and then we found they had registered a debt against us. Today, 4 years on, we still have the alarm system in place as originally installed by XXXX, still not working as proof of how they left us. Extremely frustrated at how companies like XXXX are allowed to treat customers with such lack of care and no mechansim to get to Senior people who would be able to listen and hear. Shame on you XXXX.
Product: Credit card or prepaid card

COMENITY BANK IS RIPPING PEOPLE OFF IN FEES AND INTEREST. I HAVE HAD XXXX CREDIT CARDS OWNED BY COMENITY BANK. WHEN I PAY THEM OFF EACH MONTH, I GET A BILL FOR {$2.00} INTEREST ... ..I CALL AND COMPLAIN. A FEW TIMES THEY TOOK OFF THE CHARGE. ONCE IT WAS XXXX INTEREST BUT MINIMUM YOU CAN PAY IS {$2.00}!!!! I ENDED UP CLOSING ALL OF MY ACCOUNTS WITH COMENITY BANK. 
I NOW HAVE A XXXX XXXX XXXX THAT WAS SOLD TO COMENITY BANK ... .OMG! NOW BEFORE I CAN EVEN MAKE MY PAYMENT BEFORE THE DUE DATE, MY DOLLAR AMOUNT HAS GONE UP FROM THE STATEMENT AMOUNT... ALL WITHIN 10 DAYS! 
WHAT'S WORSE, ARE SEVERAL PEOPLE ARE SAYING THE SAME THING ABOUT THIS UNETHICAL COMENITY BANK PRACTICE! 
PLEASE INVESTIGATE THIS COMPANY FOR THE WELL BEING OF THE AMERICAN PEOPLE ... .THEY ARE DOING SOME FOUL AND UNETHICAL TREATMENT TO THEIR CLIENTS!
Product: Debt collection

I went to cancel service with XXXX, I was not under a contract. THey ( XXXX ) told me I would have to pay the amount I owed still on the phone. This was fine with me. About a month later ( XX/XX/2015 ) i started getting calls from XXXX, stating that I owed over {$1000.00} dollars due to early termination of my contract. I went to the store to ask them to show me the contract that i signed, but they could not show me one ( because one doesnt exist ) Now 3 years later im getting collection calls for {$1300.00} from XXXX. I reached out to XXXX repetitively to try and get this solved with no luck. I tried disputing the collection with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always had my student loan on automatic payment via ACS/  XXXX   XXXX   XXXX   .  I have never missed a payment. They failed to do the automatic withdrawal in   XXXX    2016 and     XXXX    2016. I attem pted to log into my account and it said " this account does n't exist ''. When I called to make them aware they were no assistance and did not fix the problem. I ended up having to call again and make a payment over the phone. My credit report shows no 30 day late y et one 60 day late. That is not even possible to be 60 days late without being 30. They were quick to charge me late fees and tell me they would be correct my account and still have not.
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 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 
NAMES, ADDRESSES, EMPLOYERS, COLLECTIONS, XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CLOSED ACCOUNTS, XXXX XXXX  XXXX CHARGE OFFS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES, XXXX XXXX XXXX XXXX XXXX |XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give Global Lending Services nor XXXX XXXX authorization to check my credit nor provide them with my personal information. Global Lending Service did not do thier due diligence by requesting a copy of a credit report from XXXX XXXX that bares my signature proving I authorized them check my credit. I have been in contact with Global Lending Services and XXXX XXXX, niether has produce a credit application with my signature. XXXX XXXX told me that they are not giving out me personal info. They told me someone stole my indenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am including a copy of 15 U.S. Code 1681 ( a ) ( 2 ) as it pertains to a fraudulent account that is still showing up on my Experian credit report. The account in question is XXXX XXXXXXXX XXXX XXXX. I would like to note that this account was removed from both my XXXX and XXXX reports. Also this account is reporting an address of XXXX XXXX XXXX XXXX XXXX XXXXY, CA XXXX, and not only is this reporting a violation of the law that I am attaching ... the bigger problem is that I sent an Investigation request letter to Experian asking that this account be removed should it not be valid. Not only is this account not valid... it is reporting an address that dosent even exist. Which means that Experian didn't do a proper investigation. For these reasons I kindly request that this item is immediately removed from my credit report, and that this false address gets removed from my report as well. A quick XXXX search will prove that this is not a valid address and listing it on my credit report is a violation of my rights.
Product: Vehicle loan or lease

My new auto purchase of a XXXX XXXX was financed through Truist by XXXX XXXX. I've dealt with XXXX before, so had no concerns. I was told it was a simple interest loan with no pre-payment penalty ( partial or in full ). I've been make more than the regular monthly payment since the loan began and each time the due date is being advanced, as in future interest collected, and principal not being reduced accordingly. Customer Service attempts to correct was met with " I don't know how it's done, but this is the way it is .... ''. I finally reached an executive level complaint person after complaining through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sadly, she understood my confusion but was not any better at explaining how interest is calculated. She advised that the ONLY way to make a true principal reduction was to go to branch rather than paying online. This seems incredible stupid, but I did that on XX/XX/XXXX. I went to a local branch after paying the amount that was due on the statement early in the month and made a {$1000.00} principal reduction. I stressed to the tell that this was NOT a payment, but a PRINCIPAL REDUCTION. I got a receipt for {$1000.00} as principal reduction. On my last statement that payment was applied as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CLEARLY NOT PRINCIPAL REDUCTION. THIS IS A SCAM AND I WANT IT CHECKED INTO. It is IMPOSSIBLE to speak to a Truist person with any authority or knowledge. 

I am mad!
Product: Debt collection

CFPB Complaint Date : XX/XX/year> Fair Debt Collection Practices Act ( FDCPA ) Violation Hello, This letter serves as a formal complaint regarding your violation of the Fair Debt Collection Practices Act ( FDCPA ) in your collection attempts on a reported debt. 
Specific Violations : XXXX. Failure to Provide Validation Information : You have not provided me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to assess the debt 's legitimacy.

2. Denial of Dispute Opportunity : You have not provided me with a fair and meaningful opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

3. Deceptive and Misleading Practices : Your actions constitute a violation of the FDCPA 's prohibition on using false, misleading, or deceptive means in debt collection activities ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ) ).

4. Furnishing Incomplete Information to Credit Reporting Agencies : You placed a collection on my credit report without providing the necessary disclosures required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ).

Request for Action : 1. Cease and Desist all Communication : I am revoking my consent for you to communicate with me through any means, including phone calls, text messages, or emails. All future communication must be made through certified mail.

2. Debt Validation : I demand complete validation of the alleged debt, including : * A copy of the original creditor agreement.

* Proof of assignment of the debt from the original creditor to XXXX XXXX XXXX. 
* An itemized statement of the debt, including dates of service and charges.

3. Proof of Licensure and Bonding : Please provide documentation proving your licensure and bonding to collect debts in my state.

I expect a prompt response to this complaint and a resolution to the violations listed above. If I do not receive a satisfactory response within 30 days, I will be forced to pursue further legal action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), filing a complaint with the Federal Trade Commission ( FTC ), and/or seeking legal counsel. 
Sincerely, XXXX XXXX XXXX Account Name : LVNV FUNDING LLC Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried online and in writing to remove fraud alert and XXXX, XXXX and TransUnion will not remove them. Im unable to obtain certain security government clearance for jobs.
Product: Checking or savings account

A customer charged back a wire without consenting me I agreed to return the funds but by that time the bank put a hold on all my funds. I need access to my money i have bills to pay, workers owed, and all these people have families. You guys are crushing my business.