23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the account listed below be blocked and deleted from my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be immediately removed from my credit file to prevent further damage to my credit. 
Account to be blocked and deleted : XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$17000.00}
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft, my former roommate opened XXXX XXXX XXXX XXXX accounts in my name and pretended to be me racking up thousands of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly XXXX years with no unemployment, no family, no friends and various XXXX XXXX issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LOST WAGES IN THE AMOUNT OF {$140000.00} WITHIN XXXX 30 DAYS BEFORE I REALLY FILE A LAWSUIT AGAINST UPON EXTRA PAYMENT OF {$30000.00} FOR LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENT ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE.
Product: Credit reporting or other personal consumer reports

As this debt is under dispute in accordance with the Fair Debt Collection Practices Act, it is imperative that you immediately cease all collection activities pertaining to this alleged debt. This includes any reporting to consumer reporting agencies such as XXXX, XXXX, and XXXX. 

I want to make it explicitly clear that you do not have my consent to communicate with me through any medium. Moreover, I did not authorize the disclosure of my personal and private information to your organization, which constitutes aggravated identity theft. Additionally, I did not consent to the reporting of information in my name to consumer reporting agencies. 
Furthermore, it has come to my attention that the original creditor is in violation of the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties without providing me with the requisite notice as outlined in section 6803, nor allowing me the opportunity to opt out pursuant to 15 USC 6802. Your involvement in this matter makes you an accomplice to this violation.

I demand that you furnish me with the " Aggravated Value Of Purchase, '' demonstrating how much you paid for this debt. It is crucial to note that attempting to collect any amount beyond what was paid for this debt constitutes a material misrepresentation, which amounts to fraud upon the court and is both false and misleading.
Product: Debt collection

XXXX XXXX  collection for medical debt this company have not verified this debt with me. Due to privavcy they have copies of XXXX  information with out hippa consent Please show and send a copy of the hippa consent bearing my signature
Product: Debt collection

On XX/XX/year>, XXXX XXXX, filed a civil lawsuit against me in XXXX XXXX XXXX XXXX in XXXX, where the judge ultimately ruled in their favor. I appealed the decision in XXXX XXXX XXXX XXXX. I am currently defending this lawsuit currently. The original XXXX nor XXXX never sent a validation notice to me about the debt. I have disputed the debt in court and with the debt collector and the debt collector continues to report the debt to the XXXX credit reporting agencies. Originally, the debt was {$12000.00}, but they are now reporting a higher amount of {$14000.00} to XXXX, XXXX, and XXXX. XXXX has violated South Dakota Codified Law 53-1-2, as well as federal laws 15 USC 1692j ( a ), 1692e ( 9 ), 1692e ( 14 ), and 1692i ( a ), and CFPB Section 1006.34 ( a ) ( 1 ).
Product: Money transfer, virtual currency, or money service

So i had a regular verification process in my paypal account, i submitted everything right on XX/XX/XXXX and then on XX/XX/XXXX they limited my account : Reference ID : XXXX, i contacted the support but no valid answers...
Product: Debt collection

the following account was once held by another collector. after sending in letter to previous collector to inform them the account is not mine. Previous collector responded with a letter to delete account collection. They complied and the account was removed from the collection agencies. Now this same debt is reporting on my account under a different Collection Agency and that the CBs deleted. New collection agency has not contacted me not letter no phone calls nothing! I was checking my credit report due to XXXX hack and came across this on my report. I have had to deal with XXXX and no help, they wo n't even look into the matter that, they continue to accuse me and I 'm letting them know they either misidentified someone or enter wrong information, however this is not me!!!
Product: Debt collection

Hi XXXX, Sunrise Credit Services ; I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein. also, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My complaint is with t he Barclaycard " Gold Card ' ' credit card, that prior t o   XXXX    2016 allowed Service Members to not pay the annual fee for the primary and additional users and receive a 0 % APR for duration of   XXXX   XXXX   XXXX  . After   XXXX    2016 the company changed its policy and stated that the previous requireme nt was null and void and now all  XXXX   XXXX  would be required to pay the annual fee of {$990.00} per year. This change greatly affects the terms and conditions that were presented when I activated my membership on  XXXX   XXXX   2016 . I have the letter stating that in  XXXX   2016 , I would not need to pay the annual fee, not pay an additional user fee and I would receive a 0 % APR for my duration on  XXXX   XXXX   XXXX . I thank you for your time, feedback and support.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX
Product: Mortgage

Father held a HELOC with Truist Bank. After after his death Executor tried to contact bank by phone, mail, email, and in person to update records. Eventually filed paperwork in person at branch office. When trying to make payments on this loan, was told there was no paperwork to verify death and executor. Back and forth for three plus months. Told HELOC was in foreclosure and given an attorney/collection agency to contact. Somehow the bank accepted a payment in prior month - the bank was finally able to find the paperwork. They accepted the payment, but not the payoff as the Executor was not on the phone call. They provided another number to call. When this was called, they could not accept a payment and forwarded another number ( for the foreclosure department ). When this number was called an an attempt was made to pay this off, was passed on to an attorney/collection agency.
Product: Debt collection

I received a call from XXXX, Consumer Financial Protection Bureau stating that was going to put on my Credit bureau report past due amount when I never signed on the contract. I also did not receive the mini miranda during the conversation until at the end of the conversation. XXXX was very rude, insulting and threating in tone and verbal conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written imstructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

XX/XX/2021 I purchased an XXXX XXXX  on XXXX for {$1600.00} XX/XX/2021 XXXX said my flight was null and void and i would be refunded. I was not refunded by merchant so i issued a billing dispute. 

XX/XX/2021 Issued a billing dispute due with Citi Citi credited my account at the time. However later they re-charged my card in XX/XX/2021 ( backdated to XXXX ) for amount of {$1500.00} meaning I had 1 credit and 2 charges on my card so I actually had paid for the flight XXXX had said was null and void. 

Contacted Citi in XX/XX/2021 reporting issue and they acknowledged I should not have been charged. Contacted them further in XXXX and XXXX and was told the issue was closed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. Experian has refused to promptly remove this fraudulent account. I spoke with a representative from Experian who informed me that this account would be blocked and removed. While other credit bureaus have promptly removed this fraudulent account without issue ( see attached proof ), Experian continues to report this inaccurate and damaging information. As an XXXXXXXX XXXX of the military, it is critical that this fraudulent account, which is a result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. This fraudulent account could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It hasbeen more than XXXX XXXX since I originally wrote them.
Product: Vehicle loan or lease

The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed. I called multiple times requesting updates, but each time I get the run around and a different answer. The check was mailed to an old address from a previous account that has been inactive for 3+ years. All requests and address verifications were for the XXXX Street address. This also brings up security issues. I believe this was retaliatory behavior. The company was not happy about the previous XXXX complaint it CFPB complaint ( XXXX ). This money is very important to help cover my monthly expenses due to a financial setback due to COVID-19. This company is incredibly reckless and should expedite this refund. As a consumer, I should not have to be penalized for their mistakes.
Product: Student loan

In just a short time my private loans ( XXXX ) now serviced thru Navient went from {$40000.00} up to XXXX. Now having exhausted my forbearance, my payment options are not affordable $ XXXX/month or $ XXXX/for 27 months only. I have no alternative but to wait for garnishment. They will not negotiate the amount or waiver on the 10 % interest being charged.
Product: Student loan

For over two months, we have gone to the website, XXXX, to try to pay off my son 's Perkins Loan. First 2 times I called and was given various info but wouldnt ' let me pay the loan payment because it 's my son 's account - I 'm his mom and I 'm on the loan papers ( which is ridiculous since I am giving them money, not trying to take it out! ). Secondly we can not get online because after 2 months, we still keep getting error messages ( see below ) that either tells us either the account is no longer with them ( but they do n't say where, why, what, anything ) or most of the time it still says it 's not available but try back later. So we mailed the payment in - it took 4 weeks to get credited for our payment XXXX XXXX for XXXX XXXX payment but posted XXXX XXXX ( it went to XXXX, XXXX, but the check is payable to XXXX, XXXX - we live right next to XXXX in XXXX, XXXX, but we ca n't take it there just to pay it faster, they wo n't take it ), then they submit that payment as a late payment to the credit agencies! We again have tried to call and pay or pay on the website but the hours are only XXXX-XXXX ET, Monday through Friday. During that time period we both work, and can not call them ( my son is in a XXXX, I work for the XXXX leaving the house at XXXX XXXX. and getting home anytime around XXXX XXXX. ) except the few times we tried to call at about XXXX XXXX, we were either put on hold forever or no one answers at all! When we try to pay online and it continues to indicate ( still after 2 months ) try back later? Now we have to mail it in again ( now it says a different company owns them - a XXXX company - ECSI? ) and now it will take them another 4 weeks to post and we will again get credited as a late payment! This is so frustrating! We have no answer why we ca n't pay online, and every time we call, either I get a road block or my son ( its his loan ) ca n't get someone to answer the phone. All we want to do is PAY THE LOAN OFF! and they are making it impossible and ruining credit scores at the same time!
Product: Debt collection

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$350.00} Account Date : XX/XX/year> I do not recognize this account and believe it was placed on my credit report without proper authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question, XXXX XXXX XXXX XXXX XXXX ), has yet as of, XX/XX/2023, to change status of a paid off auto loan from account charged off to paid in full. The account was paid off, directly inside the companies own branch, on the date of XX/XX/2023 at XXXX. I tried multiple attempts disputing this account on multiple credit reporting agencies and they have failed to investigate said debt even with receipt evidence showing this debt has been paid AND title being in hand. XXXX has been failing for nearly a month to correctly report this account as paid in full to credit reporting bureaus and even with receipt/title in hand is unwilling to update information regarding said account.
Product: Student loan

I attended XXXX XXXX XXXX around XX/XX/XXXX. During that time I was enrolled in the XXXX program. At the time I did not realize I was not given the option to decline the Peaks private loan or use all my Federal loans before taking out a private loan. The loan they had me sign for was original {$6800.00} and currently XXXX. After I attending for about a year I realized I made mistake and decided to drop my classes. Around the time I decided to drop my classes I signed for the Peaks private Loan. So I called to have the loan cancelled. At that time First Associate was servicing the loan, and I was told the school will cancel the loan and return monies. However, that did not happen. I decided to sue over loan in XX/XX/XXXX. However, I lost my case. Last year, I learned that XXXX was found guilty of predatory lending and unethical business practices which resulted in them closing all their institutions. I am requesting that this loan be dismiss due to the nature of its circumstances, that reporting be removed from my credit report, and my money return to me that I paid over the years.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a digital product for {$8.00}. I was charged {$2000.00}. I immediately filed a dispute with my credit card company as well as the Merchant. 

The Merchant stated they only ever received {$8.00}. The credit card company has acknowledged that this is correct. 

The credit card company has still not fixed this and every time I try to follow up I have to start from the beginning. Sometimes they put me on hold and eventually disconnect the call. I tried to contact the dispute department again today ( XX/XX/XXXX ) and was put on hold and then hung up on. 

I have done everything I have been asked. I do not know what more I can do.
Product: Debt collection

i cancelled my membership over the phone and i already talked to the owner about it they my gym membership was over. Apparently it didn't close. then they kept charging my card so i got a different card. this happened months after i stopped going and talked to them manager of the establishment. they kept charging the account and they contacted a debt collecting agency and now i owe XXXXXXXX XXXX  to something i haven't been using. all because they forgot to close my account. and i called them today as of XX/XX/year> they said they are under new management and can not help me
Product: Debt collection

I.Q DATA INTERNATIONAL dba : XXXX XXXX XXXX, VIOLATED STATE OF ARKANSAS CONSUMER LAWS. ATTACHED PLEASE FIND LAWSUIT BEING SERVE TO YOUR FIRM VIA CFPB PORTAL. SEE YOU IN COURT.
Product: Credit card or prepaid card

I entered a XXXX managment program with XXXX XXXX XXXX. They have sent a payment to XXXX and they processed the payment. They are now calling me harassing me about " past due '' amount which should not be. They accepted the check therefore they should have changed the payments and not charged me a late fee. They also should not be calling me.