23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing regarding a retail installment contract with XXXX XXXX XXXX ( hereinafter referred to as XXXX ). I purchased a vacation discount club package with XXXX in XX/XX/2018 for the purchase price of {$4800.00}. The contract provided a membership in XXXX for 30 years. XXXX made promises to me for a variety of services which would continue for the 30-year membership. XXXX is now out of business. 
Apparently, XXXX assigned the contract to Monterrey Financial Services. Because of XXXX insolvency, there has been a failure of consideration as I am no longer required to continue this debt obligation. Monterrey recourse is against XXXX. Monterrey has taken any to impugn my credit, and are now in violation of the Fair Debt Collection Practices Act. I have tried numerous times to contact XXXX to get confirmation that my account is closed and have been unable to reach anyone. I have spoken to the fulfillment company Save On resorts who responded to me on behalf of XXXX  which I did not understand, but I have attached a copy of there response to this request as well. In short they where unable to contact anyone at XXXX and informed me that Monterrey would be able to close my account. Unfortunately Monterrey will not close the account and are holding me liable to pay for a service that is not available to me. I reached out to an Attorney who was able to serve Monterrey with a cease and desist but that did not stop them from finding new methods of harassment. This is a crime. I was able to get them removed off my credit report when they first attempted to post something derogatory against me, but they have since come back and changed the name of their company in order to re-post the negative statement on my credit report. They have changed the name of the original creditor and their name to keep the post on each time I dispute it. They did not sell it to another company, because they keep the name Monterrey in the naming convention. They are also damaging my credit because I have refused to pay for a service that I am unable to use nor have any interest in. But because I have been unable to speak to anyone with XXXX, Monterrey will not close out my account.
Product: Prepaid card

I have been rushcard member since 2008 and I stopped using it for awhile after the big issue they had before but a friend said if you do direct deposit you 'll get funds a day in advance. So i reactivated it, first direct deposit went through but todays didnt and i banked on getting that money for gas and food and i havent even made it to work and is on hold with them as im writing this 2 hours now. This company should not be allowed to play with people hard earned money and thank XXXX i didnt deposit my whole payroll check or id be in hospital for having a XXXX XXXX. Its not right!!!!
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts and provide me with the method of verification, as well as whom they spoke to at each creditor. They sent correspondence back stating everything was verified and correct and no information on how information was verified. 
Account name : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. I have enclosed copies of my report with the inaccurate information.

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 card or prepaid card

On XX/XX/XXXX I applied for a pre-approved credit card offer and got approved for $ XXXX credit limit. As of today I have never been sent the card although Ive spoken to several people at FirstTech Federal Credit Union who have confirmed my approval. Furthermore, Ive been the victim of abusive behavior by their representatives who, instead of helping me find out about my card, processed more applications without my consent for other products. This happened when I called XX/XX/XXXX and XX/XX/XXXX. Multiple applications were processed : XXXX, XXXX, XXXX, all I wanted ( still waiting for ) is the card they approved me for.
Product: Payday loan

Speedcash is still trying to get more money from me and I paid them all of there money. I do n't know what to do do they will leave me alone.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX XXXX XXXX XX/XX/2024 PORTOFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number : XXXX Subject : Debt validation and Purchase agreement I am writing to dispute a debt that you are attending to collect from me. 
This letter does not impty that I refuse to pay this debt, I request th validation and verification from you pursuant to th Fais Debt Collection Practics Act ( FDCPA ). 
I would like you to provide me with a detailled explanation of debt from the original creditor, including the last billing statement, the date the original creditor claimed the delinquent. 
I would also like to request that you provide me with proof that you have the right or you are licenced to collect on this debt in my state. 
Under the FDCPA, I am requesting that you provide me with this information within 30 days of receiving this letter. 
Please cease any credit bureau reporting until debt has been validated by me as required under FCRA. 
Thank you for your attention to this matter. 


Sincerely XXXX XXXX
Product: Debt collection

I have sent a certified letter along with proof ( my passport visas and entry to country ) that I was not the person who did the charge that National Services Bureau is reporting. This is a case of stolen Identity and I have requested them to remove to no avail. 
The amount is {$2900.00} The date of the XX/XX/2016 I can send a copy of my paapsot that shows I was NOT in the US when the charge occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX
Product: Credit reporting

I 've had XXXX different fico scores for the past XXXX months from XXXX differentcompanies. 
XXXX ( via XXXX card ) = XXXX, XXXX ( via auto dealer ) = XXXX, Equifax ( via XXXX ) = XXXXI was denied credit from the XXXX due to my fico scorechecked by them. I 'm a XXXX in need of a used car and ca n't get itbecause of my fico score.
Product: Debt collection

This debit is being reviewed with the health insurance company the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
This is a surprise medical bill from XXXX XXXX. I was rushed to the emergency room on XX/XX/2020. The entire time I was in ER at XXXX I was on morphine for pain. I was not in a state of mind to sign any documents, I did relay that to the staff in the ER. I stated that I do not have the funds to pay for the emergency room stay and told the nurses that I would like to leave. I did not expect that I would be rushed into XXXX because of my appendix. After the XXXX, I stated that I would like to go home because I knew that the hospital bill was going to be too expensive. The staff at XXXX XXXX stated that due to XXXX XXXX I can not have any family members come to the hospital and the doctor can not discharge me until a post-op test. 
Someone from the financial department with XXXX XXXX talked with me and told me to sign paperwork that I was not in a state of mind to sign. I recall telling her that I do not have money to pay for the emergency room visit. The staff stated that the state of California insurance should help with some of the cost. This bill was sent to collection for {$38000.00} it was a result of an emergency procedure when I was rushed to the emergency room in XXXX this was not expected I was told that my insurance would be able to cover the cost of some of the cost because I had no income at the time and was on the state of California XXXX plan. I am still in talks with XXXX about them covering some of the cost of this medical bill. I am protected against this surprise medical bill because I have coverage through XXXX. 
XXXX XXXX sent the medical bill to a collection company XXXX XXXX which continues to report a new amount every month.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EQUIFAX FILE NUMBER RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that trafficking. 

Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid IDs , and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

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

In accordance with 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. Account number : XXXX XXXX XXXX XXXX  Account number : XXXX // XXXX XXXX Account XXXX XXXX Billing Account number : XXXX Has violated my rights. 

15 USC 1681 section 602 A. 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 an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years.

15 USC 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. 




In accordance with Fair Credit Reporting Act, Original creditor : 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. XXXX XXXX XXXX. Account number : XXXX Needs to be updated late needs to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX, I am writing to dispute multiple accounts listed on my credit report as " Charge Off. '' The disputed accounts are : Account 1 : WELLS FARGO CARD SERVICES, XXXX, XX/XX/XXXX2024 Account 2 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 Account 3 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 Account 4 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 The basis for this dispute is that a Charge Off is considered " income '' for the creditor, and " income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code.

According to the Internal Revenue Code, 26 U.S.C. 451, a Charge Off is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report.

The FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a Charge Off is considered income to the creditor, it does not meet the criteria for reporting on a credit report.

Furthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a Charge Off as a debt is inaccurate and misleading.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX ( XXXX  ) XX/XX/XXXX Please remove this from my credit line as soon as possible. 

XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX Please remove this from my credit line as soon as possible. 

XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX Please remove this from my credit line as soon as possible. 

XXXX. XXXX ( XXXX ) XX/XX/XXXX Please remove this from my credit line as soon as possible. 

XXXX. XXXX XXXX ( XXXX  ) XX/XX/XXXX Please remove this from my credit line as soon as possible.
Product: Credit reporting or other personal consumer reports

Affirm has placed a late payment on my consumer report and my account is not late. I have not had this account in years and it is in direct violation of my report. The FCRA states maximum possible accuracy must be present and I wasnt notified 21 days before the end of the statement. This item need to be removed immediately or I will have to litigate.
Product: Checking or savings account

I had XXXX credits to be given to me from TD Bank of {$400.00} and {$330.00} and the bank said they credited me but never did. The bank said the XXXX was not posted but it was a transaction made for XX/XX/XXXX and the merchant said that they had credited me for this purchase I did not use but calls to the bank do no good. The bank refuses to put the bills for these into my account but the vendor claims he cancelled both of them so the vendor said the bank is holding my money that the vendor gave back.
Product: Debt collection

Debt to XXXX was satisfied when account was closed and all equipment was returned, XXXX 2014. NO further contact from XXXX XXXX, however, 13 months later this " collection '' shows up on on my credit report. NO prior written or phone communication. I have attempted to contact this Debt Collector and can not get any information pertaining to my account from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 any consumer reporting agency if the person knows or has reasonable to believe that the information is inaccurate.
Product: Mortgage

This is my second complaint. This will be month XXXX of our payments from FL XXXX XXXX XXXXXXXX not being applied to our loan. There is proof that XXXX is sending checks, but they are not reaching account or being applied. I am waiting as long as I can during the month to give Caliber time to apply the funds, but this is now over 60 days without any payments applied to account. I am not able to pay, that is why I qualify for the assistance. This is my wits end. My first payment from XXXX was applied to my home loan in XXXX, so I know that the system works. Caliber is not doing the leg work to assure my funds from XXXX are applied and I have heard this from many other people who deal with them as their lender as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and had my personal data listed in an easily stolen format. My SSN and credit history are now possibly in the hands of criminal hackers.
Product: Credit reporting or other personal consumer reports

" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANKS XXXX XXXX XXXX XXXX XXXX XXXX -XXXX Inquires -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 BANK XXXX XXXX XXXX - XXXX -XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate XXXX According to the fair credit reporting act 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 according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.
Product: Debt collection

I have XXXX as an Insurance provider I 've always been insured by XXXX. XXXX has always paid any bill I 've had. During this time in Question I was insured by XXXX. It is AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED BY XXXX FOR OUT OF POCKET EXPENSES. If I had a bill I would 've definitely sent it to my insurance company who paid any other bills I had.
Product: Credit reporting or other personal consumer reports

Equifax is still reporting a closed account as active. 
Please follow up with Equifax credit reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

received two un solicited inquiries through XXXX one from TD Bank in XXXX XXXX ME nd one from XXXX XXXX XXXX in XXXX XXXX TX on XX/XX/2022. Reported incident to XXXX nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information reporting on my credit report, I've contacted the company numerous amounts of times in trying to get this information corrected but still reports the information as verified when the actual creditors don't show the same information.
Product: Checking or savings account

Hola, 
Mi nombre es Diana Michos amablemente ped al banco chase J.P. Morgan que se encargar de un fraude ocurrido en el mes de junio 06/10/2021 y nunca resolvi el problema al contrario dejaron que $1000.00 se desvaneciera de mi cuenta de ahorros por una equivocacin del banco pido de favor como nueva y soltera madre de familia, y ms en el estado que me encuentro no puedo hacer mucho tuve una cesrea de 30 puntos y con lgrimas en mis ojos pido a este departamento que me ayuden yo no tengo dinero para sustentar a mi bebe y el banco chase nunca quiso escuchar mis ruegos quiero que se investigue inmediatamente o si no estar muy pronto en la calle con un bebe de tres meses de nacido !!
Product: Checking or savings account

Financial digital crimes lately with my personal checking/saving and business bank of America accounts , claims closed and denied