23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXXa.k.aXXXX ( XXXX ) a.k.a. Federal Credit Corp. a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. XXXX XXXXcomplaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX ( XXXX ) sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX, phone : XXXX, fax : XXXXXXXXXXXX/XXXX/XXXX - XXXX permanently closed account per XXXX XXXX - Federal Credit Corp sent collection letter for {$10000.00} ; XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX permanently closed accountXXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX/XXXX and threatened legal action if $ 14,000+ debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXXXXXXXXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX - XXXX XXXX has no records of debt. Phone : XXXX, XXXX - XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX/XXXX claiming same as XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.
Product: Debt collection

On XX/XX/2021 at XXXX XXXX, a debt collection representative with the debt collection agency Hunter Warfield called my cell XXXX. The representative was very rude and being difficult with me. Because he was being so rude and difficult with me, I told them to never call my number again. After me saying this to him, he sighed and then hung up on me. Despite me telling them to desist calling me, they still call. The very next day they called again. XX/XX/2021 at XXXX XXXX  is the date they called me again. Then Hunter Warfield called me again on XX/XX/2021 at XXXX. This is a FDCPA ( Fair Debt Collection Practices Act ) violation. Hunter Warfield is able to be sued for up to {$1000.00} for each violation now. I Record all of my calls with a call recording app, and your lines say the calls are recorded as well. So if I take Hunter Warfield to court, they are required to furnish those recordings to the judge. The debt collection representative didn't read the mini Miranda too!! Hunter Warfield is violating my rights! Also the company from which this balance originated from did not give me a chance, or any options to pay any balance down before just sending something to a debt collector. Also, I left that apartment complex because they had apartments filled with SEWAGE AND IT WAS MAKING ME SICK!!! XXXX XXXX ADVISED ME TO LEAVE IT ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX submitting this CFPB complaint once again, to remind the Credit Reporting Agencies of their indifference and laziness to correct my Credit File thus resulting to the disputed fraudulent accounts still reporting on my Credit File. This is my 7th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the Credit Bureaus to remove the following items completely from my Credit File ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25.00}. Also, the Credit Bureaus have been claiming that the disputed items have been verified and yet they have failed to send me copies of documents proving their Verification or documents bearing my signature. Despite the lack of evidence, the credit Bureaus are still reporting the disputed accounts on my Credit File which is a violation of a consumer 's rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, several fraudulent accounts have been added to my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit report. 
Fraudulent Accounts : XXXX. XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

This complaint is directed at XXXX XXXX XXXX, This corporation has been falsely reporting and illegally reporting and providing private information to 3rd party affiliate which is direct violation of the stated USC listed in this complaint. I've also requested to opt out on multiple occasions to no avail. 
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( Pub. L. 106102, title V, 501, Nov. 12, 1999, 113 Stat. 1436 ; Pub. L. 111203, title X, 1093 ( 1 ), July 21, 2010, 124 Stat. 2095. )
Product: Payday loan

I never received any documentation regarding my loan via email or mail. Every time I call to find out what I owe and how much will be taken out of my account I am told a different amount. I would like clear and documented information reguarding my loan. I took out a loan for {$500.00} and was charged {$150.00} for the loan. Two weeks later {$170.00} was taken out of my account. Although I was told on the phone it would be {$150.00} and then later told over the phone it was going to be {$160.00}. 

When I called today to inquire about the balance I was told that the balance was {$610.00}. And they would be taking {$160.00} out of my account in a week. The fact that I have no documention of taking out the loan interest and no documention of payments made to date towards the balance and remaining balance made me suspicious. 

I checked with the XXXX and consumer finance and could not get any information about this company Zoom to cash / Zoom direct. When I called my bank I was informed that the money was taken out of my account by Zoom Marketing. The use of multiple names, lack of documentation regarding my loan and failed attempt to legitimize this company has caused great concern. I am afraid that an illegitimate organization has all of my personal information and gained access to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain Technology is incorrectly reporting a balance of {$400.00} on a line of credit I had with them. The credit limit is {$400.00} and has been exceeded by the {$7.00}, but I personally secured {$200.00} of thw {$400.00} credit linit with my own money. Since they have reported the account as a charge off, the balance due is not {$400.00}, they should either credit the {$200.00} that I personally secured to the due {$400.00} and which correcrly leaves a balance due or return my {$200.00} I paid into or secured within the {$400.00} credit limit. Either way, the correct due balance is {$200.00} not {$400.00} for reasons I've previously mentioned. Grain Technology must correctly report these corrections to all three credit bureaus immediately as incorrectly reporting this account damages my credit and quality of life.
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 : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Equifax Credit Report Upon reviewing my Equifax credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or 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 the results 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. and according to 15 USC 1681s-2 they are suppose to nor 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

Because of the the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 

Because of these data breaches, on XX/XX/year>, I received a notification from my Bank saying there was an update on my credit report. Upon further investigation, I was notified that a new address that does not belong to me was added to my credit report by my student loan servicer. My bank connected me to XXXX to file a dispute. When I tried to file a dispute with XXXX, I received a message from XXXX saying that I need to file a complaint with my student loan servicer. I reach out to my Student Loan Servicer to ask for them to remove the false information from my credit report ( s ) due to the onset of these data breaches, but I have been met with no response or update on possible theft my identity and personal account information.
Product: Credit reporting

Experian did not clearly explain why my dispute was not honored. Also, I was not able to upload attached dispute documents on Experian site.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered thatMeade & Associates, XXXX furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Payday loan, title loan, or personal loan

Golden Valley Lending sent me a letter dated XX/XX/2020. I received the letter from Golden Valley Lending on XX/XX/2020. The letter stated that there was an unresolved balance on the account. I called Golden Valley Lending on XX/XX/2020 @ XXXX. And spoke to XXXX a customer service representative at Golden Valley Lending to inform him that I had been the victim of fraud and that my identity had been compromised. He stated the the funds had gone into a XXXX  XXXX XXXX account but couldnt disclose the amount. 
He immediately asked me to send an email to the complaints department. On XX/XX/2020 I was contacted by Golden Valley Lending XXXX XXXX VP of Golden Valley Lending Complience via email at which it was disclosed that the loan was taken out for the amount of XXXX dollars. 
The email had an affidavit attached for me to fill out and notarize. Since my correspondence with Golden Valley Lending I have done the following : 1- Contacted my bank to confirm any fund transfers from Golden Valley Lending. There were none.

2- Contacted XXXX Police to file a report 3- Contacted XXXX XXXX XXXX to see if there was an account opened in my name. There was no account in my name opened.

4- Contacted credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked bureaus to do a thorough investigation of my credit files due to improper inaccuracies on my credit report. The credit bureaus responded back to me that they found no improper inaccuracies in my credit files. However, even after their investigation was completed I still found the same improper inaccuracies in my credit files. 

The account name is XXXX XXXX The account number is Account # XXXX And XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U. S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction, or consent
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits.This issue aligns with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these are unfair and request an investigation into my account transactions.
Product: Prepaid card

On XX/XX/XXXX, I called way2 go to file disputes about some charges that was on my ePay card that I did not recognize I had no way of sending them information and I have tried several times to call and reach a representative and I have not been successful and they did not resolve my dispute also I have additional documentation to attach ( police report ). I just want my refund!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXXXXXX XXXX XXXX XXXXXXXX ( page 5 ), XXXX XXXX XXXX ( page 7 ), XXXX XXXX XXXX XXXX page 10 ), XXXX XXXX XXXX XXXXXXXX XXXX page 25 ), XXXX XXXXXXXX XXXX page 32 ). 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries have violated my rights : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX ( XX/XX/XXXX ), EXPERIAN XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX NA ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal data has violated my rights : XXXX XXXX XXXX XXXX XXXX TX, XXXX ( I have never lived here ), ( XXXX ) XXXX ( this has never been my phone number ), XXXX ( this is not my spouse/ co-applicant 's name ). 


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 an account without my written instructions.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

As THE ORIGINAL CREDITOR and XXXX XXXX XXXX I reviewed my credit file aand there a four inaccurate and unverfied accounts being reported to my account negatively by the credit bureau XXXX. 

This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
LVNV, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX are all third-party debt collectors whom 15 usc 1692f ( 1 ) have no right to collect nor furnish my federally protected consumer information.
Product: Checking or savings account

On XX/XX/XXXX I went into a Bank of America Branch located XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX to change a {$4000.00} check paid to me by my employer and they kept my check on hold and since then I dont have my money. Ive gone to the branch and they wont give me any information. I did receive a letter saying that the funds werent gon na be deposited into my account. They want a 3rd party to claim the money.
Product: Credit reporting or other personal consumer reports

While checking my XXXX Credit Report, I noticed two pieces of information which are fraud and incorrect. Following are the two : 1. Address- XXXX XXXX XXXX XXXX, CA XXXX 2. Employers- XXXX XXXX XXXX Also, while checking my XXXX  Credit Report, I noticed two pieces of information which are fraud and incorrect. Following are the two : 1. Address- XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2. Address- XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX attempting to collect on {$370.00} allegedly from XXXX. On XXXX/XXXX/XXXX I sent by certified mail ( with signature confirmed delivery of XXXX/XXXX/XXXX ) a letter requesting explanation for alleged debt. They did not respond. On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from Convergent Outsourcing , Inc for the same debt. On XXXX/XXXX/XXXX I sent another request for explanation which also was not responded to. On XXXX/XXXX/XXXX I received another collection notice from Convergent. 

To my knowledge I have never had a XXXX bill sent to collections ( my credit history confirms this ). I do not currently have a XXXX account.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX, XXXX XXXX, and Syncb for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law