23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is issue is about a debt that the creditor claims that I owe to them. they are using abusive and threatening tactics to attempt to make me pay. they have been sending me letters and calling me every week for the last two years. I proclaim that I have not signed any contract with this organization past or present, The Fair Debt Collection Practices Act says that a debt collector may not engage in any conduct the natural consequence of which is to harass oppress, or abuse any person in connection with the collection of a debt.

Midland Credit Management has committed Harrassment or abuse False or Misleading representations unfair practices the creditor does not fit the " term '' Creditor as defined by the Federal Trade Commission. they fall outside thsi scope.

The Term Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed but such term does not include any persons to the extend that he receives and assignment or TRANSFER of a debt in default for the purpose of facilitating collection of such a debt for the another also 3. May not contact you at work if the collection agent has been notified that your employer prohibits the receipt of such communications. 
4. May not contact third party individuals, such as friends and family, more than a single time, and the contact is limited to requests for your contact information.

5. Must send a written validation notice telling you the amount you owe within five days after they first contact you. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you dont believe that you owe the money.

6. May not contact you if you have informed the collecting agent that the debt is not yours. 
7. May not make threats of any kind ; including arrest, garnishment of wages, and property seizure.

8. May not make false statements in an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are inaccurate information on my credit reporting
Product: Credit reporting or other personal consumer reports

My ID was stolen on XX/XX/2023 by individuals that opened many credit cards and lines, obtained information like my social, and rented out a car from XXXX at XXXX and were involves in an accident that took place on XX/XX/2023. I tried working with XXXX XXXX, XXXX XXXX, and XXXX XXXX but unsuccessful as the police report can not be released due to it being " confidential '' information and an active investigation. I received collections letters from firm representing the individuals involved with the defendants accident ( {$XXXX} ). I was able to close the credit lines and carss but they still show up on my credit report even though i disputed them ( XXXX and XXXX ; i have not been able to send a dispute to XXXX ). The defendants also added false information to my credit report like phone numbers, names and addresses. Most of the hard inquiries are from synchrony bank and i tried disputing with them but was unsuccessful.
Product: Credit reporting

Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.
Product: Debt collection

The company that is on my credit report is called national credit systems. I have no knowledge of this account. I have no knowledge made of the collection of this account. I am not responsible for this account or e.g. belongs to express a business account. This is not my account it may belong to a relative or some person or persons with similar names. This is fraudulent.
Product: Debt collection

In XX/XX/2021, Navy Federal Credit Union and I agreed on a payment plan with a reduced interest rate and the closure of the credit card. At this time I also requested paper statements. Paper statements were never sent. I regularly checked my account online for updated payment amount and due date information. I made multiple payments in XXXX and XX/XX/2021, which were not applied correctly. One was for the amount for the amount of {$4000.00} and one on XX/XX/2021 for {$200.00}. The latter payment was paid AFTER the forgiven XXXX due date and should have been posted to the XXXX payment amount due.
Product: Credit card

I separated from my job and I applied for credit protection. I received the application and emailed everything that they requested. The credit protection program failed to inform the credit card company that I submitted everything. The credit card companies continue to call and penalize my account. I did everything and was told that I do qualify for the benefit. I tried to call the credit protection company today, but they stay on hold and wont say anything, then hang up. I then tried to call the credit card company and they also disconnected the call before I can speak to someone.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX is a third party debt interlooper that has stolen my estates information and has created bonds utilizing the information stolen. She has wrongfully initiated a suit in a justice of the peace court however the subject matter pertains to securitiesa FEDERAL concern governed by FEDERAL securities laws. Not only has she wrongfully initiated an alleged debt claim in a court without jurisdiction to hear the matter, Citibank has an arbitration agreement which specifically states ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. I allege that XXXX XXXX nor XXXXXXXX XXXX XXXXXXXX XXXX. has no authority to act on behalf of XXXX as she has refused to present proof that the board of directors at XXXX held a meeting and decided to hire her. XXXX XXXX of XXXX XXXX XXXX XXXX is a third party interlooper pretending to act on behalf of XXXX without chartered authority. I have not been presented with proof of claim, nor a copy of a contract between myself and CITIBANK or XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is furnishing inaccurate information to Early warning services. XXXX XXXX has been notified that the information is inaccurate and due to fraud that has been being reported and is a direct violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies which states : Reporting information with actual knowledge of errors 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. 

This account was created due to fraud and not my authorization. It is affecting me opening an account at other banks.
Product: Credit card

XXXX XXXX XXXX  has obtained personal information about me and shared it with a third party without my consent. I don't know how this company accessed my personal information.
Product: Credit card or prepaid card

Last fall I purchased a plane ticket for my son XXXX XXXX from XXXX, North Dakota to XXXX XXXX XXXX, Utah for travel dates of XX/XX/XXXX to XX/XX/XXXX. The XXXX ticket was purchased through Capital One Travel with Capital One Venture points ( XXXX ). Unfortunately, the outbound flight was canceled due to sever weather conditions. 
I immediately reached out to the Capital One Travel office to receive a credit for the canceled flight. Prior to the travel dates, I had canceled my account with Capital One Venture Card. It took 2 months of calling and staying on the phone for several hours and talking with Supervisors to figure out how to return the cash value of the XXXX points. The cash value of XXXX is {$560.00}. However, according to the XXXX receipt ( I have the form from XXXX ) the round trip flight was worth {$470.00} This is the amount that was returned to Capital One Travel. 
Finally, Capital One Venture issued a travel refund credit for {$280.00} ( I have the credit card statement ). Obviously, Capital One had made a profit of {$190.00} at my expense. I am requesting the remainder of the refund ( {$190.00} ). I feel that I am entitled to to the entire refund that Capital One received back from XXXX and also I worked hard to accumulate that many points and buy my plane ticket. I should not be penalized because the flight was canceled due to severe weather. I would like them to credit my account number that ends in XXXX for {$190.00}. 
Thank You, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money to someone using XXXX through my bank ( XXXX ). It was a mistake and I didnt notice till the next day. I contacted my bank and opened up a claim to get my money back. I also contacted the recipient by text and she said she had reversed the transfer through her banking institution. This happened XXXX  and I still have not received my money back. My bank has denied my claim and said that it was my mistake and my loss. They did a curtesy inquiry and have fulfilled their obligation. I am not satisfied with this turnout and did some research on the internet. It turns out I am protected by regulation XXXX and that my situation was an error and since the XXXX facilitated this transaction which is a EFT they are also responsible to get my money back.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX  XXXX  assisting me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$6600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX  Account Number : XXXX Balance : {$59.00} CHILD SUPPORT XXXX  Account Number : XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, 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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been notified by equifax that my information might 've been compromised by the recent hack on Equifax. I 've contacted Equifax twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with Equifax. 
Equifax apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX
Product: Debt collection

My credit report contains multiple accounts I did not authorize. I ask that these fraudulent entries be removed and blocked from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : 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 ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Product: Credit card or prepaid card

I received a promotion from USAA to lower my interest rate for a period of time for all balance transfers. According to my XXXX statement, I had a credit line of {$15000.00} with  {$8200.00} available. In conjunction with another credit card with low interest, I decided to transfer the entire balance of one of my loan to my credit cards. In order to do this, I had to use convinence checks. While I had checks for the other account ( also with USAA ), I did n't with the account in question. So I order them and when I received them, sent a check for {$6400.00} to XXXX XXXX XXXX mid XXXX. The XXXX XXXX started to process the check onXX/XX/XXXX. OnXX/XX/XXXX I received a statement showing a reduce credit line. USAA refused to honor the check that was written that was being processed via the bank clearing house. I called USAA on the XXXX about this since it had an adverse affect and I had not received prior notice. I later received a letter ( dated XX/XX/XXXX) from USAA indicating the credit limit change. I believe that USAA in this case is not acting in a honorable fashion since the check was written and was being process before the change and show have been honored. I would not been upset if the change had occurred beforehand. Refusing to honor this check will cause me financial harm due to the higher interest rate I now have to paid on the remaining balance. I am addressing the problem with my credit score via an open complaint previously filed ( XXXX ) that is awaiting resolution. <P/>I am disappointed because USAA normally does an excellent job in the many services they provides to me and others in my family. It about fairness and timing and continuing your high standard across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax hacking problem??? First, delay in notifying ANYONE of it having happened, exposes about 1/2 of US households to extreme vulnerability to all sorts of fraud ; second, insider management selling stock before public announcement of the hacking ; third, an attempt to make that same 1/2 of US households " trade away '' their right to sue Equifax. It 's totally shameful.
First : no one has ever asked me if I 'd like to " opt-out '' of the reporting system for all the 3 companies. Why? What governmental entity sanctioned their activities? I understand that they facilitate peoples ' access to borrowing, smoothing the way for banks and other financial entities, but just now we see the potential cost of such a system to individuals. The IRS, I would think is particularly concerned, given it is already burdened with fraudulent attempts to file on the part of garden-variety scamsters.
Secondly : should there not be a large penalty ( say, {$5000.00} or {$10000.00} fine/ instance ) levied on the party responsible for failing to protect consumer 's identities ... whether or not there is subsequent fraud or not? Some entity ... maybe you, maybe the FTC ought to have some serious level of control over their actions.
Thirdly : myself, at this point in my life, I can live quite nicely without extending myself credit, but this is not true of the typical American. I have frozen my accounts at all three companies and may leave them frozen indefinitely, but this is not viable for younger people just starting out ; they need mortgages, cars, etc. They 've not had it easy in the last 10 years or so. This is yet another kick in the teeth to them. In short, it would be advisable to re-think and, if necessary, re-legislate this entire system. You should be a major player in this.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX stating that I owed PayPal {$300.00}. I have never had a PayPal account. I have never used PayPal or even tried to go to their website. Also, it is my understanding that PayPal is not in the business of extending credit, but rather a go between for making online purchases. Therefore, this letter in my opinion is an obvious scam. Either intended to get money directly, or to get me to call their number so they can then record my voice to further commit frauds against me. 

The letter says to send checks to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The letter states that calls to or from may be monitored or recorded.
Product: Debt collection

Ally Financial/ Ally Bank , or to whom it may concern, you may not communicate with me by sending statements and reminder notices, this would be a infringement upon my rights as i served you a valid cease and desist pursuant 15 USC 1692 c ( c ) i specifically requested Ally Financial/ Ally Bank to not communicate with me the consumer. for Ally Financial to still threaten and harass me is deceptive and unfair to me as a consumer. 

Ally Financial other claim saying they have a right to share my private personal information to third parties, is again violating my right to privacy. company policy does not supersede my right to privacy.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle handling of disputes in light of a recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous of times and reporting my financial situation and Zelle failed to investigate. My claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I reviewed a copy of all 3 of my credit reports, XXXX, XXXX and TransUnion credit reports where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on this account, but that is not accurate. I have already spoke to the creditors who state that I have not been late on these accounts and that i should contact the bureaus responsible. I contacted all 3 bureaus by phone and submitted disputes but they have not responded!! This misleading data is causing great harm to my credit score and its detrimental to my financial well being. As I am aware by researching consumer laws, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error.

4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to obligor. 
5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX, XXXX, and TransUnion are violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681.

In addition, Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement ofPAID/PAYS AS AGREED, NEVER LATE. 

These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan. I currently serve this country in the XXXX XXXX and it seems unfair to me that these bureaus are allowed to placed erroneous data on my credit reports!!!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX  XXXX