23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am that I am, a natural person, a federally protected consumer. XXXX  DEPARTMENT OF FINANCE has violated over 20 laws pursuant to Title 15 Chapter 41 USC 1692 of the Fair Debt Collection Practices Act.

Fact, the Fair Debt Collections Practice Act is intended to secure my right to privacy and my privacy has been breached. A list of violations are as follows ; 1692b ( 1 ) -The company did not contact me to confirm or correct my location.

1692b ( 2 ) -The company stated I owe a debt 1692b ( 3 ) -I never requested to be contacted by this company 1692b ( 5 ) -This company is using language that indicates a collection of debt 1692c 
( a ) -I have never given this company prior consent to communicate with me, and if so, did such under duress and invoke my rights pursuant to 15 U.S. Code 1635 1692c ( a ) ( 1 ) -It is in fact never a convenient time to communicate with me 1692c ( a ) ( 3 ) -My place of employment is my dwelling and they are forbidden to contact my place of employment via written or oral communication 1692c ( b ) -No prior consent was ever given
by I, the consumer, to this company to communicate with me 1692c. ( c ) -This company is violating my cease and desist by continuing to communicate with me which is also a violation of 1692g 1692d ( 1 ) -This company has threatened to ruin my reputation by reporting this alleged debt to the 3 major credit bureaus XXXX, XXXX and XXXX 1692d ( 2 ) -This company has used language that I deem to be obscene and profane. Profane and obscene are not defined under 15 USC 1692 and therefore a company can not tell me what I consider to be obscene or profane language 1692e ( 1 ) -Debt collectors can not be vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

1692e ( 2 ) ( a ) -False representation of the character, amount, or legal status of alleged debt 1692e ( 3 ) -Pursuant to 15 U.S. Code 1602 this company is a corporation. Corporations are dead entities and can not communicate with flesh and blood living beings. It is understood that the written communication received by me from this company is either from an attorney representing this company or the company is the attorney. Either constitutes a direct violation 1692e ( 4 ) -The written communication is false representation and implication 1692e ( 5 ) -No legal action can be taken by this company pursuant to 15 USC 1692i 1692e ( 7 ) - The false representation or implication that the I committed any crime or other conduct in order to disgrace I, the consumer 1692e ( 8 ) -Failed to communicate the debt is disputed 1692e ( 9 ) -This written communication which simulates or falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State , or which creates a false impression as to its source, authorization, or approval.

1692e ( 10 ) -The use of any false representation or deceptive means pursuant to 15 USC 1692e ( 1 ) to attempt collecting this alleged debt 1692e ( 11 ) -This company failed to disclose to me that this is an attempt to collect a debt 1692e ( 13 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA, XXXX Subject : Dispute of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally dispute certain accounts listed on my credit report as a result of a data breach that has impacted my personal and financial information. I believe these accounts may be fraudulent or were opened without my authorization. Please consider this letter a formal request to investigate and remove these accounts from my credit report as soon as possible. 
The accounts in question are : 1. 
Account Name/Company : XXXX XXXX  Account Number : XXXX 2. 
Date Opened : XX/XX/XXXX 3. 
Account Name/Company : XXXX 4 . 
Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  ( Include any other accounts you wish to dispute in the same format. ) Please find attached copies of any relevant documents that support my claim, including a copy of my notification regarding the data breach. 
I request that you investigate these matters thoroughly and remove any fraudulent or unauthorized accounts from my credit report. In accordance with the Fair Credit Reporting Act, I expect a response within 30 days, and I request that you notify me of the results of your investigation. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. Specifically, Section 1681i mandates that you investigate disputed information and correct any inaccuracies within 30 days. Additionally,
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX BANK XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, AND XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX NOT PROVIDED XXXX {$190.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, 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 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 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

XXXX XXXX  card was used by an unauthorized person. 
Unauthorized opening and charges applied to a new XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX Card by XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my XXXX credit report and reached out to CBNA in regards to an I wiry that is showing on my credit report. This inquiry is dated XX/XX/2018. This company wasnt able to find any information and wouldnt send me a deletion request to the credit bureau to have it removed. I have not applied for credit at all. I am single mom and staying away from credit.
Product: Credit card

I have 2 credit cards with Bank of America, and I put both of them on AutoPay.

But, Autopay didn't work, so I got charged a late fee on both.

Also note that : 1 ) Bank of America recently rearranged the menu items in the payment center in a more confusing way ; 2 ) Certain buttons do not show up in XXXX at all, while they do show up in XXXX ; 3 ) Autopay has long had problems, substantiated all over the internet, e.g. 

XXXX XXXX XXXXXXXX 4 ) I know that I've put the cards on Autopay, or at least I've tried, but the Bank of America chatbot said I never did- that is upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX PARTY COMPANY IS REPORTING INFORMATION OF A XXXX XXXX XXXX  TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISMISSED WAS XXXX / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX EQUIFAX/ XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX EQUIFAX/ XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRUSTEE.
Product: Debt collection

name of company : United Services phone number of company : ( XXXX ) XXXX I received 2 phone calls today XXXX/XXXX/16, from this phone number. The first time the male said his name and would not address the company he works for. I hung up and he called right back. He asked my if i was who I am so I told him I was. He then proceeded to tell me that he works with the state prosecuting attorney 's office and that there will be XXXX felony charges pressed upon me and that warrants were then going to be put out for my arrest. When I hung up, I was in such a panic because I am XXXX and the situation scared me. I called the state attorney 's office right away and they said that there was no felonies no warrants and they nor any affiliates would call me and ever tell me such a thing. XXXX. They do not care about who they are hurting nor how they are hurting them. This is XXXX damaging and could have turned out to be XXXX harmful as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX
Product: Debt collection

Received a letter in the mail for a hearing and never got the opportunity to dispute and information regarding the debt was provided to a third party. This company has practiced deceptive debt collection and has not provided any evidence that the debt is owed by me.
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.

List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My account is administered by TRI-AD and the custodial bank is UMB XXXX XXXX. On XX/XX/2021 my HSA account was transferred to this provider by the previous provider as I switched employers. By the end of XXXX I still had not received a monthly statement and I called on XX/XX/2021 in order to figure out why one had not been generated. They stated that a statement is only generated when a purchase is made with the card. Despite the activity in the account in the previous month, they would not generate a statement. Activity in the previous month included transfers from investments and " Benefit Administration Fees '' of {$2.00} on XX/XX/2021 and XX/XX/2021. Then on XX/XX/2021 I made a purchase using the card hoping that would generate a statement at the next month-end. However now it is XX/XX/2021, and no statement has been generated despite another Benefit Administration Fee occurring on XX/XX/2021. 
Given that this account was transferred from a different provider, I still haven't even received an initial statement from this provider, and despite the activity, they refused to generate an account statement. Finally, after making a purchase which they stated would generate a statement, one still hasn't been created. I couldn't even close my account if I wanted to, as I don't have a statement. This Company is intentionally making it difficult and expensive for people to close their account and charging fees that are far above industry standard without giving individuals a choice in the matter.
Product: Debt collection

Debt is not mine in the sence that I am a medicaid recipient and due to their lack of filing the claim incorrectly, or so I have been told by medicaid, the bill was not paid. Medicaid also informed me that it is illegal to bill a medicaid directly for a medical bill. I have done my best to first try to get the bill paid, then try to work with these people to get the issue resolved. They will not return my calls and the one time I finally spoke with them to get their fax number, which they were very relucunt to give me, they continued insisting that I was liable for the bill. Your assistance with this matter would be greatly appreciated. The Debt collecter has bween nothing but helpful, my issue is not with them. It is with the original holder of the debt. I do not wish to file a complaint againt the debt collecter, only the original debt holder. I did n't reaqlize I needed to clarify that until later in the process. I apologize. Thanks again for your assiatance.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

RC Willey is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XX/XX/XXXX lates as a one time goodwill adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.