23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collection company called me during the first week of XXXX about a debt that was originally from XXXX University. I contacted The University for more information on the debt on my account. I was told that if you dont pay in a certain amounts of months they will sale the debt to a debt collector. I had no idea I had debt in that amount because it is inaccurate. The amount on the bill is not accurate because I applied for financial aid that semester and everything processed but the school scammed me and emailed me fake Award Letter. I contacted to school to for more information but the school is giving me false accusations so insisted on taking legal actions. Now the debt collector has been calling me & harassing me to pay debt that is not the accurate amount. They called me on XX/XX/XXXX at XXXX then XX/XX/XXXX at XXXX, and also on the today at XXXX. The amount on the debt is XXXX and the arrangement plan was for {$50.00} a month. However I have to make a dispute because the amount is not accurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> **Security Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX **Re : Original Creditor / Account # : XXXX XXXX XXXX XXXX XXXX XXXX **Current Account Owner / Account # : Security Credit Services , LLC XXXX XXXX XXXXTo Whom It May Concern : ** I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced account. Please be advised that your response does not meet the verification requirements outlined under the **Fair Debt Collection Practices Act ( FDCPA ) **, specifically **15 U.S. Code 1692g ( b ) **, which requires you to provide adequate verification of the debt. 

While you claim to have provided documents validating the account, these documents were sent in a XXXX XXXX that I was unable to access. As such, I still have not received the legally required verification of the debt. I am requesting that you resend **all documentation** in an accessible format. 

Further, I am requesting **complete and proper documentation** as required by law, including : 1. **A signed agreement or contract** that establishes my liability for the debt.

2. **Detailed transactional history** that traces the amount you claim I owe from the original balance to the current balance, including itemized charges, fees, and interest.

3. **Proof of ownership** of the debt by Security Credit Services , LLC, from the original creditor, XXXX XXXX XXXX XXXX XXXX 

The court cases you reference, including **XXXX XXXX XXXX**, do not preclude my rights under the FDCPA to request adequate verification of the debt. Your claim that there is no duty to comply with such excessive verification demands is a misinterpretation of the law. The **Fourth Circuit** case referenced does not diminish my legal right to request proof that the debt you are attempting to collect is legitimate and owed by me. 

Additionally, your failure to provide full and proper verification of this debt is causing significant financial hardship, including harm to my credit score and financial reputation. **15 U.S. Code 1692e** prohibits the use of any false, deceptive, or misleading representation, including the misrepresentation of the character, amount, or legal status of any debt. 

If you can not provide proper documentation that verifies this debt in accordance with **15 U.S. Code 1692g ( b ) **, I am formally demanding that this account be removed from all records and credit reporting agencies immediately. Failure to comply will leave me no option but to pursue legal action for damages under **15 U.S. Code 1692k**, including compensation for the financial troubles this issue has caused, statutory damages, and attorney fees. 

I expect a prompt response to this request. Please ensure that any further communications include the legally required documentation in a format that is accessible and complete. 

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

Subject : Notice of Violation of 15 U.S. Code 1681c2 and 15 U.S. Code 1681n I am writing to inform you about a serious matter regarding my credit report that requires your immediate attention. It has come to my attention that my credit report contains inaccurate and fraudulent information as a result of identity theft, which is a direct violation of the regulations set forth in 15 U.S. Code 1681c2. 

According to the provisions of 15 U.S. Code 1681c2, any credit reporting agency is required to block information resulting from identity theft from being reported on a consumer 's credit report. Identity theft is a crime that I unfortunately fell victim to, and as a result, certain fraudulent accounts and inaccurate information have been listed on my credit report maintained by your agency. 

I have taken the necessary steps to report the identity theft to both law enforcement agencies and the Federal Trade Commission ( FTC ). I have also provided documentation of these reports to your agency along with a written request to block the fraudulent information from my credit report, as stipulated by law. Despite my efforts and adherence to the legal requirements, the inaccurate information still remains on my credit report. 

This blatant noncompliance with the legal provisions outlined in 15 U.S. Code 1681c2 has caused me significant distress and financial hardship. Furthermore, under 15 U.S. Code 1681n, credit reporting agencies can be held liable for willful noncompliance with the Fair Credit Reporting Act, resulting in financial damages to the affected consumer. 

I kindly request that you take immediate action to rectify this situation by promptly blocking the fraudulent information from my credit report and providing me with written confirmation of the same. Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to seek the remedies outlined in the aforementioned statute. 

I trust that you will treat this matter with the seriousness it deserves and take swift action to correct the inaccuracies on my credit report. I appreciate your prompt attention to this issue and hope to receive a timely response. 



I recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing. 
Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 
The details of the accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are incorrect as I have never opened or authorized these accounts.
Product: Credit reporting or other personal consumer reports

The privacy ACT of 1974 covers this complaint. 
credit card and all the secondary reporting agency 's transunion, XXXX XXXX XXXX XXXX XXXX are reporting false and inaccurate PUBLIC & PRIVATE information including removal of checks and inquires. and knowing it is unlawful to REPORT ANY TRANSACTION ON A CONSUMER FILE.15 1681-.16cfr433.1.2 also committing language fraud 17cfr 424 all these violations are also prohibited under the ( FTC act ) 15usc45 prohibits 'unfair deceptive acts and practices affecting banking commerce & consumers in the normal course of commerce.also maybe i need to mention and remind the CRA 's CREIDIT CARD COMPANYS & BANKS ABOUT ( 5 u.s.c 522.a ) which refers and states the facts of ANY RECORDS MANTAINED ON ANY INDIVIDUALS.I am not even gunna begin to dive or discuses all the security fraud that has been committed in my name in this report there wouldn't be enough space to do so. but don't think its not going to happen in the very near future.so herein this report there is XXXX or more charge offs and XXXX hard check removal 's that have been removed from XXXX and not others there needs to be few more hard checks removed as well from all CRAs. so all the charge offs and removals of hard checks and all derogatory comments need to addressed immediately!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has erroneously place a 30 day late payment due on my account for the month of XX/XX/XXXX. I leased the vehicle from XX/XX/XXXX and the lease ended in XX/XX/XXXX in which I made all contractual lease payments on time. My lease payments were made in full. At the end of the lease there was a balance of approximately {$4100.00} unknowingly due to mileage. I was not able to pay off the balance however I have been paying the arranged amount of XXXX per month which is indicated on the call and check I sent in ( see picture attached ). I have been sending this payment in monthly. XXXX XXXX is misrepresenting me as late on my lease payment of {$610.00} per month which is not true.
Product: Debt collection

XX/XX/2019 was when I got my first bill from XXXX XXXX company. I had a balance of XXXX. I was responsible for making a payment of XXXX dollars originally from College Ave Loans. They told me about making payments each month for 2 years. I was dealing with College Ave Loans when I first sign up with my dad has the co-signer. He was the person that helped me with making the payments. The first time I was making payments toward my private loan i was making current payments until it was sent to a debt collector which was XXXX XXXX XXXX. They told me that I was behind on payments so I had to make the payments that they agree to which was {$180.00} each month. After that, I kept making monthly payments to XX/XX/2019. Then, in XX/XX/2019 I sign onto my website to make a payment to XXXX XXXX XXXX. I noticed my account balance was not correct. It went from {$1100.00} and now back to {$6800.00}. I realized that they had changed they had changed my account number and did not give me a letter to tell me that it was not going to be the same account anymore. So, that is when I decided to call College Ave Loans to tell them that the balance was not correct. College Ave loans did not fix anything that was wrong. They said that it was handle by another third party company. They would not be able to do anything else about that. I realized what they were doing was not legal it was something that they were making false statements about.
Product: Credit reporting or other personal consumer reports

I am Writing to request Formally the removal of a Bankruptcy entry on my credit report I understand the Bankruptcy does not Report Directly to the credit agencies given that the reported information may not be accurate or complete, I Respectfully ask that you investigate and remove the Bankruptcy entry from My Credit Report.

I appreciate your Attention to this Matter
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/ I made two mobile deposits into my checking account with key bank in the amount of {$390.00}. The money orders cleared then key bank put a hold on my account saying they thinking the money orders wouldn't clear. After speeaking to customer service they instructed me to go into the bank to clear the matter. Today I went I to the bank XX/XX/ and they are telling me the back office is still doing and investigation. This is beyond unacceptable I want my funds and I want to be compensated for the inconvenience it should not take 15+ days to figure out this out. This has caused me hardship.
Product: Credit reporting or other personal consumer reports

This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXXXXXX This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

This company called using my name and threatened to see me or my son in court. I laughed them off and said go right ahead - thinking, " this is a scam ''. I looked up the number and found it to be a real company so, I called them back to complain about the threatening tactics being used. I spoke with the same individual as the first call. He informed me, " it 's a good thing you called back '' - again implying that he was going to get me. When the company representative gave me the full name of the individual he was looking for it was established I was not that person and the person he was looking for had put my number down as a secondary contact number ( not sure I believe that ). These people threatened me without any knowledge I was the person they were looking for and given their business I fear what might happen to my good name and credit rating.
Product: Credit reporting or other personal consumer reports

Disputed accounts on my credit report that are old and that should have been takin off my credit report
Product: Checking or savings account

Yes I bank with chime banking and on Tuesday night at XXXX XXXX  my card was use to make a purchase for {$2400.00} at XXXX XXXX but I didnt authorize this purchase, I was at work and we are not allowed to have our phones out on the sales floor and I was closing that day. I call Chime Customer Service and they told me I had to wait to file a dispute until it was posted to my account and on Friday XX/XX/XXXX it was posted and I file a dispute and within a 24 hours period it was denied and I asked for a letter but never got it. XXXX Is the company Chime is with
Product: Debt collection

Company saying there trying to collect a debt for aurora health care that I don't have, I'm on a monthly payment plan with XXXX and not in areares.
Product: Credit reporting or other personal consumer reports

Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c Dear XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. 

I recently sent a letter to the collection agency XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 

Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

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

I have tried to correct these issues with Transuion many times, I have sent out letters asking for validation of these accounts and all they pretty much tell me is that they " verified '' the account. I send of f 4 different letters on 4 different occasions (   XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    )  and they still failed to send me validation of these accounts. According to the Fair Credit Reporting Act the company must validate these account rather then just report this inaccurate information. Below I Have Attached Their Responses to my request. & Yet Thes e Inaccurate Accoun ts Still Remain.     Accounts Listed Below :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. XXXX an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED FTC REPORT AND MAILED IN ... I NEED THIS FIXED
Product: Bank account or service

I 've tried to buy tickets online on XXXX XXXX and all transactions came out as declined. When I checked my bank account I realized that XXXX transactions were actually authorized and XXXX dollars were missing from my account. I immediately called the bank to get the transactions reversed, once they were never authorized. Any regular bank would have blocked the second transaction since they were duplicates ( same website, same amount and made with less of a 5 minute interval. ). The bank informed me that they could n't do anything, that those were valid transactions, even though I told them I had the screen shots of the declined transactions. I was advised to call the merchant, who informed me that all the holds were immediately released since there was a mismatch on the address. I called the bank customer service who informed me to do not worry that in 24 hours XXXX XXXX XXXX XXXX the money would 've been credited back to my account. Today, XXXX XXXX the money has n't been credited back to my account and I was informed by the agent that it might still take 1 to 2 business days to have my money back for those declined transactions. I 've asked to speak to a manager or someone who could solve my problem faster, since all the money I had is being hold by the bank but they informed me that nothing could be done on my case.
Product: Debt collection

My husband received a call from ( XXXX ) XXXX Patient Accounts Bureau on XX/XX/2019 from a lady stating that she was looking for me in regards to a past due amount of {$500.00} for medical debt. My husband has asked her not to contact him again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequality. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers nut has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is inacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Was contacted by a ( XXXX ) area code number which caller ID identified as coming from New Jersey. I had already found this suspicious as ( XXXX ) is a California area code. When I answered the phone I spoke to a male who claimed he was from Phoenix Financial Services. Again, strange as the actual financial services uses a ( XXXX ) telephone number. Was told I owed some unspecified amount to an ambulance company and when I pressed for more information I was asked to verify my date of birth. The man on the phone then said what he gathered was my birthday and asked me to confirm. I refused to acknowledge and told him I would not provide any information unless he tells me what this amount is related to. He once again tried to pressure me to confirming my DOB which I then told him to go away and hung up.