23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested that this creditor provide VALIDATION of the account they are attempting to collect on, and they have not done so. I requested on XX/XX/2017 and I have not recieved any correspondence as of yet. It has been approximately 63 days. The collection amount is listed on my credit monitoring site for {$5500.00}, and I was never made aware of such debt in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collections item ( # XXXX ) without naming the collection company which allegedly is trying to collect the debt. Clearly this is 100 % inaccurate as how can I possibly dispute this item with the collection company if I don't know who it is. 

I have written to Equifax two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act. Their continued listing these items on my credit report is a collection attempt which is barred under the the FTC Cass opinion.
Product: Debt collection

Told this company that the account was not mine. They did not respond to my letter. Earlier this year my identity was compromised. This is not my account or debt - it's a XXXX XXXX. Mind you, I currently have XXXX in my name. That is not my account. Furthermore, my letter consisted of me requesting my wet signature on a contract with XXXX XXXX according to the FCRA 609. They did not respond.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX American first XXXX Charged bank for payment at Bank that was taken off the account prior to charging it.Then the same date changed the new bank account the same amount.This was a double payment made to the same loan. The problem is the first payment was drafted from a bank account that was in process of being closed and they at this present time made this account rake up fees that is costing me money overlimit fees and overdraft fees on top of the payment amount that was not in the account. And they still at this time not issued refund or fixed there problem XX/XX/XXXX. PLUS ON TOP OF THIS THEY START THIS WITH DRAWS THREE DAYS BEFORE THEY ARE DUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus Stated my account was Properly investigated But how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last report is not accurate. This ground for removal they also violate my rights under 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigation consumer report mean 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 whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual Information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX XXXX XXXX ( Account number cant be found ) They also violated my rights numerous times. 

The credit bureaus violated my giving rights under 50 USC 1681.

According to : 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 state a consumer reporting Agency can not furnish a account without my written instructions According to : 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 the credit bureaus took more than 30 days to complete my investigation
Product: Debt collection

XXXX is having people call me from unblocked and blocked numbers. I told them I am XXXX  and can not pay but they keep calling to settle something. I can barely feed myself how can I pay the debt.
Product: Debt collection

Ive contacted them regarding the amount and verification my account belongs to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX -unknown amount XXXX XXXX XXXX XXXX XXXX  XXXX XXXXunknown amount XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account XXXX XXXX Account XXXX XXXX
Product: Checking or savings account

On XXXX  XXXX XXXX, I noticed some emails ( in my business account ) about new business bank ( saving and checking ) accounts applications. I called US Bank to report the issue. They verified me using SSN, DOB, name and address and took a long time and said they will send information for me to fill out and return. The phone number used was very old and not functional and email was a guess ( but email filer sends unknow business mails to my domain to my address -- this is how I knew ).

I have three issue I like to report to CFPB. 

ISSUE XXXX : Almost during the end of the call I noticed another such set of accounts being opened but using a correct personal email address and correct phone number. Can I suspect USBank reps to have done this while speaking to me? They have all the information -- since I am their mortgage customer. I would like CFPB to investigate this. 

ISSUE XXXX : Later that day I called US Bank about the second set of emails and they followed similar procedure and said they will mail some forms for me to sign. I received them later via email. These forms want me to make copies of my SSN, drivers license and other information to prove my request to close the bank accounts. This seems very unfair US Bank makes it very easy to open an account without verifying my business or email, so anyone can open an account. But now they make it complex ( at least couple of hours of work print sign, make copies go to postal office and mail ) to close. They should make it equally hard to open an account. I have already lost more than two days of time and more days worrying about this. Please help to make this right. Opening bank accounts in someone's name should not be this easy. This is causing grief. 

ISSUE XXXX : in the morning of XXXX, about the same time as the US bank email to by business account, I also received another from XXXX XXXX. They did not complete the account opening waiting for further information from me. Luckily they did not activate my account.
Product: Student loan

I received communication stating that they had reviewed my account and that I had only made one qualifying payment over XXXX years. Even though zero payments are supposed to count, I filed a pslf form when I was first employed in XXXX My employer is a qualifying employer. They clearly have not made any actual effort to calculate where I stand with pslf. Additionally, they put me into forbearance without my request or knowledge, right before the student loan payment pause took place.
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.

and list of Inquiries.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Debt collection

In XXXX or XX/XX/XXXX I received via mail from Ally Financial Inc two ( 2 ) 1099C 's. One for me and one for my late husband ( he passed away on XX/XX/XXXX ) in the amounts of {$38000.00}. 

For days I attempted to make contact via phone with someone at Ally about this 1099c debt. I finally spoke with someone there who suggested that I mail a certified letter requesting validation of the account as it did not include a debt description, it was dated as identifiable on XX/XX/XXXX ( for which I was certain we had not debt ) and identifiable letter was " XXXX '' - Decision or policy to discontinue collection - however we had no collections, and the " fair market value '' of the property was left blank. 

I mailed the certified letter on XX/XX/XXXX, indicating the essence of time, as I had to file taxes and they had reported to IRS. I received a response from Ally dated XX/XX/XXXX - saying they received my letter regarding an " auto '' account, they would research and return a response. 

On XXXX XXXX I received another letter from Ally, stating that XXXX and/or I entered into two vehicle contracts on XX/XX/XXXX with XXXX XXXX XXXX XXXX for which copies were enclosed ( they were not ) and at a later date the contracts were assigned to Ally Bank. The letter also stated a copy of " How we calculated your surplus or deficiency '' ( copies were not enclosed either ). This same letter goes on to say that they ceased collection activities on XX/XX/XXXX & XXXX, XXXX -however we had no collections. 

On XX/XX/XXXX I corresponded with XXXX at Ally via email. I told XXXX that I had no recollection of this being that it was 16 years ago, to kindly forward to me a copy of the signed contracts, a copy of the bill of sale indicating this deficiency debt and any attempt to collect these debts, as I have no records of any of this. 

On XX/XX/XXXX XXXX responded to my email stating they had received my concern acknowledging my Ally auto account and that she would do research and respond. 
I immediately responded to XXXX letting her know that I in no way was acknowledging this debt to be mine or my husbands. 

XXXX XXXX called me via telephone. She continuously stated that she acknowledges and sensed my frustration, however due to the date of the debt and the time that had passed they had no records they could provide me with.Therefore, no signed contract, no bill of sale, no attempted collections. But yet they submitted to IRS a 1099c for both of us that holds us liable for an IRS debt. 

If they have no records they can provide me with, then where are they getting this information that we owe this debt? I do not understand how we can be liable for a debt for which there is no record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 are not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The right of rescission provided by TILA ( 15 U.S.C. 1635 ) gives borrowers an extended right to rescind within three years if the lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures.
Product: Credit card or prepaid card

I was billed an {$89.00} annual fee on XX/XX/XXXX. Now 4 months later they billed me another annual fee in XXXX. I want it refunded!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX Name of collection agency : LMMINC There address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX After recently obtaining a copy of my credit report I became aware that you are reporting a debt to my credit report. Under the laws of the FDCPA ( Fair Debt Collection Practices Act ), I am requesting that you validate this alleged debt below : LMMINCXXXX Please provide the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you. 

Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 
I never gave permission to your company to release my medical information to Transunion Please send the above requested information to my mailing address listed above. This letter is a request for debt validation and I request full documentation containing all information you received from the service provider of this alleged debt. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was involved in an online trade scam and with multiple transactions I gave him over {$5000.00}. I contacted the bank to stop all those transactions but it was through XXXX and they are not able to stop it. Im trying my hardest to figure out who can help me investigate the scam artist as I do have some information and I did meet him so I know his face. Theres anyway that you can help me or help the situation be better please let me know
Product: Debt collection

Received a letter from Sequoia Financial Services ( based in XXXX XXXX, CA ) a few months ago that my wife owed a debt of {$1500.00} to " XXXX XXXX XXXX '' that they were trying to collect. My wife and I have never been to that city, and are both on top of our debts. I ignored the letter. 
Received another letter ( dated XXXX/XXXX/XXXX ) that they were adding interest and would ding our credit score if we did not pay. I looked up Sequoia Financial on XXXX and all the reviews said this company is a scam. I checked both of our credit reports, and both are fine, no missed payments. I ignored the letter. 
Have now received two phone calls from this company, asking for my wife to contact them. We have not returned the phone calls.
Product: Debt collection

Tried to reach out to company with Better Business on XXXX/XXXX/17 ; two attempts were made with no response. Advised the company of the following : This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7500.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof.
Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am no obligated to pay for the alleged debt.
Per statement it has been determined you can not verify this account and are in violation of the Fair Credit Reporting Act 611 ( a ) { 15 USC 1681i ( a ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXXXXXX XXXX XXXX  XXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax and in conjunction with existing complaint XXXX # : XXXX ) against XXXX. Now my Equifax score has dramatically dropped credit score from XXXX to XXXX within this past week. I created an account with Equifax, filed some basic information disputes and was able to finally connect with a representative. The Equifax representative could not confirm this score drop in their system and when I asked him what activity do you show in the last two weeks, he said also that their system could not provide that information.
Product: Debt collection

Impersonated and represented herself as XXXX XXXX XXXX XXXX XXXX. Threatened my work. Numerous harassing phone calls to my work. Will not stop. No debt validation letter by U. S. mail. No physical address. Said she was XXXX XXXX. Think it is National Asset Processing or XXXX XXXX XXXX XXXX. Also a XXXX XXXX. XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account name : XXXX and XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX XXXX Account name : XXXX Account # XXXX, Account XXXX : XXXX XXXX XXXX Account # XXXX XXXX have XXXX 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 or other personal consumer reports

I have reviewed my credit report and found an error that must be corrected. In accordance with the XXXX XXXX XXXX, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a XXXX ( cancellation of debt ) from the following charged off account : XXXX XXXX XXXX XXXX have contacted XXXX and XXXX have confirmed that this account has been sold to different entity for collection. XXXX has sold this account to XXXX XXXX XXXX XXXX XXXX XXXX. This law firm is a debt collector, as defined by 15 U.S.C. 1692 ( a ) ( 6 ), which is a third party, and therefore can not be reported as a chargeoff on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, KS XXXX and have confirmed this debt has been sold to them. Please send the requested XXXX form.
Product: Checking or savings account

Opened a Capital one 360 money market account on XX/XX/2018 with special offer code " XXXX ''. Offer terms when opening the account explicitly state if the account " is funded with at least {$50000.00} no later than XX/XX/2018 '' then a {$500.00} bonus will be deposited to the account. 

I made the following deposits XX/XX/2018 {$10000.00} XX/XX/2018 {$15000.00} XX/XX/2018 {$15000.00} XX/XX/2018 {$12000.00} Capital one is refusing to give the bonus because they claim the money " had to be made in a single deposit '' and " must be left in the account the entire time. '' No where in the terms of the offer are these conditions written. Furthermore, Capital One could not provide any proof of these terms nor could they provide any copies of where these terms were written. However, they refuse to send the bonus. 

I have attached screen shots showing the offer terms, with my account number. Capital One refuses to pay the bonus based on me satisfying the requirements written during the online account creation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX