23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. Date of Birth is XX/XX/XXXX. My social is XXXX. 

I reached out to XXXX XXXX on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. I attached the enclosed information. I filed a CFPB complaint on XX/XX/XXXX advising that the information was not validated. They responded advising that they validated the debt by sending the information that was merely the name of the original creditor and alleged dates of service and amount owed. I filed another CFPB complaint on XX/XX/XXXX advising that XXXX has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. 



I received in the mail on XX/XX/XXXX all of my medical records for the alleged debt which includes services rendered, medical tests I received, detailed medical information, etc. This company violated my privacy in which I am protected under XXXX laws. They sent my medical records WITHOUT a XXXX release form. I never gave covenant medical group permission to release my personal information such as specific treatment or medical tests I received outside of basic collecting information. 


This company knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They failed to use reasonable care during business and failed to use even minimal procedures to ensure that I was not harmed. 

I will take any and all necessary steps to protect my rights. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Since you are the reporting agency reporting this information that is inaccurate and violating my rights, I will include your company in a potential lawsuit. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 



These accounts need to be deleted off my credit report expeditiously : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Just for the record we have been merchants with square for over 6 years we have never had a charge back we have never had an issue and we've been running transactions successfully for over 6 years with you guys. 

I recognized up front that the transaction I was about to run for purchase of equity within my company through square was a large amount so I called in for help. 

When I called in I asked how to run an ACH transaction properly to make sure that we would not take any risk of flagging the account or us having any issues with our merchant processing for compliance and underwriting purposes with Square. 

I called and spoke to One of your reps in XXXX to make sure that everything was done properly and there would be no problems. She eagerly walked me through and told me that no transaction should be over XXXX anything over XXXX  would be held. 

Just to be sure she would walk me through the process over the phone to make sure everything was submitted properly. The total of equity that was purchased cost XXXXXXXX XXXX 

So that was 8 separate ACH transactions to be withdrawn from XXXX XXXX going to XXXX XXXX XXXX. The representative then ended the call over the next few days the transaction started to withdraw daily and they never stopped until it depleted all of XXXX 's account. 

The entire time frame all the money was being held at Square, after a week or so of not getting access to the funds she went in to dispute the transactions to get the money back, so she could find another measure to be able to make payment for her company. 

From there it's been nothing but a nightmare we've tried to reach out to different managers we've tried to reach out in many different ways all unsuccessfully every time no manager ever returned any calls. 

Sadly we will call back within 24 to 48 business hours never came. Anytime after if we did finally reach someone the representative would just hang up the call. 

I just found this strange because we've never had an issue with square and we've been loyal consistent merchants never had any fraudulent issues nothing so for you to deactivate the account and for you to hold the money as if theres a reason is especially this long is beyond us. Especially knowing that you did not give it back to us nor to the customer is just very unprofessional and quite greedy. This whole time youre drawing interest on my money and this is preventing us from paying our employees and worst of all its during XXXX. 

Now I can not make payroll to pay my employees and no one at your company will return my call and continues to hang up anytime anyone of us calls about this issue. 

The fact that Square held funds so long has caused a tremendous loss for our business and has forced us out of commission we've had to shut down operations completely now.
Product: Credit reporting or other personal consumer reports

I am writing this statement to provide details regarding the unfortunate incident in which my identity was stolen. This experience has had significant impacts on my personal, financial, and professional life. 
On XX/XX/year>, I first became aware of suspicious activity upon being XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I noticed that my phone was stolen, my home had been broken into & it was a check that was cashed in my name through my bank account.After further investigation, I discovered other unauthorized transactions, & that all of my immediate funds had been stolen. 
I immediately took steps to address the situation by contacting my bank, filing a police report, placing a fraud alert on my credit report, etc.Despite my efforts, the incident resulted in financial loss, damage to my credit score, emotional distress etc. 
I am committed to cooperating fully with Identity Theft.gov to rectify this issue and prevent further damage. I can attach any relevant documents that may assist in your investigation, including police reports, bank statements, credit reports, etc. 
Please feel free to contact me should you need any further information or clarification.
Product: Consumer Loan

having trouble paying the loan.When I go to see them they is n't nice.They wo n't lower the payments.My job is slow and I do n't make that much money.I have other bills.
Product: Debt collection

Nissan Infiniti LT has violated 5 of my federally protected consumer rights in the collection of a debt. 

15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX  account # 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 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

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX 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 XXXX  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

Equifax continual to reporting Metro 2 violation under K1 for Original Creditor Name.

Metro. 2 Guideline state a collection company must report the original creditor name when reporting a collection account. As a Consumer, it is my right to know who the debt is coming from. XXXX has 4 accounts in violation. Midland has 1 account. None of these accounts are reporting the original Creditor Name. I have disputed this even sent in the regulation to show how metro 2 should be reporting On credit reports. I have attached the Name & account # of these violations. 

1. XXXX Account XXXX 2. XXXX Account XXXX 3. XXXX XXXX  Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX All these accounts are in violation of Metro 2 guidelines. I have disputed this violation with the credit bureau Equifax. Equifax reply with verified and accurate. 

I have attached these violations
Product: Debt collection

I was sued by blitt and Gaines for an old discover card bill. Due to me not knowing my rights I didnt properly handle things which led to a judgement and subsequent garnishment. The garnishment completed over {$9000.00} and now they have sent correspondence threatening to garnish AGAIN for the same debt. This notification does not even tell me how much they are trying to take. They are going to court to obtain garnishment on a debt that has already been paid!! This is so unfair I called them and the representative had a very nasty attitude and would not explain to me why they are seeking additional money. The case number on both garnishments is the exact same!! They never provided validation of this debt. They are violating 15 USC 1681 as they never provided proper documentation to validate their right to collect in the first place. Im trying to buy a house and a judgement on my name does not look good. Im distraught, I dont know what to do please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX   and Equifax, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a past due record on my credit report from CREDENCE RESOURCE MANAGE for an account I have no knowledge of. This account never should up on my credit report until it was XXXX months past due. I called this company and they said someone used my SS # but had the wrong address and i should file an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the company multiple times and the matter as not been resolved. They stated the information was verified but it couldnt have been because its not accurate and I have no knowledge of those accounts or inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Account sold to XXXX ) states on my credit report that this account has been charged off. I never received a 1099-C. Being that the they already filed my account as a charge off on their taxes, and I have never received a 1099-C, this company is committing fraud. I kindly request that the CFPB investigate XXXX XXXX and take appropriate action to address this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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: Debt collection

When I changed my phone to XXXX in XXXX they said I couldn't turn my phones in they were lock so they took them made me buy 2 new ones so this debt is for phones XXXX  either stole form me or sent back to them that's one. Two amsher as of XX/XX/XXXX has placed this on my credit report despite me already telling them in written it was my debt but the kicker to that is today XX/XX/XXXX I also got an email from XXXX XXXX  trying to collect the same debt
Product: Debt collection

Alliance One has sent me a statement with the threat of a lawsuit on a parking ticket dated XXXX/XXXX/2009. the collection agency also is threatening to execute on a judgment on a matter which has not been litigated ( falsely insinuating that a suit has been instituted ). Alliance One also is displaying on their correspondence that I am employed, falsely insinuating that a income excution and garnishment will be issued. the outstanding debt refers to parking tickets, however, the collection agency has placed a negative item on my credit reports, therefore creating irreparable damage to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I believe my I believe my identity have been compromise leading to several a credit report that Im not familiar with. I have requested information from these companies from various amounts ranges from $ XXXX {$600.00}. I want even {$4000.00}. Neither get back with me.
Product: Mortgage

XXXX XXXX  AND SELECT PORTFOLIO CLOSED MY COMPLAINT- SENT ME ALETTER THEY ARE FORECLOSING ON A HOME -I WAS NOT IN DEFAULT- THEY REFUSED PAYMENT AND RECENTLY FOUND LOTS OF TITLE FLIPPINF AND MY PROPERTY WAS DESTROYED. XXXX XXXX IN LEIU OF FORECLOSURE OFFERE TO A NON, MORTGAGE - AND LIKE TO BE FREE FROM THE HARM AND THREATS- AS THEY HELPED EX-WIFE WITH A BANKRUPSY? AND NOW WANT TO DOUBLE DIP THIS TITLE INTREST, XXXX XXXX- NAMED XXXX TITLE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX on XXXX/XXXX/XXXX informed me my information was lost
Product: Checking or savings account

im romance scammed victim and they know my bank account # plus they charged me numerously.
Product: Mortgage

My mortgage loan was originally with XXXX Bank XXXX in XXXX NJ. XXXX Bank took over XXXX Bank in XXXX 2015. From XXXX to XXXX my statement reflected no payment coming off of principal. It changed from the XXXX Statement. In XXXX 2015 my mortgage was sold to Statebridge LLC. I have since made XXXX payments to them and they are no applying them and claiming I am delinquent because first they state they did not receive my XXXX payment from XXXX Bank and now they are claiming that I have a XXXX loan and have to pay the accrued interest. They will not return my phone calls that I leave and I have left XXXX messages with XXXX Bank and they will not return my calls either. I am trying to refinance my home and Statebridge will not give my new mortgage company a payoff and they have told me they are going to hold it against my credit. Even though I have sent them four months payments and it has not been late.
Product: Credit reporting or other personal consumer reports

said companies violated my privacy due to privacy act of 1974 and 15USC 6802 ( b ) ( c ) also 15USC 1681 ( a ) ( 5 ). also 12 CFR 1016.7 A CONSUMER MAY OPT OUT AT ANY TIME. i AM OPTING OUT OF SAID COMPANIES
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : TransUnion Consumer Relations File, charged off amount is {$1000.00} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Debt collection

Every other day they text : XXXX Deposited a new message : " We have an important message from National Recovery Agency. This is a call from a debt collector. Please call XXXX XXXX XXXX. Again, please call XXXX XXXX XXXX. '' Click here : XXXX to listen to full voice message.
Product: Credit card or prepaid card

On XX/XX/2023, I found an unrecognized transaction in the amount of {$290.00} from XXXX. I filed a dispute with CITI Bank which is the issuer of my credit card. A few weeks later I called to check on the status of the dispute and I was surprised they closed it without notifying me stating they needed additional info that I didn't provide. Before this happened, I'd already spent XXXX min with someone from CITI Bank providing all kinds of info about this. I asked them to reopen the dispute based on that, and they told me they will. I called again to follow up and this time they said the dispute was filed under the wrong category and that we will need to restart the whole process from the beginning, although they were the ones who filed the dispute with me over the phone so it should be their responsibility. A few weeks later after so many calls they said they were going to issue a refund until the investigation is over. On my last call with them, they said that no refund will be issued since it has been 90 days since the unrecognized purchase and that there is nothing they can do about it. I explained to them that I'd already disputed this multiple times before this 90 days frame and that I had a very good level of follow-up with them ( more than XXXX calls ) but they just said we can't do anything about it.
Product: Mortgage

This issue started when Fay servicing failed to pay my property taxers on time and based on an earlier complaint ( complaint number XXXX ) and many phone calls they agreed that they were wrong in not making the payment on time and they accepted full responsibility for the late payments accured. Since then I did refinance the loan with XXXX XXXX but as you can see per attached they did use my money held in escrow to pay these fines. 
I requested numerous times for my money used to pay penalties that they caused but I never got a call back or a response back. 
The amount I need to refunded from them is total of : {$5300.00}