23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my final attempt to get your company to follow your duties under the law before I seek damages to the fullest extent. I have notified you on 3 separate occasions regarding this fraudulent debt yet you continued to report it without proper validation. I have submitted an Identity Theft affidavit and you still continue to report this debt as both valid and meeting FCRA requirements. This was not a request to delete this fraudulent information, it was a demand. I DO NOT OWE THIS DEBT! Your fraudulent reporting is severely damaging my credit and reputation to the extent that it is now affecting my business. I intend to escalate this matter to a court of law if this final attempt to rectify is again met on deaf ears and rest assured this is not an idle threat. I will seek damages to the fullest extent of the law PER VIOLATION.
Product: Credit reporting or other personal consumer reports

The 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 XXXX  XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX has violated my rights. 

I looked at my Transunion 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 generally, after any reinvestigation under paragraph ( 1 ) 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

In accordance with the fair credit reporting act the list of accounts provided below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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

15 U.S.C 1681S2. 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. 

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692B. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

15 U.S.C 1692D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Privacy violations. 
Abusive of power and abusive of incorrectly reporting. 
Requesting a credit report for an impermissible purpose. 
Failing to follow proper debt dispute procedures. 
Furnishing and reporting old information. 
Furnishing and reporting inaccurate information. 

Multiples accounts reported on all 3 bureau XXXX. TRANSUNION. XXXX are incorrectly reported mixed dates and amounts, lates, derogatory and dates closed. 

XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax did not have the proper security measures in place and my identity is now part of the public domain. I 've had to put up fraud alerts and everything else to try to make sure my identity is not stolen because of Equifax. Equifax also decided not to report this for several months. Thanks Equifax.
Product: Debt collection

Subject : Complaint Against XXXX XXXX XXXX for Violation of Consumer Rights and Incorrect Account Status Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. On [ Insert Date ], I noticed that XXXX XXXX XXXX has reported the aforementioned account on my credit report, indicating that it is not in accordance with my understanding of the terms of our agreement. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that XXXX XXXX XXXX promptly rectify this misrepresentation and update the account status to " PAID AS AGREED, '' as it accurately reflects the terms of our agreement. Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of XXXX XXXX XXXX have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold XXXX XXXX XXXX accountable for any violations of my consumer rights. Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. Sincerely, XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. During the year XXXX, an account was opened with XXXX XXXX in Florida   reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL  XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency RGS Services. In XXXX, I, XXXX XXXX, opened an account with XXXX XXXX in XXXX Wisconsin  from XXXX XXXX XXXX XXXX, XXXX, WI   XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XXXX, a payment was made by my bankruptcy trustee to XXXX XXXX for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, RGS is double reporting the XXXX accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with XXXX and currently have an open account with them. XXXX has updated their accounting, however, RGS refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 up to present My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 
For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit card

my credit card company will only allow me to make minimum payments or pay the entire balane
Product: Bank account or service

I received an email offer from Bank of America on XXXX XXXX, 2015 offering a {$300.00} bonus for signing up for a checking account and having $ XXXX of payroll direct deposit within 3 months. I met those requirements and never received the bonus. It has now been over 6 months and still no bonus. I have called Bank of America customer service at least 10 times. I 've talked to multiple supervisors who have to check with their promo dept to look into the matter and to the best of my knowledge they are having trouble finding me in their database of customers who received this offer. This has been going on for 6-8 weeks. No one seems to really want to address my issue. I 've offered to forward the email and provide any other info to prove to them that I received the offer email from them but instead they give me another date and put me off for 2 more weeks while they escalate my issue. I have done everything I can think of to solve this on my own but have run out of options. At one point someone at BofA suggested I go to a local branch and have them fax a copy of the printed email I received which I was willing to do except for there are no branches within XXXX miles of where I live. 
This is fraud. They 've offered me something, I meet all the requirements, and then BofA requires me to spend 25+ hours of my time on the phone with them fighting for the bonus.
Product: Vehicle loan or lease

This is an UPDATED complaint submission to my current CFPB case under complaint ID XXXX. For several months Chase has been incapable of drafting my monthly payment for my car for the last few months from both my bank AND credit union. Three submissions to the CFPB now and they give false and/or contradictory information in each response. So I contacted Chase to try to find out how I 'm supposed to make my payments since the only options they have given is open a Chase bank account or XXXX XXXX. Neither of these are acceptable when I have to bank accounts that EVERY other bill I pay has no problem drafting from. When I contacted Chase it was made clear what the problem is. THEY STATE MY ACCOUNT IS PAID IN FULL. They even sent me a letter to confirm this. SOOO imagine my shock when some tow truck driving fool tries to sneak up to my windows late in the evening shining his flashlight around SCARING my kids. Well he was gone quickly once discovered. I do n't know what three ring circus Chase has going but this is CLEARLY a legal issue. They are misrepresenting BIG TIME. Chase needs to be honest NOW!!! My letter dated XX/XX/18 says paid off. Now I have been ACTIVELY trying to get an answer and if Chase takes my car after first refusing my payment attempts and second sending letter of paid in full. Then I guess Chase can pay my attorney fees when i have to take this higher I 'm providing the letter to you the CFPB AND ON MY SOCIAL MEDIA ACCOUNTS ALONG WITH THE PICTURES I TOOK OF THEIR TROLLING TOW TRUCK DRIVER.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is in response to the company 's response from complaint number XXXX. 
I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to Transunion to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
Transunion did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my report.
Product: Debt collection

15 USC 1681 ( a ) ( b ) ( c ) According to this United States Code, all of these companies attempting to collect a debt that doesnt belong to me, and damaging my personal credit score, are in violation of this code. My information is confidential to only the entity I allow it to be shared with. My information was not to be shared with any other institution whatsoever therefore, remove every negative account on my credit report. I will be requesting 1099 forms from each of the original creditors to show proof of them charging my accounts off as a profit loss. If not removed, they will be fined. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed unauthorized credit inquiries on my credit report from SYNCB AMAZON XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. I did not give permission to these companies to access my credit. As soon as I saw these inquiries, I contacted each company to dispute the unauthorized activity. I also reported the incident to the credit bureaus and filed a report with
Product: Credit reporting or other personal consumer reports

I have mailed / certified mailed each credit bureau multiple letters requesting them to uphold Consumer law and Fair Credit Reporting act ( FCRA ) -15 U.S.

Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ) as well as numerous violations to 15 U.S code 1602. I have received one letter back stating that they " appreciate me for trying to fix my credit but they could not confirm that it was me sending in the info because it was sent from a credit repair company. '' even though i had my valid drivers license and current lease agreement attached to the bottom of each dispute letter. I've also called each bureau and spoke with agents for them to remove all incorrect information on my reports where they attempted to lie to me and tell me they couldn't be removed bc their are creditors attached to the incorrect names on my report. At one point i had 6+ incorrect names on my credit report and believe today i still have 2 or 3 in correct names and address attached to my credit report. FOR THE RECORD MY NAME IS XXXX XXXX ; XXXX XXXX Dates amounts and account numbers are in attached documents. 

I am aware that my personal information is not to be shared or made public without my consent and I DO NOT CONSENT to any negative item, or collection or late payments to be on my consumer profile report
Product: Credit card

On XX/XX/XXXX, someone in XXXX XXXX, FL called impersonating me with my SSN, and requested XXXX of my credit cards be Fedexed to their address. 

In spite of me having XXXX set up, USAA sent these credit cards to someone who clearly was not me ( wrong address, wrong state, wrong phone number, wrong security settings ). 

I called and asked why cards were being sent to another address, and said they should immediately cancel all the cards. They said they would. 

They didn't cancel them and instead allowed the individual to run up $ XXXX of cash advances and fees at XXXX XXXX XXXX over the course of XX/XX/XXXX to XX/XX/XXXX. I didn't catch it since I thought they would've canceled the cards. It only stopped when I noticed the charges on XX/XX/XXXX and called them. Complete failure of security protocols. 

Many of the charges have been credited to my account as fraud, but about {$400.00} in charges remain that they're claiming are legitimate and not helping me whatsoever. They wanted me to write a letter proving the charges were fraudulent. So I did that. Please help resolve these outstanding charges and fees. They are going to withdraw the funds from my bank accounts soon to pay off these fraudulent cash advances. 

Thank you, XXXX XXXX
Product: Debt collection

LVNV Funding LLC has continuously tried to collect on fraudulent debt even after being notified and receiving FTC fraud reports and documentation to prove the debt is fraudulent. Now they have sold ( knowingly ) this fraudulent debt after being provided all of the documentation required by law. The response from LVNV last complaint logged with the CFPB about this stated that i should file a report with the FTC for identity theft. They had already received this report at this 2 times at the time they wrote the letter. I have attached it for a 3rd time to ensure they receive it. their bogus reply is also attached. I have sent them ( 3 times ) a copy of the FTC identity theft report but as of XX/XX/year> they are still trying to Illegally collect this debt. LVNV continually harasses me about his debt, and refuses to accept the Identity Theft Reports from The FTC. I received yet another letter in the mail on XX/XX/year> after i specifically sent them a cease and desist letter. I am asking that the CFPB launch a thorough investigation into this company and their collection practices and blatant violations of the law. A hard copy of the Identity theft report has been sent to LVNV, and it was sent with delivery confirmation. LVNV received this but continues to try to collect the fraudulent debt and has even been so bold as to state that they will continue to do so regardless of the law and will not stop until i give them the money for the fraudulent debt. I will not pay, the debt is not mine, and furthermore if the CFPB fails to act i will take legal action. LVNV now has another one of its shady companies trying to collect this debt and sending me mail now. the company is XXXX XXXX XXXX XXXX which is a subsidiary or resurgent capital/ LVNV. I have all documentation to provide the CFPB to prove the fact that what i have stated is fact. 
FTC report # XXXX ( identity theft.org ) -LVNV is directly named in this report. A hard copy was once again sent on XX/XX/XXXX with signature confirmation. ( 3rd time )
Product: Debt collection

1 : Debt buyer- XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX for communications purposes. I have never banked with or made an account with this XXXX or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify. 

2 : Debt buyerXXXX XXXX XXXX XXXX, XXXX. 
Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around their U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return. 

3 : Debt buyer- Midland Credit Management XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was XXXX XXXX XXXX, however I never gave them consent to sell my information. I have never willingly created an account with <Midland Credit management. The original charge off date was XXXX All in all, none of these collections companies have failed to verify my debts, contracts with my original signatures, or my current address and the original creditors never received my consent to sell of my information to the collection companies