23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint Regarding Unvalidated Debt and Improper Legal Action I am writing to file a formal complaint regarding the improper legal actions of attorney XXXX XXXX XXXX of the Rausch Sturm law firm. This complaint concerns an unvalidated debt for which I have been repeatedly threatened with legal action, in apparent violation of federal consumer protection laws. 

Background : Attorney/Law Firm Involved : Attorney : XXXX XXXX XXXX XXXX XXXX : Rausch Sturm Debt Information : Debt Type : Credit card Alleged Creditor : XXXX I have made multiple attempts to contact XXXX XXXX XXXX and Rausch Sturm via mail, email, and phone regarding this matter. 
I have formally requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 809 ( b ), which mandates that collectors must provide sufficient evidence to validate a debt upon request.

Lack of Response and Validation : Despite my efforts, neither the attorney nor the firm has provided adequate validation of the debt.

The failure to respond to my validation requests directly violates FDCPA 809 ( b ). 
Legal Action Threatened : XXXX XXXX XXXX and Rausch Sturm have attempted to take me to court for this unvalidated debt, which constitutes an additional violation of FDCPA 807, prohibiting false or misleading representations.

Violations Alleged : FDCPA 809 ( b ) : Failure to provide debt validation.

FDCPA 807 : False and misleading representation of the debt 's validity by threatening legal action without providing proper validation.

Fair Credit Reporting Act ( FCRA ) 611 : If this debt has been reported to credit bureaus, failure to ensure the debt 's accuracy before reporting it. 
Harm Caused : These actions have caused significant stress, wasted time, and jeopardized my financial stability. The improper threat of legal action and lack of response have left me with no resolution to this matter. 

Requested Resolution : Immediate Action to Cease Collection Attempts : XXXX XXXX XXXX and Rausch Sturm must immediately cease all collection attempts and legal threats until the debt is properly validated.

Debt Validation : Provide a full validation of the debt, including documentation proving that it is valid and that I am responsible for the alleged amount.

Removal of Credit Reporting ( if applicable ) : If the debt has been reported to credit bureaus, it must be removed until it is properly validated. 
Investigation and Enforcement : I request that the CFPB investigate the practices of XXXX XXXX XXXX and Rausch Sturm for potential systemic violations of federal consumer protection laws.

Assurance of Compliance : The attorney and law firm must comply with all applicable laws moving forward to avoid similar issues for other consumers.

I trust the CFPB to address this matter promptly and fairly. Please let me know if additional information is needed to proceed with this complaint. 

Thank you for your attention to this urgent matter.
Product: Debt collection

I keep receiving continued calls ( many times per week ) from the following number ( XXXX ) for a debt owed by my adult son who does not live with us. I have told at least XXXX different people to stop calling and they promise that they have put our number on a do not call list, but they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt account # XXXX XXXX XXXX, account number XXXX Account name XXXX XXXX, account number 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

I had to go Bankrupt in 2013 due to my husband passing away.I have a car loan and that 's all, I do not have any credit card 's at all.I have to get a small loan {$200.00} for my XXXX.The Credit Agency keeps saying I have credit cards that do n't exist.XXXX for XXXX I have NEVER dealt with these people and XXXX XXXX and again have not EVER dealt with these people.Everything else I have been making payment 's on time for my car.I checked my credit and it say 's nothing deliquint and nothing in collection's.So what 's the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a real person. I have tried to fix my problems with Experian and the other credit bureaus. They have continued to fail to be compliant. Ive let them know about my rights and the laws several times and each time they dismiss me as if i don't know what I'm talking about. Ive been studying they law and my rights as a consumer for over 3 years. 
They continue to furnish false and incorrect information on my credit report. I have told them the accounts below arent mine and need to be deleted immediately. However instead of deleting, they have just updated the account. I will take this matter into further action if they fail to delete the accounts from my report. 
They continue to violate my rights by furnishing information on my credit report without my written instructions and consent according to 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

Also they continue to contact furnishers about information they claim is about me, & releasing information about me to the furnishers when I have gave them NO permission to do so. Ive told them several times these accounts ARE NOT MINE. But they still continue to contact furnishers to validate information about me and has continued to violate my rights and laws by doing so.

According to 15 U.S.C section 602 A states i have the right to privacy.

Also 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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 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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX, Has violated my rights XXXX These inquiries are unauthorized and ARE NOT MINE and should be deleted IMMEDIATELY! As well as the accounts below! 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX  XXXX Account # XXXX XXXX XXXX, has violated my rights. 

XXXX Account # XXXX of XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX. XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my report from Clarity Services dated : XX/XX/2022 There is lots of incorrect information in this report. Many of these items have already been removed from my Experian Report but someone they are still remaining on my Clarity Report. 

These are the items that need removal : Inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer should ONLY state : XXXX XXXX ( not insurance sales ) There is NO explanation to the consumer as to what the Clarity Credit Score is all about and that is XXXX
Product: Money transfer, virtual currency, or money service

I was led to put money in a fraud ent website XXXX XXXX. I put {$600000.00} but I checked with XXXX and was told that this app is not affiliated with XXXX
Product: Credit card

XXXXXXXX XXXX by comenity bank charged me {$2.00} after my bill was paid in full and on time the month prior. Not only that, they charged me an additional {$4.00}. So now they want {$6.00} from me when my bill should show a XXXX balance. Never before have I experienced this with another company/ bank. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

i have apply for credit card at Brclysbank DE but i was turn down in the report i send you with the attachment on page XXXX at the top brclybank DE is on my report as a creditor i did not get any credit card i have call the company and they say something about deletion letter
Product: Debt collection

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and have excellent credit history XXXX XXXX, XXXX XXXX, XXXX  XXXX. 

I tried to PURCHASE a CD with CASH from XXXX XXXX and was turned down because of a report from ChexSystems. 
HOW CAN a company like ChexSystems have this much power??? HOW CAN ANY entity claim that I owe them money and cause me the hardship and TIME LOST in getting this corrected?
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 XXXX XXXX XXXX, account # : XXXX has violated my rights. 

I was looking at my Experian Credit report on XX/XX/year> and noticed several inaccuracies. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 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.

15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

Yes I have sent out multiple certified letters to this credit bureau. Each time they have claimed the accounts were verified and reinvestigated. However they have not shown any proof and there are still inaccuracies and misreporting on my credit report. The incorrect accounts are the following, DEPT OF ED/XXXX  Account # : XXXX, DEPT OF ED/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX Account # XXXX XXXX. I will be attaching a credit report from XXXX today and they have removed all these accounts. This not only proofs the accounts were inaccurate but that this credit bureau has violated multiple FCRA laws. These accounts must be resolved and removed ASAP.
Product: Checking or savings account

XXXX would work well, if all payments submitted are received immediately. It's a concern when the recipient replies, I don't see the payment in my account. Also, no mechanism in place to notify you payment received similar to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX and Citi card have on multiple occasions lowered my credit limit multiple times making it look like Ive reached my limit and causing issues with my credit score. Ive paid in time and Ive even locked my cards so they are not used while I pay them down. How is this legal for them to lower the lower limit making it look like Ive abused my credit when in fact I had plenty line of credit. I spoke to them and they said they received. Information without my consent from the credit bureaus. Im confused if Im paying on time as well as paid the cards off multiple times why am I and others being punished. It makes no sense
Product: Student loan

I wanted to consolidate ALL of my loans, I submitted an application on XX/XX/XXXX and it was processed by XXXX. However, XXXX closed and Aidvantage took over the loan consolidation, but now, on XX/XX/XXXX, ( after verbally telling me all my loans were consolidated ) they say they have no record of my loan consolidation and will not accept my email to verify that I submitted an application. I need all my loans to be consolidated in order to qualify for XXXX XXXX XXXX XXXX ( XXXX ) program. Please help. The deadline to consolidate was XXXX XXXX, but I was never informed that my loans were not consolidated. PLEASE HELP.
Product: Mortgage

The company ( XXXX XXXX Mr. Cooper ) misapplied my XX/XX/XXXX mortgage payment, by applying the entire payment to principal without direction. They then notified me that my regular payment was overdue. When I called them about it, they reversed the action and a late fee, but lost {$200.00} in the process. I have called them 8 times, twice speaking to their 'resolution ' team, and each time was told that this was their mistake and would be corrected. This has been going on since XXXX XXXX, and my account is still showing {$200.00} short, OVERDUE by 30+ days, and it has effected my credit rating. The regular payment amount is {$2800.00}, and was posted to my account on XX/XX/XXXX. The amount misapplied to principal was {$2600.00} ( {$200.00} less ). Currently there is {$2600.00} in my account showing 'unapplied ', and my account is still showing {$200.00} short.
Product: Debt collection

I discovered this tradeline on my credit report listed by Ad Astra Recovery Services Inc. I sent them a dispute letter datedXX/XX/XXXX ( attached ). OnXX/XX/XXXXthey responded with this letter ( attached ). Nowhere in the documents provided do they prove I actually owe a debt. Nowhere is a contract bearing my signature or any proof they are even legally able to collect debt in Texas. Where the signature would be someone has typed in my name ( see attached, circled ).
Product: Debt collection

Repeated phone calls from XXXX and continues at least twenty times that after throughout the rest of the day. Kills my phine battery, takes up my time and is annoying and is irritating me know. When I answer it gives me a message with a phone number to call back. Then receive a debt letter from XXXX XXXX, XXXX with a side note stating, " tax time is a great time to put issues like this behind you. Consider using any possible tax refund you may receive to satisfy your outstanding obligation. '' Regardless this should never been a collection account because the dealership never refunded this amount like they should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a collection on my XXXX, XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of a larger discrimination and destitution scheme The Plaintiff would rent a car from XXXX XXXX during XXXX - XX/XX/XXXX. The XXXX would pay the XXXX $ rental price and then magically XXXX XXXX would send the payment back to The XXXX 's credit card. Due to knowing the nature of the return and the motives behind such actions The Plaintiff would accept the refund and would go about his life. Knowing the intention was to report the car stolen and get The Plaintiff killed or arrested, as many articles about the same practice would infer, The Plaintiff would return the rental on the return date. The Plaintiff would then see XXXX XXXX charge his credit card after deliberately and intentionally issuing him a refund of their own accord and choice and insist that he owed them money despite already actually paying for the rental. The Plaintiff would inform his bank, Wells Fargo, of what was occuring and despite being aware of the situation and being fully informed of what was occuring The Bank would choose to honor the Company 's illegal action, wire fraud, and charge The Plaintiff 's credit card for the original XXXX $ rental price as well as a XXXX $ fee, that was just a form of extortion, another count of wire fraud. The Bank would then close The Plaintiff 's bank account and levy a XXXX $ charge against his social security number, as part of a scheme to destitute and disenfranchise him by attempting to force him to be unbanked and allowing him to become a victim of robberies, as was intended and had occured to The Plaintiff. As part of a large scheme by several financial institutions, as similar as the bank crisis of XXXX and XXXX, to destitute and disenfranchise The Plaintiff he would be discriminated by several of financial institutions under the ruse and by a No Business Order, which has no actual bases due to The Plaintiff being victimized through the use of XXXX and XXXX XXXX XXXXe by said institutions ' employees that he was a stereotypical XXXX male in an attempt to force The Plaintiff to turn to a life of crime and get killed by Police. As similar as Germanys reporting Jews during the XXXX said institutions would treat The Plaintiff as if he was a criminal XXXX boy and in the wrong despite having records of their employees exhibiting the XXXX and discriminatory actions. The Plaintiff would intentionally and deliberately be insulted by said institutions ' employees time and time again in an attempt to force him to lose access to his account and end up destitute. Said Institutions would knowingly, intentionally, and deliberately side with their wrong employees and attempt to destitute The Plaintiff.
Product: Debt collection

Received a robot call from this company stating to call them back. Called them back and they refused to give me the information after I identified myself. Told them to stop calling and called again.
Product: Debt collection

Hi, The attachment documents definitely don't verify the debt on documentation with Chase and it doesn't make sense. How can I settled the account on XX/XX/XXXX but it was charged off on XX/XX/XXXX. No way this can be validated method of verification or proof of required documentation. 

On XX/XX/XXXX i wrote to them this below ... .. 

Chase Credit Card Services Attn : Consumer Dispute XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX RE : Acct # XXXX it shows 30, 60, 90, repetitive 120-day and multiple KD statement which makes the report inaccurate and a violation. Please update accordingly or remove this account from my credit report. Your agency has " CO '' listed several times on my credit report which is a major violation of the FCRA. Also it shows 30, 60, 90, repetitive 120-day and multiple KD statement which makes the report inaccurate and a violation. Please update accordingly or remove this account from my credit report. 

Dear Manager : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 
Sincerely yours, XXXX
Product: Credit reporting or other personal consumer reports

These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Thanks. 
XXXX : Equifax : 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