23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX... I received a letter from Medical Revenue Services AGREED that they are comfortable violating ALL FEDERAL LAWS ( see exhibit B ) On XX/XX/XXXX, Medical Revenue Services ( see exhibit A and C ) states that they sent a letter to the credit reporting agencies to remove the accounts listed that were on my consumer report which was a direct violation of the FDCPA and FCRA. This complaint was to be corrected no later than 30 days. In the letter dated on XX/XX/XXXX, Medical Revenue stated they received my dispute however they willfully and knowingly desire to ignore it and continued to request a payment for the amount of the alleged debt. The exhibit ( B ) show that they had intentions to violate the law and commit a crime because the accounts were still in their database as of XX/XX/XXXX and that they did not send a deletion to the consumer reporting agencies for it to be removed. Under federal law 15 usc 1611 ( XXXX ) ( XXXX ) ( XXXX XXXX Medical Revenue Services are in violation and will be sent an invoice and letter demanding that the inconsistencies in their own paperwork shows they are committing a crime and therefore shall be fined for the false and misleading documentation that they sent through the mail. They have damaged me in the amount of {$6500.00} because this is negatively reporting on my consumer report for over 6 months. When I run my report, it shows a collection which is not true. Medical Revenue Services will be reported to the FTC, XXXX and XXXX for their willful intentions to have the consumer suffer from false and misleading data they continue to send to consumer reporting agencies that this alleged debt is valid and to continue negatively reporting it.
Product: Credit card or prepaid card

In XX/XX/XXXX I made a purchase using XXXX which would charge my Chase credit card {$750.00}. I then returned the item to the merchant and waited for my refund. There was a delay in getting the refund so Chase gave me a credit for the {$750.00} in early XX/XX/XXXX and I filed a dispute against the vendor. In XXXX, XXXX the vendor gave me a refund of about {$730.00} which was the {$750.00} minus return shipping. Chase did not realize the vendor had returned the funds for 3 weeks until i noticed the refund on my account and called them. They explained that the {$750.00} they credited to me in XXXX had been taken from XXXX and they would return the money to them. Chase then rebilled me the {$750.00} on or about XX/XX/XXXX as I had received 2 refunds for the same item. 

I assumed at this time everything was over. Until About XX/XX/XXXX XXXX also rebilled {$750.00} to my credit card. I also noticed they had blocked me from using their services. I called XXXX to ask why had they rebilled me. They told me the merchant issued a refund in XXXX and they ( XXXX ) never received their money that Chase had credited to me in XXXX. 

I have called Chase every week since then several times per week asking them what is the process for returning this money to XXXX. They have told me they returned it to the bank on XX/XX/XXXX and XXXX had to check the bank or merchant services. I called XXXX to give them the information and they have stated they see no refunds on their account. XXXX is now emailing me, texting me daily about this debt they want to collect from me. I dont understand why XXXX and Chase cant work this out. How did I as the consumer get in the middle of this trying to figure out where this money went. I never received a cash. This was all transactions through a credit card. So I dont understand why XXXX believes I am responsible for any delays. 
I have called Chase numerous times per week asking for help. Asking them specifically where the money went, to what bank, are there any routing numbers etc. Chase has told me weekly they will look into it and call me back with updates. Chase has never called me. I dont want this to go on for months. I need help.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified of adverse action with company to have a chance to dispute the information. So I could get the job. This companies agents are rude. The never sent any information from XXXX to dispute the information.,
Product: Credit reporting or other personal consumer reports

I'm reaching out today because upon reviewing my most recent credit report, I'm deeply troubled by the inaccuracies present. It's concerning that these items are being reported incorrectly, and I'm seeking your assistance in resolving these issues.

As per the Fair Credit Reporting Act ( FCRA ), it's mandated that credit bureaus report information that is entirely accurate, verifiable, and timely. I understand that you have a 30-day window to conduct investigations as required by law. Failure to adhere to these federal regulations could result in an investigation by the Federal Trade Commission.

I insist on a comprehensive investigation into each error listed, with a detailed report provided to me upon its completion. 

Regarding the inquiries listed below, please address them as well : XXXX XXXX XXXX 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

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my XXXX card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. 
I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. 

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. 

Thank you. 

Sincerely, XXXX XXXX XXXX cc : XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX T whom it may concern XXXX is reporting my late payments in error! 
this is the letter I wrote to XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my XXXX card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. 
I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. 

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Debt collection

I received a call today from Midland Funding about an account I have never heard of. When I asked for debt verification they gave me the runaround and failed to even hear my request. The kept changing the dates and would not agree to send the debt verification.
Product: Credit card or prepaid card

I am the XXXX XXXX-in-fact under a Power of  Attorney that Synchrony/XXXX  accepted. When I received instructions on sending in the POA for review, I received no further instructions about next steps, but I called today XX/XX/18, to obtain online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Synchony/XXXX is unable to provide me with online access bc the dual authentication process sends the principal a code to proceed with registration. Sending a code to the principal does not help me obtain online access since I am 150 miles away and she has XXXX. I am not able to change the address or phone number on the account via phone, which is another way I could get the dual authentication needed for me to access the account.

The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. But, Synchony/XXXX  won't give me online access to the account activity and maintenance features unless I write by snail mail to some Verification of Documentation department and enclose the POA - which I  already gave them and they approved within the last 30 days - asking for a change of address or phone number just so I can get online access to the account. And, it is not at all clear that such a tactic would work. 

Are you XXXX kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Synchony/XXXX   would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 
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 21 days before the payment due date. 


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 21 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: Debt collection

XX/XX/year> {$11000.00} 15 usc 1692c law If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Bank account or service

I attempted to withdrawal funds from my prepaid account with XXXX. at a US Bank sponsored ATM on XXXX XXXX, 2015. The ATM did not dispense the funds but debited the {$240.00} transaction from my account. I went into the branch to find out what my options were and hoping that they would give me the funds that their ATM that they are responsible for did n't disburse only to be treated like I was some kind of bum off of the street begging for something that did n't belong to me. The banker kept indicating to me that there was nothing they could do that the ATM would need balanced and then I would need to file a regulation E claim with my financial institution. The branch manager never showed his/her face after repeated requests to speak with an authoritative figure and I left the branch in tears and without my money. It has been devastating to me over the last few weeks because I have taken an unexpected {$240.00} hit only to be told that if their ATM balanced out that there would be absolutely nothing that could be done to reimburse me. I even told the XXXX at the branch that if the ATM balanced out that meant the gentleman behind me in the line at the ATM received my money, but she reassured me that that would never happen. I contacted the executive offices of US bank only to be told there was nothing they could but wait for the transaction to process. The transaction has finally processed and my financial institution has filed a regulation XXXX claim with US Bank ... but I am again advised by US Bank that there is nothing they can do to expedite my request for reimbursement because their ATM is serviced by a XXXX party and it is up to the XXXX party 's processing time frames. I am still without {$240.00} here almost 2 weeks later. I am not rich ... I am not even middle class. I have fallen behind on bills and am incurring fees because of late payments due to this issue. Why was n't I put first? Why did n't the branch manager of US Bank address me and give me my money and indicate they would handle the back end issues on the back end? {$240.00} would have been a small price to pay for XXXX of the largest financial institutions in the United States to keep a smile on a my face and prevent me from going through hell over the last two weeks. but they did n't and I am still without and my XXXX children that I work hard for every single day are still without ...
Product: Payday loan, title loan, or personal loan

I received an offer in the mail from Big picture loans and applied using their website on XX/XX/2017.  After being approved, I was provided with the rate and terms which were as follows. 

{$720.00} loan with an estimated APR of 558.4082 % and a monthly payment of XXXX for 13 months. 

This morning I received an email stating that my loan was being processed and I sent this responce. DO NOT PROCEED WITH THIS LOAN REQUEST!!!! 
I have no intention of utilizing your services regarding this loan as the rates quoted at the end of the loan process are at the very least predatory and more than likely criminal in nature. My experience with your firm is being forwarded to the appropriate State and Federal agencies for regulatory review.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against TransUnion for failing to conduct a reasonable investigation into the inaccurate information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report, including a bankruptcy. In my dispute letter, I specifically requested that TransUnion provide details on how they verified the accuracy of the disputed negative items, which I believe are inaccurately reporting. 
To ensure my identity was properly verified, I included a copy of my government-issued ID, Social Security card , and proof of address. Despite providing all required documentation, I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), if a consumer disputes the completeness or accuracy of any item of information on their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. TransUnions refusal to investigate my dispute constitutes a clear violation of my consumer rights under the FCRA.
Product: Debt collection

On XXXX XXXX XXXX, I notified Alliant Credit Union via notarized Affidavit of Truth that they were in violation of the Fair Debt Collection Practices Act. Additionally, I made them aware of the specific federally protected consumer law violations that they had breached and invoiced them in order for them to provide a remedy. By XXXX XXXX XXXX they had failed to respond to the aforementioned Affidavit of Truth ( attached ). Also on XXXX XXXX XXXX I notified them via notarized Default and Opportunity to Cure letter that they were in default and gave them the opportunity to cure within 3 days. Furthermore, I re-sent the previous Affidavit of Truth and Invoice for their review. There was also no response to this. Alliant Credit Union has violated my rights as a federally protected consumer under the following specific statutes : 15 USC 1692 d ( 1 ) 15 USC 1692 b ( 2 ) 15 USC 1692 f ( 8 ) 15 USC 1692 b ( 5 )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Name - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Dire Violation of The Fair Credit Reporting Act ( Vystar Mortgage Acct Number XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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.

15 U.S.C. 1666B : A creditor may not a treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.