23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested. 
I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it.

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : www.consumerfinance.gov/Complaint/ XXXX XXXX XXXX XXXX XXXX XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

This is a follow up to complaint XXXX - PlusFour ( which they incorrectly closed ) and XXXX - XXXX XXXX which is still open. Both parties finally provided me information regarding the basis for their claim. It is now however obvious that this is a medical billing error on the part of XXXX XXXX. I have send a certified letter ( my third ) to both XXXX and XXXX XXXX showing that ( 1 ) I had continuous health insurance coverage in XXXX and ( 2 ) they incorrectly billed the wrong XXXX XXXX . I also demanded for the second time via certified letter that that PlusFour and XXXX XXXX IMMEDIATELY REMOVE the incorrect MAJOR DEROGATORY with all credit agencies that they have put on my credit history! Additionally, I suggest that they rebill as the services XXXX XXXX provided ( i.e., my annual female check up exam ) are covered by my insurance and if they had billed correctly I would not be dealing with this issue I am uploading the most recent certified letter where I have now documented ( from their records! ) they have a billing error and that I had insurance coverage during this period of time. This is my third certified letter and one phone call that I have had to invest time in order to identify they have a billing error. I am not uploading the attachments to my last certified letter of XX/XX/XXXX as the file is too large. I am uploading only the cover letter. At the end of the second page of the cover letter I have included the time line of my efforts to identify and correct this issue.
Product: Credit card or prepaid card

I have an inquiry from Comenity Bank/Bread Financial/Victoria Secret on my XXXX Credit report that I did NOT give permission for. 
It posted XX/XX/XXXX, today. 
I have not given permission for any hard pulls for my credit to Comenity. Comenity usually calls me before even doing a soft pull inquiry because of the fraud alert on my credit reports. I dont know what is going on but I want this off my credit report!!!! 
This is coinciding with Comenitys website being down and not being able to make payments or talk to anyone on the phone therefore I havent been able to get help directly from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed the following complaint with affidavit but XXXX XXXX listed it as duplicate. This isn't correct since it was new. " I have made many many complaints to CFPB on XXXX XXXX for fraud and identity theft in 2017. Attached is IRS FORM XXXX Fraud Affidavit. Hopefully XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled. ''
Product: Debt collection

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ACIMA DIGITAL FKA SIMPLE XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

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

Please see attached documaents. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : Disputed Accounts : 1.Creditor Name : XX/XX/XXXX Account Number : XXXX Balance : {$660.00} Date Opened : XX/XX/XXXX 2.Creditor Name : XXXX ( Original Creditor : 12 XXXXXX/XX/XXXX) Account Number : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXX 3.Creditor Name : XXXXXX/XX/XXXX ( Original Creditor : 01XX/XX/XXXX MISSOURI ) Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX 4.Creditor Name : XXXXXX/XX/XXXX( Original Creditor : 01 XX/XX/XXXX ) Account Number XXXX XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

This is a follow up to CFPB Complaint : XXXX. This is a rebuttal to Bank of America 's XXXX response that I continue to get. They continue to tell me to call XXXX ; however what these idiots in the Regulatory Complaints Dept do not realize is that I have been calling and NO ONE, not even a manager can help me and THEY do not know why! I have been asked several times to call back and when I do, their systems are down or they can't file the claim because of the type of charges and length of time. I need SOMEONE at BOFA to call me to get this taken care of. I also NEVER received a call back from anyone, specifically this XXXX XXXX or XXXX XXXX. I have called and left several messages and I never get a callback. This is just insane! CFPB, please get involved, tell them to pull all CALLS and file the claim so that I can get my money already! Also, DO NOT have the wait another 60 days to respond ... Yes I know they have 60 days but this is my 4-5 complaint so far and I can not wait anymore! I have also filed a complaint with the NV Attorney General and have now been in contact with XXXX XXXX  here in XXXX XXXX. They actually did a report of this a few months ago and they are very interested in this. In addition, I have gone into XXXX  and XXXX and blasted BOFA. I also left several messages for BofA in Messenger! I am about to start writing letters to each CEO and contacting them myself! I am sooooo TIRED of this already!! Bank of America needs to credit my acct for all 26 fraud charges from XXXX  XXXX in XXXX XXXX for {$2500.00}!!! If they need me to tell them this over the phone, then have them call me at XXXX XXXX. I work a lot so if I do not answer, they can leave a voice message or they can also contact my mother who has been helping with this at XXXX XXXX XXXX. She has been my witness to all this mess! CFPB.. I am very certain that there are Compliance and Regulatory violations! CFPB please do your job and escalate this to the fullest. I will continue to file complaints until this gets resolved!!! If this does not get resolved, I will be filing a law suit!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFP B lawsuit highlighting significant issues with the platform Disputes system and discrepancies with my financial institution and Zelle failing to investigate my claims adequately. They inform me the recovering loss funds was impossible and that tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect cut swimmers, but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

CONVERGENT OUTSOURCING INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON XXXX Convergent Outsourcing Inc, I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ Original Creditor-XXXX/Account number XXXX ] . It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. 

I demand that you immediately cease all attempts to collect debt, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. 

Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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

XXXX XXXX XXXX has incorrect mortgage payments, here are the following incorrect negative reports. 
History : XX/XX/24 ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The report is under Experian also showing the mortgage was under a bankruptcy which was never under a bankruptcy.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. XXXX, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$270.00}
Product: Checking or savings account

XXXX - I noticed that Citi had blocked my access to my bank and credit card account. I can not access my bank account or credit card account via the mobile app or website and even the phone system will not tell me updated information, only what the last reported balance was when the block was put in place. I called the banking customer service number. They told me I had to wait for a letter to be mailed to me with a code that I had to provide to them. I tried to verify with my phone number but they said they couldn't verify it, which is odd because I confirmed it in my account previously and receive text alerts from Citi regularly. 

XXXX - I still did not receive the letter with the code and was still blocked from my account so I called back They told me I had to wait fo the code. I asked about driving to my local branch with my ID and passport to verify my identify. They said they would not unblock my account access even with those proofs of ID and that I had to wait for the letter to arrive in the mail. I asked if they could confirm my auto deposits and auto pays would function as normal and they refused to tell me anything because I didn't provide the code from the letter I hadn't received. I called multiple times on this day expressing that I was worried I would not be able to pay my rent with my account blocked. They did not help me. They only told me to wait for the letter and twice, two different customer service reps hung up with me. I was not yelling or acting aggressively in any way. I did not swear once. I also called the Credit Card department and they tried to grant me access to my Credit Card on their end, but the banking block overrides anything they could do for me. I emailed Citi 's executive response team to request their help and was provided with this reference number for my case : XXXX XXXX - I still did not receive the letter and was now very worried about the state of my account, since I could not confirm my paycheck had been deposited. I was very concerned about being able to pay my rent. I called Citi and they again would only tell me to wait for the letter. I then called my local branch and they confirmed that they also wouldn't be able to help me either. 

XXXX - I still have not received this letter with the code and still can not access my bank or credit card accounts.
Product: Checking or savings account

American Express sent me an invite to sign up for a business checking account with a sign up bonus of XXXX XXXX  Reward Points sometime before XX/XX/2022. I started to fill out the application but I never hit the submit button and just closed my browser and decided against it. On XX/XX/2022, I saw the sign up bonus went up by XXXX to XXXX points. I went into the American Express web site and click on a link with the XXXXXXXX XXXX sign up bonus, I filled out everything and met all the requirements for the bonus. However, American Express only credited me with XXXXXXXX XXXX bonus points. They claimed that I started the application with a link that only qualified for XXXX XXXX points even I never submitted that application. And they refuse to credit me with the missing XXXX points even I submitted the application under a link I clicked on their web site that clearly stated the bonus was for XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian Free monitoring. They won't cancel my account. I signed up online, but they do not allow me to cancel online. I am forced to call. On XX/XX/2020, I called and had a long hold time. They refused to cancel because they claim a system update. They told me I need to keep calling them until they decide they are able to cancel my account. I contacted a supervisor named XXXX who hung up on me.
Product: Debt collection

On XXXX, 2022 NATIONWIDE RECOVERY SYSTEMS opened a collection. I noticed this while checking my credit due to a recent identity fraud incident. 
Account number : XXXX Amount : {$1100.00} I mailed a certified letter in XX/XX/2022, requesting seeking validation of debt to the company, I also requested that there be a response within 30 days. I never received a letter about the debt prior and still haven't heard from the company. 
They are violating my rights of the FCRA as a consumer. 
I have never signed any written document agreeing to owe this debt to the collector. I do not know who they are and they have not written consent from my end. 
They have not verified that I owe this debt to the alleged company. 
Please have these removed from all credit bureaus. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX 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 XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX 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 seven 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: Checking or savings account

Santander Bank indicated that the block placed on my XXXX XXXX  Checking account ending in XXXX and my Santander Savings account ending in XXXX were removed from my accounts on XX/XX/2020. 

However that's a false claim. 

Since XX/XX/2020 I've made multiple attempts to login to both my Online Banking & Mobile Banking but both platforms remained locked by Santander Bank. 

To the Best of my knowledge, Santander Bank continues to lie to both to the Consumer Financial Protection Bureau ( CFPB ) and to the Office of the Comptroller of the Currency ( OCC ). 

Such actions by Santander Bank constitutes a clear violation of Banking Laws.

If Santander Bank continues to lock my Account, I'll have no other option but to file a Lawsuit against Santander Bank at the United States District Court for the XXXX XXXX of New York..
Product: Student loan

Every day for at least a year I have been getting several calls a day from XXXX Service. The actual number on the caller ID is XXXX XXXX or some variation. I usually do not answer, they never leave a message, but recently they have been calling so much that I decided to answer. Either no one is there or a recording comes on telling me to call another number which turned out to be Diversified XXXX Services. I called the number Diversified left and was told Performant was trying to contact me. I have payment arrangements with Performant where they automatically deduct payments from my account each month. When I told the collector I am making payments each month per arrangements they said they just want to verify my information. I confirmed the information, none of it has changed, however today as always they start calling at XXXX I answered the third time they called today and a person answered and hung up. What do I do to get these people to stop? Why are they calling me when I am making payments on time each month? There is a disconnect between the collectors and those making the payment arrangements.