23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was served papers for a RECENT debt from XXXX XXXX, ( ie Express Recovery Services ), shortly after disputing it with a credit reporting agency. In order to verify this debt I need the itemization and PROOF that the debt is in fact valid. Many of these debts are too recent for the paperwork to have processed due to the slowing down of IRS paperwork, by the coronavirus. Getting the information is the only way I can properly reply. 

On XXXX, their hours are Monday-Friday and Saturday _XXXX to XXXX XXXX. When I showed up at XXXX on Saturday, I discovered that EXPRESS RECOVERY SERVICES is in the same building as XXXX XXXX XXXX. But XXXX XXXX XXXXXXXX isnt posted on the door anywhere ... I walked around looking for a separate door :,, nothing. Furthermore, when I called because the front desk area wasnt open, I was told that law office of XXXXXXXX XXXX XXXXXXXX was open just on the other side of the door, she had the paperwork, but she wouldnt give me the papers because the receptionist was their client, express recovery services ... and they werent open. 

I was upset about this and am now delayed further as I dont have a car to drive there all the time. Im an unemployed individual living through this pandemic. A lawsuit on recent unresolved debts, currently in dispute, is anything but compassionate and should be a crime. 

I told them this to which I was told everything is moving forward, businesses are still running and the world is moving forward. I am not able to be employed as I am on the CDC list of vulnerable populations right now. But yet here I am, at the ( law office? ) thats suing me, miles from home, outside, begging for proof of a recent debt, during open hours, so I can reply to a summons. Shame on this law office, and Im certain their relationship with express recovery is brushing too close to whats considered legal.
Product: Debt collection

They sent my debt to collections after I have paid on the debt. I received only XXXX notice that I had the bill in the first place. I have financial aid from the hospital who said they were going to call XXXX and tell I had financial aid. I have excellent credit and never had anything sent to collections in my life. I am so mad and I want it taken out like it does n't exist. I will scrape up the {$62.00} I owe somehow. How petty when they cashed my payment and still sent it to collections, unbelievable.. XXXX XXXX Check # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX COMMUNICATIONS keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to THE XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that XXXX XXXX XXXX furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and XXXX XXXX XXXX of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with XXXX ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that XXXX XXXX XXXX obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my XXXX ( Report Number : XXXX ) And EQUIFAX ( Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my XXXX ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that they be removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I set it up on auto bill pay with my bank for XXXX for the month of XXXX but the payment never went through and I wasnt notified until XXXX. I asked for a one time courtesy. I sent in bank statement showing it was on auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct number XXXX is in violation of my rights. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX is in violation of my rights. 
In accordance with the FCRA XXXX acct XXXX has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX acct number XXXX and XXXX XXXX acct 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 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Formal Identity Theft and Unauthorized Collection Complaint Against TransUnion and XXXX Immediate Deletion of All Unauthorized Collections Due to Data Breach and Lack of Permissible Purpose Dear **Consumer Financial Protection Bureau** , I am filing a formal complaint against both **TransUnion** and XXXX  for their involvement in a data breach that has resulted in the unauthorized use of my personal information and the reporting of collections on my credit report without my explicit permission or any permissible purpose. This is a severe violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ** and has caused significant harm to my credit and financial standing. # # # Issues Addressed : 1. **Identity Theft and Data Breach** : - Both **TransUnion** and *XXXX  have exposed my **Social Security number, date of birth**, and other personal information to unauthorized third parties, allowing fraudulent activities and data breaches to occur. Despite my repeated requests to protect my personal data, they have failed to take adequate measures, directly resulting in these breaches and subsequent identity theft. 2. **Unauthorized Collection Entries** : Due to this data breach and the lack of a permissible purpose, all of the following collection accounts are unauthorized and should never have been reported : - *XXXX XXXX XXXX XXXX XXXXXXXX : XXXX reports a collection with a balance of {$2200.00}, which I have no knowledge of. This debt was reported without my consent or any permissible purpose. - XXXX XXXX XXXX XXXX XXXX XXXX : Both TransUnion and XXXX report a collection with a balance of {$620.00}, increasing to {$830.00}. I have no knowledge of this debt, and no permission was given to report it. - **Additional Collection Balances** : MyFICO shows additional collections with balances of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These debts have been reported without any valid verification or permissible purpose, and I do not recognize any of these collectionsXXXX XXXX XXXX XXXX **Violation of Privacy and FCRA** : - Both **TransUnion** and XXXX are violating **15 U.S.C. 1681b**, which restricts the sharing of consumer information without permissible purpose or consumer consent. By allowing these unauthorized collection accounts to be reported on my credit file, the agencies are in breach of this provision of the FCRA. - These accounts should have never been reported, as they are a direct result of the data breach and misuse of my personal information by third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX, I noted that a charge of {$190.00} was pending out of my Netspend account. The company that was attempting to charge the funds is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . 
I immediately called Netspend and was told by their representative that because the transaction was pending, they would not file a dispute until the transaction was complete. I told them this was not acceptable as I knew nothing about this company and had not made a purchase, nor was I authorizing any transaction with the company. 
Netspend told me that because a fraudulent charge had been made, they needed to block card and send me a new card. They told me, by doing this, they would be able to stop any further action on the account.
I spoke with a manager and she told me she would be refunding the money to the account, which she did. The following day, the funds were back in the account. However, in blocking the card, and therefore blocking the account, net spend made a transaction by the IRS to remove {$500.00} from the account, impossible.
Yet, the fraudulent company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , who made an attempt to draw out funds again on XX/XX/XXXX, was able to do so for {$190.00}, thus making the funds Netspend had reimbursed the account for on the XX/XX/XXXX no longer available. 
I called Netspend again to try and resolve the issue and I spoke with an agent, and a supervisor, only to be told that NOW I needed to submit the dispute in writing and it would take 10 days from the date Netspend receives it to help qualify me for reimbursement on a fraudulent transaction that I tried to prevent in the first place.
In the mean time, I have no access to my money in the Netspend account, as I am still waiting for the new card.
I called Netspend again today to close the account and to have access to my funds, only to be told I have to wait for the card to arrive.
I tried to file a complaint with Netspend, which they took over the phone, but refused to allow me to speak with their complaint department or their legal department, and refused to even send me a copy of the complaint they are supposedly submitting.
Product: Student loan

I am writing to formally express serious concerns about the security and privacy of my XXXX XXXX data managed by XXXXMOHELA . 

Recently, I became aware of troubling reports suggesting that personal financial data from XXXX XXXX borrowers may be accessible to unauthorized third parties, including high-profile individuals or affiliated entities such as XXXX XXXX, XXXX XXXX formerly XXXX ) , or XXXX While I have not knowingly authorized any such data sharing, I am concerned that my personal information may be exposed or compromised without my consent. 

I have entrusted XXXXMOHELA with highly sensitive information as my XXXX XXXX servicer, and I expect that my data be handled with the utmost care, confidentiality, and in compliance with federal data privacy standards. I have not been informed of any partnerships or data-sharing agreements with third-party platforms or companies outside the scope of my loan servicing. 

This situation has left me feeling vulnerable and uncertain about how my personal and financial data is being handled. I am requesting that the CFPB investigate XXXXMOHELAs data-sharing practices and provide clarity on the following : Whether any of my student loan data has been accessed or made visible to third parties not directly involved in loan servicing. 

What safeguards are in place to protect borrower data from unauthorized access or surveillance. 

Whether XXXXMOHELA has any affiliations or agreements with companies or individuals who are not federally authorized to handle XXXX XXXX data. 

I am seeking a full explanation, increased transparency, and immediate assurance that my student loan information is secure and private. I would also like to receive a direct response from XXXX/MOHELA addressing these concerns. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} Inquiries that I do not have accounts with and took no credit or loan out for that's still reporting on my personal files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on XX/XX/XXXX XXXX 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 general 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: Checking or savings account

Noticed fraud charges on my account from XXXX, disputed charges on XXXX. Received an email that I would get a response back after XXXX business days and a provisional credit would be applied. Friday XXXX XXXX XXXX  was told I would get an email at XXXX, which never did. I have chatted and called and I am constantly told no way to contact back office and I have to wait even though the email clearly states the XXXX as my first day and XXXX business days is XX/XX/XXXX. I chatted and they said I would hear from them within a week?!
Product: Credit card or prepaid card

I have very good credit and a {$17000.00} line of credit on a Fidelity XXXX XXXX. Due to prior problems with Fidelity XXXX, I stopped using the card opting for a different credit card. I have a XXXX balance due to a credit three weeks ago. Prior to the credit, I had scheduled one final {$120.00} payment. On XXXX XXXX, Fidelity, knowing I have a XXXX balance, applied the {$120.00} payment creating a XXXX balance. I called and asked Fidelity to refund the {$120.00} immediately. Fidelity told me it takes 17 days to reverse my {$120.00} negative balance which I find fraudulent unless I get interest on my {$120.00}. I desire for Fidelity to immediately reverse the {$120.00} payment of pay me interest for 17 days of unlawfully holding my money.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, money, that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX : {$31000.00} XXXX CARD XXXX : {$31000.00} XXXX XXXX XXXX : {$23000.00} XXXX XXXX : {$2800.00} XXXX XXXX : {$6600.00} XXXX XXXX : {$2500.00} XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX : {$17000.00} XXXX XXXX : {$1700.00} XXXX XXXX XXXX : {$10000.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account No : XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX  # XXXX XXXX  XXXX BANK # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 A Section 2 .

States I have a right to privacy 15 USC 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containg any of the followering items of ingormation.any other adverse items of information other than records of conviction of crimes which antidotes the report by more than seven years.

15 USC 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 case to belived that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/2020 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 


I have not initiated any transaction with your company, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.
Product: Credit reporting or other personal consumer reports

According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously contacted Transuion about unaurthorize inquire on my credit report, Transuion said they deleted them but they are still there. I did not authorize the inquire nor do I have any accouts open on the day of with accounts XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX