23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Our company, XXXX XXXX XXXX XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, XXXX & XXXX, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX XXXX an advertising company based out of Utah XXXX. On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX Rauch Milliken International , Inc., stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.
Product: Payday loan

Clarity Services inc. called my cell phone and my job and said I requested a payday loan. I spoke with them directly on XXXX/XXXX/16 and told them I never applied for this loan. I was notified by my credit monitoring service that I had a new credit inquiry on my report. I never applied nor authorized any from this company to run my credit.
Product: Credit reporting, credit repair services, 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, Account XXXX XXXX XXXX 

Inquiry Date & Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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 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 168s-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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Experian and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit card

I keep getting harassing statement 's in the mail, from XXXX, and Capitol One card 's. They wo n't quit harassing me. I want them to quit harassing me. I wrote them decease and dessist letter 's and told them which chapter 's I am filing and talked to a XXXX XXXX, he is a lawyer. He said they can not touch my financial money I get from the Government. Now I am going to get a free consultation from a XXXX XXXX up in XXXX, but have to call him tommorow. I am going to see what my right 's are and try to file bankruptcy. If you could please get these people off of my back I would appreciate it. I am sending you a letter and some info about their companies! Please call them and tell them to quit sending me statement, that I only get {$10000.00} a year approximately. I can not afford to pay them, they should have known better than to give a Mental Patient money. Especially when I told them i get SSI, and, XXXX, and Housing and urban development, and food stamps. I am poor and can not afford to pay them back. I am pleading bankruptcy, and seeing a lawyer about it. I have to see a XXXX. Please tell them to quit sending me statements and tell them to quit harassing me. Thank You! XXXX XXXX.
Product: Debt collection

What led me to start filing these complaints is that I was mailed a collection debt from a law firm. I'm not computer savvy to apply for any credit cards online. If I were to apply for any it would be in person at my local bank. So I filed a complaint such as this one with the Law Firm. Moving on as I was able to check my credit report and noticed more collections. On XX/XX/2018 a collection was opened and to make a record I never got any notice in the mail of the debt from LVNV Funding LLC for a XXXX XXXX account in the amount of XXXX. I'm almost positive that my half brother was the one that applied for these cards in his name. I'm XXXX and my health isn't all that great and I'm XXXX XXXX XXXX and going through XXXXXXXX XXXX and not able to work nor take care of myself. I rely on my youngest son XXXX XXXX who I'm giving permission to speak on my behalf. I'm not able to deal or handle the stress this has caused me. Understand there are multiple accounts for LVNV that I have another XXXX XXXX for XXXX, XXXX account for XXXX and XXXX XXXX XXXX  for XXXX that I didn't apply for. I've attached a ID theft report that I filled out. Also attached my front and back driver license 's number for verification. And not proud of this but my son has a trouble past and attached an old mugshot. And attached an income verification form. As you can see I'm below the poverty level and don't make much money while being sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ... ... I have repeatedly sent supporting documentation in to all XXXX bureaus proving that I am not XXXX XXXX, my name is XXXX XXXX ... .all of of my reports says XXXX XXXX XXXX What more do I need to do to prove that this IDENTITY THEFT! This credit file needs to corrected, with proper name and addresses, all of these accounts need to be deleted immediately because they are not mine. I have submitted the Identity Theft affidavit and per the FCRA section XXXX, these accounts should be blocked and removed. My name should be corrected and address corrected immediately, I have received no correpsondence from either bureau!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account XXXX. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account XXXX. is XXXX ( {$20000.00} ) & XXXX XXXX  XXXX Account XXXX. XXXX ( $ XXXX 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 an 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
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 - U.S. Code Title 15. Commerce and Trade 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence. 

I would like the XXXX XXXX  account removed from my credit from XXXX XXXX report because it is false and in violation of the law.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unlawful Reinsertion of Inaccurate Information Dear XXXX XXXX XXXX XXXX EQUIFAX, I am writing to formally dispute the reinsertion of inaccurate and unauthorized information into my credit report. Specifically, the account related to XXXX XXXX XXXX has been previously deleted from my ( XXXX ) credit file but now appears in my XXXX credit file. There are two XXXX XXXX XXXX accounts with different account numbers that are listed in my XXXX credit file, further exacerbating the inaccuracies in my credit reports. 

The reappearance of this account and the existence of duplicate records are clear violations of the Fair Credit Reporting Act ( FCRA ), which prohibits reinsertions without proper certification of accuracy and prior notification to the consumer. 

As the rightful owner of this credit report, I have provided supporting documentation to ensure a thorough investigation. 

Please find enclosed the following : 1. A notarized letter confirming my intent to pursue legal action if this matter is not resolved promptly and appropriately.

2. A notarized formal complaint detailing the violations and issues with my credit report.

3. A copy of my drivers license as further proof of my identity.

4. A copy of the official report from XXXX to corroborate my claim and ensure no fraudulent or unauthorized accounts are associated with my file. 
5. A copy of my Social Security card for additional identity verification.

6. Proof of address, including a recent utility bill, reflecting my current and only address at XXXX XXXX XXXX XXXX, where I have lived for the past several years. 
7. BBB complaint I respectfully request the following actions : 1. Immediate removal of the XXXX XXXX XXXX account and its duplicate account from all credit reports. 
2. Immediate deletion of any outdated or incorrect addresses, ensuring only my current address, XXXXXXXX XXXX XXXX XXXX, remains. 

I also want to bring to your attention the recent XXXX lawsuit ( dated XX/XX/year> ), which emphasizes the importance of adhering to FCRA guidelines and the legal consequences of failing to protect consumer rights. 

Under Section 611 of the FCRA, you are required to investigate and resolve this dispute within 30 days. Failure to comply may result in legal actions being taken against your bureau, including, but not limited to, statutory and punitive damages.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Notarized letter confirming intent to litigate Notarized formal complaint Copy of drivers license Official report from XXXX Copy of Social Security card Proof of address ( utility bill ) BBB complaint
Product: Debt collection

I am filing a complaint against Navy Federal Credit Union for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address discrepancies in my account, Navy Federal Credit Union has failed to respond, violating FDCPA Section 805 ( c ). Additionally, my request for verification of the debt, as per FDCPA Section 809 ( b ), has gone unanswered. The account was charged off without resolution, potentially constituting an unfair practice under FDCPA Section 808 ( 1 ). Despite the chargeoff, Navy Federal Credit Union still retains the title associated with the debt.
Product: Debt collection

Credence Resource Manage & XXXX XXXX XXXX continue to call and threaten to collect a debt. I returned the product and canceled the service in 2017.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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: Checking or savings account

THIS IS NOT A DUPLICATE COMPLAINT. Dispute case XXXX was opened when my debit card was fraudulently used in XXXX XXXX and XXXX for totals exceeding XXXX dollars. XXXX is historically terrible with their customers ; and this is just another example of why this bank needs to be reviewed for their practices and customer care. They initially denied my entire dispute. I submitted XXXX receipts that showed I was in XXXX, Ohio during the times that ALL of these unauthorized transactions were disputed. XXXX took over a month to come back to me and say this : we are approving a XXXX dispute for the hotel in XXXX XXXX my card was used it, but are denying the XXXX remaining charges ( some of which occurred at the same hotel! ). essentially XXXX said that we see you didn't authorize this charge for the hotel, but authorized all of these other charges in the hotel. THEY DENIED a dispute despite me having PHYSICAL evidence I was a XXXX hour flight away at the exact times these transactions occurred. XXXX, I will NEVER rest until I get the rest of my XXXX dollars back. Shame on you as a bank for the way you treat your customers. I am out XXXX still and I want this resolved. They also closed all my accounts to try and cut me out but I will not let this happen! I have been a customer for 20 years. 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I applied with Discover Bank to open an open-ended credit plan, extending myself credit. Discover discriminated against me 15 U.S.C 1691 ( a ) ( 3 ) ). It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. 12 U.S.C 1431 states each XXXX XXXX XXXXXXXX XXXX  shall have powerto borrow and give security therefor and to pay interest thereon, to issue debentures, bonds and to do all things necessary for carrying out the provisions of this chapter and all things incident there to.The Office of Finance, as agent for the Banks, may issue consolidated XXXX XXXX XXXX XXXX debentures which shall be the joint and several obligations of all XXXX XXXX XXXXXXXX XXXX organized and existing under this chapter, in order to provide funds for any such bank or banks, and such debentures shall be issued upon such terms and conditions as such Office may prescribe. No such debentures shall be issued at any time if any of the assets of any XXXX XXXX XXXXXXXX XXXX are pledged to secure any debts or subject to any lien, and neither the Office of Finance nor any XXXX XXXX XXXX XXXX  shall have power to pledge any of the assets of any XXXX XXXX XXXX XXXX  or voluntarily to permit any lien to attach to the same while any of such debentures so issued are outstanding. If congress states the banks are to extend bonds and debentures but can not do so with its own assets then what is actually being extended to the consumer? The bank is not extending me it's assets, I am extending myself my own credit and Discover Bank is acting as a trustee in this fiduciary relationship. Discover has an obligation to do what is in the best interest of the beneficiary, and Discover Bank has willfully neglected to fulfill its obligations set in place by congress. If Discover Bank continues to discriminate against me, address me and speak to me with foul language,, legal proceedings will be enacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been disputing with Experian, XXXX XXXX XXXX, information that continues to be reported incorrectly causing severe damage to my credit. All 3 bureaus knowingly and negligently continue to report negative information on 4 accounts that I have many times informed them and provided proof that these accounts have been either paid in full or settled in full so therefore should no longer be on my credit report nor should they reporting negatively and they continue to report negatively. The following accounts are the accounts in reference. XXXX # XXXX was sent to court and PAID IN FULL IN THE AMOUNT {$910.00}, and the others have been SETTLED IN FULL XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX. I have been fighting them for 3 years now and they are refusing to remove. Per the FCRA 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also in [ XXXX U.S.C. XXXX ] ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) 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. I continue to provide the necessary proof and they continue to ignore and report negatively violating my consumer rights as well as providing information that was never authorized by me to provide to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016, I decided to purchase another vehicle from XXXX XXXX XXXX XXXX after a previous successful contract payoff of a XXXX XXXX. Due to my complications from the XXXX XXXX XXXX, we had fallen behind in payments, and the vehicle went into repossession. XXXX XXXX XXXX XXXX failed to notify me of the repossession to at least allow me to bring the loan current, and they never communicated with me a notice of collection or intent to report to the bureaus. Per the laws of the state of Texas and UCC along with Texas Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements. 

I have contacted XXXX XXXX XXXX XXXX, exercising my right to request proof of validity concerning information placed on my credit file. Since XXXX XXXX XXXX XXXX failed to provide sufficient documentation, then the recorded history is to be considered an infraction of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. 

I tried to deal directly with XXXX XXXX XXXX XXXX but failed to come to a resolution. I am seeking to take action per Texas Business and Commerce Code Sec. 9.5185 against XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have called XXXX, TransUnion and XXXX many time because they keep making a lot of mistakes with my accounts. A lot of old debts that I have already paid a long time ago keep showing on my credit report. I send them the proof that I have paid those accounts a long time ago. But, regardless of that they do not fix it. In addition, my credit score never goes hired that XXXX XXXX XXXX XXXX However, when they low it. They take even XXXX XXXX from the score. I think that very unfair. Please help me to fix this. Thanks!