23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital System XX/XX/2022 Referencing acc XXXX Your company placed a collection on my credit report which is in violation of the Privacy Act. You are not suppose to disclose a record contained in a system of records unless the individual to whom the record pertains gives prior written consent to the disclosure. 

You must do a Consumer Investigative Report according to US 15 1681. You will abide by 1006.34 for the Notice for Validation of Debts. Information that you send for validation of this debt is to be conspicuous and clear. Also you must include Statement Required by 1006.34 validating all required information that complies with Consumer Law.

1. ) Debt collectors name and the mailing address at which the debt collector accepts 2. ) Disputes and requests for original-creditor information.

3. ) The consumers name and mailing address.

4. ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

5. ) The account number, if any associated with the debt on the itemization date or a truncated version of that number.

6. ) The name of the creditor to him the debt currently is owed.

7. ) The itemization date.

8. ) The amount of the debt on the itemization date.

9. ) An itemization of the current amount of the debt reflecting interest fees, payments and credits since the itemization date.

10. ) The current amount of the debt.

11. ) License to debt collect in the state of Michigan with the valid License information attached to your Report.

You have 30 days upon receiving this letter to respond lawfully. I will not hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and the CFPB. During the time of all collection activity by you must cease and desist. During the validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult an attorney and consider legal action.

If your offices fail to respond to this request within 30 days from the date of your receipts, all references to this account must be deleted from my credit file and a copy of such deletion must be sent to me immediately. I formally request that you and your representatives do not contact me by telephone, at my home, email, or my place of employment. If your offices attempt telephone communication with me, including but not limited, computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will instruct my attorney to proceed with legal action. All future communication with me just be in writing and sent to address mentioned in this letter. This letter is an attempt to correct your records and any information obtained should be used for that purpose only.

CC. Federeal Trade Commission Attorney General Consumer Financial Protection Bureau Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Fair Credit Reporting Act, this creditor has violated my rights under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written consent or instructions. Under 15USC166B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

DITECH FAILED TO PRODUCE A H.A.R.P. REFINANCE LOAN, THIS WAAS A DIRECT RESULT OF THEM NOT BEING ABLE TO PULL XXXX CREDIT REPORTS AND SCORES. SEE XXXX REPORTS FOR BOTH AS MARRIED COUPLES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY, NELNET, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. They are in violation of the Privacy Rights Act of 1974 and the Family and Education Act of 1974. My consumer information was transferred from that purchase to Nelnet without my knowledge for reporting to XXXX, XXXX, and XXXX. 18 USC 1028 - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Debt collection

Step 1 : What is this complaint about? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Step 2 : What type of problem are you having? 

I have asked via mail several times for Valley Empire Collections to provide supporting documents that show proof I owe money to XXXX. They said there is a judgement against me, first I never had the opportunity to go to court so that in it of itself is wrong that I was not offered a chance to do so. Second, they only issued me statements of balance owing, not the bills themselves that I requested copies of. The XXXX statement they sent me shows 2 separate account numbers for the same address and the same time frame but no monthly bills. I don't want to pay for a bill that I was potentially double charged for. I don't see why it would be an issue for me to see each monthly bill they are claiming I owe for the cycle they are claiming. 

Step 3 : What happened? 

They just reached out to me over the phone at XXXX XX/XX/2019 regarding this debt that initially started out to be {$350.00} and now they are saying it's {$850.00} + due to judgment amount and interest. I informed the person I was speaking to that I've sent them numerous letters ( which he confirmed receipt of ) and that I want a copy of each individual bill for the time period stated of balances owed due to the separate account number confusion. The person over the phone said that since they have a judgment against me that they don't have to send me those. 

Step 4 : What company is this complaint about? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Step 5 : Who are the people involved? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX I have contacted XXXX as well but they keep referring me to Valley Empire Collections and say that they can't help me with the billing information I was requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Filed original complaint on XX/XX/2020 that I cant get into my account by either internet or phone. Every time I call someone from outside the USA wants my social security number and I will not give my personal number to someone who resides outside of our country. 

I want simple instructions to access my Experian credit freeze file without all this hassle. I reported this and they closed the complaint without helping me get into my credit file. The response was that they needed a credit card number so THEY COULD CHARGE ME! 

This is outrageous. Again, I am complaining that I do not have REASONABLE ACCESS TO MY OWN CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their XXXX XXXX my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/ was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed the purchase of a defective XXXX XXXX console with XXXX XXXX. The XXXX XXXX console has a known issue where the system goes into rest mode when ever it wants. There are XXXX possible resolutions to this issue, If those XXXX resolutions are unsuccessful it is a defective machine. I tried both resolutions and currently have the XXXX XXXX console set to those settings specified. The system still turns off right in the middle of you playing it despite the do not enter rest mode setting being selected. I disputed this with my XXXX XXXX XXXX and they took that amount off of my credit report, they then added it back on XX/XX/XXXX costing me XXXX credit reports or close to, and said they sent out a notice regarding my dispute. I have not received this notice nor have I had time to act in response. They took XXXX  days and did not reach out to me once to get details about my situation, I cant see anything they did in their dispute. XXXX never returns messages regarding my defective XXXX and they say that they dont provide refunds on items over {$500.00}. They dont tell you this before you purchase the item or even at time of purchase. Their refund policy is on the back of your receipt in small print, and you only know it is there if you have a problem. I am not paying for defective merchandise and told XXXX XXXX  they can have their console back and I reached out to them via their website messaging system several times to ask them what is going on with my dispute and XXXX XXXX never contacted me once to find out the details of my situation and they just found in the merchants favor. I need help with the sale of defective merchandise they wont take back. I am not paying for this and want it removed from my credit like I said they can have it back.
Product: Bank account or service

I have a checking account at USAA bank. Someone, a third-party criminal of some sort, wired in {$4000.00} and withdrew the money in {$900.00} increments from an ATM in Florida. I have never been to Florida. The bank made me aware of the fraud. Separately, I have {$1300.00} in an investment account to buy and sell stocks. I asked USAA bank to wire this money to a different bank, XXXX bank. The request was made Monday, XXXX XXXX in writing. USAA bank has thus far ignored my request, on the apparent grounds that my checking account is - {$4000.00} as a result of the fraudulent activity which is not my fault described above. The bank has also frozen me out of my own accounts online, and not given me any information about them. Their excuse is my accounts are " under review '', a phrase that has no meaning at all in banking
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the delayed correction of open accounts in our system. However, the recent delays in rectifying late open accounts have been highly inconvenient and have impacted my confidence in your services. Despite repeated attempts to address this issue through various channels, including emails and phone calls to your customer service department, there has been no satisfactory resolution or even acknowledgment of the problem. This lack of responsiveness is unacceptable and reflects poorly on the level of customer care provided by your organization. 

I want you to assist me to take immediate action to rectify this situation. It is imperative that the late open accounts are corrected promptly and that measures are implemented to prevent similar delays in the future. Additionally, I expect a formal apology for the inconvenience and frustration caused by this oversight. Please provide a detailed plan of action outlining how you intend to address this matter and prevent recurrence. I also request regular updates on the progress until the issue is fully resolved. Please help me correct these late open accounts immediately : XXXX OF XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX XXXX Balance : {$2500.00}.
Product: Credit reporting or other personal consumer reports

I have contacted Lexis Nexis multiple times in regards to a Bankruptcy on my consumer reports. Each agency XXXX, XXXX, and XXXX all state that they " verified '' the bankruptcy with Lexis Nexis. Lexis Nexis states they " verify '' through a system called " XXXX ''. I contacted XXXX and they provided me proof they in fact DO NOT verify any information with the consumer agencies. I also contacted the BANKRUPTCY XXXX to inquire if they " verify '' any information with consumer agencies. As you can see from the certified letter from the United States Bankruptcy XXXX also DO NOT verify any information with consumer agencies. Lexis Nexis and the other agencies have no legal right to report this bankruptcy on my consumer reports. I know my rights as a Consumer and I know that these companies have no permissible purpose for this account. You are improperly reporting an alleged Public Record to the credit agencies that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. 
Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged XXXX XXXX XXXXXXXX. DELETE the alleged Public Record IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. Loancare mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting Loancare they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.
Product: Credit reporting or other personal consumer reports

I have a discharge of my XXXX loans attached to the complaint showing the XXXX loans have been discharged over 3 months ago and still Equifax, XXXX, and XXXX never removed the XXXX loans from my reports.
Product: Credit reporting or other personal consumer reports

RE : XX/XX/XXXX REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER XX/XX/XXXXIN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXXXX/XX/XXXXXXXX [ XX/XX/XXXXO. XXXX ] XX/XX/XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Payday loan, title loan, personal loan, or advance loan

I recently took a loan with spot loan for {$800.00} and have since that in a really bad financial situation where Im not working. Ive been asking people for help and then I learned that the interest rate they were charging me which is 460 % is illegal under Ohio law and I was told to contact the company and advise them of this and revoke my ACH and offer to pay back the principal only however the company is being difficult as it seems like they are nothing more than a loan shark. No one in this country should be forced to pay such ridiculous interest rate and something needs to be done about this. They act like theyre a tribal lender, but I didnt go to the tribal area to get a loan. Im in the state of Ohio, where Ive always been its just a ploy to try to fleece people out of money.
Product: Debt collection

There is an account with Commonwealth Financial showing for some type of medical provider a XXXX XXXX XXXX and I have not had any type of medical emergency in over 7 or 8 years. This is not mine and I have no idea why it would be listed on my credit file.
Product: Checking or savings account

I have contacted Chime bank on several occasions since XX/XX/22 in regards to them closing my account and issuing my remaining funds, the most recent interactions being today XX/XX/22. Chime has given me no straight answers and refuses to release my funds to me, but also refuses to give me a real reason for the closing of my account. I can not wait XXXX days or more for my funds, I am a single mother to XXXX young children and need my money for food & other lively expenses. Please help me.