23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Debt Collection by Unknown Company Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding a debt collection agency that has been pursuing me for a debt that I have no knowledge of. I believe there may be discrepancies in the contract or signatures associated with this debt, and I am uncertain about the legitimacy of the company involved. 

[ NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cash Amount : {$16000.00} ] Despite multiple attempts to seek clarification and validation of this debt, I have not received any concrete evidence or information about the alleged debt 's origin or validity. Furthermore, I have not been able to identify the debt collection agency itself, as they have not provided sufficient contact information. 
I understand the importance of addressing legitimate debts and fulfilling my financial responsibilities. However, I am deeply concerned about the lack of transparency and the possibility of fraudulent activity in this matter. 
I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to ensure that my rights as a consumer are protected. Specifically, I would appreciate your assistance in : * Verifying the legitimacy of the debt collection agency in question. 
* Requiring the agency to provide complete and accurate documentation regarding the debt, including any contracts or signatures. 
* Ensuring that all communication from the debt collection agency adheres to the Fair Debt Collection Practices Act ( FDCPA ). 
I am committed to resolving this matter responsibly, but I need your help in verifying the validity of this debt and the actions of the unidentified collection agency. I look forward to your prompt attention to this issue and request that you keep me informed of any progress made. 
Thank you for your time and assistance in this matter. Your efforts to protect consumers like me are greatly appreciated. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a text message from XXXX. Claiming to be Halsted Financial Services , LLC in regards to XXXX XXXX XXXX account. I have never had a XXXX XXXX XXXX account or any business dealing with that company. I have never received any bills from Fifth third bank. When I open the link, it is asking me verify my personal information as social last 4 numbers of my social security and address.
Product: Debt collection

TRANSUNION is reporting entries from XXXX XXXX  XXXX and XXXX  XXXX  XXXX  on my credit reports. Reporting of these collection accounts are false. In California minor children are required to maintain coverage under the state's mandatory Children's Health Insurance Program ("CHIP"). Because the credit report entries of XXXX  XXXX  XXXX  and XXXX XXXX XXXX are attempting to collect purported debts for emergency medical treatment rendered to my minor children they are invalid since a medical provider is comparatively liable in not complying with the state's mandatory insurance provisions. TRANSUNION's negligence is that they still continued reporting this inaccurate, fraudulent consumer collection information on behalf of XXXX XXXX  XXXX  and XXXX  XXXX XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of the XXXX. XXXX, XXXX account on my credit report, showing as a collection with a balance of {$4400.00} on XX/XX/year>. I do not have an account with XXXX XXXX XXXX or a contract with XXXX. XXXX, XXXX Additionally, my personal information was part of the XXXX XXXX breach. I've been disputing this account over and over since I've noticed it, and haven't gotten any remedy. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), I request this account be investigated and removed, unless XXXX. XXXX, XXXX can verify any contract between ( XXXX. Systems, XXXX And XXXX XXXX XXXX Remedy Is to Immediately Remove account off of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION XXXX6g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Discover Bank violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Credit card

On XXXX/XXXX/2024, I received a Citi Credit Card XXXX statement with a balance of {$3100.00} with a due date of XX/XX/XXXX/24. 

I went to Citibank online website and scheduled minimum payment of {$41.00} from my Citibank Checking Account to Citi Credit Card XXXX scheduled for XX/XX/XXXX2024. 

On XXXX/XXXX/2024, I made a partial payment of {$44.00} using Rewards points. 
On XX/XX/XXXX/2024, I made a partial payment of {$3100.00}. 

The total of {$41.00}, {$44.00} and {$3100.00} added up to {$3100.00}. 

Citibank did not make the payment of {$41.00} from my Citibank Checking account to my Citi Credit Card XXXX. 

On XX/XX/XXXX/24, CitiCard charged me an Interest fee of {$20.00}. 

On XX/XX/XXXX/24, Citicard charged me an Interest fee of {$34.00}. 

I would like the reimbursement of ( {$55.00} = $ XXXX {$34.00} ). 
I tried contacting Citi card representatives. But they declined to reimburse.
Product: Credit reporting or other personal consumer reports

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized. I am a victim of identity theft. I filed a FTC report. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I recently checked my credit and noticed some items that need to be removed as I filed chapter XXXXXX/XX/XXXXwhich has been XXXX. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately:XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I have written to the company advising them of that under the FCRA 15 U.S.C. 1681 et seq., XXXX is required to furnish accurate information to credit reporting agencies. Under section XXXX ( a ) ( XXXX ) of the FCRA XXXX is violating the law. The account was closed in XXXX, and updated amounts are being posted to my consumer reports including today. If the account was closed why do I have 30,60, 90 and 120 days late payments posted to my credit reports. See my annexed correspondence
Product: Mortgage

SN SERVICING CORPORATION IS NEGLIGENT AND INCOMPETENT AND FAILED TO COMMUNICATE AND FAILED TO PAY MY HOME INSURANCE. THEIR SERVICE IS HORRIBLE AND PUT MENTAL STRESS ON MY WELL BEING. 

THERE IS A LACK OF COMMUNICATION AND RESPONSIBILITY ON THEIR PART, I ALWAYS HAVE TO TAKE THE INITIATIVE TO HAVE THINGS DONE WITH THIS HORRIBLE LOAN SERVICING COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove credit inquiries that are fraudulent and I faxed and uploaded to the copies of my police report and identity theft report
Product: Debt collection

Received an email with a letter attached from XXXX XXXX of Allied Recovery Solutions, threatening to have my drivers license suspended for an alleged debt that my insurance company I use to have is not paying according to XXXX. 

XXXX - I told XXXX I needed some time to get back to her. By some time, I need more than a few weeks. I have lost several family members from XXXX, which has caused me to deal with issues well outside what anyone could understand. 

XXXX. The accident XXXX is referring to I had already went to court for and paid, in full, the fines for the tickets issued to me. 

XXXX. When I had to provide my insurance information, it would have been established at that time that I didn't have coverage. Therefore ; XXXX 's threatening letter stating I did not have coverage is false. Furthermore, I would have received a ticket for this which again, I wasn't. 

The letter of the threats are attached.
Product: Credit card

I returned an item 3 weeks after purchasing due to item not working properly. I did n't receive a credit for it as the item was lost in the process.
Product: Credit reporting

Experian continues to refuse to remove several accounts from my credit report that are closed, paid in full, and XXXX balance. XXXX accounts with the Department of Education/XXXX XXXX numbered XXXX are closed, paid in full, with XXXX balances, and have been for six weeks. Similarly, an account with Navient is closed, paid in full, with XXXX balance also. The account number is XXXX. All of these accounts are closed. I have previously provided proof and attached documents, so it is very frustrating that Experian is failing to act. 

Also, I have requested that Experian remove XXXX inquiries that are fraudulent and I did not authorize. XXXX from XXXX XXXX, twice, on XX/XX/2015 and XXXX. XXXX from XXXX XXXX on XX/XX/2015. Please remove these unauthorized inquiries from my credit report.
Product: Debt collection

This debt is from XX/XX/XXXX. It has been payed in full. 
The first I have heard of this was last year, ( XX/XX/XXXX ), in XX/XX/XXXX, when XXXX attempted to collect on this. 
The originator of the debt, ( a hospital just outside of XXXX ), has since closed. After many attempts, I was unable to find anyone involved that might be of help. 

I originally payed a lump sum and had the remainder come out of my checking account, via direct deposit. This resulted in the account being payed in full. 

After no luck with the hospital and no luck dealing with XXXX, In XX/XX/XXXX I contacted all XXXX credit bureaus and submitted the information I had. They decided that this debt was unfounded and had the negative remarks pulled from my credit score. 
That was just last month. 

In XX/XX/XXXX, I received a letter from Halsted Financial Institute attempting to collect on the same debt. 
I contacted them on the telephone and tried to explain my situation. 
I believe that XXXX just offloaded this case to them, selling a bunk debt, after realizing that they could n't collect on it. 

If you could please assist, it would be great help. I do n't want to go through all of this again, or until the end of time. I 'm not sure what to do at this point. 
I do appreciate your time. 
Thank you very much, XXXX
Product: Debt collection

Product was ordered and total amount was charged in the amount {$100.00} my credit card was charged twice for the same item which in total was {$79.00} on XX/XX/20. The said vendor paid made good on the two items in which they were both returned to them. The credit card company representative whom I spoke with on the telephone was informed to closed the account in which there is no balance that is owed by myself. The credit card company calls everyday after informing them to close the account and I have no balance owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wayfair/Comenity Bank is reporting 3 missed payments. This is incorrect. I have made all my payments and have paid extra. 

They are reporting XXXX, XXXX & XXXX as missed to all three credit companies. Plus I thought that during a Covid 19 they were not allowed to report anything bad on your credit anyway so the one in XXXX is breaking the law as well. 

I made a {$100.00} payment in XXXX, a {$65.00} payment in XXXX, {$74.00} payment in XXXX & {$37.00} in XXXX. That is a total amount of {$270.00} dollars. at my min payment of {$37.00} a month I have overpaid this year so far {$17.00} dollars.
Product: Credit card or prepaid card

This has to do with a Macys XXXX XXXX account credit card that was opened in XXXX at the store. I signed up for paperless statements, made a purchase for {$19.00}. Did not receive my paperless statement nor a paper statement. Called to make a payment Could not do so without the account number which I did not have. Then tried to make a phone payment using the XXXX number and account number for my bank account. Thought it went through however it did not. I called and spoke with XXXX on XX/XX/XXXX who informed me that the phone payment did not go through. Made the payment for the purchase less the fee which I told her I was doing on that same day. Continue to get statements with continued fee charges. Sent a message to secured email with same details however, no resolution to date a they are trying to charge {$190.00} for a a {$19.00} purchase. Original payment was due on XX/XX/XXXX. Phone payment was attempted on XX/XX/XXXX. Since it did not go through a payment was made on XX/XX/XXXX, when I called on XX/XX/XXXXXXXX XXXX XXXX  did not inform me that she was able to waive 2 late fees in which case the only balance due wouldve been the payment for the purchase of {$19.00}. Now after several follow ups, I learned that they will waive two late fees ; however on a much larger balance, due to all the fees theyve added onto the account statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment incorrect, Not employed with XXXX XXXX XXXX  Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX never lived here XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Trans union , XXXX  , XXXX I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed, employers and other names known as I have none and requested multiple times to be removed
Product: Mortgage

On XX/XX/XXXX we were approved for a payment supplement plan. We signed and notarized the documents and sent them back on time. Per the agreement payments started XX/XX/XXXX. I called XX/XX/XXXX and they stared they recieved the documents and to check back next week and the website will be updated. XX/XX/XXXX I checked online and contacted XXXX and they are now taking back their offer stating the paperwork was sent out in error and this offer should not have been offered to us. They stated we used a supplement claim during covid and can only be offered for XXXX related incidents. My loss mitigiation was for a job loss by my husband and i never stated this was covid related. They closed our loss mitigation claim and now are asking me to pay the full XXXX months. Meanwhile XXXX my loan is moving to XXXX XXXX and I need to wait to contact them to try loss mitigation again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in accordance with the Fair Credit Reporting act 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

I HAVE SENT XXXX, TRANSUNION, XXXX & XXXX SEVERAL WRITTEN NOTICE OF DEMANDS WHICH WERE ALL IGNORED. I DID NOT GIVE XXXX WRITTEN CONSENT TO USE OR FURNISH MY INFORMATION TO ANY THIRD PARTIES, AGENCY OR COMPANY. PLEASE SEE ALL DOCUMENTS ATTACHED.
Product: Debt collection

CBE GROUP is stating I owe them a debt of {$140.00} I wrote 3 letters to them with no response. They also reported this debt to the credit bureaus and will not remove. This is the 3rd letter I have written. 

This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE {$140.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2022, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action at the XXXX XXXX XXXX XXXX  against your company. 

I will be seeking a minimum of {$5000.00} in damages per violation for : XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX I am reporting this company to you CFPB
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE FROM A LOCAL MALL AND FRAUDULENTLY OPENED ACCOUNTS IN MY NAME.THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX # XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX OPENED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX