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

I am filing this complaint regarding an auto loan reported by XXXX under account number XXXX on my credit report. XXXX is reporting the account as repossessed, with an outstanding balance of {$11000.00}. This reporting is inaccurate and harmful to my credit score. 

On XX/XX/year>, I sent a formal letter to XXXX disputing the debt and requesting validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite this, XXXX continues to report this debt without providing the required validation, causing serious damage to my financial standing. 

XXXX has also failed to issue a 1099-C form for the charged-off amount of {$11000.00}, which is required by the Internal Revenue Service ( IRS ) if the debt is considered forgiven or canceled. 

I believe that XXXX 's continued reporting of this debt without proper validation and the associated charge-off represents debt bondage. This practice is unfair and exploitative, as I am trapped in a cycle of credit damage and financial harm, unable to resolve the issue or escape the negative impact on my credit report. 

Actions I Have Taken : On XX/XX/year>, I sent XXXX a formal letter disputing the debt and requesting validation, as well as requesting a 1099-C form. 
XXXX has failed to provide a response or validate the debt, and the inaccurate information remains on my credit report. 
The ongoing reporting of this repossession and the inflated balance of {$11000.00} has damaged my credit score and prevented me from securing credit and housing, trapping me in a form of debt bondage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been closely following my credit reports because I am actively trying to raise my credit score to be eligible for better interest rates. In XX/XX/2022 I received an unsolicited request to apply for a home loan on Credit Karma. I promptly asked them to cease and desist sending me unsolicited information of this type and asked how they got access to my credit file. Credit Karma answered back and said I had filled out a profile on their website. They have a feature to create a profile to make comparsions with other products but I did not in anyway apply for anything or gave them permission to check my credit.. Next thing I know they sent me a denial letter. Shortly afterwards my credit score dropped by XXXX points for no reason ( I had it analyzed by an attorney ). I called XXXX directly and they had no answers.The lawyer said they couldn't help because the report I had available was from Credit Karma and not directly from XXXX. 

I called XXXX today and was informed that I could get a report but not a credit score and that would cost me {$9.00} to get. 

I am amazed at the casual response and careless mishaps ( such as this ) could happen within a group that controls how we flow in society. Our credit score is front and center in almost everything and depending on that number to have the ability to either exist comfortably or to struggle because of high insterest rates. or straight out be denied things.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I sent Equifax a letter first class mail certified indicating I am unable to identify the original lender of a XXXX XXXX XXXX account XXXX that is listed on my credit profile. This account lists XXXX XXXX  as the Original Lender in error. However, XXXX XXXX  holds the note only, as most banks. Therefore, this account and account number does not match any of my records. This inaccurate collection account continues to show 120 days late which is violation of the Metro2 Standards. 

I have not received anything from XXXX XXXX XXXX in writing with my written signature nor orally validating the debt or anything to support that I have a debt with XXXX XXXX XXXX. Therefore, I was not privileged to dispute within the initial 30 days of initial written notification. XXXX continues to report this erroneous account without proper investigation. It is my right to know the original creditor under the FCRA which has been violated and has caused me a great deal of emotional trauma during this Pandemic period.
Product: Checking or savings account

Bank of America sent me three notifications by email on XX/XX/2020, that they are going to consider transferring my funds in three separate accounts to the state. To prevent this, they require I interact with the accounts by use of their mobile app, their online banking feature, or making deposits/withdrawals to/from the accounts. I do not have their app and do not want to have banking information on my phone. I do not use online banking either. My preference is to use a local branch for all banking transactions. I do not use the accounts being threatened because they are my savings and I want them left alone unless I need them. 

I called Bank of America to explain that I found the notification of my savings being considered for transfer to the state very threatening. I asked the first person what date the transfer is scheduled for, but he did not know. I asked to speak to a supervisor and she XXXX XXXX XXXX did not know the transfer date. I asked to speak to her supervisor ( XXXX ) and she also did not know the transfer date. I explained that I want to move my savings to a different bank before they are taken from me, but was told no transfer date is currently scheduled. 

The threat of losing my savings is extremely distressing. The attempted manipulation of my preferences for accessing my accounts, upon pain of losing my savings, feels horrific. I leave my savings alone as a point of responsibility. Bank of America has many means of verifying my continued patronage without threatening to take my money and give it to the state. I am what Bank of America calls a Preferred Rewards customer. I can not imagine how poorly they treat their regular customers.
Product: Credit card or prepaid card

XXXX XXXX This account was opened without my consent. Allegedly this account is a secured credit card and is over the limit by XXXX. I have worked with credit reporting agencies to resolve this and have been unsuccessful
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I, the consumer and natural person, was denied credit by MACYS when I applied for a Macys, XXXX XXXX XXXX XXXXXXXX XXXX They have defamed my character, a natural person with this denial and my personal information was also shared without my total consent! Also the advertisement was misleading because it said that I was prequalified to apply. 
And XXXX IS AGAINST THE LAW according to the Equal Credit Opportunity Act which Is codified in 15 US C 1691c and is pursuant to civil liability under 15 U.SC 1692k.

I have proof that i was discriminated against by MACYS due to the response i received. MACYS/CITIBANK N.A is in violation of 15 US. Code 1642, USC 1681m and 12 cfr 1002
Product: Credit reporting, credit repair services, or other personal consumer reports

I review consumer report that improper use of my credit was used and shows inaccurate information on my report please show proof or delete or paid follow accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also report fraudulent activity to both companies nothing has been done still on my report damaging my score and according to comsumer reporting agency make it vital to report maximum accuracy.
Product: Credit reporting or other personal consumer reports

Everytime I submit a dispute Equifax states reinvestion. 

There is nothing to investigate when a account is out by time of 7 years or 10 years old. 

Sent Identity theft form foXXXX XXXX XXXX XXXX and they refused to take it off my credit report. 

Equifax holds information on my credit report that is not probable or logical they do not know the laws nor know what they are doing. 

Remove all the accounts requested from the last complaint. 

Equifax is holding my credit report hostage and leaving false and fraudulent information on my credit report
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have sent 7 dispute letters to experian XXXX and XXXX Informing them that the following accounts are being reported with out my written consent and according to 15 u.s.c 1681 b ( 2 ) any negative information being reported with out my written consent is considered identity theft also when ever 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. Experian XXXX and XXXX are violating my federally protected rights.i have filed an ftc report # XXXX and have also filled out a identity theft Affidavit for the following accounts ( XXXX. ) 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 please delete these accounts within 4business days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

Tonight, I was stunned to see incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, and this time, I was surprised to find errors. I even refreshed the page, thinking it might be a browser issue, but the inaccuracies didn't go away. Im really counting on the documents I submitted to be fully reviewed so I can stop worrying about this.
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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A I have rights to privacy.

15 U.S.C 1681 section 604.Ait also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters asking for validation of several collection accounts on my credit report. I have not received any correspondence with the information requested nor have the items been deleted.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX  ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX  days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card

Unable to make payment online. 
When I try to make a payment, it shows : " Not eligible for XXXX XXXX. 
You dont have an account for use with XXXX XXXX XXXX Youll need to open a Bank of America XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of credit. Open an account ''. 

This is the first time that I have a credit card company forcing customer to open a banking accouint with them, in order to be able to make a payment. 

I have called and have XXXX add XXXX accounts, XXXX claim it is added, but it never appear on the online account. When I call back, they also do not see the account that was allegedly added before by their own XXXX 

Instead of addressing the issue, XXXX have anger issues.
Product: Credit reporting or other personal consumer reports

Capital one is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. Capital One is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and Capital one has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.
Product: Credit reporting or other personal consumer reports

Longstanding Complaint Against XXXX and TransUnion for Failure to Protect Consumer Data and Predatory Practices Dear CFPB, I am filing this complaint against XXXX and TransUnion for their failure to adequately address and protect my personal information after I discovered it had been linked to the black market. I have been dealing with this issue for over six years, and despite my repeated efforts to seek assistance, their response has been wholly inadequate.

Specifically : 1. Over six years ago, I became aware that my personal and financial information had been compromised and linked on the black market. I immediately notified both XXXX and TransUnion to seek their assistance in protecting my data. 
2. Instead of offering meaningful solutions, XXXX required me to pay a monthly fee to lock my credit file through their credit lock service. While this was positioned as a protective measure, I find it exploitative that I am forced to pay for protection against a breach I did not cause. 
XXXX. Over the years, XXXX has provided no additional assistance to address the ongoing threats or ensure my information remains secure. 
XXXX. XXXX lack of response and effective consumer support has also been extremely frustrating, as they failed to provide meaningful safeguards or updates to help me manage the risk of identity theft. 
These actions, or lack thereof, highlight a pattern of neglect and profit-driven practices that harm consumers like me. It is unacceptable for credit reporting agencies to place the burdenand costof security on individuals, particularly when those individuals are victims of circumstances beyond their control. 
I am requesting that the CFPB investigate : Why XXXX and TransUnion have failed to provide adequate protection and guidance for consumers in situations like mine. 
The fairness of requiring consumers to pay for credit lock services, especially in cases where the consumers data has been compromised through no fault of their own. 
Their compliance with federal laws regarding consumer protection and data security. 
After six years of this ongoing issue, I am left with no choice but to seek your assistance to hold XXXX and TransUnion accountable for their lack of consumer-focused solutions. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXX, GA XXXX Date XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I told ALL the credit cards I owe that I had a injury, which is true. Because if the injury I was unable to work and eventually lost my job because of it. I was told by all of them they would work with me and that they understood. Suddenly one card closed my account and sent to collections. Well as soon as that happened they all did the same thing. They lied about working with me and have since ruined my credit. I will not let this go until the accounts showed paid in full. They all told me a line of XXXX  closed my accounts and I was unable to take care of them. I want those accounts removed and Ill show how I can keep my credit up to date and have them begging for my business. Please help so I can move on and have the things I deserve.
Product: Debt collection

A collections appeared on my credit report in XX/XX/2022 from Wakefield & Associates. I disputed it due to no knowledge of said debit. I called Wakefield & Associates and requested proof of debit several times in the months of XXXX, XXXX and XXXX ( I also disputed this each month as well ). Nothing has come in the mail. And now the amount of the debit keeps going up? How is this possible? Per the Fair Credit Reporting Act the company much provide proof of debit, they are NOT PROVIDING PROOF. I have no knowledge of this company or such debit. In doing research the original creditor XXXX XXXX XXXX, also a collections company, whom I never heard of nor ever receive a bill from them. I have health insurance and have not needed any type of medical care in over 3 years. I don't know who these companies are but I am now Filing a complaint on both companies due to fraud practices to collect money.
Product: Vehicle loan or lease

When we got the loan they added a lien for the full amount. We refinanced a few months ago and they were paid in full. As a matter of fact they were overpaid by XXXX thru the Escrow comoany. I have been calling them and calling them to send me a refund and they keep giving me excuses as to why they will not refund my credit balance. Even after they sent me a statement showing paid they still will not issue my refund. I have spoken to managers and keep getting the run around and still no refund has been issued. It has been over 2 months since we closed and they were paid in full
Product: Debt collection

Portfolio calls every day from different numbers. They refuse to provide accurate information regarding the debt and insist I make payments. They refused a settlement amount which has resulted in me having to seek medical care for the harassment. This company harasses consumers and makes it impossible to come to a resolution.
Product: Debt collection

the collection agency is Frontline Assets Strategies. 
They repeatedly call and ask for some female about a debt. 
I 've told them I have not idea and ask if they even check their sources before calling people They admit they do n't do any research or investigation or any kind of vetting before they call. 
XXXX XXXX attorneys have sued them many times for this type of reckless behavior towards the public.