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

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account # : XXXX Original Creditor : 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. 1681 C ( a ) ( 5 ). Section states no consumer reporting agency may take 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: Consumer Loan

I recently submitted a complaint on USA Discounters under case # XXXX. They were to refund me the amount that they garnished my wages. It has been two months and they have not refunded me the money that they garnished from my wages. The amount has totaled {$1200.00}. I am still waiting on them to refund me the money that they said they were along with what was garnished with it which is the total stated above.
Product: Debt collection

we received a bill from  Harvard  collection services inc, I was not aware that i owed these doctors. original amt.  XXXX  settlement amt.  XXXX  then offer was made  XXXX  if paid on the phone. i had bad experience on dealings on the phone so i offered to pay by check, cashiers ck, or money order. at that time i was told that if i had concerns about paying on the i could pay on the phone and then close out my acct. then they said i could pay by ck. but amt would be  XXXX  to me this made no sense at all. this is what brought me to this point in time. the closing the acct. was so far off the wall i really became concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was stolen back in 2021 I filed police report and I had my wallet bag and laptop in the car with my personal information inside also there was a security breach with XXXX XXXX
Product: Debt collection

CFPB Complaint : Debt Collection Violation To : Consumer Financial Protection Bureau ( CFPB ) I. Introduction I am filing a complaint against [ Credit Collection Service ] for violating the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of all the debts they are attempting to collect from me. 
II. Cease Communication I hereby revoke my consent for [ Credit Collection Service ] to communicate with me via email, text message, or phone call. All future communication must be done in writing through the United States Postal Service. 
III. Debt Validation I am requesting debt validation in accordance with 15 USC 1692g. This includes : Verification of the Debt : I demand written proof that I legally owe the debt, including the original creditor, amount of the debt, and date of delinquency. 
Method of Validation : Please specify the method used to validate the debt ( e.g., account statements, contracts ). 
IV. Purchase Agreement and Licensing I request a copy of the purchase agreement between [ Credit Collection Service ] and the original creditor for this alleged debt. 
Additionally, I request proof that [ Credit Collection Service ] is both licensed and bonded to collect debts in my state. 
V. Five-Day Notice Violation I never received the required five-day notice informing me of my right to dispute the debt. This is a violation of 12 CFR 1006.34 ( b ) ( 5 ). If you believe I received proper notification, please provide a copy of the certified mail receipt with my signature. 
VI. Violation of FDCPA [ Credit Collection Service ] 's actions violate the following provisions of the FDCPA : 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation prohibits contacting a consumer after receiving a cease communication request in writing. 
12 CFR 1006.34 ( d ) : This regulation requires debt collectors to provide written verification of the debt upon request. 
15 USC 1681s-2 ( 7 ) ( a ) : This statute prohibits harassing or abusive collection practices. 
VII. Request for Relief I request that the CFPB investigate these violations and order [ Credit Collection Service ] to : Cease all communication attempts. 
Validate the debt in writing. 
Provid a copy of the purchase agreement and proof of licensing/bonding. 
Correct any inaccurate information reported to credit bureaus. 
I am also considering pursuing further legal action agaist [ Credit Collection Service ] for these violations. 
VIII. Additional Information ID and Proof of Addres IX. Conclusion Thank you for your time and attention to this matter. I look forward to your prompt investigation and resolution. 
Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Louisiana XXXX [ Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX   the following account names and numbers have violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

XX/XX/year> I reported to Citi Bank to close my credit cards ending in XXXX and XXXX because I got an email notice saying that the new cards I requested were activated. I did not request new cards for those accounts because I did not lose them, nor was it stolen and were not yet to expire. The credit cards were mailed to an address in XXXX, CA. I did not change my address, I do not live in California nor I have ever lived in California. After those credit cards were finally canceled and closed. Citi Bank issued XXXX new cards ending in XXXX and XXXX under the name XXXX XXXX to the XXXX, CA address. I have contacted Citi several times and disputed these cards as fraud because I do not know a XXXX XXXX and I did not send them any proof that I changed my name legally from XXXX XXXX to XXXX XXXX and I did not request or apply for new Citi credit cards. I sent them my letter from CFPB, a copy of my Police Report # XXXX ID theft 2nd Degree Felony and my letter of explanation. Citi states that that the investigation was decided that there was no fraud. Then Citi sends me the statements for those cards but changed the name from XXXX XXXX to XXXX XXXX. The XXXX new cards were issued to XXXX XXXX not to me XXXX XXXX. I did get divorced and have my court papers to change my name legally from XXXX XXXX to XXXX XXXX, which is my current legal name. I do not understand how or why Citi can change my name from XXXX XXXX to XXXX XXXX without any proof of name change. Citi will not remove the name XXXX XXXX and/or the California address from the credit reporting agencies. I feel this is an inside job within Citi Bank itself.
Product: Payday loan, title loan, or personal loan

My loan was charged off by USAA back in 2016. I have reached out numerous times and placed on 45+ minute holds in order to gather information about my charged off debt. I have been transferred to a department by the Member Debt Solutions team to provide me information, as well as tried to email and call   XXXX   XXXX   to see if he could route me in the appropriate direction.
Product: Debt collection

XX/XX/XXXX - Contacted XXXX XXXX  prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate charge-off reported on my credit file by XXXX XXXX/Synovus/XXXX. The account was opened on XX/XX/year>, with a credit limit of {$300.00}. My credit report indicates that the account was charged off in XX/XX/year>, with a balance of {$390.00} written off. 

I believe this charge-off is incorrect due to the following reasons : XXXX. Incorrect Balance Reporting : The reported balance exceeded my credit limit. If there were fees or charges beyond my credit limit, I was not properly informed, and this amount should be adjusted. 
XXXX. Lack of Proper Notification : I was not provided adequate notice or opportunity to resolve the issue before the charge-off. 
XXXX. Unfair Reporting : The charge-off is significantly impacting my credit score, and I was not given a fair chance to dispute or settle the debt before it was charged off. 

Additionally, it appears that the account has been sold to XXXX XXXX XXXX, yet the original creditors charge-off remains on my report. This could lead to double reporting of the same debt.
Product: Credit reporting or other personal consumer reports

Please see attached documents for the whole story but I have been trying to get an issue resolved for over a year with this company and they dont take anything serious and fail to respond to my dispute.
Product: Checking or savings account

Hello! 

Ive been wrongly charged {$25.00} maintenance fees ( the account was improperly linked by the company ) by Bank of America for the past 3 years or more. ( Im currently reaching out to BOA to find out if there are more charges in previous years ) I went into a location in my neighborhood to resolve the issue but they said they couldnt, so they put in a request. A case was opened, XXXX, then closed due to " Unable to process as requested. '' ( received in an email ) They gave me XXXX year of refunds but this isn't satisfactory, I spoke with 3 different associates until I was told by XXXX, area manager XXXX, the company was not obligated to help me out any further with refunds due to regulation. The phone call ended there with no offer of further escalation by BOA. 

I can provide all savings and checkings documents if needed to show improper charges.
Product: Debt collection

When i checked my XXXX  credit report i saw a debt owed from commonwealth financial original creditor XXXX XXXX XXXX XXXX Date opened XXXX XXXX On XX/XX/XXXX I called the creditor and it sounded like a scam, she said that i went to the doctor ( XXXX XXXX ) in XX/XX/XXXX but was not me, they had my info already, i acted like it was mine because how much of a scam it sounded, she went to see me up on a 2,3 and 4 month payment plan, then she went to a 25 % discount off of the XXXX $ to XXXX , after ending the call i looked more into it and read the comment for commonwealth financial and everybody seems to have the same story, just trying to get money, i never received any mail about the medical bill!
Product: Vehicle loan or lease

My balance has reflected an incorrect amount owed for quite awhile, among other issues/communication problems since the inception of this loan being transferred to this company. I spoke with the supervisor XXXX XXXX, XXXX XXXX, and some other ladies on the phone about this MULTIPLE times throughout XXXX. XXXX XXXX told me I was missing XXXX, XXXX, XX/XX/XXXX payments ( even though I wasnt even financed through them at the time ) and I sent bank statements and cancelled check copies proving they were paid. I also asked why was I never informed of missing payments when they bought my loan in XX/XX/XXXX and was told they just put my loan up to date. What? That makes no sense. Then she told me I was missing XXXX, XXXX, XX/XX/XXXX payments once I sent proof of the XXXX payments. Ive never missed any payments and sent all bank statements she requested to prove this. After proving I made all payments, she said she would " forward to upper management. '' This was XX/XX/XXXX. I have not heard anything since, and she refuses my calls, always in a meeting, lunch, on the other line, or just transferred to her voicemail. I have left countless voicemails and emails ( that XXXX XXXX confirmed she received ) and was told she would call back and email back however she has not. On XX/XX/XXXX, XXXX stated that this would be resolved by the end of the business day and XXXX would send me an email for my records and give me a call. That did not happen and I've called again since, and she is still not taking my calls. I just want my balance to reflect what I owe, so that I can pay off the vehicle and receive my title. The maturity date of the loan is XX/XX/XXXX, and I only have two payments left on this loan however my balance shows + {$1000.00} more ( because they claimed I missed 3 months payments, which was proven to be false ).
Product: Credit card

FRAUDULANT CHARGES, RETURNED TO XXXX, RETURN RECEIPTS WERE COLLECTED, THEREFORE I DISPUTE ALL CHARGES AS NON-RECEIPT, CANCELED & RETURNED, DAMAGED & RETURNED
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.
Product: Student loan

I have sent out multiple letters to NAVIENT for validation of student loan accounts that are showing up on my credit report. I never heard back from them within 30 days by law. I sent the second round of letters asking yet again for validation of this account. NAVIENT has cost me more money in interest fees over the years since i graduated back in 2012. I requested the " income driven base payment '' plan and instead they demanded i go into " forbearance '' instead. This company has become so expensive and has over charged me thousands of dollars in debt due to their scams. I demanding that NAVIENT remove all XXXX accounts off of each credit bureau ( XXXX ). I would like a written letter in the mail stating these accounts have been removed or i will have no choice but to take legal action due to non-compliance of federal laws under the Fair Debt Collection Practices Act. Navient may be liable for their willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]
Product: Debt collection

My personal information was part of a data breach and some unknown person used my private information to commit fraud and make me a victim of identity theft. Since this has happened multiple accounts have been established without my knowledge or consent and I have negative accounts from this identity theft showing on my credit report and there are collections from LVNV Funding LLC on my credit report from this incident. On XX/XX/XXXX I mailed LVNV Funding LLC and the credit bureaus with a police report, ftc affidavit, and other documentation proving the data breach and identity theft but LVNV Funding LLC and the credit bureaus did not remove the negative accounts from my credit. These are the fraudulent accounts that LVNV Funding LLC is reporting to the credit bureaus. LVNV FUNDING LLC {$9600.00} Date Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX LVNV FUNDING LLC {$24000.00} Date Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX I've already consulted with a consumer law attorney and he tells me this may be a violation of the Fair Debt Collections Practices Act for willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOTAL VISA IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XXXX WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. 

I have also disputed this balance 3 times as wrote to XXXX and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.
Product: Checking or savings account

Despite asking many times Upgrade Inc doesn't give a schedule of fees and charges on its website or on request. A customer service reached out to me promising a document ( since they don't even have one readily available at their end ) but they never followed through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Experian has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : Experian has reported obsolete information that should have been excluded from my credit report. 

Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/year> titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
Experian 's failure to comply with these laws has caused harm to my to my creditworthiness, limiting my access to credit, employment, and housing opportunities.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THERE ARE FRAUDULENT CHARGES ON XXXX ACCOUNT XXXX
Product: Credit reporting

XXXX, had a " system error '' and request that I contact XXXX with no other recourse. 
and Equifax simply refuse to use the information provided, despite my verifying them, requesting instead for me to send by mail ALL my personal details, this is the second year they have done this, I let it slide in XXXX, I will not let it slide in XXXX, I think they are a corrupt organization trying to get me to pay for the information that they are supposed to provide free. I am not asking for credit score, I am requesting a document that by LAW I must receive. please investigate Thanks