23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Sent CEASE AND DESIST letters and reiterated on a taped telephone call demanding ECMC cease and desist. I Filed Chapter XXXX Bankruptcy which has been discharged. ECMC 's representatives harass me on a daily basis. Calling from various numbers multiple times throughout the day, outside collection hours, and they have contacted XXXX parties regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect payment history information, Experian is reporting XXXX late payments for this account : Account name : XXXX XXXX XXXX XXXX I did contacted XXXX by phone and by mail and they stated that this account was paid in full and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # 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 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

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company Information Transunion. Please the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bal. {$510.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I had a loan with affirm that I've paid off. In XXXX, I asked Affirm customer service for a disclosure of how my information has been used or shared. I asked to delete my information and to close my account afterward, in that order. I kept getting the response that they will forward my request to the proper department and that department will process my request and get back to me. I've called several times, the last time XX/XX/23. Again, I was told I would get a response within 3-5 days. I was given case numbers along the way. However, every time I called back, this new representative denied funding any information linked to the case number id been provided at an earlier interaction. The final case # from XXXX : XXXX. 

I just logged into my account to attempt to close my account that way. Again, their system leads me through a fictional process to close and then I get a message telling me I can not close my account. 

Affirm 's privacy policy outlined my right to request, delete my personal information but when I try to invoke this right, I am told I can not. 

I am asking the CFPB to help me regain the management of my personal information and my financial information that is stored on Affirm 's website
Product: Credit reporting

My last name and my brother last is the same my brother has mortgage under his name, however I have no mortgage under my name Thsnk
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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>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

Equifax has let negative information back to my report without given proper procedure.
Product: Checking or savings account

Forged Check in the amount of {$8400.00} was drawn on my business BB & T ( now Truist ) account on XX/XX/2022. 
I knew it was fraud immediately because we have not done business with that vendor in many months. 
In addition, the amount of the check was approximately eight times the normal transaction amount. 
I submitted an " AFFIDAVIT OF FRAUD '' on XX/XX/2022. 
I have a Claim Number from BB & T ( now Truist ) and have called several times for updates and there has been no progress.
Product: Credit card or prepaid card

Problem with AAA of the XXXX XXXX XXXX XXXX. 

1. On XXXX XXXX, XXXX, I received notice from AAA that effective XX/XX/XXXX my existing Bank of America AAA Visa Card would be cancelled, and that I would receive a new " AAA Dollars Plus Visa Signature '' Card ( issued by XXXX XXXX  ). 
2. I had accumulated over XXXX Rewards Points at the time that card was cancelled by AAA. That AAA/Bank of America Rewards Program specified that every 25,000 in Rewards points could be converted into {$500.00} in cash or {$700.00} in AAA Travel Vouchers . Accordingly, those 126,000 existing points could have been converted into {$2500.00} in cash or {$3500.00} in AAA Travel Vouchers. 
3. When I received my first statement from the newly issued AAAXXXX XXXX Card for the period ended XX/XX/XXXX, it reflected under the " AAA Dollars Plus Rewards Detail '' that I had {$1200.00} in " converted rewards '' ( from the prior AAA Card that was cancelled by AAA ). In other words, I was credited with ONE HALF the dollar value that had accumulated under the card that AAA cancelled. THERE WAS NEVER ANY DISCLOSURE IN ANY OF THE COMMUNICATIONS FROM AAA THAT THE VALUE OF MY REWARDS FROM THE CANCELLED CARD WOULD BE REDUCED BY HALF ( OR MORE BASED ON THE POTENTIAL CONVERSION TO AAA VOUCHERS ).

4. I called AAA regarding this issue on XX/XX/XXXX, and was told that they would " review '' my issue/complaint. About a month later I called again, and was told by a " supervisor '' that the " computation '' of my reward amount was correct ( based on the never-before disclosed point that the conversion factor for previously accumulated rewards points would be based on1 % - vs. 2 % on the cancelled card )!

It is clear that in changing their rewards program in the way that AAA did ( with totally incomplete disclosures on the impact on the accumulated awards of existing card holders ) AAA succeeded in dramatically reducing the financial obligations that existed under the " cancelled '' VISA Rewards program. I am reasonably confident that I was not the only cardholder impacted by this action. In my opinion this action by AAA of the XXXX 's is/was at the very least fraudulent, and perhaps criminal.
Product: Debt collection

Diversified placed an adverse report on my Transunion credit report. I dispute that any amount was ever owed. Nevertheless I paid it to get it off my report. However, Diversified still reports it unpaid.DIVERSIFIED CONSULTNTS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Remarks. Here is how this account appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} DateUpdated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status :
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance {$22.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

" I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting or other personal consumer reports

I do not reconize these items on my credit report XXXX. A medical Debt, opened XX/XX/year> .A Medical Debt opened XX/XX/year> XXXX. A credit card, opened XX/XX/year>
Product: Checking or savings account

XX/XX/year> {$200.00} A 1099-C was filed on this account and it was charge off. Based on the Title 15 usc 1682. This company are in violation because a charge offs should not be on credit report becuase it's considered as income and never received a 1099-C from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

THere are accounts under my name that is a result of Identity Theft. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a XXXX dept and my score keeps going down. I is supposed to go up when you pay off a debt. It has gone down 10 points every month in the last two months. that is 20 points in two month. You pay off a debt it is supposed to go up. It has gone from XXXX to XXXX for no reason. 

They also refuse to take off a fraudulent debt XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Hello, I have a couple of issues with my account that needs immediate attention. The first issue was ignited after speaking with credit counseling services. They told me that I needed to hurry up and make payments before interested attaches to my account. His statement was not accurate and really frustrated me because my promotional expiration date was for 60 months. I dont understand how that could have possibly changed because thats what I signed up for during my initial purchase at XXXX. Not to mention its on my XXXX / XXXX statement ( which I have attached ). 

My Second issue has to do with how my payments have been applied to my account. If you look at my XXXX / XXXX statement and compare it to my XXXX / XXXX statement under SUMMARY of Promotional and Standard Balances you will see that Credit Plan # XXXX, XXXX, and XXXX are still somewhat close to what the outstanding balances were in XXXX. Which is odd because there is no interest on these items and they should have all been paid off by now. Especially being that I open this account back in XXXX of XXXX. In addition to that, when you look at the promotion expiration dates on the two statements. My XXXX / XXXX statement states that my promotion ends in year XXXX but my XXXX / XXXX statement says my promotion ended XXXX of XXXX ( which is inaccurate ). Unfortunately, I couldnt go back any further to gather more information due to the limitations of XXXX
Product: Credit card

I need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report immediately.
Product: Debt collection

I never received a product or bill statements. Spoke with company and they started they would look into it i sent over all information i have to prove i never received the product, they told me they would place my account on hold and give me a follow up call or mail/email. A week later i started getting calls from a collections agency and also a voicemail stating if i didnt call back they had no other choice but to escalate the situation and also brought up and attorney Im guessing to scare me that i would be sued. I called them and they advised the company denied my request to look into my missing product. I am paying for a product i never received and i am still getting calls!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Date : XX/XX/XXXX Bureau of Account Management XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute and Request for Debt Validation** Account Number : XXXX To Whom It May Concern, This letter serves as my formal Notice of Dispute regarding the alleged medical debt associated with the above-referenced account number. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. Additionally, as this concerns a medical debt, I expect your strict compliance with all applicable federal and state laws, including but not limited to the No Surprises Act and recent Consumer Financial Protection Bureau ( CFPB ) guidance on medical debt reporting. 

Please be advised that I do not acknowledge or admit responsibility for this alleged debt. I am exercising my rights under the FDCPA and request that you provide the following documentation to validate the debt : Proof of the original medical service agreement : A copy of the signed agreement or authorization for treatment that demonstrates I am obligated to pay this debt. 
Itemized billing statement : A detailed breakdown of the medical debt, including the charges for each service, adjustments, payments made, and any outstanding balance. 
Proof of assignment or ownership : Documentation showing that Bureau of Account Management has the legal right to collect this debt, including the chain of custody if the debt was sold or transferred.

Verification of compliance : Proof that this debt complies with state and federal statutes, including those related to billing practices for medical services.

It has come to my attention that Bureau of Account Management has been involved in legal proceedings where courts found violations of the FDCPA. For example, in XXXX XXXX Bureau of Account Management ( XXXX ), your agency was found to have failed to provide proper debt validation and continued collection efforts despite a valid dispute from the consumer. I urge you to ensure full compliance with the FDCPA in this matter to avoid similar consequences. 

Until the requested information is provided, I request that you immediately cease all collection activities related to this account, including communication with me, and stop reporting this alleged debt to any credit reporting agencies. 

You have 30 days from the date of receipt of this letter to respond with the requested documentation. If you can not validate this debt, you must cease all collection efforts and remove any negative information related to this account from my consumer reports. 

This letter is not an admission of liability for this debt and does not authorize any further collection activity. All correspondence regarding this matter must be in writing and sent to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

Bull city collections has posted a collection on my credit report without contacting me first. I have no knowledge of the dept and my balance with the supposedly owed XXXX XXXX  is XXXX. I disputed the collection to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$400.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act 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

XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX, XXXX XXXX and XXXX XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Mortgage

We made our last mortgage payment with Loancare Loan Number : XXXXXXXX XXXX XXXXXXXX and we were advised late by LoanCare that new Mortgage was under XXXX XXXX. 
XXXX XXXX to date has never received payment from LoanCare to-date. 
XXXX XXXX with Loan number XXXX has put us in delinquency status because LoanCare has not paid them the last payment we made in XX/XX/XXXX. 
We have made several phone calls to LoanCare and seems that every time we call customer service is outside US and hang up on us. Several emails made to LoanCare but never got resolved. 
We were never delinquent in our Mortgage payment since XXXX. 
We need your utmost support on this issue.