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

Subject : Opt-Out Notice, Request for Verification of Accounts, and Compliance with Federal Regulations Dear Sir/Madam, I XXXX XXXX a federally protected consumer am writing to formally request the following actions regarding my consumer credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC 6801, and 15 USC 6802, as well as noting a potential breach under the 1974 Privacy Act.

Opt-Out Notice : I hereby revoke any authorization, whether verbal, non-verbal, written, or non-written, for the reporting of my non-public personal information to any third party, pursuant to 15 USC 6801 which protects non-public personal information from unauthorized disclosure. 

Request for Verification : I request irrefutable proof that all negative accounts currently being reported on my consumer report comply with federal guidelines, as set forth in 15 USC 6802 ( B ) and ( C ) : ( B ) Ensure that I was given the opportunity, before the initial disclosure of such information, to direct that it not be disclosed to third parties. 

( C ) Provide an explanation of how I can exercise the option to prevent such disclosures. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 


Privacy Act Concern : I am concerned that my rights under the 1974 Privacy Act may have been breached. I request information on any disclosures made under my name that were not authorized by myself directly. 

Please provide the following information within 30 days from the date of this letter, as mandated by the FCRA. If you are unable to provide this information within the specified timeframe, please remove the disputed accounts from my consumer report until such time as you can provide the requested verification. 


Also remove all personal information from my consumer report. my current address is XXXX XXXX XXXX # XXXX XXXX Ca, XXXX all other address are non mailable and must be removed from my credit report.
Product: Debt collection

I received a notification of my credit report dropping due to this debt. I had zero communication on this debt and who to contact to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to experian to delete an erroneous item from my credit report. Request was sent XX/XX/XXXX, receipt was signed by experian representative on XX/XX/XXXX, as of today ( XX/XX/XXXX ) I have received no notification on the status of the investigation nor has my credit report been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Ive been using PayPal for a while just to make money transfers to my friend, I did it a little more than often but they close my account after I submitted my correct info. I have XXXX in the account and I need it I can not wait 180 days tto get access to my money. Ive also done research and I Am not the only person this has happened to they have closed new and older accounts numerous times.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX .... 

This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681.

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt.

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency. 

WHY IS THE BALANCE {$1200.00} WHY IS THERE A DATE OPENED OF XX/XX/year>? BUT YOU ARE BARELY REPORTING THIS ACCOUNT ON MY CONSUMER REPORT? 
THIS HAS ALREADY BEEN DISPUTED AND REMOVED YOU ARE NOW REAGGING THIS ACCOUNT BY RE INSERTING THIS ON MY CONSUMER REPORTS WITHOUT NOTIFYING ME OF SUCH ACTION. DELETE IMMEDIATELY AND PAY MONETARY RELIEF FOR YOUR VIOLATIONS UNDER THE FCRA AND FDCPA
Product: Debt collection

Aargon Collections ( XXXX ) calls my work line ( XXXX ) on a daily basis. They ask for someone who is n't mean and I do n't know. I have used the automated system to say it 's not me. I have told numerous live operators it 's not me. Yet they still call. I talked to them again Friday and warned them I 'd file a complaint if they called again. They too promised I 'd be taken off the list, and yet I got another call today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported the account 30 days past due. 
15 US Code 1666B - Billing Error, I did not give them consent and this company is not protecting my privacy.
Product: Bank account or service

USAA Bank, clearly advertises that family members of veterans may obtain checking accounts with them. That is only partially true. In there national commercial they clearly state that siblings of veterans may obtain an account. When you call USAA Bank, a sibling is not allowed to obtain an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was already under documented dispute. They stated they applied a two month billing cycle extension for Covid 19. I paid this account completely it was a small amount of under {$250.00} on XX/XX/2020 it cleared my account XXXX as attached I called back XXXX to confirm my credit was being rectified I said I would get a lawyer if need be they then starting calling me a bankruptcy client They stated calls never took place I sent them proof of such then they stated oh sorry we didnt have notes we provided coaching to our employees. I advised my credit was showing 90 days past due multiple times when I was only 60 days initially they denied that until I sent proof as of today that was rectified to 60 days thanks to me having sent documented proof multiple times This error has caused me significant financial harm and I intend to explore every legal remedy to me within 30 days if not rectified
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never  been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Product: Credit reporting

My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a federal student loan account with servicer Great Lakes Educational Loan Services and they have incorrectly reported my account as being " deferred '' when it is not in deferral status. I never requested a referral and have been made aware of a credit reporting error made to many people with this same loan service. I am on a {$XXXX} IBR plan and have been for years! The only change that should have been made to my federal student loan account was bringing down the interest rate to 0 % until XXXX due to the COVID-19 crisis. This horrible error in reporting has caused my credit score to be lowered by 20 points ( XXXX ) and 27 points ( XXXX ) respectively. I can provide proof. I have not had any other changes made to my report or caused anything to alter my score and it wasn't until my federal loan account changed statuses that I was made aware of the lowered score. This needs to be resolved immediately as I have now been placed in an entirely lower category of credit scoring. This is an extremely negligent business mistake on the part of Great Lakes. I contacted them to make them aware of the error and there was nothing the customer service representative could do to direct me to resolve this grave error.
Product: Debt collection

PHOENIX FINANCIAL XXXX HAS BEEN CALLING MY PHONE TO COLLECT A DEBT THAT I DO NOT OWE UNDER A NAME THAT IS NOT LINK TO ME NOR MY SOCIAL SECURITY NUMBER
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years XXXX XXXX sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXX and was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX   and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXX and they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time XXXX. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Product: Checking or savings account

After a large number of phone calls and a few in-branch meetings, my " Chase Bank Account Take Over '' has still not been addressed. A large number of fraudulent transactions, including fraudulent credit card accounts have been added to my account. A thorough and detailed description of my case was sent to a Chase Representative including XXXX. The attached email thread includes a XXXX XXXX XXXX XXXX alert dating back to XX/XX/XXXX- including fraudulent transactions. A list of fraudulent Hard/Soft inquiries dating back to XX/XX/XXXX. A list of unfamiliar/unknown credit card accounts established/re-opened with my Identity ( some previously owned and closed accounts ). In addition to my " Bank Account Take Over '' that took place after I left my previous employer and the country- I noticed that my SSN had been compromised since. The actual SSN letter was stolen on XX/XX/XXXX. I have reached to myXXXX to self-lock my SSN to protect myself from Employment Related Fraud and found that my own SSN was Self-Locked on my behalf. I have XXXX FTC reports. FTC REPORT # XXXX and FTC REPORT # XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Express Recovery XXXX for improperly reporting a collection account on my credit report. I originally had an account with XXXX XXXX XXXX, and we entered into a formal payment arrangement to resolve the balance. Under the CARES Act, when a payment accommodation is made between a borrower and a creditor due to financial hardship ( such as an agreement to modify payments ), the creditor is generally required to continue reporting the account as " current '' if it was current before the accommodation, or maintain the same delinquency status without worsening it.

Despite this, Express Recovery SVCS has reported the account as a collection, which negatively impacts my credit. This reporting appears to violate protections afforded under the CARES Act and inaccurately reflects the status of my account. I am requesting that the CFPB investigate this matter and ensure that the debt collector corrects the reporting or removes the collection entry from my credit reports.
Product: Checking or savings account

I have a chime account I used there pay anyone feature on there account I typed in the phone number of my friend for the amount of XXXX my friend never received it, it went to a totally different person even though my friend has a chime account with that phone number on there account. This all happened on XX/XX/2024. Contacted customer service they opened a dispute # XXXX and it was closed saying no error occured when it absolutely was an error. Please help me fix this from happening I have known others this happened to so why haven't safe guards put in place to keep this error from Happening chime must benefit from this error so why fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to file a report with the Federal Trade Commission or at https : //www.ftc.gov. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Checking or savings account

I was searching online for a hotel room, and I went on some website. I brought nothing from this website called XXXX XXXX. I have no idea why they changed me.