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

Complaint against XXXX I write this letter to formally bring forth a complaint against XXXX for their failure to comply with the rules and regulations outlined in the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the issue directly with the debt collector, I find it necessary to escalate this matter to your attention. 

I sent a letter to XXXX requesting them to validate the incorrect information they are reporting on my credit file. In response, I received a letter from XXXX claiming that my information has been verified. However, the response provided by XXXXcontains insufficient validation of the disputed information and fails to meet the required standards as stipulated by the FDCPA.

As per Section 809 ( b ) of the FDCPA, debt collectors are obligated to provide specific information to validate the accuracy of the reported debt. This information includes, but is not limited to : 1. The name of the original creditor 2. The original account number 3. Documentation confirming that I am responsible for the debt 4. The complete payment history, including any
interest or fees charged 5. Any agreements or contracts that evidence the existence of the debt XXXX provided none of this required information in their response, which constitutes a clear violation of the FDCPA. I have made a diligent effort to handle this matter in good faith while upholding my rights as a consumer, but XXXX actions have left me no choice but to seek assistance from your reputable organization. 

Their failure to comply with the FDCPA is evident. Additionally, I request that they be instructed to remove the incorrect account from my credit report, as the law mandates in such circumstances. 

I have attached copies of the relevant correspondence for your reference, along with any supporting documentation regarding the inaccuracies in my credit report. Please let me know if any further information is required to facilitate the investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple inaccuracies and fraudulent accounts on my consumer credit reports that have significantly impacted my financial standing and creditworthiness. The following accounts are either fraudulent, improperly reported, or violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal consumer protection laws. 

The Inaccurate or Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie Legal Basis for This Complaint : FCRA Violations : These accounts may have been reported inaccurately or without proper verification, violating 611 and 623 of the FCRA.

The inaccurate information has resulted in false hard inquiries, charge-offs, and negative items, all of which harm my credit score and reputation. 
FDCPA Violations : The collection practices by creditors and debt collection agencies, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have been misleading, harassing, and conducted without proper validation of the debts as required under 809 of the FDCPA.

Bankruptcy Reporting : The inclusion of XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX violates 605 of the FCRA if the bankruptcy information is outdated or reported inaccurately.

Action Requested : I demand the following actions : Immediate investigation into all the accounts listed above.

Removal of all inaccurate, unverifiable, or fraudulent items from my consumer credit reports with all three credit bureaus ( XXXX, Experian, and XXXX ). 
Cease all collection activity related to the accounts under the FDCPA until these items are properly validated. 
Provide me with a detailed response outlining the results of the investigation and corrective actions taken. 
The ongoing presence of these accounts on my credit reports has caused me significant financial and emotional distress. I trust the CFPB will intervene to uphold my rights and ensure that creditors and credit reporting agencies comply with federal laws. 

Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX for further details or documentation.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Outstanding loan was under Sallie Mae which was sold to Navient. When trying to lower monthly payments, received threatening and harassment from their collectors. Belittling comments made on how I was not paying attention to this matter and how they were going to ruin me and my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several efforts to resolve this matter directly with The CBE Group. 
I have never done business with this company and there is no signed agreement with the company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

i set up a payment plan when i did my purchase to avoid interest. i was surprised that my plan did not go through and was defaulted to the minimum. so this company get the interest. i contact them to solve the issue and the said that automatic payment is set up only for minimum payment and not for more than that. this is misleading, how can you offer automatic payment and allow only minimum payment. this tactic is used so the company can collect interest no mater what. my purchase was for {$700.00} with 6 month no interest, i set up $ XXXXmonth payment plan to avoid paying interest but klarna keep making it {$25.00}.
Product: Credit reporting or other personal consumer reports

Recently, upon reviewing my credit report, I identified several billing errors in violation of 15 U.S. Code 1666 ( b ) regarding billing errors, specifically : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
( XXXX ) A computational or accounting error made by the creditor on a statement. 

Additionally, I did not receive any notification or statement 21 days prior, as required, meaning no late payments should have been reported for these accounts. I am requesting hard, verifiable proof from the creditors bank records showing that I failed to make the payments that were marked as late, as this appears to be a clear billing error. As a consumer, I have legal rights under the law, and these accounts must be updated or removed immediately. Failure to do so will result in my seeking monetary damages for the violation of my rights under 15 USC 1681n ( civil liability ).
Product: Student loan

I have graduated from college and am ready to repay my federal and private loans. I work for a XXXX XXXX full-time and a XXXX XXXX part-time and my annual salary totals approximately {$34000.00}. The lender for the federal loans ( XXXX ) has agreed to an income-based payment plan, which I am comfortable paying. When I contacted Sallie Mae, they informed me that they don't have this option. I was told that the only option they offer is a one year plan where I pay the interest-only on the loans. The savings per month was negligible and only puts off the inevitable. Furthermore, the loan rates are variable and my payments are {$730.00} -- an amount I can't afford and will increase as the interest rate fluctuates causing my payments to increase month-to-month. My rent is {$850.00} per month without utilities. In order to pay this amount each month to Sallie Mae, I will have to go bankrupt on my current credit card debt, as it is impossible to pay everyone. My loans with Sallie Mae have been accumulating interest while I've been in school and have now topped {$80000.00}, two of which have interest rates over 9 %. Please understand, I'm not making a complaint so that I can default on my loans, I simply want a payment plan that is based on my ability to pay - something banks require in order to lend you money in the first place. This complaint is being made because no lender should have a right to force me into poverty.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account 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: Debt collection

They called me telling me about my XXXX  hospital bills, and I told them to take me off the call list and Ill handle the payments then they called me again 3 weeks later and again 3 weeks after that after I have alreayd made a payments
Product: Credit card

My Capital One credit card account has been locked for over a year due to alleged fraudulent activity. Despite multiple calls to customer service and the fraud department, I have not been provided with a clear explanation or a resolution. Each time I call, I am told to call back, but my issue remains unresolved. 

Additionally, Capital One representatives are demanding that I provide bank statements for accounts I have never had access to and do not recognize. This is an unreasonable request, as I can not obtain documents for accounts that are not mine. 

What do you think the company did wrong? 
Capital One locked my account without a valid explanation and refuses to unlock it. 
They are requesting bank statements for accounts I never used or had access to, making it impossible for me to resolve the issue. 
They have failed to provide clear steps to verify my identity or dispute their fraud claim, leaving me unable to access my account for over a year. 
Their customer service and fraud departments continuously redirect me without a solution. 

What would you like to see happen?

I am requesting that Capital One : 1. Provide a written explanation of why my account was locked.

2. Remove the fraud flag if no legitimate fraudulent activity has occurred.

3. Offer a reasonable alternative for verifying my identity instead of requiring bank statements for accounts I do not have access to.

4. Unlock my account or allow me to close it without a negative impact on my credit.
Product: Student loan

I have been dealing with Navient to make student loans payments. Since XXXX I have notified Navient of my correct address. However, as recent as XXXX Navient representatives have indicated they have a separate address that I have never given anyone on any students loan document. How can I know what I am suppose to pay or what should be paid if I have not received proper notice via US Mail or email? This has resulted in loans becoming defaulted and credit score being negatively impacted. On at least two separate occasions ( XXXX and XXXX ) I have provided the correct mailing and email address information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX account 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Debt collection

I have been trying to stop a company called Money lion from reporting a fraudulent account on all three of my credit bureau accounts. My former bank even got involved and flagged it as fraud, refunded the money taken and had to open a new account for me in order to stop this company from withdrawing funds for some sort of program they calm I signed up for. It's also reports as a bad debt and I have disputed with all three credit bureaus but it's still there. This has now caused me to be denied a loan for a house. A house my family needs for our XXXX son. This is also hurting my credit for my company. I do not owe this company money and need this removed before it costs my family anymore than it already has. I have all of the correspondences from XXXX XXXX as proof that this was a fraudulent account and fraudulent activity.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. This case pertained to unauthorized XXXX transactions totaling {$3900.00} that were posted to my account ending in XXXX. 

In a letter dated XX/XX/2023, I received notification from the Dispute Resolution Department stating, " we attempted to recover the funds through XXXX ; however, unfortunately, our attempts were unsuccessful. Therefore, the dispute claim was denied, and temporary credits were reversed on XX/XX/2023. '' The Electronic Fund Transfer Act Regulation E ( E CVFT 205.6 ), which clearly states that for unauthorized transfers not involving the loss or theft of an access device, if notice to the financial institution is provided within 60 calendar days after the transmittal of the periodic statement on which the unauthorized transfer first appears, the maximum liability to the consumer is 'No Liability. ' Given that XXXX and Regulation XXXX are applicable to XXXX payments like XXXX, I am formally requesting that XXXX Bank refund my account in the amount of {$3900.00}, as per the regulations outlined.
Product: Debt collection

Transworld System Inc is attempting to collect a debt for XXXX XXXX XXXX XXXX. I have never had an account with them. I asked for a copy of the original agreement bearing my signature regarding XXXX, the date the contract was signed by me an other relevant information to verify the debt. They did not respond. They placed this debt on my credit report before validation which is against the law and therefore should be removed and permanently deleted from all credit reporting bureaus and agencies immediately.
Product: Credit reporting or other personal consumer reports

I acknowledge that, despite the specific details provided by customers, you have been employing pre-written standard form letters in responding to numerous disputes, complaints, and challenges. I am well aware that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its own merits. 

My letters have been created using readily available software accessible to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that third-party assistance may be available, and this does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. I understand that you can postpone responding to consumer letters without requiring a Power of Attorney. I will interpret your failure to respond to my correspondence promptly as a deliberate disregard for my customer rights, and I will be compelled to involve my lawyer and take legal action in such a scenario.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted XXXX XXXX data field reporting standard, I have the right to dispute any information on my credit report that I believe is incorrect. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Consequently, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to tolerate any misinformation associated with my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report is paramount, and the listed allegations do not meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the presented information. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements is unacceptable. Ensuring accurate and properly formatted reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX, is crucial. I kindly request that you handle this matter with the utmost care and diligence.
Product: Debt collection

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. 
My information may have gotten to the hands of the wrong people and this may be the result of such an incident.