23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : 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 an account without my written instructions.
Product: Debt collection

In accordance with the Privacy Act, the Fair Debt Collection Practices Act, along with 15 USC Subchapter V Debt Collection Practices this is a friendly reminder and warning to be cautious of violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692, 15 U.S.C. 1692b, 15 U.S.C. 1692c, 15 U.S.C. 1692d, and 15 U.S.C. 1692j.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have a Chase Sapphire credit card, that has always been paid on time and with amounts much larger than the minimum required. I just received notice that at the peak of the pandemic, and while Puerto Rico was being hit by hundreds of earthquakes simultaneously, this company chose to report 2 missing payments and affect my report. 

I spoke to a representative ( useless ) that when I asked if they were targeting XXXX women, he immediately transferred me to a supervisor. He never apologized. He never refuted that they were discriminating. He offered no answers or alternatives. 

Let me know if you can help, or if you have no alternatives or just don't handle XXXX 's complaints as well. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; 3. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXXXXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. The XXXX XXXX XXXX  Acct # XXXX has violated my rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, CITI/CBNA, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have some inquiries on my report that don't belong to me.
Product: Mortgage

Seterus is reporting late payments on my credit report that are not accurate. They are listing me as being 120 days late from XX/XX/XXXX until XXXX and then 180 late from XX/XX/XXXX until XX/XX/XXXX. 

This is damaging my credit score and by no means accurate. I have disputed this in the past and my dispute was ignored.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agency : Experian is furnishing inaccurate information that violates my consumer rights under the FCRA. See Violation of FCRA below : Account Name : XXXX XXXX XXXX, Account Number : XXXX .... 
Original Creditor : XXXX XXXX XXXXXXXX Late Payment : 30 days ( XX/XX/2018 ) - Violates FCRA 15 U.S.C 1681-S ( 2 ) ( 7 ) ( A ) ( I ) because financial institution did not provide a notice of such furnishing of " negative information '', in writing, to the customer 30 days prior or after the furnishing of " Negative Information '' on my consumer report. This is a clear violation of the FAIR CREDIT REPORTING ACT. The " Willful Noncompliance '' of Experian has caused me damages to my character, capacity and reputation.
Product: Credit reporting or other personal consumer reports

I have an attached file showing the items your company said was reporting accurate. By your standards these accounts should not be reporting on my consumer report. Your company need to remove all inaccurate and inconsistent items from my report asap. Failure to due so will result in noncompliance and your company will be responsible for willfully not complying with what standards you have set in place.
Product: Payday loan, title loan, personal loan, or advance loan

I am completely aware that I owe Tower loan XXXX for a loan. I explained to them that I am experiencing financial hardship and I will try to pay when I can. These people are constantly calling and coming by my house dropping off billing statements even after hours. I have emailed company about this matter. This is very unprofessional, annoying and a bit scary.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an urgent and final notice regarding the severe compromise of my Social Security number, leading to my identity being stolen and fraudulent information appearing on my credit report. I have already filed an FTC Report, which is enclosed with this letter. I expect immediate action from you. Under 15 USC 1681c-2 ( a ), you are legally obligated to block and remove any information associated with identity theft from my credit report within four business days of receiving a valid complaint. I demand that you comply with this law immediately. 

Fraudulent Account Information : XXXX XXXX XXXX XXXX XXXX - The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX XXXX - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX XXXX - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXXXXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXXXXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Student loan

ECMC would like me to apply for loan consolidation and loan rehabilitation with Income driven repayment plan. Under the new Income driven Payment plan ECMC would like to change the interest rate of my loan from fixed 3 % to 18.5 % I do not accept the terms of their loan consolidation. My loan is fixed 3 % for the life of the loan. 

I do not have the ability to pay. I am not going to accept a new term and new interest rate from a company.
Product: Money transfer, virtual currency, or money service

CFPB- I come before you on XXXX day of XX/XX/XXXX with major concerns/complaints that USAA et a. May have, still is, will continue to breach contracts, commit violations, securities fraud by withholding necessary information from the holders. XXXX XXXX is the signer for most forms. The form that is misleading is the XXXX form the form where you seek to find the process to execute a new issue with indentured trustee which in this case is XXXX XXXX XXXX. After sending several registered securities without any acknowledgment thus far to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. After calling XXXX XXXX I was told what I was given was completely incorrect and everything I did was null/Voided and was shortly given the correct procedures. 
- From my understanding USAA doesnt know where the titles of my cars are located nor have they try to secure them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRY 'S DO NOT BELONG TO ME.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Request Regarding Jefferson Capital LLC Account Ending in XXXX Dear CFPB Representative, I am writing to formally request your assistance in resolving an issue with Jefferson Capital LLC regarding an account originally associated with XXXX. 

Account Details : Collection Agency : Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is currently under dispute, as noted on my credit report : CONSUMER DISPUTES THIS ACCOUNT INFORMATION. Despite my dispute, Jefferson Capital LLC has continued reporting and collecting on this debt without proper validation or sufficient documentation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. Cease and Desist Communication : Jefferson Capital LLC must immediately cease all communication regarding this account with me.

2. Verification of Debt : Provide documented proof validating the accuracy of this debt, including a complete history of the account and original agreements.

3. Correction or Deletion : If the debt can not be validated with accurate documentation, it must be removed from my credit report immediately. 

Please investigate this matter promptly. Attached is a copy of the relevant credit report information for your reference. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and provide an update on the status of your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Affirm for months about an alleged debt that continues to report to my credit file. This debt is negatively effecting me ( my credit score/credit worthiness ) and is defamation of character. I have requested that this alleged debt be validated with the original contract with my signature but it have not been provided. According to Fcra after 30 days of requesting validation if it is not sent the debt is to be deleted. This debt have not stopped reporting because Afform states that it is validate. If this debt is validate it need to be verified with the contract with my signature. If this verification can not be provided by Affirm to me then the debt needs to be deleted immediately. If the debt is not deleted I do intend to seek ligation for the violations of my consumer rights and defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 Experian RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Checking or savings account

I closed my Citi XXXX XXXX account due to the neverending incompetence by this bank, yet I am, somehow, receiving emails from the crooks telling me there's service charges and a negative balance.
Product: Credit card or prepaid card

This complaint is a followup to a previously submitted complaint # XXXX-XXXX. 
Citibank responded by saying that the fee is non-refundable, but I checked the Card Agreement Guide and nowhere does it say that the fee is non-refundable. Actually, the fee is described as an " Annual Membership Fee '' and as such, having paid the fee, I should be entitled to enjoy the benefits that come with such membership, such as the XXXX XXXX XXXX and XXXX XXXX, for the duration of my membership. Second, nowhere does it say that the fee is earned immediately upon billing, so I expected that the membership fee would be earned on an amortized basis as the year progressed. Lastly, nowhere in the Card Agreement does it say that such membership benefits would terminate at the closing of my account. So, all-in-all I feel I was misled and Citibank is not acting in good faith. Therefore, since we have an unresolved dispute, pursuant to Section 11 of the Card Agreement titled " Arbitration '', I would like to initiate arbitration proceedings. Since nobody in Citibank Customer Service knows the answer to this, please provide the instructions for initiating arbitration and how Citibank will go about paying my share of the arbitration fee, per the Card Agreement. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohl 's is reporting a 30 day late payment to the credit bureaus. They are in violation of sec 4021 of the Cares Act. A kohl 's employee made a mistake when I attempted a payment. I was affected by XXXX. I received an accommodation, which was a refund for the late fee that I incurred on XX/XX/2022. The date of the refund was XX/XX/2022. According to sec 4021 of the Cares Act I fulfill the requirements of this law mandated credit reporting correction and Kohl 's must report my account as current for the time before and during the accommodation. I have attached documents that support my claim. I will also be seeking compensatory and punitive damages for each day this violation occurs if not rectified with in 7 days.
Product: Credit reporting or other personal consumer reports

This is my final attempt to resolve before I pursue arbitration against Experian. In XXXX I filed a complaint giving them detailed instruction about NOT having my permission to report nonpublic and unverified information on my consumer report. To date this same info still reflects on my report. Experian responded to the complaint stating they verified the information was correct, but with who. I demand to know the names/titles of EVERYONE that allegedy verified these accounts ; the dates in which they were contacted ; and copies of the documentation provided to prove such claims on these charged off accounts and accounts with late payments.
Product: Checking or savings account

CHASE BANK CLOSED MY ACCOUNTS XX/XX/2023 AFTER 9 YEARS OF GOOD RELATION SHIP I NEVER GOT ANY PROBLEMS I CALLED THE NUMBERS AND NO ONE GAVE ME A ANSWER FOR CLOSING MY BUSSINES AND PERSONAL ACCOUNTS. I DONT THINK IS FAIR BECAUSE I BEEN DOING GOOD SO I CAN GET A LOAN FOR A HOUSE. NO ONE HELP ME TO RESOLVE THIS PROBLEM THEY CLOSED MY CREDIT CARDS AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union seems to be under the impression it is okay to place remarks on every account ever disputed on a credit report no matter when or how long ago, and leave the comment on each account even after an investigation is over ; even if the investigation resulted in changes in the consumers favor ; which is entirely unnecessary and should be against the law. After multiple attempts to have these remarks removed from 3 separate accounts with Trans Union, they continue to list the accounts as " ACCT INFO DISPUTED BY CONSUMR '' and " DISP INVG COMP-RPT BY GRNTR '' I have called to have these remarks removed and submitted 3 separate requests via their electronic dispute wizard to please " remove the remarks on these accounts, they are no longer in dispute '' The results to their " investigation '' for each account was that the DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. Which basically means nothing because ultimately the remarks are still listed on each account. This problem only exists with Trans Union and each credit reporting agency has different methods of resolving this type of issue and Trans Union seems to not follow any type of standard of expedited process to resolve this small and simple issue related to credit accounts.
Product: Debt collection

Key Bank called my cell phone on Friday, XXXX XXXX asking to speak to someone other than myself. When I informed them that they had the wrong number the caller became irate and accused me of lying about the fact that they had indeed called the wrong number. I believe that Key Bank is also responsible for a call I received XXXX weeks ago from an attorney 's office looking to collect a debt. They left a message and when I called them back they told me they had no information to give me as to why they called but wanted me to volunteer my name which I refused to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXXBalance Owed : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXXBalance Owed : {$340.00} XXXX XXXXBalance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX FL XXXX XXXXBalance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My XXXX reports are inaccurate. These inaccuracies are causing XXXX to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future XXXX.