23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I wrote and sent a Certified Letter with Read Receipt for debt validation to Consumer Collection Management on XX/XX/2018 at Consumer Collection Mgmt. XXXX XXXX XXXX XXXX XXXX, MO XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that Consumer Collection Management provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). 

I asked for the following : 1 ) Agreement with the creditor that authorizes CCM to collect on the alleged debt. 
2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 
3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4 ) Proof that the Statute of limitations has not expired. 
5 ) Complete payment history on this account along with an accounting of all additional charges. 
6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent.
Product: Credit reporting or other personal consumer reports

Recently the CFPB fined XXXX XXXX XXXX XXXX for failure to conduct proper investigations of consumer disputes. The CFPB found XXXX ignored consumer documents and evidence submitted with disputes. 

There is a bankruptcy appearing in my Credit report. I disputed this item with TransUnion and the Data Furnisher XXXX XXXX. The Data Furnisher, XXXX XXXX agreed, removed the item and provided me with written proof. ( see attached ). To spite written proof from the Data Furnisher, TransUnion did not remove the item. I submitted a request for a reinvestigation. I requested evidence ( physically verifiable ) that they verified the information to be accurate and compliant. TransUnion verified the information via a third party other than the Original data furnisher and ignored the 100 % verifiable proof from the Data Furnisher that the item was inaccurate and should be removed. This is the exact conduct that led the CFPB to fine XXXX XXXX XXXX dollars.
Product: Debt collection

Holloway credit has repeatedly deleted their collection accounts of my credit file and putting them back on. And I am getting tired of it. They keep restarting the XXXX year reporting thing and messing my credit up. For 5 years now all they have done is removed the collection items and put them back. I am unemployed from a XXXX I had and had to retire. I should not have to pay the price with bad credit for something that was not my fault.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Product: Payday loan, title loan, or personal loan

charged a pre-payment fee on a lien that was placed on wrong parcel Attached papers of loan, fee and other informationl
Product: Student loan

Forbearance periods on federal student loans should count towards the Public Service Loan Forgiveness Program eligible payment count. My lender took advantage of my situation fresh out of college and encouraged me to take a forbearance on my loans when in actuality my payments would have been {$0.00} per month on an Income Based Repayment plan, thus counting towards my 120 months of repayment. They did not disclose the amount my payment would have been or else I would have never agreed to the forbearance terms at the young age of XXXX. So many people are in my same position. Give us credit for the months we have been employed in public service and have been responsible for student loans including the forbearance periods that we were wrongfully encouraged to take.
Product: Checking or savings account

Today, XX/XX/2022, I received an alert in my mobile banking app ( Capital One ) that I am unable to withdraw funds from my account and to call XXXX. When calling this numbers and going through necessary prompts, it directs me to customer protection resolution team. However, the only option I have is to leave a brief voicemail that contains my name, account info, and phone number. The recording then goes on to say that my message will be reviewed and IF NECESSARY, I would get a call back within 48 hours. Here I am trying to resolve whatever the issue is with my account ( an issue that I know nothing about ) and Im left with leaving a voicemail that apparently has not even been answered. My account does not have any suspicious transactions so Im clueless. I cant reach a live person because each call sends me to the same number. I have a small child and I need access to my money. Capital One has yet to reach out via call, email, or even through the app.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX, so I am hoping I am in the right place. 

The company Coinbase has recently been locking users accounts and freezing their assests ( some seem to be up to 2 months ). This is horrific considering they may have wanted to buy/sell/trade their currencies out for XXXX. 

I have been a user on Coinbase for 2 years, however in XXXX they froze my account and I have yet to be able to access it. Timeline below : XX/XX/XXXX - I join coinbase and actively trade currencies Wed, XX/XX/XXXX - account is frozen after trading a currency Wed, XX/XX/XXXX - email them with a support ticket saying my funds are locked for verification Wed, XX/XX/XXXX - go through every possible identity verification, facial, passport, address. Still funds are locked. 
Fri, XX/XX/XXXX - send another support ticket, no response Sun, XX/XX/XXXX - email their CPO, no response Sun, XX/XX/XXXX - send another support ticket, no response Mon, XX/XX/XXXX - send another support ticket, no response During these times I have been requesting assistance on their subreddit ( XXXX XXXX XXXX  ). Many other people are having the same issues with more money in their account than I do. 

I can only assume they are doing this to keep people into their coins as the market is currently booming. However if they keep this up during a crash I expect a large lawsuit will be heading their way. 

With regards to identification, they should know who I am through support tickets : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a second complaint regarding a late open account that is still inaccurately reported on my credit report, despite my previous dispute and request for correction. I am deeply concerned that this issue persists, and I insist on your immediate and thorough investigation to rectify this ongoing inaccuracy. I previously disputed the inaccuracy of this account and provided documentation to support my claim. I expected a prompt resolution to this matter, but regrettably, the account continues to be incorrectly reported as late open. 

I urge your bureau to conduct a comprehensive review of this account and correct the status immediately to accurately reflect its current standing. This continued reporting of inaccurate information is not only detrimental to my creditworthiness but also frustrating as I have taken necessary steps to address this issue. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary correction has been made. Additionally, I request an explanation for the delay in resolving this matter, as it has persisted despite my initial dispute. This late open account in my credit report should be corrected right away : XXXX XXXX Balance : {$900.00}.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX for years about reporting inaccurate information on my credit report to no avail they are reporting lies on my name and hurting my personal life
Product: Debt collection

I received a letter from PLUSFOUR, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX, in reference to a medical bill that at the time my mother signed the documents as financial responsible since I was in high school and a minor. 

Once I received the letter I called PLUSFOUR and gave them verbal permission to speak to my mother in reference to this account. 

My mother call XXXX XXXX, Debt Collector XXXX ext XXXX and set up payment arrangements on the account. I had just entered my first year of college and was not working so she was going to make the payments. This call took place on XXXX XXXX, with payments to begin in XX/XX/XXXX, my mother continued to ask that as long as we have an arrangement that this would not be reported to the credit bureau and was told YES by XXXX XXXX. My mother made sure that she stayed in contact with them if the payment was going to be late. The arrangement was for {$25.00} a month. A Payment was made for XX/XX/XXXX and XX/XX/XXXX {$25.00} each month for a total of {$50.00}. My mother call in XX/XX/XXXX to make the XX/XX/XXXX payment on XXXX/XXXX/XXXX at XXXX pm and she was ready to make the XX/XX/XXXX payment she always verified that this is not effecting my credit. XXXX advised her that it was reported to the credit bureau on XXXX XXXX, XXXX. We questioned why this has happened when we had a verbal agreement to make monthly payments on the account in the amount of {$25.00}. At that time my mother asked to speak to a supervisor ( XXXX XXXX ) that stated there was nothing that they could do once the account was paid in full then they could revisit the fact that it was reported to the credit bureau. I stated to her that this was not the agreement that was made and that they have not held their end of the agreement. I asked to speak to the Manager/owner XXXX XXXX so that I could explain that the company has an agreement with my Mother and did not hold up their end of the agreement. I was told that he was not available. My mother stated that she would like for a manager to call her so that we could get his figured out and we would continue to make the agreed payments once a manager has called her. We filed a complaint with the XXXX and received a reply that they are not responding to our complaint. As of today XXXX/XXXX/XXXX, we have not received a call back from the company to resolve this and continue to pay. I am a college student and because they did not keep their end of the agreement up, this is reported on my credit report which is preventing me from getting a student loan to continue my education. This is very disturbing that collection companies can make arrangements with you and then go against their work and you had been paying them. It is unethical that they can affect your life and you have agreed to settle or clear the debt and the only answer that they have is pay the debt and then we can talk. 

I am an unemployed college student whose parents agreed to help and resolve this and the collections agency was unethical.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

XX/XX/2019 COMERICA BANK, REPORTED ACCOUNT ABUSE on XXXX. I had direct deposit every other Friday on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions Furthermore, as a victim of identity theft anything that I did not do is to be stricken from my credit report or I have the right to sue in state and federal court. I already have a lawyer and litigation will follow promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled so many times for different loan companies for a car loan with out my authorization, i was only advised my credit would be used for a specific credit loan company called XXXX XXXX XXXX, whom i currently have my car loan with now. I was not notified that they would misuse my personal information and have my credit pulled as many times as they did. Now i have all these hard inquiries of different car loan companies on my credit that are affecting my score and i need them removed so my score can go back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed that you are reporting unauthorized inquiries on it. 
I have contacted the following Creditors below and they have no proof I Initiated these inquiries, no written authorization and have failed to provide reason for them reporting the inquiries on my credit report. 
According to Section 604 of the Fair Credit Reporting Act Permissible purposes of Consumers Report 15 U.S. Code FCRA, 15 U.S.Code 1681B In general. Subject to Subsection, any consumer agency may furnish a consumer report under the following circumstance and no other. 
( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by consumer.

Under 15 U.S.Code 1681i, Paragraph ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general. If, after any reinvestigation under paragraph ( XXXX ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The Following Inquiries are Unauthorized : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX LA XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - 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 XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX no longer services my XXXX  loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX  loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against First Progress Card for False Reporting Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against First Progress Card regarding their misleading communication and failure to accurately report my account to credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a letter from First Progress Card stating that they had updated and reported my account to all credit reporting agencies. However, upon contacting their customer service on the same day, I was informed that my account had not been reported, and I was advised to reach out to XXXX for clarification. 

Following this interaction, I contacted XXXX, which confirmed that First Progress Card had not verified or reported my account information. XXXXXXXX XXXX response explicitly stated that they could not reinstate the account on my credit report because the information from First Progress was not verified, highlighting the inaccurate claims made by First Progress.

The failure to report this credit card account has not only misrepresented my credit history but has also significantly shortened my credit history. A longer credit history is crucial for maintaining a favorable credit score, and the absence of this account is negatively impacting my overall credit profile.

This situation raises significant concerns as it appears that First Progress Card knowingly provided false information regarding their reporting activities to both me and the credit reporting agency. According to Section 623 ( a ) of the FCRA, it is a violation for creditors to furnish inaccurate information to consumer reporting agencies. By falsely claiming to have reported my account, First Progress Card is not only misleading consumers but also violating federal law.

The implications of such actions can be severe, including potential damages, fines, and attorney fees for affected consumers. I urge the CFPB to take action against First Progress Card for their misleading practices and to hold them accountable for their violations of the FCRA.

Thank you for your attention to this matter. I hope for a prompt investigation and resolution regarding this issue. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]