23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At the time i was a delivery driver for XXXX working with XXXX XXXX now I had purchased a used XXXX XXXX XXXX financed through Ally financial, i live in California I also had a set schedule i drove for about XXXX hours a day including getting to and from work! I had told them about my job location and schedule and told them specifically that they can not call me on those days as it is illegal to talk on the phone and drive in the state of California however they only called on those days now i had told them all of this information for about 2-3 months and was getting extremely frustrated I told them to stop or i am calling the cops, they did not now at that point i was mentally and physically drained from this issue and work I told them if you call and harass me again I am going to stop paying however i am willing to renegotiate if you send a representative in person no phone no text no email no mail! In person as I consider their actions as trying to get me to commit a crime! I have also tried to call them and talk about it with them to find a solution but they put me on hold for about 30 minutes and i give up!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX continue to report a Bankruptcy they said XXXX verified. 
XXXX sent me a letter stating they deleted the error. They did not verify!! No method of verification. FCRA consumer rights violations, they must delete immediately. They ignored the letter from XXXX! Vlear violation!!! Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian on XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 


XXXXXXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Debt collection

I am a consumer of the United States Corporation. Affirm Inc has violated my rights to the FDCPA and the FCRA. I am a natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this to my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that I am the original creditor. How can anyone try to collect an alleged debt if they are not the original creditor. I am demanding that you update those alleged payment. I need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this I will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX
Product: Money transfer, virtual currency, or money service

Money was getting transferred from my Zelle and tooken off transaction I didnt approve
Product: Debt collection

XXXX is reporting that I owe a debt to XXXX and XXXX has sent the debt to a company called Jefferson. I have sent XXXX and Jefferson both letters disputing the in accurate information reporting on my credit report. I stated that the information listed is in accurate and does not belong to me and if they can not do a thorough investigation to please have it removed from my credit report. They have yet to follow those guidelines.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged deb
t pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

Shapiro, Dicaro & Barak was sent a notice demanding validation of a debt on XX/XX/XXXX via mail and personal service demanding Shapiro, Dicaro & Barak validate the alleged debt they are collecting on. Shapiro, Dicaro & Barak refuses to validate the debt. After carefully reviewing the documents they submitted to the court. I have uncovered new information and extensive fraud in the alleged debt/ account Shapiro , Dicaro & Barak are alleging belongs to i. Shapiro XXXX Dicaro & Barak presented documents that have serious issues of fraud and violates the false claims act, T.I.L.A, FDCPA XXXX XXXX, Frauds and Swindles. Due to Shapiro, Dicaro & Barak misconduct and dishonest practices, i have lost {$15000.00} over a time period from XX/XX/XXXX to present. And my grandfather and husband who are also aware of this fraud, have incurred health challenges as a direct a direct result of this company and their continued trespass and false representations.
Product: Credit card or prepaid card

I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Product: Student loan

The attached lawsuit .pdf, page XXXX, is at issue for my CFPB complaints regarding my student loans. In XX/XX/XXXX, AES made the same claim as listed on page XXXX. By doing this, they misrepresented themself and the related agency laws related to the agency of the federal government at issue in my loan. Other cases and appeals finally stated that AES is a simple corporation and could be sued. This is a XX/XX/XXXX case which clearly falls between my XX/XX/XXXX IBR communications with AES and my XX/XX/XXXX CFPB complaints against AES and XXXX XXXX XXXX. In those complaints I provided detailed information.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding CFPB 's Failure to Enforce FCRA Subsection 605B and 15 U.S.C. 1681c-2 Against XXXX XXXX Experian, and XXXX Dear Consumer Financial Protection Bureau , I am writing to formally express my concern and dissatisfaction with the CFPB 's apparent failure to enforce the Fair Credit Reporting Act ( FCRA ), specifically Subsection 605B ( 15 U.S.C. 1681c-2 ), against the three major credit reporting agenciesXXXX, Experian, and XXXX. 

Under the FCRA, Subsection 605B provides clear legal protections for consumers who are victims of identity theft, including the requirement for consumer reporting agencies to block the reporting of information resulting from identity theft within four business days of receiving proper documentation and a consumers request. Despite these requirements, there is substantial evidence suggesting that XXXX, Experian, and XXXX routinely fail to comply with these obligations, leaving consumers vulnerable to further harm. 

As a federal agency tasked with protecting consumers from abusive financial practices, it is the CFPBs responsibility to ensure that credit reporting agencies operate in compliance with federal laws, including the FCRA. The failure to enforce these provisions not only undermines the rights of consumers but also erodes public confidence in the CFPBs ability to fulfill its mission. 
Specifically, I would like the CFPB to address the following concerns : 1 ) Non-Compliance by Credit Reporting Agencies : XXXX, Experian, and XXXX often ignore or delay the mandated process for blocking fraudulent information, in direct violation of FCRA Subsection 605B.

2 ) Lack of Effective Oversight and Enforcement : The CFPB appears to have failed in holding these credit reporting agencies accountable for their non-compliance, despite the documented evidence and consumer complaints filed over the years.

3 ) Consumer Harm : The ongoing lack of enforcement has resulted in significant harm to consumers, including damaged credit scores, financial losses, and emotional distress.

I urge the CFPB to take immediate action to investigate these violations and to enforce the provisions of Subsection 605B of the FCRA against XXXX, Experian, and XXXX. Furthermore, I request that the CFPB provide transparency regarding the steps it has takenor plans to taketo ensure compliance with this crucial consumer protection law. 

Consumers rely on the CFPB to act as a watchdog against unfair and abusive practices in the financial industry. Your prompt attention to this matter is essential to restoring trust and ensuring that the rights of consumers are upheld. 

Thank you for your time and attention to this critical issue. I look forward to your response and any updates regarding this matter. 

Sincerely, Without prejudice. Without recourse /s/ by : XXXX XXXX XXXX XXXX
Product: Credit card

Best Buy Credit Card ( hereinafter referred to as " company '' ), offered through CitiGroup, assessed a non-disclosed " debt protection fee '' on credit card by a third party vendor. Requested documents pertaining to this service and refund for fees inappropriately assessed in XXXX XX/XX/XXXX and XX/XX/XXXX. Company stated that they were unable to cancel the service and that I would have to contact the third party myself. Informed the company of my intent to cancel the card. Company responded that they would cancel the debt protection service and proceeded to terminate the card. Company failed to provide copies of privacy notices and documents pertaining to the card per my initial request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, this account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I sent a letter requesting debt validation and verification. No response from debt collection agency. They continue to report to all 3 credit bureaus and the accounts being reported are inaccurate. The accounts are shown as open and they are continuously updated with dates to prolong derogatory presence on my credit reports.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX XXXX  : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX XXXX : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card

To Whom it may concern.. 

XXXX XXXX XXXX Account number XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you ( XXXX XXXX XXXX Account number XXXX ) authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX XXXX XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

15 U.S.C 1681s-2 ( A ) 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.

Show me written evidence that XXXX XXXX XXXX  complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Product: Mortgage

Dear Madam/Sir, Thank you! 

I have a mortgage in FIFTH THIRD BANK ( www.53.com ), the mortgage loan account is XXXX. 
I already paid the full mortgage on XX/XX/XXXX, but the FIFTH THIRD BANK don't report the title company. So I get a lien on my house title, I cant trade normally, its very urgent. 

On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, just ask for a paid in full letter mail and fax to me. The agent of the FIFTH THIRD BANK said they will mail and fax me two busniess days, but they did not.

After two busniess days, on XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website again, they also said they will mail and fax me two busniess days, but they still did not. 

On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, The agent of the FIFTH THIRD BANK said they will mail and fax me one busniess day, but they still did not.

How can I get my paid in full letter?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX 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. Account name:XXXXXXXX XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and there are several accounts on my report not belonging to me. I also have tried reaching out to the actual companies in regards to this matter.
Product: Credit reporting 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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.