23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XX/XX/year> Consumer Adjustment Co XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Subject : Final Request for Removal of Inaccurate Collection Account Account # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. There is no verification that I owe the debt. I would like for you guys to provide a verification of my wet signature to be sure I owe that debt. 
I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. 
Since the collection agency failed to provide validation and my previous requests for verification have been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. 
Please remove this collection account from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX Capital one Bank USA account is closed due to the COVID 19 pandemic flu virus i was not able to pay my bills
Product: Credit card or prepaid card

We had disputed a charge on our Best Buy account in the amount of {$1600.00} for a stove that we purchased on XX/XX/XXXX. They resolved the dispute, but later reversed it and charged back to our account. This is a summary of the transactions/phone calls that took place and still not resolved. 
The stove purchased on XX/XX/XXXXXXXX  was not working properly. I made an even exchange for the exact same stove however, I was not happy with the it and decided to purchase a different model stove, for less money. That delivery, installation and XXXX XXXX ( XXXX Unit-Stove that was exchanged ) was scheduled for XX/XX/XXXXXXXX  and was completed. The {$1600.00} ( cost of first stove ) was not credited and the charge for the new stove, {$990.00} was now on our bill as well. As of XX/XX/XXXX, they closed the dispute, and it was NOT in our favor. They are stating that we still have that stove, so it was never returned by their driver when removed from my home. I've spent hours on the phone trying to resolve this, and every person I speak to, tells me it will be resolved, and I will have a confirmation email within XXXX hours, another person stated XXXX hours and the most recent call ( XX/XX/XXXXXXXX  ) said I will definitely have confirmation email by XX/XX/XXXX. ( tomorrow ). If that driver did not return the stove, then I should file a police report as he removed it from my home and never returned it as Best Buy policy requires. I have documented all my communications with Best Buy Credit Services and also their sales Department. I am extremely frustrated as I can not continue to spend endless hours on the phone and not getting any resolutions. I don't know what else I can do. Please let me know what else you need from me to escalate this matter. Thank you.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX & XXXX : XXXX, XXXX XXXX XXXX : 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 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 card or prepaid card

On XX/XX/XXXX, I APPLIED FOR A STORE CREDIT CARD WITH XXXX WITH A BALANCE OF {$1800.00} FOR A PROMOTIONAL PERIOD OF 12 MONTHS @ O % INTEREST. UPON LOGGING INTO MY ACCOUNT TODAY ON XX/XX/XXXX MY BALANCE REFLECTED AN INCREASE IN XXXX IN FINANCE CHARGES AND INTEREST FOR A NEW BALANCE OF XXXX. I HAVE MADE MONTHLY PAYMENTS ON THIS ACCOUNT FOR 12 MONTHS NOW OF AT LEAST {$160.00} AND SHOULD HAVE A VERY SMALL IF ANY BALANCE LEFT. WHEN CALLING THE CARD ISSUER TODAY I WAS INFORMED THAT THE NEW BALANCE REFLECTED IS DUE TO FINANCES CHARGES AND INTEREST ACCRUED FROM THE BEGINNING OF THE PLAN START DATE. THIS IS MISLEADING INFORMATION THAT WAS PROVIDED TO ME UPON SIGNING UP FOR THIS OFFER AND HAD I KNOWN THIS PREVIOUSLY I WOULD HAVE MADE SURE THIS HAD A XXXX DOLLAR BALANCE ON XX/XX/XXXX. FURTHER MORE, I HAVE NOTED A ACCOUNT ASSURE CHARGE PLACED ON MY ACCOUNT THAT I HAVE NOT SIGNED UP FOR AND HAVE NO NEED FOR AS I HAVE BEEN GAINFULLY EMPLOYED WITH NO RISK OF UNEMPLOYMENT. I BELIEVE THIS WAS PLACED ON MY ACCOUNT FRAUDULENTLY AND AGAIN SHOULD BE INVESTIGATED FURTHER AS IT HAS PREVIOUSLY BEEN SETTLED IN A FEDERAL LAWSUIT.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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

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


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have encountered with TransUnion LLC, one of the major credit reporting agencies. As a consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute certain inquiries on my credit report. Unfortunately, TransUnion has failed to complete their investigation within the mandated 30-day period. 

Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I submitted a dispute letter to TransUnion requesting the removal of the aforementioned inquiries. 

According to the FCRA, TransUnion is obligated to investigate and respond within 30 days. However, this deadline has passed without resolution. 

Legal Basis : The FCRA grants consumers the right to access their credit reports and dispute any inaccurate or incomplete information.

Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes an item on their credit report.

Section 611 ( a ) ( 7 ) of the FCRA specifies that if the investigation is not completed within 30 days, the disputed information must be removed.

" 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' ( Source : 15 U.S.C. 1681i )
Product: Credit card

Over the past 12 months, I have submitted 2 separate disputes to charges on my credit card statement. In both instances, evidence explicitly shows the charges were not authorized. However, the credit card company Citibank denied both disputes. 1ST DISPUTE : In the later half of XXXX, I was charged twice for the same meal from XXXX XXXX XXXX. I was charged once by XXXX and then again by the merchant XXXX XXXX XXXX. This is shown explicitly on my credit card statement. When I filed this dispute with my credit card company Citibank, they automatically denied the claim. Although XXXX eventually reversed the charge, it took months of unnecessary phone calls. 2ND DISPUTE : Submitted on XX/XX/XXXX, evidence again clearly shows that a credit card charge was unauthorized. A credit card receipt explicitly states that cash was paid. Again, Citibank automatically dismissed my dispute request. CONCLUSION : I believe that Citibank 's dispute department does not reasonably investigate disputes and just automatically denies claims. If there is credible evidence that a charge is unauthorized, Citibank must reverse the charge by law. Instead, it's taking months of phone calls and letters to resolve simple billing errors. This

is a violation of the Fair Credit Billing Act. What's truly funny is that I submitted this same complaint with XXXX  2 weeks ag
o, and they too automatically closed mycomplaint when Citibank responded that " they need more time ''. I guess every corporation uses automated bots these days
Product: Mortgage

In XX/XX/2018 I made an additional payment of {$1100.00} to Chase in order to have the PMI removed from my account. I was told that the payments are made in the rears so I will still have to pay an extra {$81.00} in XX/XX/XXXX even though I am under the 78 % loan to value ratio. Then in XX/XX/XXXX they still took the {$81.00} out of my account but didn't label it - {$81.00} PMI. I called to find out why and was told it was a mistake and that they would refund my money, this was the beginning of XX/XX/XXXX. I waited about 10 days with no results so I called them back again. This time the guy said he would send it to the escalations department and It should be resolved in about a week. After another 10 days and nothing from the bank I called again and basically got the same runaround. Its now XX/XX/XXXX and I just called Chase and asked to speak to a manager about the problem. When the manager got on the phone and I explained the situation and asked why it was taking so long to give me back my money she told me " Its your fault, your the one that set up the payments ''. I told her I have a letter from chase telling me that XX/XX/XXXX would be the last month that I was charged {$830.00} and in XX/XX/XXXX my payment would be {$750.00}. Instead they charged me {$840.00}!!! I explained to this lady that with their auto pay feature, It withdraws the amount that they charge me. Not any number that I put in, so how is this my fault?? I told her I was going to report them and she snickered and said report us to who? Apparently Chase thinks they are above the law and can do whatever they want, whenever they want. I will NEVER open another loan or any other accounts with them. They have the worst customer service I have ever dealt with.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Debt collection

Company has no contractual agreement with me. I have not heard of company and do not consent to their interference and disruptive practices. Company refuses to provided proper validation pursuant to law. Was forced to make payment in order to stop harassment, while seeking litigation. Company still harassing despite payment and request for validation. When verification was repeatedly requested the company sent a statement of account with no verified information pursuant to [ Section 609 ]. ( see uploads )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

This account was initially reported in error. The outstanding balance was and has always been in dispute with creditor. I have attempted to reach out to TransUnion many times about this matter and I am never granted access to fully dispute this particular tradeline for XXXX XXXX XXXX XXXX XXXX. The dispute was finally settled with the creditor who agreed to remove this debt from all reporting credit agencies. XXXX updated their records but TransUnion has yet to correct this mess and remove this tradeline completely from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX 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. 

US Dep ED 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. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX a collection company is reporting a balance from XXXXXXXX XXXX for the amount of {$2800.00}. This debt isn't valid and is apart of my loan forgiveness. Please removed this information so my true credit history can be reflected. The company didn't reach out to me and validate th einormation prior to reporting the account I learned about this account ater see it reported on my credit. Please delete this information as it is invalid and outdated. This debt has been forgiven please see attachment.