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

To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX Properties to Be Removed from My Records : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage. 
If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin. 

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.
Product: Debt collection

Receive around 14 calls a day from them. Spoke with a gentleman named XXXX at extension XXXX he advised they had already sent out statements and proof of debt what more did I want. Just pay the debt. I have not received one thing from this collection agency, not even a letter showing they have a right to collect. XXXX was very rude and abusive towards me. I spoke with my son and advised him this debt did not belong to me. He helped me fill an identity theft report and I sent a letter to this collection agency today along with my FTC identity theft report.
Product: Checking or savings account

I got a ATM withdrawal of {$510.00} pluse the ATM out of network fee but I didn't withdrawal that much money I don't thank any atms near me will even let me droll that off the most I've been able to droll off is normally like XXXX but chime keeps telling me no error was made even though I didn't droll that much off
Product: Checking or savings account

Chase Bank has frozen two of our business accounts ( for 2 separate businesses ) with no explanation. They froze the first about 2 weeks ago. We logged in to the account to pay bills and found our account negative {$280000.00}. We spent hours on the phone with about 8 departments, no one could figure out what happened. They finally transferred him to the " executive department ". They didn't know what happened but said they'd look into it. We called them day, they kept saying they didn't have any information. Then, this past Friday  XX/XX/XXXX, they did the exact same thing to our other business account. Again the exec department said they didn't have any information. Our attorney called them and was told that Chase is within their rights to do an investigation and we would just have to wait. These are business accounts. We can't pay our employees. We have operating costs we can't pay. They've put us out of business! We are
going to have to file for bankruptcy because of yhe position they've put us in.

This has all happened with no notice. We have no idea what's going on. Shouldn't a bank have to give you some sort of notification that your funds are being held? And for what period of time? And if there's an " investigation '', why haven't they asked us for documentation that could resolve the issue? They've just left us hanging with no end in sight.

( I have no documents to upload because they haven't sent us anthing )
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. 

LVNV Funding LLC Account Number : 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 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My name is XXXX I have a Relia card I cant get any money off my card at all its not right XXXX thats my balance
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Debt collection

On XX/XX/XXXX a message was left on my phone by a XXXX XXXX stating that I was being sued and to contact XXXX with account number XXXX. I contacted this number on XX/XX/XXXX and spoked to XXXX XXXX from XXXX XXXX XXXX and was told that I was being sued {$1400.00} for a credit card owed to Fred Meyers store and she was looking at my chapter XXXX bankruptcy that I had filed in XXXX and this debt was not listed on my bankruptcy. I told her yes it was and that I had a copy of Chapter XXXX bankruptcy from XXXX XXXX XXXX case no. XXXX. I faxed a copy to her at XXXX. I then called her and confirmed that she received the fax. This is the second time I have been contacted by debt collectors in regards to this debt that was discharged by the bankruptcy courts 22 years ago. The last last debt collector was XXXX XXXX XXXX who contacted me by mail on XXXX to try to collect this same debt. I sent them a copy of my bankruptcy papers by certified mail. I feel that this discharged debt is being illegally sold to debt collectors in an effort to harass me and collect on a debt I no longer owe.
Product: Credit reporting or other personal consumer reports

For the credit report XXXX XXXX XXXX  XXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/year>, I asked for certification of this account belonging to me from the XXXX credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my Transunion and XXXX accounts for this violation.
Product: Credit reporting or other personal consumer reports

Hello, I have tried to log into XXXX but continue to get an error message. However, I am able to pull up my free credit report from Equifax. After making a payment of {$10000.00} to my loan servicer ( formerly XXXX ) in XXXX, I monitored my credit for changes. I didn't see any changes that concerned me. After a refund was requested on the {$10000.00} payment to XXXX ( formerly XXXX ), my loan servicer, in XX/XX/XXXX XXXX my once Excellent credit score dropped about XXXX points ( formerly XXXX but it used to be higher however the credit health function on the XXXX XXXX website does not let me view beyond 1 year ). While XXXX XXXX had a note that this was due to a balance increase, I was never provided documentation from either XXXX or Equifax detailing why it dropped so much upon request. From my understanding, the payment history has the highest impact and I have never missed a payment according to my credit report ( see attachment ). I reviewed my financial history and credit report and I have reason to believe that my loan servicer did not provide accurate information to Equifax or XXXX which resulted in a drastic decrease to my XXXX score. As of XXXX of XXXX, my loans have been paid in full and this is still not reflected in my recent credit report and my credit score has never returned to what it was before. I would like to request an investigation or a detailed explanation as to why, without a history of missed payments, my credit score has decreased drastically. I understand the balance increase after the refund was requested, but from my understanding, a balance increase only temporarily decreases your XXXX score and is not considered as high impact as missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My closed good- paid in full account with XXXX XXXX XXXX XXXX XXXX   was never reported to all credit report agencies ever. 
Apparently, XXXX XXXX is handling my account and not reporting it to all credit bureaus. 
I called their phone # XXXX and got a recording. 
I want a letter stating my good paid in full account with all information..and reported to all credit bureaus. It has been 5 years and non-compliance.
Product: Payday loan, title loan, or personal loan

When I called a representative kindly agreed to have this late payment removed from my account now that. It has been paid in full and I have since been on time with all recent payments.
Product: Payday loan, title loan, or personal loan

I didnt sign the loan when I noticed they are charging 688 % interest rate. You read that right, 688 %. They want consumers to pay more than {$6000.00} on a {$1000.00} loan in interest. How is this legal? Exploiting people who are having hard time especially during Covid? Im furious and dumbfounded that this can go on. Please stop this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX and XXXX in XXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX  the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX XXXX was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency one being XXXX. I pulled my credit report from XXXX   and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - 6 Credit Utilization - 3  % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from XXXX and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a senior citizen? A female? Or are the employees just plain XXXX  at XXXX  and dont know how to read a credit report? 

Then I went to Transunion to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

XXXX  referenced XXXX is owned by XXXX so to drum up more business XXXX XXXX borrowers into paying for XXXX XXXX. Sage claims total account balances ( I have 1 ), limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only 2 ), length of residence too short ( I have owned this home for 10 years ). I believe XXXX is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, my name is XXXX XXXX. 

I am a victim of Identity Theft and did not give this debt collector any agreement ( written or verbal ) to collect this debt. I am not in any contract with this debt collector and need them to seize all communications and collection reporting to my credit report as it is negatively affecting me and my chances to buy a house. 

Please have them respond as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting to XXXX when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to XXXX  showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and XXXX  to small claims for damages!
Product: Credit reporting or other personal consumer reports

XXXX continues to report inaccurate information on my credit report after I request verification. Under the FDCPA, you can not reports inaccurate information without proper validation which includes documentation to support your claim. This is causing me daily stress and frustration. It is also not allowing me to get approved for any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am trying to close my checking account with U.S. Bank due to charges coming through that were not mine and they refuse to close it due to it being in the negatives from these charges. I have tried to resolve it with there fraud department and they have claimed that they do not know how to fix the problem and continue to charge me fees putting it farther in the negatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$6400.00} ; XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported on my credit that i missed a payment, my loan has been paid off and i pay every month, i did not miss a payment in XXXX as stated by this company. I called but they were unwilling to help. They can check there records.
Product: Debt collection

I got a letter from some company saying I owe them {$650.00}, not only is this fraud and I dont owe this but the letter in the mail i got from the collector he acknowledges that the time period has expired to legally come after me tor the money but that hes going to anyway and also hurt My credit. Ill attach picture so you can read what i received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Citibank loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!
Product: Credit reporting or other personal consumer reports

I trust this letter reaches you promptly. I am writing to reiterate my deep concern and frustration regarding the delayed opening of my accounts. Despite my initial complaint the issue remains unresolved, causing significant inconvenience and distress. 

I understand that unforeseen circumstances can lead to delays in processing, but the prolonged nature of this situation is impacting my financial plans and causing undue stress. 

I am making a second attempt to request the following actions be taken urgently : Expedite the process of opening my accounts and ensure their activation at the earliest convenience. 

Improve communication regarding the status of the account opening. I request real-time updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I emphasize the urgency of resolving this matter promptly. Your institution 's commitment to customer satisfaction is crucial in maintaining a positive customer-business relationship. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Collection Entry on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection entry on my credit report that contains significant errors in both payment history and the outstanding amount. I believe that these inaccuracies not only violate the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 804, but also the Fair Credit Reporting Act ( FCRA ), as outlined in Section 1681.

I would like to bring to your attention the following details regarding this issue : Description of the Error : Upon reviewing my credit report from Equifax Credit Agency, I discovered an entry for a collection account under the name of ABSOLUTE RESOLUTIONS. However, I have serious concerns about the accuracy of this entry. It reports that I made late payments in XX/XX/2019, and the outstanding balance is listed as XXXX. I maintain that these reported late payments and the indicated balance are not accurate. 


Communication with the Collection Agency : I have made numerous attempts to contact Equifax Credit Agency to rectify this issue and provide them with the necessary evidence to correct the inaccuracies on my credit report. Despite my efforts, they have not responded or taken any action to resolve this matter.

Impact on My Creditworthiness : The inaccuracies in this collection entry have had a severe negative impact on my credit score. This has made it exceedingly difficult for me to obtain credit, and secure reasonable interest rates, and has even hindered my ability to pursue housing and employment opportunities.

Violation of FDCPA and FCRA : I believe that the inaccuracies in this collection entry are in violation of FDCPA Section 804, which mandates fair and accurate debt collection practices, and FCRA Section 1681, which requires accurate reporting of consumer debts. Both laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I am well aware that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) mandate accurate and fair reporting of consumer debts. These laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I kindly request that the CFPB conduct a thorough investigation into this matter and take appropriate action to rectify the errors on my credit report. Additionally, I request that the corrected credit report be provided to me and to any relevant credit reporting agencies to ensure an accurate reflection of my financial history.