23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I attempted to make a purchase at the XXXX XXXX in XXXX, SC XXXX, on XX/XX/2024. 

The purchase was for {$9.00}, the company Certegy Payment Solutions , LLC, XXXX XXXX XXXX, XXXX, FL. XXXX my XXXX, XXXX. 

I contacted them that day and I requested their response in writing, I received their response today, all it is general information, I contacted them today by phone and received the same general information from them. 
I need to know why a check for {$9.00} was declined and I was made to be humiliated publicly by this company.
Product: Credit reporting or other personal consumer reports

Bank of America placed a credit card account on my credit report and I have no knowledge of this credit. I requested a copy of my identification, and all documents and consents of proof for the credit, receipt I received it and the statements, notices sent to be of the debt. 

I have disputed the information for over several years and not one legal answer of the dispute or details of question for all records related to the information on my credit report.
Product: Credit card or prepaid card

Best Buy Citi Bank has decrease my credit card limit without an adverse notice. 

There are two main federal laws governing adverse actions in the world of credit : the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

To put it simply, the FCRA covers consumer transactions. It requires lenders to give you a notice if negative credit information was the basis of the adverse action. 

The ECOA covers both consumers and businesses. It requires lenders to describe the specific reasons why the adverse action was taken. 

Heres how it breaks down : The FCRA requires lenders to say that negative information was the cause of any adverse action. 

The ECOA requires lenders to provide specific reasons why adverse action was taken against you in that notice. 
The FCRA covers applications for credit, like credit cards, along with other types of applications like employment and government license. 

The ECOA covers applications for credit as well, along with requests for credit limit increases on existing accounts. If you want to dig into the details of these laws, you can read more at Consumer Compliance Outlook.
Product: Credit card or prepaid card

On XX/XX/19 I received a refund for a purchase. I had a positive balance on the card, in my favor. 

On XX/XX/19 I made a call, hoping to get the positive balance sent to me in check form. The gal I spoke with told me that they could to a direct transfer to the checking account linked to the credit card account. She said this would happen in 7 days. 

XX/XX/19 I made another call because the balance transfer to my checking account still had not happened. 
I was told it was pending, and it should be complete by XX/XX/19. 

I called again on XX/XX/19. This time, I was told it was in the process, but they could not give me a time by which this would happen. I had to simply wait, and they would contact me via e-mail or text when it had occurred. Basically saying, don't bother us about this anymore.
Product: Credit reporting or other personal consumer reports

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously, although each credit bureau has not been doing what I am requesting. These fraudulent accounts are NOT MINE!!!
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Under the GLB Act of 1999 nonpublic information such as late payments, charges off and debt shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802.
Product: Debt collection

COMPANY PROMISE TO REMOVE FROM CREDIT REPORT BUT COLLECTION IS NOW BACK ON CREDIT REPORT AFTER IS HAS ALREDY HAS BEEN REMOVE THAT ALONE IS VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX/XXXX   XXXX
Product: Debt collection

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX XXXX XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

In early XX/XX/XXXX I was desperate for money and had received calls from a Amplify funding As I already sold my home and was merely waiting to close the loan I asked to borrow XXXX $ I never was sent the loan documents but assumed how bad could it be, well 6 months after acquiring the loan I realized that they were taking XXXX $ out twice a month I decided to call and ask my balance .I was then informed that I still owed XXXX more payments of XXXX $ bi monthly. 
I then asked what could I go as to date I had already paid twice back what I borrowed I was then informed that if I refinanced the loan the payments I made would be eliminated and I would start off with the original XXXX $ I borrowed I asked how about the XXXX $ I already paid and the answer was silence. 
I know I borrowed the money but as I have already paid back double what I borrowed I believe I have paid enough It is gouging older people on limited incomes and I can not continue to have XXXX $ taken out my limited income every month I was stupid to not get this totally clear Your help would certainly be appreciated Thank You, XXXX XXXX Last four of SS is XXXX Date of Birth XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute the actions of [ FRANKLIN COLLECTION ACCOUNT NUMBER XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ FRANKLIN COLLECTION ACCOUNT NUMBER XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ FRANKLIN COLLECTION ACCOUNT NUMBER XXXX  ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit. 
2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F.

3. False and Misleading Practices ( 12 CFR 1006.34 ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ FRANKLIN COLLECTION ACCOUNT NUMBER XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection. 
4. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ XXXX XXXX ACCOUNT NUMBER XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ). 

These actions by [ FRANKLIN COLLECTION ACCOUNT NUMBER XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws. 

I also ask that you ensure [ FRANKLIN COLLECTION ACCOUNT NUMBER XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ FRANKLIN COLLECTION ACCOUNT NUMBER XXXX ] ( if applicable ). 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX. XXXX, XXXX ( creditor ). The creditor 's information is as follows : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : 1. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt.

2. Inaccurate information : The debt amount/account status is incorrect.

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : 1. Immediate cessation of collection activities.

2. Validation of the debt, including original contract/agreement.

3. Verification of account balance.

Please investigate this matter and ensure the creditor complies with federal regulations. 

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

Back in XXXX of XXXX, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past XXXX  months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial : I did paid off on credit card, Lease, and phone bills. It didnt repair on Transunion, XXXX, and XXXX.
Product: Mortgage

I got laid off in XX/XX/XXXX and one of the first things I did was contact Rocket Mortgage to put my loan in forbearance as everybody recommended. I was never told that the credit I have spent my life maintaing in peefect shape would forever be ruined. I keep an eye on my report weekly if not daily and as the months went by there were no impacts on my credit report. Then when I get a new job in XXXX and became financially stable I contacted Rocket Mortgage to begin payments. Instead of letting me begin payments they kept putting it off until finally in XX/XX/XXXX they set me up to begin making payments. Immediately afterwards my credit started showing me being extremely delinquent and irradicating 15 years of hard work. 

If I were either told my credit would be ruined or saw any impact to my credit, I would have either not gone into forbearance or ummediately cancelled it no matter what I would have had to do to make the payments happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an offer letter saying they would forgive my collection account of {$290.00} if I paid {$170.00} by XX/XX/2019. On XX/XX/2019, I paid such amount and I have proof of the offer letter and of the payment. On XX/XX/2019, I received a letter of the payment confirmation and now they were asking for the remaining balance which they offered to forgive in their previous letter. I have proof of my bank statement as well showing that I met the requirements of the deal that they offered me. This popped back on my credit report with all three credit buraus. I filed disputes with all three. XXXX  and XXXX seem to have removed such item from my credit reports. However, Transunion does not seem to agree with that. I was taken advantage by this collection agency and Transunion seems to be siding with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card

So I have a PayPal CC which is done through Syncrony. They have been telling me they CAN NOT access my account without verification so I told them to send me a code through the mail. I got code and lost my DAD during that time so Im just able to get with them today and now they are saying code is good but they still cant verify my account without my DL. This is absolutely ridiculous. I wanted them to apply my XXXX dollars to my bill and send me bill for the rest but they say they cant without my DL. I SHOULD NOT HAVE TO SEND THIS INFO. I tried to redeem money through the app but apparently my acct is locked down and they wont do it so if I close my acct they are telling me I forfeit my rewards which is unfair since I paid for items bought and earned that money. Please help me get this resolved. Also I shredded original card and only have new one they sent me a while back but because they locked my account down I cant do anything so the new number is XXXX and is the only one I have.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion or Update on Credit Report ACCOUNTING Dear I am writing to address an urgent matter concerning my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate and truthful. 
15 U.S. Code 1681e ( b ) : This section requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and completeness of the information in consumer reports. It stipulates that these agencies must have procedures in place to verify the accuracy of the information they report. 
Under the Fair Credit Reporting Act ( FCRA ), the requirement for accuracy and completeness in credit reporting is outlined primarily in 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' in the information they include in consumer reports. 

It has come to my attention that my account with XXXX XXXX, which has been sold to XXXX XXXX XXXX XXXX, is not accurately represented on my credit report. Specifically, the account should be updated to reflect that it was sold for less, paid for less, than the full amount owed. 

I kindly request that you take the necessary steps to either : Delete the account from my credit report, as it is no longer under XXXX XXXX XXXX  purview, or Update the account status to reflect that it was sold for less paid for less than the full amount, ensuring that all information reported is accurate. 
In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. 

A copy of this request for validation has been sent to the FTC CFPB AND XXXX national Credit Reporting Agencies to begin their 30-day ingestion. 
Please provide me with written confirmation once these changes have been made. If you need any additional information or documentation to process this request, do not hesitate to contact me at the phone number or email address provided above. 




Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am writing to file a complaint against Titanium Funds, also operating under the name XXXX XXXX XXXX, regarding their unauthorized attempt to charge my credit card {$400.00} on XX/XX/year> related to a previous loan they provided me. I was involved in an accident with the previous loan vehicle in XX/XX/year>. My insurance paid off part of the totaled vehicle loan and XXXX XXXX XXXX insisted that I obtain a new loan from them for a new vehicle and they will wipe out the old loan for the totaled vehicle. Titanium Funds in fact did wipe out the other loan. It showed up as PAID on there online payment system. 

Then, on XX/XX/year> they unexpectedly repossessed the replacement vehicle I had purchased, claiming the new loan had never been funded. 

Now, on XX/XX/year>, on the same day they repossessed the vehicle, I was alerted by my credit card company that Titanium Funds had attempted to charge my card {$400.00}. 

This is completely unacceptable. I have already suffered significant XXXX XXXX XXXX XXXX due to XXXX XXXX XXXX XXXX XXXX XXXX actions, and they have no right to continue charging me for a vehicle they do not possess. The accident-related loan has been resolved, and I should not be responsible for any further charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX I have submitted a complaint with theXX/XX/XXXX I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.