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

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Concerns Regarding Potential Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several concerns regarding a list of financial institutions, regulatory agencies, and consumer protection resources that may be non-compliant with various consumer protection laws. The information I have encountered appears to violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act, the Truth in Lending Act ( TILA ), and possibly other regulations.

Specific Concerns : 1. Inaccurate or Outdated Information : The list includes institutions and agencies that may no longer be operational or that have outdated contact information.

This could mislead consumers seeking assistance and violate the FCRA, which requires accurate reporting of consumer information.

2. Lack of Clarity and Context : The structure of the information is confusing and lacks context. Consumers may struggle to navigate the list effectively, which could be seen as a failure to provide clear and understandable information as mandated by the Consumer Financial Protection Act.

3. Omission of Relevant Entities : Important financial institutions or regulatory bodies may be missing from the list, which could mislead consumers about their options for recourse or assistance.

4. Failure to Inform Consumers of Their Rights : The list does not appear to inform consumers of their rights under the FCRA and TILA, including the right to dispute inaccuracies in their credit reports. This omission could violate the requirements set forth in these laws.

Accessibility Issues : If the information is not available in accessible formats for individuals with disabilities, it may violate the Americans with Disabilities Act ( ADA ).

Privacy Violations : If any sensitive information about individuals or organizations is included without consent, this could violate privacy laws.

Relevant Laws Potentially Violated : Fair Credit Reporting Act ( FCRA ) : Mandates accuracy in credit reporting and the right of consumers to dispute inaccuracies.

Consumer Financial Protection Act : Requires clear communication of consumer rights and protections.

Truth in Lending Act ( TILA ) : Requires clear disclosure of credit terms and consumer rights.

Americans with Disabilities Act ( ADA ) : Ensures accessibility of information for individuals with disabilities.

Federal Trade Commission ( FTC ) Regulations : Protects against deceptive practices and mandates clear communication.
Product: Payday loan, title loan, or personal loan

I received an email from who I thought was Milestone Mastercard ( whom Ive had a card with before ) and it was for an offer of {$700.00} credit limit so I applied with personal info. After applying I realized the website was redirected to two other sketchy websites and after inspecting the original email closer, I realized the email was indeed fraudulent. So now I am worried about my social security number being used for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a 90-day delinquency XX/XX/2017 with all three credit bureaus. I have never missed a payment with ED Financial since my bill pay was set for auto payment. There was no communication sent to me, my account is current and in good standing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 1901 XXXX XXXX XXXX # XXXX XXXX, AZ XXXX Re : Dispute of Debt - XXXX Dear XXXX XXXX XXXX XXXX I am writing to dispute the debt listed on my account with the above-mentioned account number. I believe this debt is incorrect or has been paid in full. 

The XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all debts to you.I am revoking all rights of you communicating with me through email/text/and or phone. 

I am requesting debt validation, purchase agreement between you and the original creditor, and for you to furnish proof that you are licensed and bonded. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Carrington Mortgage overpaid our insurance company. So on XXXX XXXX, 2016, I submitted a payment for {$1400.00} plus the {$15.00} phone charge to assure the entire payment was applied to the escrow account. I was given a confirmation number and assured all the money would be applied to escrow. Today, XXXX XXXX, 2016, I received notice they applied part to my escrow and part to a mortgage payment, effectively screwing me out of {$200.00} and raising my monthly payments by {$55.00}. What a convenient way to get more interest from our loan. I have read so many complaints against them. It was not our choice to have them as a mortgage company. Principal mortgage sold our loan a little over a year ago and it has been nothing but a hassle ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX  XXXX bankruptcy : Bankruptcy XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX  Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX 2022
Product: Credit card

I purchased furniture in XXXX. They delayed a portion of my furniture which caused me to want to cancel my order. In order to keep my business, they discounted my purchase and I took the portion that was available with me. The portion that came with me did not fit so I returned it a day later and was refunded the amount. The discount never reflected on the credit card while the return did, so even when I finished paying my card off and closed it out, they still show a balance and I am getting late charges.
Product: Credit card or prepaid card

Bank of America closed my credit card without meeting me know and when I call they said will be sending a letter.
Product: Bank account or service

We had XXXX accounts at Wells Fargo during the time they opened XXXX fake accounts. 
I can only assume that that at some point that will impact our financial status. 
How de we search to find out if we were victimized with fake accounts using our personal information? 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that incorrect addresses be removed from my credit report because it has made my profile susceptible to identity theft and fraud, however, the reporting bureaus continue to refuse to remove addresses for which I have no access to that are not my current address. Due to the bureaus unlawful refusal to comply with the law, I am now having to pay legal fees to fight identity theft with persons who continue to acquire my personal information illegally through incorrect addresses that have been directed be removed from my credit file permanently. I am requesting that the CFPB mandate that the credit bureaus delete all addresses that are not current IAW 16 CFR Part 641 or else file suit based on violation of law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. American Express says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have twice now disputed an incorrect missed payment to Experian regarding a car I traded in in XX/XX/XXXX. My credit report states that I missed a payment in XX/XX/XXXX. I have provided them with proof of the trade in date and they are claiming my documents don't meet their standards. The document provided is the receipt of trade in/ purchase of a new car given to me by the XXXX XXXX with the visible date of XX/XX/XXXX. It is impossible for me to have missed a payment on XX/XX/XXXX. The car was XXXX 's and I was no longer responsible. I honestly don't know what else I could give to them to show them I did not miss a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Product: Student loan

I started XXXX in XXXX at XXXX XXXX in XXXX Maine - they have since dismantled as well as XXXX XXXX that I attended after. I finally received my degree from XXXX. Since taking out loans, the service providers have changed dozens of times with extra fees and and hard to keep up with. My degree has not helped me. At XXXX, I am working as a XXXX just as I was XXXX XXXX. I have been laid off XXXX times from corporate jobs, can not find one after XXXX of applications. My degree has not helped me like I was told. Keeping up with loans, deferments, the companies that own them has been a full time job. I have been taking advantage of, this financial burden has caused me so much stress I am loosing sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I began the process of communicating with XXXX, Equifax, and XXXX to address MAJOR inaccuracies on my credit report AND my credit file. Despite these repeated attempts, all 3 CRAs continue to disregard my letters and my dispute submissions via their respective online portals. As a result, I continue to be financially disadvantaged and harmed by all 3 CRAs for their repeated negligence and recklessness in regards to their poor maintenance of BOTH my credit report and credit file. It has also caused my FICO score to drop to the low 500s and caused me to be denied credit by several potential creditors. Specifically, XXXX, Equifax, and XXXX continue to violate 15 USC 1681 ( e ) which states in part, that the CRAs are required to " assure MAXIMUM POSSIBE ACCURACY ''. My credit report AND credit file are different and none of them are accurate across all 3 CRAs. Specifically, I have 1 address ONLY and have only lived in 1 state which is New York. Yet, all 3 CRAs list addresses in CA and PA none of which are mine. Despite numerous letters sent to all 3 CRAs other addresses continue to be misattributed to my credit report and credit file. I have also sent a notarized police report AND notarized FTC identity theft report as evidence that my identity was stolen yet all 3 CRAs have ignored these legalized documents and violated my federal rights.

Additionally, all 3 CRAs continue to report inaccurate transaction history in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which is under " Exclusions '' to the consumer report and states in part that information pertaining to the " transactions or experiences between the consumer and the person making the report ''... Thus all 3 CRAs are in violation of this code by continuing to include the financial transactions and financial history of the credit accounts on my report. Additionally, all 3 CRAs further violate both of these codes by reporting inaccurate balances because they never include the cents amount ALONG with the dollar amount of those alleged balances and transaction histories. For example, I attempted to dispute this with XXXX however I was prevented from doing so on their website ( see attachment ) and it prevented me from doing so. XXXX and Equifax have locked my account, respectively, on their websites so I am unable to continue disputing these inaccuracies online.
Product: Credit reporting or other personal consumer reports

I appreciate XXXX 's efforts in addressing some fraudulent items in my file resulting from alleged identity theft. However, there are remaining items that require removal. It has come to my attention that XXXX and Equifax are not removing items despite being provided with an FTC fraud report # XXXX. According to Section 605b of the FCRA, you are legally obligated to remove items identified as opened due to identity theft. The disputed items do not belong to me. I have attached the new FTC Report XXXX and identity verification documents. The following items still need removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX
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 https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item 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 Balance {$7900.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXInquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired onXXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, 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: Debt collection

Never have I done business or ever given my written consent to a XXXX  XXXX  nor a XXXX XXXX, I've asked several times as my rights and laws to verify this to me but gets no help or results come back generated thru the system as updated and yet the company XXXX XXXX  hasn't sent my written request XXXX  certified mail and receipt back yet at all it's goin ignored once again and this been happening for two years now
Product: Debt collection

I have reached out multiple times to try to verify my debt. The lines are always too busy or all of my emails go completely ignored. It showed up on my credit report and I disputed because it was paid. I even sent my payment confirmation to them and they will not respond.