23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

in a letter received dated XXXX XXXX, there is information having ( XXXX being one of the parties name in letter ) that property located at XXXX XXXX XXXX XXXX XXXX, was sold at the Courthouse door of XXXX County , Georgia . during legal hours of sale.However, the Courthouse door of XXXX County Georgia was not lawfully designed as an alternative for sale and was not mentioned in the Notice of Sale XXXX XXXX was able to view in a letter dated XXXX XXXX, 2016 from XXXX XXXX XXXX ( McCalla Raymer Pierce , LLC. ) Also, The letter dated XXXX XXXX it stated XXXX was hereby notified that possession was demanded by XXXX who now owns the property.The letter also stated " If possession is not relinquished Immediately, dispossessing proceedings will be initiated to evict XXXX XXXX the other parties.XXXX also received a letter stating that the landlord has filed a lawsuit against XXXX XXXX and XXXX XXXX received another notice being a defendant and XXXX being Plaintiff ... .Another complaint XXXX XXXX has is if an eviction occurred and XXXX was landlord then all court records including property taxes, tenants and joint surviivorship ownership of property should show evidence that things where handled properly and legally by these companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is committing fraud by now re-aging my account. Proof is attached of their fraudulent activities. I demand this account to be removed as it violates my federally protected rights
Product: Debt collection

I received a copy of a written garnishment notice from my old an employer from which I no longer work. The debt is from XX/XX/year>. The debt is XXXX XXXX XXXX. The company is Alliance One Receivables Management in XXXX XXXX XXXX. the phone number is XXXX. I am not understanding that a debt XXXX XXXX XXXX could still be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a student loan taken out in my name. I've already sent in a few FTC Identity Theft claims as well as police reports, yet the student loans continue reporting on my credit report. My understanding is that the furnisher or CRA has 15 days to make a decision on my identity theft report, yet, it's been years and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my privacy rights as a consumer. 

I have a right to privacy 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
DEPTEDXXXX XXXXXXXX DPEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX
Product: Checking or savings account

Citibank originally approved my identity theft claim for a fraudulent checking account that was previously opened in my name. A representative from Citibank informed me that I could open a checking account with Citibank and I recently opened a checking account and Citibank closed the checking account due to the previous fraudulent account that Citibank didnt hold me liable for and approved my identity theft claim. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the collection/closee account listed on my credit report. I am not liable for this Debt of {$16000.00} it has been sent to collections although Navy FCU has charged off this debt it still is listed on my credit report Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : Navy FCU Date of entry : XX/XX/XXXX - XX/XX/XXXX Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. Navy FCU has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Navy FCU is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2021 OneMain opened a loan in my name with my partner and not myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired onXX/XX/XXXX 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 XXXX   Inquired 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  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an XXXX XXXX XXXX  and XXXX XXXX XXXX credit card which are through XXXX XXXX XXXX. 

This is a formal complaint against XXXX XXXX Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of 1974. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes. 

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that XXXX XXXX Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. XXXX XXXX Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute. 
Violation of 15 USC 1681 : Additionally, I believe that XXXX XXXX Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system. 

Violation of 12 CFR 1016.7 : XXXX XXXX Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. 
Violation of the Privacy Act of 1974 : The Privacy Act of 1974 mandates the protection of personal information held by federal agencies. While XXXX XXXX Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. 

Furthermore, I want to highlight that Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against XXXX XXXX XXXX. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$29000.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. It hasnt been 30 days from payment due to report late payment. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit card

I closed my account with Bank of America Master Card in the summer of 2015. 
However I just received a statement from BoA with a new charge to my account. 
I contacted BoA with a request to truly close my account and reject all charges coming into this account after it was closed -- - because I am not a BoA customer anymore, and BoA is not my service provider anymore. IN my view, BoA can not transact business on my behalf -- - because we have no commercial relationship anymore. 
However BoA representatives declined providing an assurance to me that they will indeed close my account to new charges. I am seeking CFPB 's help in having BoA truly closing my account.
Product: Debt collection

This is my second complaint Against midland with no resolution on account number XXXX. I have pulled my credit reports again due to another alert. Again the midland account has updated a collection as an open collection account on my credit report bringing it current. I 'm beginning to think Midland is now intentionally causing harm to my credit as it has changed numerous of times over the course of the last 8 months. I have disputed and disputed this only to comeback verified as reporting correctly when it 's not reporting correctly. Its showing a payment history up until XX/XX/2016, Showing an updated date of XXXX/XXXX/2016, the account shows open, when in fact it 's not an open collection account.. I am requesting a formal verification of accuracy or have the tradeline completely deleted from my CR. 
I believe this is in direct retaliation due to the disputes and the current XXXX Settlement Case No. XXXX XXXX. The FRCA has guidelines in place that if an account is reporting incorrectly that it must be corrected or deleted according to the metro XXXX CRA reporting guidelines. Midland is shifting the blame once again on the CRA 's and I have submitted proof after proof that it is reporting incorrectly and keeps reporting incorrectly. So either midland is intentionally reporting it, or the CRA is intentionally reporting it incorrectly. I am bringing it again to midlands attention and the FCRA that it is in fact reporting incorrectly. and it should be deleted. This screen shot is directly from the dispute page of XXXX. I 'm not disputing it again through XXXX. I need this taken care of ASAP please. I have talked with the CRA 's and they have told me the only way to have it corrected or deleted is by midland doing it. They can not change and or delete the account without the consent of midland. So I 'm bringing it to the CFPB to help with the issue
Product: Credit reporting or other personal consumer reports

I am a Service XXXX XXXX XXXX War Veteran and have been a loyal XXXX member since XXXX. I am filing a formal complaint against XXXX and LexisNexis Consumer Service Center for their improper handling of my auto insurance policy renewal, which I believe involves violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. My auto insurance policy ( Policy Number : XXXX XXXX XXXX ) is currently active, and I have been making monthly payments leading up to its expiration on XX/XX/XXXX. On XX/XX/XXXX, I received a notice indicating that my policy was renewing. However, on XX/XX/XXXX, I unexpectedly received a non-renewal notice dated XX/XX/XXXX, postmarked XX/XX/XXXX, citing O.C.G.A. 33-24-45 ( e ) ( 3 ) ( H ), 33-24-45 ( e ) ( 3 ) ( h ), and 33-24-45 ( e ) ( 3 ) ( I ) related to incidents from XXXX to XXXX. The notice stated that information from LexisNexis Consumer Service Center was used in making this decision. However, I had previously notified LexisNexis Consumer Service Center to cease and desist from reporting any information about me as a third-party. The use of this information by XXXX and the failure of LexisNexis to comply with my cease and desist request may constitute violations of the FCRA, specifically 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ), and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). My policy includes Accident Forgiveness, which was not considered in this decision, and I had no prior indication that my renewal was at risk. This sudden non-renewal has caused significant financial harm and emotional distress, as I have been left scrambling to secure new insurance under duress. The non-renewal notice did not meet Georgia 's 30-day notice requirement, as it could not have been delivered in time to meet the deadline before the policys expiration on XX/XX/XXXX. Additionally, I had requested XXXX to notify me online of any documents related to my policy, yet the non-renewal notice was not uploaded to the XXXX system as of XX/XX/XXXX, raising concerns about transparency and compliance with federal regulations regarding credit reporting and consumer rights. I am seeking a thorough investigation into whether XXXXXXXX XXXX decision was improperly influenced by information from LexisNexis and whether LexisNexis violated federal law by continuing to report information about me after I had issued a cease and desist request. I am also requesting substantial financial compensation from both XXXX and LexisNexis for the harm caused, including out-of-pocket expenses, emotional distress, and punitive damages. I request that the CFPB take immediate action to investigate these practices and ensure compliance with all relevant consumer protection laws.
Product: Vehicle loan or lease

Im behind two payments With Innovate Auto Loan, but got sent a bill for over {$3800.00}. My note is only {$630.00} plus a {$3.00} charge to pay online. I can not afford over {$3800.00} in unexplained fees. I understand Im behind by two payments, but Im going to pay it by next week. I just received a notice for repossession with a date that has passed demanding a high amount. This is ultimately XXXX fault for making this new deal because the other one fell through. First, the loan amount owed was higher than it should have been. That was just updated two weeks ago. Now, Im being hit with a repossession letter that was dated for last week and the amount is higher than what it should be. This year has started off terrible. I fought for my life battling XXXX.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account Number:XXXX  I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or do you need to remove these unverified late payment XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX XXXX - Account Number:XXXX  I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or do you need to remove these unverified late payment XXXX XXXX XXXX  XXXX Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting.
Product: Vehicle loan or lease

I was quoted a low interest rate when I purchased my vehicle only to find out my interest rate was super high once i signed the paper work. Now that I'm behind Capital One refuses to lower my interest rate by letting me refinance because existing customers are not allowed to refinance with them which makes no sense. I'd like to refinance and lower my car payment. Im upside down in my car and ive lost my job and need help!
Product: Credit card

I have consistently ensured that payments on this account are made on time, avoiding any overdue instances. I do not understand why there are reports of late payments on my accounts. According to 15 USC 1666b, billing errors need to be corrected.
Product: Money transfer, virtual currency, or money service

My account was compromised in XXXX of XXXX  and now I have XXXX me I owe a balance or XXXX or more and have yet to tell me how or why even after I made multiple attempts to contact and have my account checked on because I was receiving notifications that my account is being used and I had no way to login or even take my multiple debit and credit cards off of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX, XXXX C.F.R XXXX. See Also XXXX C.F.R XXXX XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- XXXX ACCOUNT XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.
Product: Credit card

I have always made sure that payments on this account are made on time, avoiding any overdue payments. I am not sure why there are reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Product: Checking or savings account

While banking with Wells Fargo I were being charge tremendous amount of late fees overdraft fees from my account XXXX of dollars every month my entire deposit check turns out less money once wells Fargo deduct from account I felt it was wrong of wells Fargo to take XXXX of dollars out of my account XXXX XXXX