23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), a creditor or debt collector must cease communication with you under certain conditions. Specifically : 15 U.S.C. 1692c ( c ) ( FDCPA ) If you send a written request to a debt collector stating that you refuse to pay or that you want them to stop contacting you, they must stop all communication except to inform you of legal actions.

FCRA 15 U.S.C. 1681s-2 This section governs the responsibilities of furnishers ( creditors ) regarding reporting accurate information. While it doesnt explicitly prohibit direct communication, if an account is disputed as fraudulent ( such as in an identity theft case ), the creditor can not attempt to collect or report negative information once it is confirmed as fraudulent.

If you are dealing with identity theft, you can also invoke the FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block fraudulent accounts and prevent creditors from continuing collection efforts. 

Ive sent several cease and desist for this account that is also identity theft because of data breach and they are now sending me letter with fraudulent information that i have attached
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. I want these items immediately re-investigated. The inaccuracies are highly detrimental to my credit score XXXX XXXX  XXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX  Account Number # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I made an uninformed decision on XX/XX/2021 when I entered into this consumer credit transaction pursuant to 15 USC 1601 ( a ). I did not understand the agreement because it was not clear and conspicuous. The informed use of credit results from an awareness of the cost thereof by consumers, an awareness I do not have.

Pursuant to 15 USC 1601 ( g ) ( 2 ), The term creditor is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of evidence of indebtness or, if there is no such evidence of indebtness, by agreement. Due to the fact that the agreement is not clear and conspicuous, that makes it null and void. The only evidence of a debt was the agreement, but that agreement is null and void because I made an informed decision. I did not understand the agreement because it was not clear and conspicuous.

Pursuant to 15 USC 1601 ( k ) the consumer must receive adequate notice. Adequate notice means a printed notice to a cardholder which sets forth pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to notice it and understood it's meaning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, on XX/XX/XXXX, exposed my Personally Identifiable Information without my permission during a cyber attack. They did n't address the issue with any of their customers ( including me ), until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A credit card reporting on my account as late, and open from XXXX  XXXX account # XXXX, For TransUnion XXXX  and XXXX dates XX/XX/year> to XX/XX/year>. I dont have a XXXX  XXXX XXXX, this is fraudulent. I filed a complaint with the FTC three weeks ago on the XXXX XXXX. This has been a major hindrance on my life. As theyre in violation Per 15 USC , 1681, accuracy and fairness. ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reports. This violate 15 USC 1681S 2, 15 US code 1692E, 15 U.S. Code 1666b
Product: Vehicle loan or lease

At the end of lease, I contacted Chase ( XXXX XXXX XXXX ) and advised that I needed 4 extra days to return the car. I was told there is a grace period of 10 days ( the same thing I was told when I returned a previous vehicle to the same financier ). I returned the car 3 days later. Chase has reported a late payment for a full month to the credit bureaus and will not work with me on reducing the cost. They believe a full month payment is due even though I was told otherwise ( they claim to not be able to locate the call ) and only used the vehicle for 4 days.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened : XX/XX/2020 Amount : {$470.00} accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # 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
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft I believe someone has gotten my personal information and has been making numerous inquiries and opening Fraudulent accounts in my name. I recently checked my credit report and there are 15 erroneous accounts that I did not myself open nor give my permission to open such accounts. I will list the creditors name the account number the date the account was opened and the amount XXXX XXXX {$700.00} XXXX opened XXXX XXXX {$490.00} acct # XXXX opened XX/XX/XXXXXXXX XXXX XXXX {$1700.00} acct # XXXX opened XXXX XXXXXXXX XXXX  {$840.00} acct # XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1900.00} acct # XXXX opened XXXXXXXX XXXX XXXXXXXX {$880.00} acct XXXX XXXX opened XXXXXXXX XXXX {$9000.00} acct # XXXX - opened XX/XX/XXXX XXXX XXXXXXXX {$1100.00} acct # XXXX - opened XXXX XXXX $ XXXX # XXXX -opened XX/XX/XXXXXXXX XXXX XXXX {$860.00} acct # XXXX - opened XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} - acct # XXXX - opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX opened XXXXXXXX XXXX XXXX  {$21000.00} - opened XXXX XXXX XXXX XXXX {$35000.00} acct # XXXX XXXX XXXX XX/XX/XXXX Affirm {$310.00} acct # XXXX - opened XX/XX/XXXX XXXX XXXX XXXX {$740.00} acct # XXXX opened XX/XX/XXXX There are also 20 inquiries showing on my report. I will list the bank and date inquiries were made. XXXX XXXX XXXX XX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED THIS COMPLAINT BEFORE, AND RECENTLY. THIS ISSUE HAS NOT BEEN RESOLVED AND CONTINUES TO PERSIST. 

Experian Credit Bureau has deleted the entire payment history for the current and open Tradeline know as : XXXX XXXX. 

This is a positive and current reporting Tradeline. Experian has in the last 3 days or so, DELETED the entire history of the XXXX XXXX  account. 

On my Experian Credit Report, this Tradeline shows a partially DELETED ACCOUNT NUMBER, NO HIGH CREDIT, NO CREDIT LIMIT, and an UNKNOWN PAYMENT STATUS. There is also NO DATE OF LAST PAYMENT. 

XXXX XXXX is REPORTING THE INFORMATION CORRECTLY TO EXPERIAN. I believe that Experian is illegally and purposely deleting my XXXX XXXX  Credit Card information in an attempt to harass me and to purposely create hardship for me when I attempt to obtain credit, housing or employment.
Product: Checking or savings account

On or about XX/XX/XXXX I applied for 2 American Express business checking accounts which American Express opened 2 accounts listed as XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX American Express fraud department closed my accounts without notice and blocked me from online access. I did not receive any notice from American Express nor did they provide me a reason for the closing of my accounts. When I learned the accounts were closed I tried reaching out to American Express for 2 months to get my business banking records in order to do my taxes for my business and American Express has refused to provide me with the statement necessary to handle my business affairs. This is illegal as American Express is required under federal banking laws to maintain an accurate account of deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 2. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 3. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX  Account Number : XXXX 4. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX  Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX XXXX Account Number : XXXX 9. FDCPA section 807 Violation misleading false reporting Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been battling with Reprise Financial for the majority of this year ( XXXX  ), over a loan that was taken out under my name fraudulently on XX/XX/scrub> XXXX 
This is a loan for {$9400.00}. 
The current amount due is {$2500.00}. 
I do not have this money, nor have I ever heard of this company before. 
I have provided them with all the information requested of me, such as a copy of my social security number, my license, a full police report, and a notarized affidavit. 
Their customer advocacy is stating that the loan will remain as is, and the investigation closed. If I want to reopen the investigation, I would have to provide ANOTHER police report with a potential suspect, as they are claiming this is " Friendly Fraud '' a term I have never even heard of. 
I do not know of, nor do I have the resources to provide a potential suspect, because I do not give my personal information out. 
I know that personal information is easy to access and could have been gathered anywhere on the dark web. I do not know what to do/provide this company with in order to close and remove this loan from my name and they refuse to give me anymore information.
Product: Vehicle loan or lease

Initially my loan was with Santander Consumer USA. Beginning XX/XX/2019, my account was bought by XXXX XXXX XXXX XXXX. Issues misrepresenting my information : 1 ) Santander claims XXXX, XXXX, XXXX, and XXXX were late but these payments were made to XXXX XXXX XXXX XXXX. 
2 ) Prior my dispute, Santander claimed other months and after disputing with XXXX completely changed the months I was late for. It does not makes sense to have 2 months paid and 2 months not in between when I was paying XXXX XXXX XXXX XXXX. 
I would kindly as to advise on this matter. 
**Attached is a document sent from XXXX XXXX to bring clarification to this issue. 

Thanks in advance!
Product: Credit card or prepaid card

On XX/XX/2018, I discovered a steep and sudden increase in the interest rate on ly business account, from an already outrageous 14.99 % to 18.99 % in one month. I have been a customer with American Express since XXXX who has always paid on time. I spoke with several representatives who called themselves " supervisors, '' XXXX, XXXX and finally XXXX XXXX who claimed that I paid on time, that I did nothing wrong, but after " reevaluating '' my account, this spike in interest was fine. XXXX would not allow me to speak to anyone in a position above hers to resolve the matter.
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, Kia Finance received a check from my car dealership and cashed the check on XX/XX/XXXX. The payment was not properly applied to my account until XX/XX/XXXX. The dealership overpaid my loan by {$700.00}. I called Kia Finance to determine when they would send me the refund amount. They told me to give them up to 30 days. I called back numerous time before and after the 30 days from XX/XX/XXXX ( which I believed should have been from XX/XX/XXXX when they received and cashed payment ) and was told that the refund is still pending. They can not answer why but it is. I called today and was told that I need wait 90 days. Kia Fianance keep extending the timeframe without explanation and reasoning. I received a letter over a month ago advising that my account was paid off and I do not owe Kia Finance any additional funds. Why are they still holding my refund for no apparent reason.
Product: Checking or savings account

I opened a new savings account with Capital One Bank under their XXXX promotion and fulfilled all the terms to receive a {$1000.00} credit to my account. They have told me conflicting information between customer services departments and haven't been able to successfully resolve the issue and credit my account with the advertised {$1000.00}. 

Below are additional details : 1. XXXX - Account opened 2. XXXX - Account funded with new money of {$100000.00} ( within 15 days of opening the account ). 
3. Fund balance remained at {$100000.00} or more for the duration of the promotion criteria 4. XXXX - Account balance went below the {$100000.00} ( >90 days as required by the promotion ) 5. XXXX - Connected with customer support by phone to address not receiving {$1000.00} promotion. Case was escalated to a supervisor, who submitted an additional escalation to help address the issue as she wasn't able to credit my account without escalating to another team. I was promised issue would be resolved within 46-60 business days. 
6. XXXX - Received a response by email with a boilerplate message that funds couldn't be issues for the promotion. I replied same day informing them that there investigation wasn't accurate or complete and asked them to escalate to get this matter resolved. 
7. XXXX - I sent another reply to check in on the issue as they hadn't replied and indicated I would go to the CFPB if they didn't reply by Friday ( XX/XX/23 ). 
8. XXXX - They replied by email saying they would not honor the promotion and that I could send a physical letter to the XXXX XXXX XXXX XXXX in XXXX, VA if I wanted to escalate further.
Product: Credit reporting or other personal consumer reports

Name & Account Number XXXX - XXXX XXXX XXXX - XXXX Name Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX/XXXX/2015 I disputed XXXX XXXX XXXX XXXX on my Equifax credit report using the online dispute system. I received notice that that information was " Verified ''. On XXXX/XXXX/15 I sent Equifax a request for method of verification as authorized by FCRA 611 ( a ) ( 7 ). ( attached Doc # XXXX ) This request was delivered to Equifax on XXXX/XXXX/2015 ( Attached Doc. # XXXX ). The Fair Credit Reporting Act requires this method of verification be provided no later than XXXX days after receipt of the request. Equifax has failed to provide me with the requested method of verification and therefore is in violation of the FCRA and my rights therein.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against both transunion and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my Transunion credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by TransUnion : Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Improper credit classification : TransUnion has this listed as a line of credit on my credit report, I never received or initiated aline of credit from XXXX XXXX. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting XXXX XXXX LLCs webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves XXXX XXXX XXXX. Despite this, TransUnion continues to list XXXX XXXX as the creditor, rather than XXXX XXXX XXXX, which inaccurately reflects the true status of the account. XXXX XXXX : The balance shown on my credit report does not match the XXXX XXXX XXXX XXXX is attempting to collect, adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with TransUnion over the phone on XX/XX/year>. However, my dispute was closed just 4 days later with XXXX of those days being Saturday and Sunday with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. TransUnion failed to conduct a thorough investigation into my claims. Due to this lack of diligence from TransUnion and the violation of my rights as a consumer under the FCRA, I am requesting the following : XXXX deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both TransUnion and XXXX XXXX XXXX, TransUnion for not conducting a proper investigation and violating my rights and XXXX XXXX XXXX for the harm caused by their shear disregard for the law. Both agencies allowing this violation has caused me XXXX  and XXXX XXXX  with the failure to properly investigate this matter. If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.Sincerely,