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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

My account with XXXX & XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am filing a complaint against Truist Bank aka ( XXXX  ) for failure to comply with federal tax law under Internal Revenue Code 6050P and Treasury Regulation 1.6050P-1. My account was charged off or canceled, but I have not received a 1099-C as required by law. The debt in question exceeds {$600.00}, which mandates reporting to the IRS and providing me a copy. The creditors failure to furnish the 1099-C is causing confusion regarding the status of the debt and its tax implications. I request that the CFPB investigate this matter and require the creditor to comply with applicable laws.

The Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5481 et seq. - addresses the harm caused to consumers by unfair, deceptive, or abusive practices, particularly in credit reporting. The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to regulate these practices, known as UDAAPs ( Unfair, Deceptive, or Abusive Acts or Practices ), in consumer financial products. Truist Bank aka ( XXXX ) actions are s
ignificantly harming my credit score, which constitutes an unfair or deceptive act. Such practices undermine the integrity of the credit reporting system and negatively impact my ability to manage my financial well-being.
Product: Money transfer, virtual currency, or money service

i have concerns regarding zelle 's handling of disputes, with the recent lawsuit CFPB highlighting significant issues with this platform. despite using zelle multiple times and reporting discrepancies my financial institution and Zelle have failed to investigate my claims adequately. they informed me that returning lost funds was impossible and tracking these transactions was unfeasible. CFPB findings that Zelle has neglected to protect consumers and also ALLOWED repeat offenders to exploit the system, leaving use users vulnerable to scams etc. the lack of accountability and transparency is unacceptable and needs to be investigated
Product: Debt collection

FCO claims I owe a debt from an apartment community I had reached an agreement with to move with no charges. Without my knowledge the apartment company filed eviction after I had moved per our agreement. I received calls 3 years ago from a XXXX MD number but never a voice mail. I received no written correspondence either. In XX/XX/XXXX I was turned down for an apartment and learned about FCO on my credit report. I sent a certified return receipt letter on XX/XX/XXXX requesting they validate the debt and I was disputing the debt. From XX/XX/XXXX through XX/XX/XXXX I received twice daily phone calls from FCO. I was not able to answer and they did not leave a voicemail. After receiving no debt validation I sent a follow up letter in XX/XX/XXXX. Once again I began to receive phone calls from FCO immediately after they received my letter. I did not answer the phone as I had sent letters requesting debt validation. I received a word document with charges listed all in XX/XX/XXXX. I finally called them and when I questioned the validity they then sent me the same document but had illegally placed a company logo on the top. This is not the company I rented the apartment. I was told that XXXX the Compliance Officer did not speak to people on the phone also the one time I called. I was asked if I had an attorney and I should get one if I did n't. FCO continually refuses to verify this debt and responded only with this word document. I also forwarded via email to XXXX her communications with another person who she removed the account and cleared the credit report since she could not verify the debt. FCO has recently been sued by the XXXX for these exact illegal practices. XXXX has also been XXXX recently which goes to character. This company uses illegal practices including cutting and pasting a company logo ( the new owner of the apartment complex ) on a word document and mailing it to me. This is mail fraud!! Creating a document, presenting it as genuine?? I just recently sent yet another letter to FCO requesting again that they verify the debt. I do not owe this debt. Please help. I will agree to allow CFPB to publish this so that it may help others about dealings with FCO.
Product: Debt collection

I filed a complaint with the CFPB against Amsher Collection Agency about their attempts to collect a debt in the amount of {$430.00} and report information to XXXX that does not belong to me on XX/XX/XXXX. I immediately began receiving calls on the same day that I filed my complaint on XX/XX/XXXX from Amsher Collection posing as the TN Department of Health in their attempt to collect personal identifying information to collect on a debt that belongs to a XXXX XXXX. I am not XXXX XXXX. The name that came across my caller ID on XX/XX/XXXX to XX/XX/XXXX was the TN Department of Health and a XXXX XXXX XXXX left voicemails stating that he was with the TN Dept of Health asking me to verify my name, date of birth and that of my children due to a XXXX  health concern. Amsher Collection continued to pose as the TN Department of Health but specifically asked that a XXXX XXXX return their calls from XX/XX/XXXX to XX/XX/XXXX. I am not XXXX XXXX. I called the TN Department of Health and they said that the TN Department of Health is not associated with the telephone number XXXX or anyone named XXXX XXXX and that they would not ask me for that type of identifying information for XXXX. I called my childrens physician and their schools and asked whether the TN Department of Health had contacted them about my children and any XXXX related health concerns. My childrens physician and schools stated that they were not notified of any health issues or XXXX related concerns regarding my children. Once I verified that the calls from the TN Dept of Health were scam calls from Amsher Collection posing as the TN Dept of Health I then continued to be called by random numbers from different cities in the state of TN and then began receiving robo calls on a daily basis. 

The timing of my complaint with the CFPB and the receiving calls directly preceding my complaint on the XXXX are not a coincidence. Amsher and XXXX have the wrong person, name, and address and are calling my cell phone impersonating the TN Dept of Health in an attempt to connect me to billing and information that does not belong to me. This is not my debt. I have recordings of the voicemails and have filed a complaint with the FTC regarding the calls and impersonating the TN Dept of Health. Amsher Collection Agency and XXXX XXXX XXXX ( XXXX ) collection tactics of scaring me into believing that my childrens health is at issue to collect identifying information to pursue debt collection is beyond deceptive and abusive and a definite violation of the FDCPA and FTC.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax about a collection account on my credit report. I am unable to get in touch with the company managing this account because Equifax has not provided the necessary information for me to do so. I need to verify the debt and make it clear that this is not my debt, as it is adversely impacting my credit report without any evidence of its ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

i mailed on XX/XX/XXXX dispute letter. 

i did not have a reply until XX/XX/XXXX and they only asked for i.d or proof of identity, which i did send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX # XXXXXXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and DELETED for erroneous reporting in my file are listed on 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
Product: Credit reporting or other personal consumer reports

The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now
Product: Bank account or service

I opened a checking account at Bank of west XXXX XXXX XXXX XXXX ca. on XXXX XXXX. Reason I opened had offer of {$600.00} if balance above {$50000.00} to end of year. Offer said had to opened before XXXX XXXX. Person told me no problem on getting money. Had over {$50000.00} balance into this year. but they refuse to give me the {$600.00} bonus. Had contacted bank with no help so far.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We purchase a mattress on XXXX last year, we cancel the order and recived a confirmation of cancelation from the company, we asked to refund our credit card and the credit car it is refusing to gives our money back. We dont understand why we need to pay something that we do not have. It does not make senses. 
the credit card company is Synchrony
Product: Credit reporting or other personal consumer reports

Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). 

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : I Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provide all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. This is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts.

I request that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report.

Thank you for your assistance.

Additional Information : Debt Collector/Agency Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX XXXX account that is displayed on my XXXX Credit Report. 
Account XXXX : XXXX XXXX Upon reviewing my credit report, I identified multiple inaccuracies in how this account is being reported. This account is paid, current and NO balance is owed. It is incorrectly reporting as a Collections Account Paid in Full, The comments remarks reference ACCOUNT PAID IN FULL FOR LESS THAN FULL BALANCE ; PAID COLLECTION. 
Additionally the account status is being reported as derogatory, which is false and defamatory. This misrepresentation must be corrected immediately.
Product: Debt collection

Hi : Little bit long story but i try to keep it in short. So basically my case involves : XXXX XXXX, XXXX and a debt collection agency called the receivable management services corporation. XXXX began since around XX/XX/XXXX. I tried to book a flight schedule from XXXX XXXX to XXXX on XXXX. It cost {$1000.00}, I booked this flight around XXXX, but then i realized that i had a schedule conflicts so that i had to change a flight. I decided to cancel the flight, so I 'm sure i cancelled my flight around 3 hours later. According to XXXX policy, customer should get full refund if cancelled within 24 hours. I 've done same thing before so i thought i have nothing to worry. But this time was little bit strange, because couple weeks later, i believe it was in XX/XX/XXXX, when I checked my XXXX XXXX  account, ( I booked this flight my XXXX credit card ). I still see the record on my statement and it means i still have not receive my refund which is {$1000.00}. So i decided to call XXXX customer support and ask them what happen. After i have spoke to a rep, she told me she will help to me dispute my case but i need to provided some evidences. So i gave her my provement, after couple days, i received a phone call from XXXX, the rep told me that my case has been disputed, and then when i double checked my online bank account, i do see i have received the refund, at this point i thought this case is over. But until recently, I think it was around in XX/XX/XXXX. I have been bothered by a company called RMS ( the receivable management services Crop. ) they called me almost every single day and i also received a letter by them. They told me that i owned {$300.00} of debt. When i first noticed by them, i had no clue what this {$300.00} for, so i asked them, they told me it was because XXXX gave out my personal info to them and ask them to collect debt from me. After then i contacted XXXX by calling and sending email ask them about my case, all of the answer I received from XXXX were none of their customer rep could identify about this {$300.00}, and they told me they would never ever gave out personal info to any company, they also had no relation with RMS. So i was confused, I also went to XXXX XXXX, let the manager checked my bank account, the manager told me my account is clean and i do not own them anything. XXXX also do not corporate with RMS. So i believe it was a scam and i have no idea how to they have my personal info. Because they are kept calling me and ask me paying the debt over the phone, i felt i really bothered by them. Even today, i called XXXX, and ask them to check my credit report to see if theres anything related a company called RMS, the XXXX rep told me there 's nothing has related wi
th RMS on my account. Thanks for helping me, Best,
Product: Debt collection

A company called Portfolio Recovery has continued to harass about a debt from over twenty years ago. The debt is suppose to be from XXXX XXXX credit card from over 20 years ago. I went thru a debt consolidation company which I paid off. The credit card in question had a credit limit of {$300.00}. This company tells me that I owe {$3000.00} and that I can set up a payment plan. I have never acknowledged this company or debt but they continue with mailers and constant phone calls.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea how they got there. When I reviewed my credit report as I normally do, I was surprised to find unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Given this issue, I kindly request a thorough review of the documents Ive submitted so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, these accounts was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Product: Debt collection

This XXXX XXXX agency has said this dept is mine and it is not, they say they verify its mine and they have not. I have disputed this on my XXXX credit report and this collection agency said its mine so XXXX told me they have to say its accurate because this agency says it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/2018 US DEPT ED XXXX Balance : {$2300.00} Date Opened : XX/XX/2018